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Unfair Negotiating Tactics

How to handle unfiar tactics in insurance claims

Dealing with Unfair Negotiating Tactics in Your Bad Faith Insurance Claim

Knowing ahead of time the various tactics that can constitute bad faith will help to ensure that any negotiations with your insurance company are kept in line while also moving you towards a fair settlement. The insurance company may not always act appropriately in the management of your claim, but what you do have in your control is your ability to respond by consulting with a bad faith lawyer about your next steps.

Protect Yourself in a Bad Faith Hail Damage Claim

What is essential for you as a victim is to understand what constitutes bad faith and how to deal with it if you suspect that the insurance company is engaging in this practice. Claims adjustors may attempt to negotiate unfairly in order to reduce the settlement amount that is ultimately paid out to you or to deny your claim altogether. As a victim of hail damage, you may not realize the full extent of your rights as it is rare that you will suffer from hail damage on an ongoing basis. Claims adjustors are forbidden from:

  • Ignoring your telephone calls or letters
  • Denying your claim without conducting a full investigation of the facts
  • Making a settlement offer that is way too low for the facts of the case
  • Denying your claim initially at the beginning of negotiations
  • Using intimidating or rude tactics
  • Prolonging settlement negotiations unnecessarily
  • Refusing to give you further details about what the settlement offer is based on
  • Lying to you and saying that the statute of limitations has expired
  • Telling you that the claim has been lost and you need to initiate another one
  • Informing you that another adjustor has taken over your claim when this is not accurate

It can be extremely frustrating to go through the aggravation of hail damage only to discover that your insurance company is acting in bad faith when meeting at the negotiations table. No claimant should have to wait for months to get an answer on their claim, and likewise, if a settlement has been reached, the insurance company should not try to avoid you in order to delay your payment. Insurance companies are prohibited from acting like this and must instead act in good faith. When they make things unnecessarily difficult for the claim, that could form the basis of a claim for bad faith.

Consulting with an experienced attorney is strongly recommended as this may be the best way for you to identify how to respond to a bad faith insurance claim and to receive a settlement offer that is fair and in line with what you need. Do not hesitate to reach out to an experienced attorney who has knowledge of how bad faith insurance claims typically evolve so that you have someone talented and dedicated with you at the negotiations table. This alone can help to minimize the problems experienced by you and to increase the chances that you will walk away with a fair settlement.

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