Dealing with insurance companies can be a frustrating task. Many insurers are reluctant to pay injured parties’ claims, even when they are justified. When insurance companies wrongfully deny payment, they are considered to have acted in bad faith.
You can sue your insurance company for improperly denying your claim in Illinois. However, the process for filing such a case can be complex. Help from our experienced attorneys can be very valuable when seeking the financial compensation, you deserve.
If you wish to sue your insurance company for wrongfully denying your claim in Illinois, then you should call our team at the Rhatigan Law Offices as soon as possible. Our experienced Illinois personal injury lawyers can review your claim and explain the appropriate course of action. Our phone number is (312) 578-8502.
Suing Your Insurance Company for Denying Your Claim in Illinois
If your insurance claim was inappropriately denied in Illinois, then you can file a lawsuit seeking the compensation that is deserved. There are multiple ways that insurance companies can act in bad faith when denying claims. If you suspect that an insurer acted wrongfully, you should contact our Illinois personal injury lawyers for help investigating your claim. Our team can help determine if you have grounds to sue the insurance company at issue.
Why Do Insurance Companies Deny Claims in Illinois?
There are multiple reasons why your insurance claim may be denied in Illinois. The following are all potential reasons for a denial:
Policy Exclusions
Some insurance claims are denied because of policy exclusions that prevent certain accidents from being covered. Interpreting policy exclusions can be a complex task. If you are questioning whether your claim should have been denied because of a policy exclusion, you should call our lawyers for help investigating your claim.
Lapsed Policies
Furthermore, some insurance claims are denied because of lapsed policies. Insurance coverage can be terminated if claimants fail to pay their premiums on time. If the insurance policy at issue lapsed before your accident occurred, then you will encounter difficulty when filing your claim.
Failure to Properly Notify
Lastly, some insurance claims can be denied because policyholders do not notify their insurance companies of their accidents. Even if an accident is not your fault, you should inform your insurance company of the incident as soon as possible. Different insurers may employ varying deadlines for submitting these notifications.
Disputed Liability
Lastly, an insurance company may attempt to deny a claim by arguing that their policyholder did not cause your accident. Further, an insurer may state that the accident at issue is not the actual cause of your injuries. Our Rockford, IL personal injury lawyers can help determine if there is an issue of disputed liability in your case.
What is Bad Faith Insurance in Illinois?
There are many ways that insurance companies can act in bad faith. For example, the following are examples of ways that insurance companies can wrongfully deny claims in Illinois:
Delaying Payment
First, insurance companies can act in bad faith by wrongfully delaying payment of benefits. These companies may attempt to impose delays so to create frustration and entice lower settlements. If your insurance company has inappropriately delayed issuing the payment you deserve, then you should contact our attorneys immediately. Our Chicago personal injury lawyers can help file a lawsuit on your behalf.
Insufficient Communication
Insurance companies may act in bad faith by failing to sufficiently communicate with claimants. For example, an insurer may purposely ignore messages from those seeking compensation for their injuries. Our law firm can offer support to claimants who are struggling to effectively communicate with insures.
Improper Denials
Additionally, improper denials of claims will also be considered acts of bad faith. When denying your claim, the insurance company at issue should offer a detailed explanation of why your claim was unsuccessful. If your claim was denied without proper reasoning, then you may be able to sue the insurance company for the payment that is justified. Our Evanston, IL personal injury lawyers can help build your claim against an insurer for their improper denial of benefits.
Misconstruing Policy Language
Insurance companies can also act in bad faith by misconstruing policy language. The following are examples of ways that policy language can be misconstrued:
- Conveying the intent of policy language in a vague manner
- Using policy language in a way that was not intended when the policy was drafted
- Purposely misinterpreting aspects of a policy
- Pointing to policy language that is not relevant in your case
If you suspect that the insurance company in your case has misconstrued policy language, then you should contact our Lincoln Park personal injury lawyers for help weighing your options for pursuing compensation.
Low Settlement Offers
Bad faith insurance practices can also include the issuance of low settlement offers. Accordingly, you may be able to sue an insurance company for intentionally offering you less than your claim is worth. This tactic is sometimes employed by insurers who believe that they can convince injured parties to accept less than their claims are worth. Therefore, you should never agree to a settlement with an insurance company without first consulting with our experienced Naperville personal injury lawyers.
Inappropriate Requests for Documents
Lastly, insurance companies may act in bad faith by making inappropriate requests for documents. For example, an insurer may make an inappropriate request by asking a claimant to provide an unreasonable amount of documentation pertaining to their accident and injuries.
These types of requests can place undue burdens on victims. Our attorneys can help determine if a request for documents was unreasonable in your case. Accordingly, you will know if the insurance company at issue acted in bad faith.
If You Wish to File a Lawsuit Against Your Insurance Company in Illinois, You Should Contact Our Lawyers for Support
If you wish to sue your insurance company for wrongfully denying your claim, seek support from our attorneys at the Rhatigan Law Offices. Speak with our experienced Aurora personal injury lawyers by calling (312) 578-8502 today.