People purchase insurance policies so that when disaster strikes or a loss occurs, they can rely on the insurance company to compensate them for their loss. Often, however, this is not what actually happens. Insurance companies sometimes fail to live up to the terms of their policies, either by unreasonably denying valid claims, cancelling policies, failing to defend an insured, or delaying payment of claims. When a claim is wrongfully denied or an insured does not receive all that he or she is entitled to, the insured may have the right to seek compensation by filing a claim based on bad-faith insurance practices.
Whether based on a breach of contract or violation of state or federal law, insurance claims are often complex and time-consuming matters. If you believe that your insurance company has not kept to the terms of their policy, contact a civil litigation attorney today to learn more about your rights.