What is insurance bad faith?

It’s when an insurer of businesses, disabilities, homes, lives, or vehicles refuses to live up to what it promised to do for a person it insured. Just as you are obligated to pay premiums, insurers are obligated to live up to the terms of their policies. Our clients have experienced many of the tactics that insurers use to avoid dealing with clients in good faith:

• Offering an unreasonably low payment for an auto accident claim.
• Unfairly delaying investigation of a homeowner’s property-damage claim.
• Misinterpreting policy language to refuse to pay a business-loss claim.
• Denying payment of a death-benefit claim by retroactively canceling a policy.
• Unilaterally declaring that an injured or disabled worker is well enough to return to work.

If you have paid your premiums and feel an insurance company has treated you unfairly, please contact us today at (480) 833-8800 or attorney@sgplaw.com.

Who’s really at fault? While driver errors cause many vehicle accidents, other accidents occur because of factors outside any driver’s control. Drivers who believe they have been injured because of others’ carelessness or negligence should seek counsel from an experienced auto-accident attorney.

Here is a case in point. An 18-year old driver swerved to avoid a head-on collision with a truck that careened into his lane. He steered to the shoulder, which was six inches below the road. His car spun around and collided with a guardrail, which sliced through his car’s left side and nearly severed his left leg and arm, and fractured his right leg. He underwent 34 expensive surgeries an extensive rehabilitation. His accident attorney sued the county, alleging the road’s shoulder and guardrail were dangerous and failed to meet state highway standards. A jury recommended a multimillion-dollar award to cover past and future medical costs and pain and suffering.