Dealing with an insurance claim in Oklahoma should be straightforward—you file your claim, provide the necessary documentation, and receive the benefits you’re entitled to. Unfortunately, that’s not always how it works. Insurance companies sometimes delay, undervalue, or outright deny legitimate claims.
If you suspect your insurer is acting in bad faith, consulting a bad faith insurance lawyer, such as the team at Red Dirt Legal, can help you understand your rights and take action.
Understanding Bad Faith Insurance Practices
Insurance companies have a legal duty to act in good faith when handling claims. That means reviewing your claim fairly, communicating honestly, and paying out valid claims in a timely manner. When they fail to uphold these responsibilities, it may constitute bad faith. Some common bad faith tactics include:
- Unreasonably delaying investigations or payments
- Denying a legitimate claim without a valid reason
- Misrepresenting policy terms or coverage
- Offering settlements that are far below what the claim is worth
- Ignoring or refusing to communicate with the policyholder
Repeated Delays Without Explanation
If your claim has been stuck in limbo for months with no reasonable explanation, this could be a sign of bad faith. Insurance companies may stall by requesting excessive documentation, constantly reassigning your claim to new adjusters, or failing to return calls and emails.
While some delays can be legitimate, an ongoing pattern of stalling tactics is a red flag. An experienced lawyer can step in and demand accountability.
Your Claim Was Denied Without Justification
Insurers must provide a clear, valid reason for denying a claim. If you receive a vague explanation, or worse, no explanation at all, it’s time to question their motives. Reviewing your policy and understanding your coverage is the first step, but if the denial seems unfair, a bad faith insurance attorney can analyze your case and push back against wrongful denials.
The Settlement Offer Is Unreasonably Low
Insurance companies often try to settle claims for the lowest possible amount, hoping claimants will accept without question. If the offer doesn’t cover your losses or seems disproportionately low, you may be dealing with bad faith tactics.
The Insurer Is Misrepresenting Policy Terms
Some insurers attempt to twist policy language or claim certain losses aren’t covered when, in reality, they are. If you suspect your insurer is misrepresenting your policy terms or misleading you about coverage, a lawyer can help clarify your rights and challenge deceptive practices.
You’re Being Pressured to Accept a Quick Settlement
Quick settlements might seem like a good deal, but they often come with strings attached. Insurers may pressure policyholders into accepting a low payout before they’ve had time to assess the full extent of their damages.
Your Insurer Is Acting in a Deceptive or Unethical Manner
If an insurance company is engaging in dishonest behavior such as falsifying reports, altering records, or unfairly blaming you for damages, it’s crucial to seek legal help immediately. A bad faith attorney can investigate the insurer’s actions and hold them accountable for unethical practices.
Contact Red Dirt Legal Today
A skilled attorney can help you fight back against bad faith tactics in several ways. They can review your policy, gather evidence, negotiate with the insurer, and, if necessary, take legal action. In many cases, simply having a lawyer involved can push the insurance company to handle your claim more fairly.
If your insurance company is refusing to pay a valid claim, delaying payment, or engaging in deceptive practices, you don’t have to accept it. Consulting a bad faith insurance lawyer can help you understand your rights and fight for the compensation you deserve. If you suspect you’re dealing with bad faith practices, don’t wait; contact us today!
