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When an insurance company gives you the runaround, you need an expert legal advocate on your side. The Lancaster, CA bad faith attorneys at PARRIS Law Firm will fight relentlessly for your recovery.
Policyholders pay premiums to protect against future accidents or incidents covered by their policies. When an accident or loss happens, insurance companies have a legal duty to uphold the terms of these policies and to pay valid claims.
However, it is in the insurance company’s best financial interests to limit the amount they pay out. And if an insurance company acts deceitfully to reduce the amount it compensates you for your claim, the company may be acting in bad faith.
Bad faith insurance tactics can be difficult to spot. However, a legal advocate who knows the ins and outs of the insurance industry can spot this deception and fight for the true value of your claim.
The bad faith insurance attorneys at PARRIS Law Firm have been battling insurance companies for nearly four decades, securing exceptional results for our clients. Explore your options with our bad faith insurance attorneys today.
Each policy sold by an insurance company is a contract. In exchange for the policyholder’s monthly or annual premiums, insurance companies agree to provide financial compensation in the event of certain covered incidents.
All types of insurance companies, including auto, health, and homeowner’s insurance, have a duty to act reasonably and responsibly when a policyholder or third party requests payment of a claim.
However, an insurance company is ultimately a business. In order to make a profit, insurance companies must collect as many premiums from policyholders as they can while paying out the fewest claims possible. The less money the company spends on compensating victims of accidents, the better the company’s profit statement looks at the end of the year.
Unfortunately, this system incentivizes insurance adjusters to avoid paying out claims whenever possible. Some insurance representatives have even been known to use deceptive tactics to avoid paying valid claims to policyholders or victims—an insurance practice known as bad faith.
There are generally two types of insurance claims, and thus two types of insurance bad faith. A bad faith insurance attorney can help you with both.
Where the insured asks the insurance company to pay for an injury to the insured’s own person or property, that is called a “first-party” claim. If an insurer acts unreasonably or deceitfully when their insured files a claim, the policyholder may have a first-party bad faith claim against their insurance company. The following are examples of situations where first-party bad faith claims may arise:
Where an insured injures someone else, and the insured asks the insurance company to pay for the injury to this other person, that is called a “third-party” claim. That is because the insurance benefits are being paid to the injured third party, not to the insured. When an insurance company acts unreasonably or deceitfully while handling a third-party claim, that is called third-party bad faith.
Here is one example of a third-party bad faith claim. Say you were seriously injured in a rear-end accident, and you bring a lawsuit against the at-fault driver for your medical bills and property damage. The at-fault driver’s insurance company refuses to settle your claim within the policy limits, and the case goes to trial. The resulting judgment in your favor far exceeds the at-fault driver’s liability policy limits, and the at-fault driver is now personally responsible for paying you the excess.
In this case, the at-fault driver (the insured) may have a bad faith claim against their insurer for failing to settle your claim within the policy limits. The insured can get help from a bad faith insurance attorney to compel the insurance company to pay your entire judgment, including the part that exceeds the policy limits.
Some of the most common bad faith insurance tactics we’ve seen insurance companies use include:
Developing a familiarity with these deceptive strategies can help you know when your insurance company may be acting in bad faith—and when you may need to call the PARRIS Law Firm.
An insurance company “lowballs” you when they attempt to settle your case by offering you far less money than what your case is worth.
At the core, this is a bargaining tactic, much like how used car dealers will lead with a deliberately low price while haggling with you over a vehicle.
But your rightful compensation after an accident isn’t a used car. Not all victims will recognize the lowball offer as a bargaining tactic. Some may assume they have no choice but to accept it. Plus, many accident victims are in dire financial straits and are willing to accept any offer—even a bad one—to pay off mounting medical bills and property damage costs.
The telltale signs that a settlement offer is too low include:
Lowball offers, however appealing they may seem at the time, may rob you of your rightful recovery following an accident. Unfortunately, these low offers from insurance companies may be accompanied by other bad faith insurance practices, such as poor communication, a refusal to be transparent about the settlement calculation, or threatening statements.
When an insurance company offers you a settlement you know won’t be enough to cover your damages after an accident, it’s time to speak with a bad faith insurance attorney.
After an accident, you deserve to have an advocate who—unlike the insurance company—will fight for your interests alone. Having a legal professional in your corner from the start may result in an easier process and a more substantial recovery for you and your family.
When it’s time to restore your life after an accident, don’t settle for an insurance offer without first consulting a legal expert. Before you sign a single insurance document or speak to a representative, contact the bad faith insurance attorneys at PARRIS Law Firm for a free case consultation.
Since we first opened our doors in 1985, thousands of clients have trusted PARRIS Law Firm to secure their victory against insurance companies. Here’s why.
When it comes to choosing an attorney to protect your rights, experience matters. At PARRIS, our bad faith insurance attorneys have spent nearly four decades fighting insurance companies and restoring the lives of car accident victims.
Since our founding, the PARRIS team has developed a 99% success rate and secured over $1.9 billion for our clients.
Bad faith insurance practices do not discourage our team from securing results for our clients.
Our insurance claim lawyers have the experience, expertise, and history of success needed to secure the victory you need after an accident.
Insurance policies are complex contracts, and PARRIS lawyers deal with them frequently. Not only will our team be able to tell you what is really covered under your policy, but we will be able to thoroughly investigate your accident and make sure that your coverage is applied correctly.
When you hire PARRIS, our firm will secure expert witnesses to examine the scene and photographs, gather evidence, and reconstruct the accident. Our investigation prevents insurance companies from misrepresenting your accident, injuries, or character to reduce your recovery amount.
Most importantly, we know how difficult the period after an accident can be. Our firm is committed to putting clients’ interests first—we inform you of your options, carefully prepare your case for trial, and keep you updated at every step of the process.
In addition, we don’t charge any up-front fees for our services. Our attorneys work on contingency, meaning that we only get paid if we recover the compensation you need. With PARRIS, you pay no fees until you win.
After your accident, don’t let insurance companies give you the runaround. Call our bad faith insurance attorneys in Lancaster, CA at PARRIS Law Firm and secure the representation you need to restore your life.
