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If an insurance company is unnecessarily delaying your case or has denied it without providing a valid reason, you could be a victim of bad faith insurance. It can be frustrating to be a victim of bad faith insurance as the entire point of paying insurance premiums is to have the insurance company provide support and coverage during times of need. When you need your insurance company to provide you with coverage and they use bad faith tactics, then you must take action in a timely manner.

If you are a victim of bad faith insurance in Milwaukee, WI, get in touch with us at Gingras, Thomsen & Wachs, LLP. Our team of experienced Milwaukee lawyers provide legal representation and advocacy for clients who have been treated unfairly by insurance companies.

What is Insurance Bad Faith?

Insurance bad faith refers to an insurance company’s attempt to renege on their obligations to their policyholders. It can take many forms such as refusing to pay for a legitimate insurance claim, delaying payment, or simply refusing to investigate a case.

In some cases, insurance companies resort to misrepresenting the language in their insurance contract and using that technicality to reduce their payout or deflect liability. They can also act in bad faith by not disclosing key limitations or exclusions of the insurance policy at the time of purchase.

Other forms of bad faith insurance may include paying only partial benefits, deliberately letting policies lapse without notice, or making unjustified requests for evidence or documentation.

It is worth noting that simple mistakes do not constitute bad faith insurance. You can have an attorney assess your case to guide you on whether you have been a victim of bad faith insurance and what steps you can take to protect your rights.

Wisconsin Law for a Bad Faith Insurance Claim

The state of Wisconsin allows insurance policyholders to file civil lawsuits against an insurance company that engages in bad faith tactics. As the policyholder, you may be entitled to various types of compensatory damages through an insurance bad faith claim, including financial losses and treatment expenses for an injury caused by bad faith tactics. In some cases, you might be able to recover punitive damages if you can prove the insurance provider engaged in particularly egregious conduct.

Keep in mind that you have limited time to initiate legal action. The statute of limitation for bad faith cases is generally three years from the date the bad faith actions took place.

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Steps To Take When Dealing With Insurance Bad Faith

If you suspect that your insurance company is not acting in good faith, you should get in touch with an insurance bad faith attorney as soon as possible. The attorney can review your policy in detail to understand your coverage and guide you on your rights. Insurance terms and conditions are often technical so it is best to involve an attorney in the process.

You should also document anything that you think can be used as evidence to support your claim. This includes your communication with the insurance provider and other relevant information based on the type of insurance coverage.  For example, for a dispute with an auto insurance company, you may want to keep a record of damages to your vehicle or medical expenses to treat your injuries.

Your attorney can investigate the case, help you gather evidence, and file an official complaint with the appropriate insurance regulatory agency. In Wisconsin, this could be the Office of the Commissioner of Insurance. If the insurance company is willing to negotiate, your attorney can advocate for your rights. However, if the negotiations fail, your attorney can consider alternative dispute resolution through arbitration or mediation. However, if attempts to settle the bad faith insurance claim out of court yield unsatisfactory results, the attorney can file a lawsuit against the insurance company for their bad faith tactics.

Schedule a Consultation with a Bad Faith Insurance Attorney

Whether you are dealing with delayed payment, a denied insurance claim, or other potential bad faith practices, our Milwaukee insurance bad faith law firm is committed to fighting for your rights. We have the legal experience to handle bad faith insurance cases. Our team can handle all the legal aspects of the case, including communication with the insurance company and evidence gathering.

Have you been the victim of a bad faith insurance case? Allow us to fight for your rights using our deep understanding of insurance policies and the laws that govern insurance bad faith cases. Contact us to schedule a free consultation with one of our insurance bad faith attorneys.

To explore additional practice areas at Gingras, Thomsen & Wachs, LLP, including personal injury cases, or to schedule a complimentary consultation, we invite you to reach out to our team. Visit our Milwaukee personal injury lawyer page to learn more about how we can assist you.

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