Insurance helps to protect your property and your family in case an accident or unexpected event occurs. Unfortunately, many insured claimants find out that the insurance claim process is complex and sometimes unfair, despite how much money they have paid in premiums.
A Greenville insurance claims lawyer from George Sink, P.A. Injury Lawyers is here to help you with the claims process. We can help manage your claim while you focus on your recovery. Contact our team today for a free case review.
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Common Types of Insurance
There are many different types of insurance that you can purchase to protect your property and your interests, including:
- Homeowners/renters insurance: homeowners insurance insures the physical structure of your property in case of fire, storms, and other causes. It also insures your personal property from theft, loss, or damage. Renters insurance is available for people who do not own their homes but who want to protect the contents of their home. The Insurance Information Institute reports that South Carolina residents paid average premiums of $1,269 in homeowners or renters insurance premiums in 2017.
- Automobile insurance: automobile insurance includes liability coverage, which pays for damages other people may experience due to your negligence. It may also cover comprehensive and collision coverage that covers your damages even if you were responsible for an accident or in the event of fire, flood, or storm damage, or theft or vandalism.
- Health insurance: health insurance pays for your necessary medical treatment.
- Business insurance: there are various types of business insurance that someone can purchase to cover anything from physical damage to the structure of their business to personal injury damages if someone gets hurt on the property, insurance in case of data breaches, or errors and omissions insurance if the business or one of its employees makes a mistake that causes financial losses.
- Professional liability insurance: professional liability insurance covers the damages that result when a professional makes a mistake that costs a client money, such as a lawyer or accountant.
- Life insurance: life insurance pays death benefits to the named beneficiary when the subject of the policy dies.
When you file a claim against your own insurance policy, this is called a first-party insurance claim. For example, you may discover some jewelry missing after a house party and file a claim with your homeowners insurance. When you file a claim against another person’s insurance policy, such as if you were hurt by a negligent driver, this is called a third-party insurance claim.
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Common Insurance Disputes
Issues regarding insurance coverage may arise after a claim is filed. It is important to keep in mind that the insurance company is personally vested in minimizing the value of the claims it pays out. Its profit margin is determined by the difference between insurance premiums and the money it pays on claims.
Common insurance disputes regard a denial of coverage or the stated amount of coverage surrounding issues such as:
- Who is covered by the policy
- The scope of the insurance policy
- Whether the policy was in effect at the time of the loss
- Whether a coverage exclusion applied
- Policy limits
- Amount of deductible
- Whether uninsured or underinsured motorist coverage applies
- Whether the claimant mitigated expenses
- Whether the insured was at fault for the accident
- Whether the victim had a pre-existing injury that affects liability or damages
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Bad Faith Insurance Law in South Carolina
While the insurance company is expected to investigate claims and not simply approve every claim that comes its way, sometimes insurance companies may act in bad faith by denying, delaying, or undervaluing claims. South Carolina Code §38-59-20 prohibits certain practices by insurance companies that it considers bad faith, including:
- Knowingly misrepresenting insurance coverage or insurance provisions to favor the insurance company
- Failing to respond to claimants in a prompt manner
- Failing to adopt and implement reasonable standards to investigate claims
- Not resolving claims in a prompt and fair manner
- Intentionally offering low settlements to try to get claimants to accept them or be forced to hire an attorney to take legal action
- Threatening to raise policy defenses or rescind the insurance policy in bad faith
- Unreasonably delaying the payment of claims or not trying to fairly settle claims
Signs You May Be Dealing With Bad Faith Practices
Some signs that the insurance company or adjuster may be acting in bad faith include:
- Unreturned phone calls
- Unacknowledged communications
- Misrepresentations about your coverage
- Threats to clients
- Intentionally ignoring your requests for answers
- Unclear explanations regarding your policy limits or coverage
- Form letters of denial that cite no reason for the denial
- Form letters that provide broad and general reasons for denial with no mention of the specifics of our claim
- No investigation into your claim
- Repeated delays caused by an adjuster asking for the same or irrelevant information
- Recommendations not to hire a lawyer
- Delays that push the claim toward the end of the statute of limitations
- Lowball settlement offers
- Cherry-picked investigation information that benefits only the insurance company
If you have experienced these potential demonstrations of bad faith, a Greenville insurance claims lawyer may be able to help you with your claim. Call us today to start your free consultation with George Sink, P.A. Injury Lawyers.
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How a Greenville Insurance Claims Lawyer May Be Able To Help
Battling an insurance company can sometimes seem like an impossible feat. Afterall, they have their own adjusters, investigators, and lawyers looking after their own interests. This is why it may be important for you to retain your own lawyer who can carefully review every single aspect of your claim to ensure that you are treated fairly and adequately compensated.
Our personal injury team can review the information that you have already submitted to the insurance company and supplement these previous communications with additional information to clear up misunderstandings. We can also show the insurance company that you have a legal advocate on your side who is carefully watching over your interests.
Contact Us Today for Help With Your Claim
A Greenville insurance claims lawyer from George Sink, P.A. Injury Lawyers is here to assist you through every stage in your claim. We want you to be able to recover from your accident while we handle all aspects of your claim. Call us today to learn more about how we can help.
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