Spartanburg Insurance Bad Faith Attorney

If you have paid an insurance company for coverage, you should be able to rely on them to pay out on the policy when they are required to. Unfortunately, that is not always the case. Insurance companies are notorious for delaying claims, diminishing the value of claims, or denying claims altogether.

When your insurance company leaves you in the dark, you are not alone. At the Law Office of Tyler Rody, we help accident victims like you seek the full value of their claims. Contact us today to discuss your case. We offer free consultations, and you do not pay unless we win.

What Is Insurance Bad Faith?

If an insurance company does not hold up their end of the agreed-upon policy, you might have an insurance bad faith claim that warrants legal action. Insurance bad faith can take place in several different ways. Examples of insurance bad faith can include: 

• Denying you coverage 

• Lying about the coverage under your policy 

• Delaying a response about your claim 

• Denying your claim and not giving you a legitimate reason as to why

• Altering your policy without your consent 

• Canceling or rescinding a policy to avoid paying a claim

If you think your insurance company is trying to exploit your business with them by doing any of the above-mentioned, contact an experienced attorney like Tyler Rody. 

Insurance Companies Don’t Have Your Best Interest In Mind

After being involved in an accident, especially if you were the victim, the defendant’s insurance company will work hard to make sure that you don’t get properly compensated for their policyholder’s negligence. The at-fault party’s insurance company will try to undermine your claim, so it’s important that you know some of the things they might try to diminish your compensation: 

• The at-fault party’s insurance might call you asking for your side of the story. While they might seem caring on the phone, be wary and decline to make a recorded statement. The at-fault party’s insurance will try and use anything that you tell them against you as you file your claim.

• If the at-fault party’s insurance sends you any documents, do not sign them. Always have an experienced attorney look over documents before signing anything, especially when insurance claims are in question. Be especially careful not to sign any medical authorization forms. 

• Lastly, be wary of the at-fault party’s insurance company calling you. They might call you to lead you to believe that they are friendly and trustworthy. Do not conduct your own conversations with the defendant’s insurance company as they might use that “friendly” phone call against you later.  

If you are making a claim against your own insurance policy for uninsured or underinsured motorist policy, you should still be cautious to make any statements or sign any documents without attorney review. Even though you are filing a claim with your insurance company, representatives from the company will still try to limit the amount paid to you.

To avoid these issues, you should consider hiring a personal injury attorney from the outset of your case to ensure that you get the maximum value of your claim.

Why Claims Get Denied

Having a claim get denied can be an incredibly frustrating experience. Here are some reasons why your claim might have gotten denied: 

• Seeking treatment too late: If you’ve been involved in an accident seeking medical care immediately is extremely important. An insurance company might deny your claim if they believe that the time in which you sought proper medical treatment was well past the time of the alleged accident. ‍

• Pre-existing conditions: Your claim might be denied if you have signed paperwork, possibly unbeknownst to you, authorizing medical authorization. The insurance could find out about a pre-existing condition and might try and argue that your pre-existing condition is at fault and not your accident. Remember to never sign anything that gets sent to you by the defendant’s insurance company without the direction of an attorney.  ‍

• Lack of evidence: After being injured in an accident, hit by another driver, or woken up from surgery only to realize you’re worse off than when you went in for the procedure, you should document as much as possible. Photographic and video evidence can be a huge help in building a case to ensure maximum compensation.

How You Can Fight Back 

Knowing what to do in a situation where an insurance company isn’t upholding its end of the policy can be hard. When filing a claim, time is of the essence. If your insurance company appears to be giving you the run-around, it is time to hire an experienced attorney that can help. The Law Office of Tyler Rody is experienced and offers the experience that you need to make sure that your insurance company sees your claim through to the end.