Can I Sue My Insurance Company For A Mishandled Claim?

There are various types of insurance that people acquire in Missouri. This can include car insurance, which is required for all drivers, as well as health insurance, homeowner’s insurance, and more. People should be able to count on their insurance company paying out for claims covered under their policy. However, at Townsend Law LLC, our insurance bad faith attorneys in Kansas City are here to help if your insurance company refuses to pay for a legitimate claim.

Handling a bad faith insurance claim in Missouri

When you purchase an insurance policy, you are entering into an agreement with the insurance carrier to protect you if a claim arises that their policy covers. It is important for consumers to know that their insurance will be there for a covered event. If an insurer deliberately denies a claim for unjust reasons, does not properly investigate a case, or fails to defend you appropriately, you may be able to pursue a bad faith insurance lawsuit against the carrier.

The first step in determining whether or not you have a bad faith insurance claim is to secure an attorney. A Kansas City bad faith insurance attorney will be able to spot any deception or fraud on the part of your insurance carrier.

1. Review your insurance contract

Review your insurance policy because this is the contract between you and the insurer. Before a lawsuit can be filed, you need to know if there has been a violation of the contract. Get a full copy of your insurance policy to review and make sure it is dated before you filed your claim.

2. Keep logs on your claim

You need to keep all information regarding your insurance claim in order to ensure that it falls within the terms of your insurance policy. Gather all documents and evidence, including photo and video surveillance of the incident, accident reports, medical bills and receipts, correspondence with the insurance company, and any other relevant information related to your claim.

3. Document the denial of the claim

Keep copies of all documents related to the denial of your claim. If a denial is not reversed, you may have to appeal to your state’s insurance regulatory agency.

4. Make a final demand to the insurer

Before you file a lawsuit, you will need to show that you tried everything possible to settle your claim. Your attorney should send a final demand letter detailing your claim. Typically, the insurer will have 15 to 60 days from when the demand is made to pay the claim.

5. File a claim with the Missouri Department of Insurance

If a claim is still not paid, you may need to file a report with the Missouri Department of Insurance. This could result in your case being settled through mediation.

6. File a bad faith insurance lawsuit

If a claim is still not settled after making a complaint to the Missouri Department of Insurance, you may need to file a bad faith insurance lawsuit against your insurance carrier.

Let us work to secure the compensation you deserve

If you or a loved one have been injured but have been denied by the insurance carrier for a claim, you may need to seek legal assistance as soon as possible. At Townsend Law LLC, our team has a deep understanding of Missouri insurance laws, and we will bring our experience to your case in order to ensure you receive the compensation you are entitled to. This can include all rightful compensation you are due based on your insurance policy as well as punitive damages against the insurance carrier. When you need an insurance bad faith attorney in Kansas City, you can contact us for a free consultation by clicking here or calling us at 833-869-6529.