Avon Insurance Claims Lawyer
Insurance companies are some of the largest corporations in Indiana, and they did not get this way by acting generously. Large insurers are always looking out for their bottom line, and sometimes accident victims and even the insured parties get the short end of the stick.
Keffer Hirschauer LLP is here to help. Our Avon insurance claims lawyer has helped many victims receive compensation following an accident and can sue insurers for bad faith when they violate the law.
Making Claims as an Accident Victim
Many of our clients make insurance claims following accidents:
- Car accidents. The other driver should carry liability insurance, but our clients should also have uninsured/underinsured motorist coverage that comes into play.
- Truck accidents. The trucking company should carry business liability insurance that will cover accidents.
- Dog bite attacks. The dog owner might have homeowners or renter’s insurance that can pay out compensation to those injured by a dog.
- Slip and fall accidents. A store’s business liability insurance should cover an accident, and a private homeowner’s policy might cover accidents that happen on someone’s private property.
Regardless of the type of insurance, all insurers should promptly investigate an accident and pay out valid claims without unnecessary delay. Unfortunately, many insurers do not follow through on these obligations. Accident victims need an experienced Avon insurance claims attorney by their side to help them.
Failure to Defend an Insured
Many insurance policies include a duty to defend the insured when he or she is sued. This is an excellent benefit, since litigation is so expensive, and few people can defend themselves competently. However, some insurers unfairly or wrongly refuse to defend their insured, arguing that the accident is not covered by the policy. This action leaves many people in a lurch.
Bad Faith Insurance Practices
Insurers sometimes do not treat their own insured fairly. Month after month, a person will pay insurance premiums only to be deserted by their insurer when they need them most. As your state’s Supreme Court has noted, however, there is a duty to act in good faith implied in every insurance contract in Indiana. An insurer must refrain from doing any of the following:
- Deceiving its insured
- Causing unnecessary delay in payment
- Refusing to pay policy proceeds for no reason
- Pressuring an insured to settle a claim by using an unfair advantage
Bringing a bad faith claim is never easy and requires clear and convincing evidence. An insured who sues, however, can receive compensation above and beyond the policy limit to include any consequential damages. A successful litigant might also receive attorneys’ fees. When an insurer acts with fraud or oppressive conduct, our clients might receive punitive damages.
Struggling with an Insurer? We Can Help
The lawyers at Keffer Hirschauer understand the insurance process from start to finish, and we use the law to protect our client’s rights. Please contact us today to schedule a free consultation. Whether you are an accident victim or an insured who has a dispute with an insurer, our attorneys can assist you.