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Insurance Companies Don't Always Get The Last Word

No matter how often they reassure customers they are "in good hands" or claim to treat policyholders "like a good neighbor," insurance companies are in business to make a profit. If that sometimes comes at the expense of undervaluing or denying valid claims, then so be it.

But insurance companies are not guaranteed the last word when disputes occur. Attorney Robert V. Phillips of McGowan, Hood & Felder, LLC, advocates aggressively for clients throughout South Carolina in the full spectrum of insurance disputes.

What Is Bad Faith Insurance?

When an insurance company fails to fully compensate or cooperate in good faith with a policyholder on a legitimate insurance claim, it is said to be acting in bad faith. An insurance dispute may be with your own insurance company (first party) or with a third-party provider. There are several ways in which insurance providers can act in bad faith, including:

  • Denial of a valid claim
  • Partial payment of a claim
  • Delay in paying a valid claim
  • Improper claim investigation or refusal to investigate a claim
  • Knowingly misrepresenting pertinent facts or policy provisions

You Need An Experienced Attorney To Fight Bad Faith Practices

Insurance companies are routinely involved in disputes. They employ highly skilled lawyers who have developed strategies to help insurance providers use loopholes and legal maneuvers to minimize the amount they pay out in claims. It takes an experienced insurance dispute attorney to fight an experienced insurance dispute attorney.

We have recovered millions of dollars on behalf of our clients following incidents causing property loss or personal injury. A party who brings a bad faith claim against an insurer must be able to prove a contract exists and the insurer's refusal to pay benefits promised under the contract results in a breach of the contract's implied covenant of good faith and fair dealing between the insured and the insurance company.

What Can You Recover In A Bad Faith Claim?

The plaintiff in a bad faith insurance lawsuit (the insured) may seek the initial amount of the claim that was denied and any damages that the insurance company's actions caused the insured. If it can be shown the insurance company acted intentionally and with reckless disregard for the rights of the insured, the plaintiff may seek punitive damages as well.

We always strive to recover the full amount you are allowed under the law. Often, we resolve claims without the need to litigate, but our track record of going to court and prevailing is evidence that we are more than capable of developing and prosecuting cases in court.

We accept all bad faith insurance cases on a contingency fee basis. You will only pay an attorney fee if we recover a financial settlement or judgment for you. Call or use our online contact form to schedule a free consultation.