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blog Insurance/Bad Faith

Insurance/Bad Faith

Car Accidents…and Insurance Rates

By Car Accident Help on July 18, 2017

insurance-claim-formAccidents happen for many reasons. Some are due to the failure of a driver to follow the rules of the road (or the law itself), some are due to distractions within a vehicle, still others are due to poor judgment, and some are due to the unavoidable acts of others on the road.

Many people fear reporting accidents to their insurance companies because of concerns that their rates will drastically rise due to the accident. It depends on the circumstances of the case; so people shouldn’t automatically assume that. And isn’t the risk of an accident the very reason we have insurance in the first place?

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Posted in: Insurance/Bad Faith

Fighting Insurance Bad Faith Claims

By Car Accident Help on February 13, 2017

paybackInsurance. We all need to have it. We pay the insurance companies a premium to cover losses in the event that they happen. Moreover, those premiums are paid with the understanding and expectation that, if a loss is to happen, the insurance company will step up and pay for any losses that are supposed to have been covered.

What happens if there is a loss, and the insurance company doesn’t want to pay it? Your insurance company is under an obligation (contractual and otherwise) to act in good faith in resolving a dispute with you. This doesn’t mean they have to agree with you on every matter, but it does mean that they are expected and required to try to work with you within the confines of the policy they provided that you paid for.

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Posted in: Insurance/Bad Faith

Are You Being Cheated by your Insurance Company?

By Car Accident Help on March 27, 2012

If you have been offered a settlement from an insurance company, it may be in your best interest to have a lawyer review the offer before accepting it. It is common for insurance companies to cut corners by offering inadequate settlements or trying to reduce the value of your claim. When a claimant accepts a settlement, he or she will no longer be able to pursue compensation for their loss. Therefore, insurance companies hope that injured victims of Oklahoma car accidents will accept a lower settlement and allow them to close the case without paying out a significant amount. The practice of denying justified claims or offering an unfair settlement is known as “insurance bad faith.”

If you worry that your insurance company is cheating you, there is a good chance that your suspicions are justified. Never assume that your insurance company is being fair and remember that you do not have to accept their first offer. Instead, ask yourself a number of important questions. Read the rest »

Oklahoma Insurance Bad Faith Claims: What to Do if You’ve Got One

By Car Accident Help on November 16, 2010

People purchase insurance coverage in order to protect themselves in the event of an accident or situation that could yield costly medical bills, property damage expenses and other unforeseen monetary losses. Consumers expect that their claims will be handled fairly and that the expenses they incur in these types of situations will be covered by their insurance. However, sadly, this is not always the case.

Insurance companies are in the business of making money and may try to settle claims for less than the amount that is actually owed or covered in the insurance policy. This occurs frequently is cases of Oklahoma auto and truck accidents. Insurance adjusters are paid and promoted based on how little payout the company has to make, therefore, the insurance companies may try to low ball or deny claims altogether, citing fraudulent or false reasons for their decisions. When a policy holder’s trust is violated and they are not treated fairly by the insurance company, this is called “bad faith”. Read the rest »

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Attorney L. Ray Maples II wrote Don't Wreck Twice with the intent of offering guidance and information to vehicle wreck victims. The book provides answers to some of the most important and frequently asked questions following an Oklahoma vehicle collision, which will be an invaluable resource to those involved in auto accidents.