Locations: Pottstown, Collegeville, Allentown, Valley Forge

Insurance Bad Faith Lawyers in Montgomery County, PA

The majority of insurance claims are honored by the insurance companies. Though compensation may not come immediately, most insurers practice due diligence when evaluating claims and paying compensation. While insurers have a genuine and legitimate need to avoid wasteful spending, many insurers often do act in bad faith while attempting to save money on each and every claim.

  • Sometimes, insurers will deny meritorious claims in order to improve its bottom line.
  • Sometimes they will interpret policy language in a manner inconsistent with the interests of the insured, and the intent of the coverage purchased by the insured.
  • On occasion a carrier may use outright fraud to conceal and withhold rightful benefits that are due to the insured.

Laws have been established to protect policyholders and to force insurers to pay the benefits due. Courts will, when warranted, award the victims of insurance bad faith legal expenses and punitive damages.

If you think insurance benefits you've paid for are being unfairly withheld by your insurance company, please contact our lawyers for a free consultation. We have a special focus on helping consumers with insurance claim disputes and can help you get your claim paid, including all legal expenses and, perhaps, punitive damages.

How can I prove that my insurance company is acting in bad faith?

Bad faith is any frivolous or unfounded refusal to pay proceeds of a policy. It is not necessary that the refusal to pay be fraudulent. However, the conduct of the insurer must be shown to be more than mere negligence or bad judgment. Although sometimes difficult to define in every case, our Courts have approved the following summary of the law on insurer bad faith to be read to a jury, by the trial judge, as an instruction on the law of insurer bad faith:

Under the law, an insurance company must act with the utmost good faith and fair dealing toward its insured, and treat the interests of its insured at the same level that it treats its own interests. This heightened duty arises because of the special relationship between an insurer and its insured and the nature of the insurance contract.

An insurance company acts in bad faith if it:

  1. does not have a reasonable basis for what it does, and
  2. knows or recklessly disregards its lack of a reasonable basis.

Put another way, bad faith occurs if an insurer knowingly or recklessly acts without a reasonable basis in handling an insured’s claim.

In order to truly decide if an insurance company acted in bad faith toward you, take into account each action the company took, including any responses to communications from you (the insured); its investigation of your claim; and the way it handled negotiations for a settlement. If you find that the defendant knowingly or recklessly acted without a reasonable basis, your verdict must be for the plaintiff.

Contact Us for a Free Consultation!

Our insurance lawyers at Mayerson Injury Law, P.C. recognize that insurance companies can act in bad faith in numerous ways. In almost any claim, including:

  • medical bills,
  • car repair bills,
  • wage loss benefits,
  • car rental coverage,
  • or an injury claim,

the insurance company is attempting to pay as little as possible. For the insurer, it would be far better to pay too little, than too much. It is our job to make sure that doesn’t happen to you.

If you believe that you are a victim of an insurance company acting in bad faith, the insurance lawyers at Mayerson Injury Law, P.C. are ready to help. We have offices throughout the suburbs of Philadelphia, including Pottstown, Douglassville, Boyertown, Limerick, Royersford, Collegeville, Norristown, Valley Forge, West Chester, and Exton. You may contact Mayerson Injury Law, P.C. for a free consultation today.