Your insurance policy is essentially a contract between you and your insurer. That contract requires that your insurance company will act in good faith of that contract, and give you what you are due if you file a claim. A 'bad faith' insurance claim is a law suit that alleges that an insurance company has unfairly denied coverage to their client. Insurance companies aren't allowed to try to find loopholes, or ways to get out of covering their clients, but many times they do. Below are examples of how insurance companies act in bad faith:

• Unjustifiable denial of coverage
• Failing to communicate important information to a claimant
• Failing to conduct a thorough and reasonable investigation of a claim
• Refusal to pay a claim without investigating whether the claimant is covered
• Failure to respond to a claim through denial or paying within a reasonable time period
• Failure to confirm or deny coverage of a claim within a reasonable time period
• Failure to attempt to come to a fair and reasonable settlement once the liability is clear
• Offering substantially less money to settle a claim than the true value of the claim
• Failure to offer a reasonable explanation as to why a claim was denied
• Failure to enter into negotiations to settle a claim
• Failure to response to a time-limit demand
• Failure to disclose any policy limits

Some of the biggest insurers in our country are notorious for the endless bad faith claims they have filed against them every year. Fighting against an insurance company is nearly impossible to do without an attorney. The A.W. Smith Law Firm, PC, has worked with bad faith insurance claims, and knows how to defend you from their attempts to dodge your claims. Insurance companies only want to deny you coverage that you deserve and make money off of your premiums. We can help you to recover your losses, even beyond your policy limits. You need a lawyer who will fight for you to get you what you deserve. For help fighting against your insurance company, please contact our offices for a free consultation of your potential case.