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Steve’s Corner: Research Your Insurance Companies!
SUDOKU SOLUTION FROM PG. 3
NOT ALL INSURANCE COMPANIES HAVE HONEST INTENTIONS BE WARNED
If you’re involved in an auto accident and file a claim with your insurance company, you expect them to take care of it, right? After all, that’s what they’re paid for! Unfortunately, this doesn’t always happen. You’ve likely heard it before on the news — an insurance company acts in bad faith. But what exactly is bad faith? When insurance companies attempt to back out or renege on their promise and obligation to pay out to their clients, it’s bad faith. Insurance companies can do this in a few different ways. If your insurance company refuses to pay out on a legitimate and proven claim or fails to investigate and/or process a claim submitted by a policyholder in a reasonable amount of time, they are acting in bad faith. If they neglect to disclose certain policy exclusions or limitations to prospects before they purchase a policy or misrepresent the language within their contract to get out
of paying a claim, this is also considered bad faith. Making unreasonable demands of the policyholder can also fall within the bad faith category. When we sign up for insurance, we have a perceived sense of protection and loyalty — sometimes, we do business with these companies for 20 years or more before we ever need to process a claim, and everything can be great up until that very moment. It doesn’t always happen, but sometimes, when it comes time to submit a claim, insurance companies, despite great reviews and advertising, will show their true colors. It’s important to keep in mind that these companies are profit machines. Their job is to avoid paying out on your claims. So, before signing a contract or while already signed up with a certain insurance agency, do your research and find out how they pay out on their first-party claims! You’ll be glad you did!
STEVE’S CORNER Steve Lingenbrink is the founding partner of Polaris Injury Law, formerly Lingenbrink Law and Lingenbrink Cazares Injury Lawyers.
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