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What To Do If Your Insurance Company Denied Your Claim?

Illegal Insurance Company Fees and Unauthorized Charges

  
If you have been affected by insurance bad faith, there are laws in place to protect you. A legal contract exists between a policyholder and an insurer, which legally obliges the carrier to provide benefits under the terms of the policy. An insurer is also required to act with good faith and fair dealings when evaluating claims.

When a breach of this duty occurs, the help of a qualified attorney can be the best way to protect your legal interests.
  

  
An insurance policy is a contract between you and your insurance company. Both you and the insurance company have obligations under the contract, whether it is a homeowner's policy, medical insurance, uninsured/ underinsured motorist insurance, or any other policy. In addition to what is written on the policy, the insurance company has a duty to treat you fairly


When a claim has been denied, the insurance company will argue that it was due to the claim falling outside of policy lines. Remember that insurance companies are businesses. They are concerned with paying out as little as possible to build their own wealth. While some denied claims are single instances of bad faith, many insurance companies have institutionalized it as standard practice.
  

Filing Lawsuit

Once the lawsuit is filed in Michigan, your insurance company will no longer speak with you until things are resolved. This may cause issues if you have multiple policies with the same insurance company because you will not be allowed to communicate with them about any other insurance-related matters.

A lawsuit is initiated by filing a Summons and Complaint with court. Then, the Defendant must be served by the Sheriff or process server for the notice of the lawsuit to be legal. The Complaint will outline the cause of actions and counts. The Defendant has 21-28 days from the date he is served to file an Answer with court, which will outline it defenses, if any, and respond to the allegations in the Complaint.
Advanta law will fight for you in your legal battle.We believe you deserve the finest representation and will guarantee satisfaction.
Caring, Compassionate Legal Help For 
Victims Of Bad Faith Insurance In Michigan
Wrongful Denial of Insurance Claims
When you purchase insurance policy and pay the premiums, you expect the
policy to cover any losses in the event of
an accident or other casualty. That’s the whole idea of insurance. However,
gatting an insurance company to pay the claim isn’t always easy. Insurance companies want to make profits, and they do that by
minimizing the amount of money they pay out in claims. Sometimes that means they’re aggressive in finding reasons to deny claims and sometimes the denials are wrongful.

However, merely because an insurer denies a claim or declines to pay an amount demanded by the claimant does not automatically result in a finding of bad faith.

A court will determine whether an insurer has acted in bad faith in handling claims under a totality of the circumstances standard.  As such, all of the circumstances involved in the denial of a claim should considered when determining whether bad faith exists.
We’re On Your Side

 Examples of “Bad Faith”  
  
·         Misrepresenting important facts or insurance policy provisions relating to coverage at issue.

·         Failing to acknowledge and act reasonably and in a timely manner concerning communications regarding claims under an insurance policy.

·         Refusing to pay claims without conducting a reasonable investigation given all the available information.

·         Not trying, in good faith, to come to fair, prompt, and equitable settlements in claims where liability is reasonably clear.

·         Failing to deny or affirm coverage of claims within a timely manner after the completion of proof of loss statements.

·         Failing to promptly give a reasonable explanation for the denial of a claim or offer of a compromise settlement.

·         Increasing your premiums for no reason, or because you were involved in a collision that was not your fault.

·         Cancelling your policy because you were involved in a collision that was not your fault.

·         Changing the terms of your policy without notifying you so that you no longer have the coverage you believe you have.
  

We help protect your rights during these complex cases. Our lawyers understand the process, and we are here to help you get your benefits when you need them most.

Insurance companies may act in bad faith by:

Failing to settle a claim in a reasonable amount of time

Failing to thoroughly investigate a claim


Failing to offer the full value of a claim


Failing to provide reasoning for denying a claim Recovering Damages


If you believe you have been wrongfully denied an insurance payment for a covered loss, you have a right to seek compensation for bad faith. That being said, the law imposes a statute of limitations, which varies from state to state, giving you a limited time in which to pursue your
claim. If you wish to review your options, talk to us . We are dedicated to aggressively defending your rights.  Call our law firm today at
(248) 281-6299.

Free Consultations for all insurance calims

At Advanta Law, we always offer a free consultations.  You may speak to a professional lawyer at any time and ask questions about your case so that you have a proper understanding of the issues facing you.