Cases will be handled by attorneys licensed in the local jurisdiction. Cases may be associated with, or referred to, other law firms as co-counsel or referral counsel. Results may vary depending on your particular facts and legal circumstances. The attorney featured above is licensed in Florida. For a full list of attorneys in your state please visit our attorney page.
Insurance Attorney in Charlotte
Insurers sometimes delay, underpay, or deny valid claims. We fight to get what you deserve.
Cases will be handled by attorneys licensed in the local jurisdiction. Cases may be associated with, or referred to, other law firms as co-counsel or referral counsel. Results may vary depending on your particular facts and legal circumstances. The attorney featured above is licensed in Florida. For a full list of attorneys in your state please visit our attorney page.
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The attorney featured above is licensed in Florida. For a full list of attorneys in your state please visit our attorney page.
Results may vary depending on your particular facts and legal circumstances.
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Injured and not sure what to do next? We'll guide you through everything you need to know.
Get answers to commonly asked questions about our legal services and learn how we may assist you with your case.
What does “bad faith” insurance mean?
“Bad faith” refers to the failure of an insurance company to fulfill its legal and contractual obligations to policyholders. This can take many forms, including:
- Unreasonable claim denials
- Delayed investigations or payments
- Failure to communicate with the insured
- Offering lowball settlements far below policy limits
- Denying claims without explanation
- Misrepresenting policy coverage
These tactics are more than just unfair; they can violate North Carolina’s laws designed to protect consumers from corporate abuse.
What are some red flags to watch out for?
If you're dealing with an insurance company in Charlotte and something feels off, trust your instincts. Common signs of bad faith include:
- Unexplained delays in payment or response
- Lack of investigation into your claim
- Sudden radio silence from your adjuster
- Threats or pressure to accept a low offer
- Denials without reason or documentation
Insurance companies are businesses, and they often protect their bottom line by avoiding payouts whenever possible. But when they break the rules, you may be entitled to more than just the value of your original claim.
Why are some insurance claims denied?
Not every denial is unlawful. Sometimes, insurers are within their rights to reject a claim. Common reasons for denial include:
- Fault disputes: Especially in North Carolina, where even 1% of fault on your part can bar recovery under the state’s pure contributory negligence rule.
- Failure to seek medical care: Waiting too long to see a doctor after an injury can hurt your claim.
- Coverage limits: If your losses exceed policy caps, the insurer may only pay up to the contracted amount.
- Policy exclusions: Certain events, such as intentional damage or perils not covered, may be excluded.
- Late filing or missing documentation: Deadlines matter in insurance, and missing one can result in a denial.
But even when there’s a reason behind a denial, that doesn’t mean it’s the right one. You deserve to know if the insurer acted fairly, or if they’re using loopholes and legal tactics to get out of paying.
What is the role of a Charlotte insurance attorney?
If your insurance company isn’t holding up its end of the bargain, you don’t have to fight it alone. An experienced insurance attorney can:
- Review your policy to interpret complex language and identify your rights.
- Investigate your denial and gather evidence to prove bad faith or breach of contract.
- Negotiate with the insurer to pursue full and fair compensation.
- File suit if the company refuses to honor the terms of your policy.
Legal support levels the playing field, especially against billion-dollar insurance companies that count on consumers giving up or settling for less.
What are my options if my insurance company refuses or delays payment?
Every day you wait is another day without the compensation you may desperately need. Whether it’s medical bills, home repairs, or lost wages, delayed payment can cause lasting damage to your finances and your peace of mind.
That’s why it’s important to take action as soon as something feels wrong. If you’ve received a denial letter, can’t get your adjuster on the phone, or just aren’t sure what to do next, it may be time to explore your legal options.
Why choose Morgan & Morgan in Charlotte?
Insurance companies make money by collecting premiums and minimizing payouts. That model leaves honest people at risk, especially when they’re vulnerable and in need of help.
At Morgan & Morgan, attorneys licensed to practice in Charlotte fight back against insurance companies that don’t play fair. If you suspect bad faith or have been wrongfully denied coverage, we’re here to help.
Contact us today for a free case evaluation. You pay nothing out of pocket, and we only get paid if we recover money on your behalf. Don’t settle for less than you deserve. Let’s fight for what’s right.