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Paducah Insurance Claims
For victims of injury or property damage, a protracted battle with a Paducah insurance company is an all-too-common occurrence. Some insurers even fight their own policyholders, ignoring years of faithful premiums to ensure momentary savings for their organization.
Many states, including Kentucky, have enacted special laws designed to curb this type of behavior. You need an insurance dispute attorney who understands the nature of insurance claims, and how best to fight against the companies that deny them.
At Morgan & Morgan, our Paducah office insurance dispute attorneys have significant experience helping clients recover benefits to which they were entitled.
If you believe that you are being treated unfairly by your insurance company, we may be able to help. To learn how our Paducah insurance claim attorneys may be able to help, please fill out our free case evaluation form today.
The Concept of Bad Faith
The key to pursuing any denied insurance claim is the concept of bad faith, which can manifest in a variety of ways, including:
- 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 valid reason.
Your Protections Provided by the State
Some insurance companies will do everything in their ability to deny you coverage, even for minor charges. After years of faithful payments, companies might reject the needs of their customers over something trivial, which can lead to a fight for compensation you may desperately need.
Fortunately, the state of Kentucky provides individuals with rights protecting them from these bad faith actions. The federal government also provides a series of protections against bad faith on the part of insurance companies.
Determining bad faith can be difficult. A knowledgeable attorney can help wade through and understand the rights provided by the state and federal government, while also maximizing your chance to get the compensation you need.
Morgan & Morgan is committed to helping our clients resolve insurance claims in a variety of practices, such as motor vehicle accidents, homeowner’s insurance, natural disasters and business property losses.
Hiring an Experienced Paducah Attorney
When it comes to insurance, Kentucky’s bad faith law can be a powerful tool in the quest to hold companies accountable for their adjustment practices, which often end unfairly for claimants. But the law is also very complex, making it difficult to follow judicial procedure when it comes to claiming and proving bad faith.
Our Paducah attorneys know the particulars of bad faith and have effectively proven it in court numerous times. Fill out our free case evaluation form today to learn how our insurance dispute attorneys may be able to help you.