Bad Faith Insurance Claims

Insurance companies are not on your side, despite what they claim. Unfortunately, many policyholders only realize this after they’ve been in a serious car accident. When you’re injured in a car crash, you believe that your insurance company or the “at fault” driver’s insurance companies will uphold their end of the agreement and compensate you for your losses. Right? Sadly, this isn’t always the case.

Insurance companies often use devious tricks and tactics to reduce their own payouts and liabilities. When these tactics cross the line, your insurance company could be found guilty of acting in bad faith. Even though this is against the law, insurance companies still routinely engage in this bad behavior.

If you are getting the runaround from an insurance company or your claim has been unfairly denied, you may have cause to file a bad faith insurance lawsuit against the insurance company. While not all claim denials or disputes are considered bad faith, many are. At the Law Offices of F. Craig Wilkerson, Jr., our attorneys have gone toe-to-toe with large insurance companies and won. We know how to fight claim denials and we believe in holding unethical insurance companies accountable for their actions.

Why Was My Claim Denied?

Not all claims are denied for legitimate reasons. In fact, many are not. After an accident, insurance adjusters will look for any loophole to deny your claim. They may deny valid claims based on technicalities or an error on the claim form. Other denials occur because the adjuster and insurance company take an overly restrictive interpretation of your policy terms. They do this because they know that injured accident victims often give up when their claim is denied. If you give up they win. It’s that simple. However, these devious tactics may be considered acts of bad faith.

Insurance companies engage in acts of bad faith in numerous ways, including, but not limited to:

  • Denying legitimate claims
  • Delaying payments
  • “Losing” paperwork
  • Refusing to return phone calls
  • Ignoring vital medical information
  • Requesting unnecessary medical tests or lab work
  • Offering low-ball settlements
  • Failing to defend against a third party claim
  • Refusing to conduct an investigation
  • Canceling a policy after a claim is made

Experience Matters When Handling Insurance Companies

For over 35 years, the attorneys at the Law Offices of F. Craig Wilkerson, Jr. have been representing injured accident victims in insurance disputes and bad faith insurance litigation. Wrongly denied or disputed claims include:

  • Life insurance
  • Funeral/burial insurance
  • Homeowners insurance
  • Health insurance
  • Car and motorcycle insurance
  • Private disability insurance
  • Flood, hurricane, or fire insurance
  • Uninsured motorist/underinsured motorist
  • Gap insurance on vehicle
  • Umbrella policies

South Carolina Code §38-59-20 protects consumers from insurance bad faith. Under South Carolina law, injured consumers can file a bad faith lawsuit against the insurance company to recover damages. By filing a bad insurance lawsuit against an insurance company, you are holding them accountable for their unfair consumer practices. If you win your case, the insurance company may have to pay damages in excess of insurance policy limits. Bad faith damages include consequential damages, attorney’s fees and punitive damages as well.

Contact Our South Carolina Bad Faith Insurance Lawyers Today

If you believe that your insurance claim was unfairly denied by your insurance company or if you’re simply getting the runaround, it is important to speak to one of our experienced South Carolina bad faith insurance attorneys today. Your insurance company may be in breach of contract and acting in bad faith.

At the Law Offices of F. Craig Wilkerson, we believe in holding unethical insurance companies accountable for unfairly denying accident claims.

Call the Law Offices of F. Craig Wilkerson, Jr. today at (803) 324-7200 (Rock Hill), (803) 289-7202 (Lancaster), (803) 396-5200 (Fort Mill), (864)466-5170 (Union) or fill out our confidential contact form. With offices conveniently located in Rock Hill, Fort Mill, Union and Lancaster, we are here when you need us. Call us today for a free case evaluation.