Every driver needs auto insurance to protect themselves and others in the event of an accident. Yet insurance companies are businesses, and like every other business (including those that provide insurance coverage) – they exist to make a profit. When an insurance company puts the motivation of making a profit ahead of the service they provide, they make it increasingly difficult for a person to file a legitimate claim. Personal injury lawyers call this “bad faith claim handling.” Today, with the help of car accident claims lawyers, it is possible to fight these type of insurance companies, when it comes to filing a genuine claim.
When Insurance Companies Won’t Pay
The purpose of having drivers continually pay their insurance premiums (which go into a huge pool of funds these companies hold), is so if a driver is ever involved in an accident, any claimable injuries and associated damages will be covered. Additionally, experienced personal injury lawyers insist that insurance companies are supposed to deal with claims in a reasonable amount of time so those who need these funds for their injuries and expenses, get them in a reasonable amount of time.
In recent years, some insurance companies have made it more difficult for their customers to file accident claims. They have begun refusing more claims, and resorting to tactics such as offering quick - but frequently lower settlements up front - to avoid the process of proper accident investigation to determine true, fair claim amounts. They may even delay claims for an unreasonable period of time before any payouts are made. Car accident claims lawyers say these tactics go completely against the purpose of having auto insurance in the first place, leaving those with injuries or damage in need until payout is received - if it even is ever received. In the meantime, the longer an insurance company holds onto their funds, the more profit they are able to make.
Dealing with Bad Faith Insurance Practices in Washington State
Thankfully, this practice of bad faith claim handling has been recently brought to light in the State of Washington. Bad faith claims handling is now an actionable offense in Washington, and insurance companies that do this can be sued. What this means is that anyone who is insured, and faces these kinds of problems in getting their claims resolved, may file legal claims against their insurance company for bad claims practices.
Bad Faith Claims Regulations
According to the law, insurance companies are now required to handle claims according to the regulations outlined to provide fast and fair handling of insurance claims. Some of these regulations include handling all insurance claims in a timely manner, and quickly notifying those who have filed a claim if their claim will be denied, and more importantly - why. Claim denial now requires specific explanation that must refer to the exact part of insurance policy that allows for denial, to avoid fraudulent denials. Companies that fail to operate according to the new law can find themselves with a separate claim against them for bad faith claims handling, above and beyond the actual accident claim.
The significant threat posed by this law has been a great help in expediting the insurance claims process in the State of Washington since its inception. It has helped claimants get fair consideration, and receive payouts when they need them. For this reason, anyone dealing with an auto accident claim and having difficulty obtaining answers or payments from an insurance company, should speak to knowledgeable car accident claims lawyers about their situation. With the assistance of personal injury lawyers who are experienced in dealing with insurance companies, accident claimants can receive the settlement they need - and deserve - with much less hassle!
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Spokane, Washington 99201