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Marlton Bad Faith Insurance Attorneys

When you pay insurance premiums, you expect your insurer will pay out benefits to protect you from economic loss due to fires, accidents, illness, and natural disasters. Unfortunately, insurance carriers do not always make the right decisions. Some go so far as to act in bad faith, engaging in questionable or even illegal business practices.

Your insurance carrier is not required to approve your claim and might have a good reason for denying it. But insurance carriers are required to review your claim fairly and make decisions promptly.

If your insurance provider has denied your claim without a valid reason, processed your claim too slowly, defrauded you, or refuses to communicate with you, a Marlton bad faith insurance attorney can help you with your claim.

Contact Console & Associates, P.C. online or call us at (856) 778-5500 to discuss the details of your insurance claim and the best course of action for your specific situation.

Console & Associates, P.C. Knows How to Handle Insurance Companies

The skilled legal team at Console & Associates, P.C. has extensive experience representing clients in a wide range of personal injury cases, which means they deal with insurance companies all the time. The firm’s commitment to justice and advocacy has allowed them to recover more than $100 million in settlements and court-awarded damages for their clients.

The compassionate bad faith insurance attorneys at Console & Associates, P.C. can investigate the circumstances of your case and gather information to support your claim, giving you the best chances of recovering damages from the insurance company acting in bad faith. We want to help you hold insurance companies accountable for their bad faith actions.

Types of Bad Faith Insurance Claims in Marlton

Bad Faith Insurance Attorney MarltonInsurance companies are focused on their bottom line and often have little regard for their policyholders. Many people carry several forms of insurance coverage, including auto insurance, life insurance, property insurance, and disability insurance.

Insurers may:

  • Deny a claim without for dubious reasons or no reason at all;
  • Offer inadequate settlement amounts without any factual basis;
  • Purposely delay the claim investigation or conduct an improper investigation;
  • Delay settlement payments;
  • Ignore phone calls, emails, and other communications from policyholders;
  • Intimidate or threaten claimants or policyholders;
  • Make misleading statements to policyholders; and
  • Conceal evidence or make unreasonable demands for evidence of damages.

You Have Limited Time to Take Legal Action Against an Insurance Company

Although some personal injury attorneys handle bad faith insurance claims, these cases differ from most other personal injury cases. Contract law typically governs the amount of time you have to bring a bad faith lawsuit, referred to as a statute of limitations.

Under New Jersey law, most policyholders have six years from when the insurance carrier acted in bad faith to bring a lawsuit. However, your policy agreement might include different requirements that supersede the normal time limit. For example, your insurance provider might have included a clause about bad faith lawsuits that further limits the time you have to take legal action.

Ultimately, you need to contact a Marlton insurance bad faith attorney as soon as possible. Your personal injury lawyer will review the facts of your case and your policy to find the best way to hold the insurance company accountable for its actions and seek compensation for damages.

Take These Steps if Your Insurance Company Acts in Bad Faith

If you had to file a claim with an insurance carrier, you probably suffered some serious loss, which likely came with a substantial financial burden. If an insurance company has denied your claim or is not processing your claim the way it should, the added stress just compounds an already difficult situation.

If you think your insurance provider has acted in bad faith but aren’t sure where to begin, these steps can help:

Contact an Experienced Insurance Bad Faith Lawyer

Simply involving an attorney with your insurance claim is sometimes enough to get your carrier to process your claim quickly and take your situation more seriously. One of our skilled bad faith lawyers can review your case, inform you of your rights, and advise you on the best course of action for your circumstances.

Send an Email/Letter

Contact your insurance carrier with a professional and firm email or letter that describes the problems you are experiencing with your claim. Remind your provider of their legal duty to process your claim in a timely fashion. Make sure to keep a copy of all correspondence you have had with your provider for your records. You might need them to prove that the insurance company acted in bad faith.

Request a Decision Concerning Your Claim in Writing

Your insurance carrier must provide you with the reason for their decision regarding your claim. If your insurance provider denied your claim, request that they give you a written explanation of their decision. Not every denial is grounds for an insurance bad faith claim. However, if you need to bring a lawsuit, you need documentation. Also, New Jersey law requires that your provider honor your request for a written explanation of its denial.

File a Formal Complaint

Contact the New Jersey Department of Banking and Insurance to file a complaint against your insurance provider. This will initiate an investigation into your allegations. You can contact NJDOBI online to get the proper forms you need to file your complaint.

Reach out to Your Insurance Agent

Your insurance agent might not know about your problems with your insurance provider. If you contact the insurance agent who handles your policy to share your troubles, they may help sort out the issue. Sometimes you might learn of acceptable reasons for delays related to processing your claim or sending you your payment. Additionally, your agent may know key people at the company who can speed up your claim.

Seeking Compensation for Damages After Your Insurance Carrier Acts in Bad Faith

If you choose to bring a bad faith claim against an insurance carrier, you could receive compensation for the following damages in a settlement or as a jury verdict in your favor.

  • Claim amount. If you prevail in your claim, the insurance carrier may need to pay the initial claim amount to cover your losses from the event that led to filing a claim.
  • Economic loss. If you incurred an additional financial loss due to an insurance carrier’s bad faith actions, the carrier might also have to pay for this loss in a settlement or jury award.
  • Emotional distress. Insurance companies that act in bad faith cause additional stress to their policyholders, especially from an economic standpoint. If you experienced significant financial loss at the hands of an insurance carrier, they might also have to compensate you for the emotional distress you experienced.
  • Legal costs. If your insurance bad faith claim goes to trial and you prevail, the court may force the insurance carrier to pay your attorney’s fees, court costs, and any other expenses related to the lawsuit and litigation.
  • Punitive damages. If your insurance company defrauded you, you could receive punitive damages to punish your carrier and deter future bad business practices. However, New Jersey courts only award punitive damages in rare circumstances, so do not expect them. Your Marlton insurance bad faith lawyer can advise you whether your claim warrants a demand for punitive damages and provide examples of similar cases that give you a better understanding of the possible outcome of your claim.

Marlton Insurance Companies Aggressively Defend Bad Faith Claims

It’s no secret that insurance companies do not like to pay claims. This is especially true when a policyholder accuses them of bad faith actions. If you bring a bad faith lawsuit against an insurance carrier, you can expect their legal defense team to fight against you aggressively.

Insurance company defense legal teams employ a wide range of strategies to avoid being held liable for their bad faith actions. Examples include:

Expired Statute of Limitations

Fortunately, New Jersey has a comparatively long statute of limitations for bad faith claims, making it difficult for insurance carriers to argue the validity of a claim based on the fact that time has run out to take action. However, you must take legal action as soon as possible so the defense cannot use this argument against you.

Breach of Contract

The insurance company’s legal team might argue that you did not comply with the policy, putting you in breach of contract. The carrier could try to use this tactic to avoid liability.

No Coverage/Lapsed Coverage

This defense tactic usually comes into play when a third party tries to make an insurance claim but can also occur when a policyholder files a claim against their own insurer.

For example, say you were involved in a car accident in Marlton, and the other driver caused the accident. You exhausted your personal injury protection insurance and filed a claim against the at-fault driver’s bodily injury liability policy to cover your remaining accident-related costs.

The other driver’s insurance provider may attempt to deny your claim because their policyholder did not pay his premiums, and his coverage had lapsed. Here, you should seek out a bad faith insurance lawyer’s assistance.

Waiver of Release

In some bad faith insurance cases, the policyholder has signed a waiver of release that assigns the bad faith action to a third party. This commonly occurs when an insurance company denies a claim and their policyholder wants to protect their assets from seizure to satisfy a judgment. In this type of situation, the defense might argue the policyholder removed the cause of action against the carrier.

The above are only a few examples of tactics insurance carriers sometimes use to fight bad faith claims. You should seek the advice of an experienced insurance bad faith attorney who understands how the law applies to your particular case. Bad faith insurance attorneys have extensive knowledge of defense strategies and typically anticipate what the defense might try in a particular situation. It’s in your best interests to have legal counsel in your corner to make your voice heard.

Hire a Skilled Marlton Insurance Bad Faith Lawyer to Help With Your Claim

Richard P. Console Jr.

Marlton Bad Faith Insurance Attorney, Richard P. Console Jr.

Insurance policies are complex contracts with an abundance of fine print to provide loopholes for the benefit of the carrier. Additionally, large insurance providers have in-house legal counsel prepared to aggressively fight any bad faith claim that comes their way. Policyholders and third parties alike deserve fair and timely treatment when they file an insurance claim.

If an insurance company treats you unfairly and acts in bad faith, do not take them on alone. Instead, enlist the help of an experienced insurance bad faith lawyer who can aggressively negotiate a settlement for you or take your case to court when settlement negotiations fail.

The experienced legal team at Console & Associates, P.C. has dealt with hundreds of insurance companies, so they understand the questionable tactics and strategies some insurance carriers use to try to avoid liability. Contact us today online or call (856) 778-5500 for a free case evaluation. One of our team members can review your insurance policy and the insurance company’s actions. After that, we can determine the viability of your claim and advise you on the best course of action to recover losses related to the carrier’s bad faith actions.

If you have a viable claim and choose Console & Associates, P.C. to represent you in your insurance bad faith action, you do not have to pay an upfront retainer. We accept new clients on a contingent fee basis. Instead of paying for attorney’s fees and other costs of representation out-of-pocket, we deduct these expenses from any settlement or jury award we secure from the other party to compensate you for your bad faith claim.

Console and Associates, P.C.
1 Holtec Drive, #100
Marlton, NJ 08053

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