For victims of injury or property loss, a protracted battle with an Alabama insurance company is a frequent occurrence. Some insurers even fight their own policyholders. Years of faithful premiums are tossed aside to ensure momentary savings for their organization.
Many states, including Alabama, have enacted special laws designed to curb this type of behavior. You need an attorney who understands the nature of insurance claims, and how best to fight against the companies that deny them.
Mobile’s economy is based on its port, one of the largest in America. This role also makes it a wonderful base for tourism, and cruise ships have recently begun returning to the city. The city’s legacy as a place of excitement, like its Carnival celebrations and the fabled jubilee, make it a remarkable area. Many of these instances could play a role in requiring you to file an insurance claim, however.
At Morgan & Morgan, our insurance dispute attorneys have significant experience helping clients recover benefits to which they were entitled. Your insurance company may have immense resources that make it difficult to fight against their interests. But we do, too. Our Mobile team is ready to represent you against insurance companies, and strive to bring justice to you. Fill out our free case review form to learn more.
What Bad Faith Means
Bad faith is a claim made against an insurer for their behavior, which can involve any number of activities such as:
- Ignoring claims or other communications for policyholders;
- Denying claims without conducting an investigation;
- Misrepresenting the coverage the insured’s policy provides;
- Failing to provide a basis for claims denial;
- Failing to promptly inform the insured that additional information is needed to adjust a claim; and
- Denying a claim or failing to promptly adjust a claim without a reasonable basis.
Bad Faith in Alabama
Insurance companies in Alabama are assumed to operate on the principle of good faith, meaning they will deal with you fairly and honestly in response to a claim. Unfortunately, many Alabama insurance companies, and insurance companies in general, skirt this line, and have the resources to back up their denials.
To prove bad faith in Alabama, an insured individual’s attorney must prove that a denial was intentionally made. For Mobile, this might mean houses or boats that caught fire, medical treatments that went awry, or water damage to your car after a heavy rain.
Hire a Competent Mobile Insurance Claim Attorney
Alabama has complex laws regarding bad faith, making it difficult to follow for claimants. A strong attorney can help you use the powerful tool that is bad faith to hold your insurance company responsible for what they rightfully owe you.
Our Mobile attorneys know the ins and outs of bad faith and have effectively proven it in court numerous times, maximizing the compensation our clients receive. If you’re ready for justice, fill out our free, no-risk case evaluation form today.