We Do What We Say We'll Do
An insurance policy is a contract between the insurance company and the policyholder. The policyholder agrees to pay the appropriate premiums, and, in return, the insurance company agrees to pay for covered losses in a timely and proper manner. When insurance companies wrongfully delay or deny claims, they are said to be “acting in bad faith,” and policyholders have the right to take legal action.
Insurance bad faith refers to wrongful practices by insurance companies. Typically, these practices involve attempts to devalue or deny insurance claims. Examples of insurance bad faith include:
- Improper or lack of communication with claimants
- Failing to investigate a claim properly or promptly
- Denying a claim without providing a reason
- Unreasonably delaying the resolution of a claim
- Making unreasonable demands for documentation
- Offering significantly less than a claim is worth
- Making changes to a policy after a claim is filed
- Canceling or altering a policy after a claim is filed
- Failing to disclose information, including existing coverage
Essentially, if your insurance company has done anything that violates the terms of your policy or its responsibility to act in good faith, you may be the victim of insurance bad faith practices. If you believe your insurance company is acting in bad faith, it is important that you reach out to an experienced attorney who can provide personalized legal counsel based on the specific circumstances of your case. At Luxenberg Garbett Kelly & George, our New Castle insurance bad faith lawyers are ready to listen to your story and learn more about your situation. We are known for going up against major insurance providers, including national insurance companies, and winning the results our clients deserve. To date, we have secured hundreds of millions of dollars in compensation.
Can You Sue Your Insurance Company?
Under insurance bad faith laws, you are allowed to sue your insurance company if it has acted in bad faith. By filing a bad faith insurance lawsuit against an insurance provider, you can seek a fair financial recovery for damages you have sustained as a result of the insurance company’s wrongful practices, which may include financial losses related to the damages for which you initially filed a claim, as well as additional economic and non-economic losses.
Depending on the specifics of your case, you may be entitled to the following types of damages in your insurance bad faith case:
- Medical costs you had to pay out of pocket because your claim was delayed or denied
- Lost income/wages as a result of being unable to work due to your injuries or health condition
- Any out-of-pocket costs you paid for property damage repairs due to your claim being denied
- Attorney fees and various court costs related to your insurance bad faith lawsuit
- Emotional distress related to your injuries and/or health condition, as well as the delaying or denial of your insurance claim
- Physical and mental pain and suffering related to the denial of your medical treatment or injuries/a health condition that worsened unnecessarily
In some cases, it may also be possible to pursue punitive damages, which are intended to punish the defendant for acts of egregious negligence or willful/wanton misconduct. To recover punitive damages, you must be able to demonstrate that the insurance company breached its responsibility to you, the claimant, in an egregious, malicious, fraudulent, or wrongful manner.
At Luxenberg Garbett Kelly & George, we accept cases on a contingency fee basis, which means you do not pay any upfront attorney fees. Instead, we collect attorney fees as a percentage of your total recovery. In other words, if we do not recover a monetary award on your behalf, you are not responsible for attorney fees or costs associated with litigating your claim.
How Our Insurance Bad Faith Attorneys Can Help
You rely on your insurance company to uphold its end of the deal and provide timely, fair compensation for your covered losses. If your insurance company is acting in bad faith, we encourage you to reach out to our New Castle insurance bad faith lawyers right away. Our team can help hold your insurance company accountable and aggressively seek the maximum compensation you are owed.
Luxenberg Garbett Kelly & George has pursued insurance bad faith cases against all types of insurance providers, including but not limited to:
- Auto insurance providers
- Homeowners’ insurance companies
- Renters’ insurance policies
- Commercial property insurers
- Health insurance companies
- Long-term disability and care insurance providers
We have extensive experience working with insurance adjusters, and we know how to put together powerful cases based on concrete evidence and expert analysis. Insurance companies know that we will go to trial, if necessary, which often prompts them to offer our clients fair settlements rather than go to court. However, if the insurance company still refuses to play fair, our team is ready to aggressively represent you and your rights at trial.
When you choose Luxenberg Garbett Kelly & George, you get a team that truly cares about you and your future. We develop meaningful and genuine relationships with the people we serve and are proud to be a staple in the local community.
We've been designated Pennsylvania Super Lawyers for over 15 years, and we have Martindale-Hubbell’s highest rating for legal ability and ethics as determined by peers in the legal community.
We have been a staple in this community for over 80 years representing our friends and neighbors.
ResultsWe have recovered over $200 million in verdicts and settlements for our clients.
IntegrityAt LGKG, we do what we say we are going to do. Earning your trust is paramount to us, and we've been keeping our promises for over 80 years.
ExperienceOur team has over 100 years of combined legal experience.
CommitmentAt LGKG, it's not about us, it's about you.
Your Success Is Our Success
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