What Is Bad Faith Denial of Insurance Claims?

When facing significant losses due to an accident, natural disaster, or health emergency, you rely on insurance for assistance. You pay your premiums dutifully, maintain your policies, and trust that, should you need to make a claim, the process will be straightforward and fast. After all, insurance claims are filed in response to disasters. It is reasonable to assume the companies you pay for this service will step up when you need them.

But what happens when your claim is denied or delayed, leaving you and your family financially vulnerable? Worse still, what if the hold-up stems from the insurance company’s unwillingness to honor its end of the policy? The policy that you have been faithfully paying for all this time?

The bad faith denial of insurance claims occurs when an insurance company fails to settle a valid claim, delays payment unnecessarily, or underpays a claim on purpose. These situations can be frightening and confusing, especially when you rely on insurance to cover medical bills, lost wages, or repairs to damaged property. If you suspect your claim was denied unjustly, contacting an insurance bad faith lawyer is the first step in protecting your rights.

At Burg Simpson, our bad faith insurance lawyers have seen the devastation caused by unfairly denied, delayed, and underpaid claims. We are here to help you understand your options, stand by your side, and guide you through the process of fighting back. Call us at 303-792-5595 to schedule a FREE and confidential case review and learn more about how we can help with bad faith denial of insurance claims. Burg Simpson serves clients in Denver and all of Colorado.

What Is Bad Faith?

When it comes to personal injury, bad faith denial of insurance claims occurs when an insurance company fails to treat policyholders with fairness and honesty. All insurers have a legal obligation to promptly investigate claims, communicate clearly, and settle claims in good faith. When they act dishonestly or unreasonably, they can be held liable for acting in bad faith.

Bad faith denial of insurance claims can be especially damaging in injury cases, where you may be relying on insurance payouts to cover medical bills and ongoing rehabilitation. For example, after a serious car accident or workplace injury, timely compensation is needed to ensure financial stability during recovery. When an insurance company fails to honor its own policy terms, it leaves injured people vulnerable and may place obstacles on their path to recovery.

If you recognize the signs of bad faith denial, you should take action to protect yourself against the consequences as soon as possible. If you suspect that your insurer is acting dishonestly or unreasonably, consulting with an experienced insurance bad faith lawyer is a good first step towards holding them accountable.

How Can I Tell If I Am Facing a Bad Faith Denial?

Insurance companies understand loopholes. This means bad faith denial of insurance claims may be cloaked in what appears to be legitimacy. Determining whether you are facing an unfair or illegal denial can be extremely complex without professional assistance. This is where an experienced bad faith insurance lawyer will come into play. Your lawyer will carefully evaluate your claim, provide a thorough assessment of its viability, and help you determine if you have cause to take legal action against an insurance company.

Signs that you may have been the victim of a bad faith insurance denial include:

• Unexplained delays in claim processing or payment
• Inadequate investigation into the details of your claim
• Denial of a claim without providing a valid reason
• Denial of a claim for a provided reason that is inaccurate
• Offering a settlement amount that is lower than what your policy covers
• Misrepresentation of the terms and conditions of your policy

These are common examples of bad faith denial of insurance claims, but far from the only ways insurance companies may fail to treat clients fairly. If you suspect your claim is being purposefully delayed or has been intentionally underpaid, our experienced lawyers can review your claim for free to help you understand the best way to proceed.

Do I Need a Bad Faith Insurance Lawyer?

Legal assistance is often necessary when dealing with the bad faith denial of insurance claims. Insurance companies have teams of lawyers working to protect their bottom line. By hiring a lawyer experienced in bad faith claims, you level the playing field, giving yourself a better chance of recovering fair compensation. An experienced bad faith insurance lawyer can gather evidence, build a strong case on your behalf, and advocate for your rights in both negotiation and trial settings.

Insurance companies have reported substantial profits over the past several years, even as more and more claims go under or unpaid. Without an attorney on your side, you are at the mercy of powerful corporations with a history of tilting things in their favor. Your bad faith insurance lawyer will work to protect you against these tactics while establishing your right to fair compensation.

In some cases, victims of bad faith insurance practices may also be entitled to damages beyond the original claim. This can include compensation for emotional distress or additional financial losses caused by the delay or denial. During your free consultation with one of our dedicated attorneys, we will assess your claim, discuss your options, and help you determine which types of compensation you may be eligible to seek.

Why Choose Burg Simpson for Your Bad Faith Insurance Denial Claim?

For more than 45 years, Burg Simpson has been standing up for individuals and families who have been wronged by insurance companies. These large, powerful corporations have a history of placing profit over people with tactics to delay, underpay, or deny valid claims. Our firm has a proven track record of holding these corporations accountable. Having secured more than $2 billion in verdicts and settlements for our clients, our lawyers understand what it takes to fight back when insurers act in bad faith.

Burg Simpson has seen the tactics insurers use to avoid paying rightful claims, and we are neither intimidated nor impressed by their efforts. Whether we are filing a lawsuit, negotiating on your behalf, or trying your case in front of a judge and jury, we are prepared to stand by your side every step of the way. Our award-winning attorneys take a personal approach to every single case, ensuring that each client is heard, treated with respect, and provided with renewed confidence in the legal process.

Good Lawyers. Changing Lives.®

Burg Simpson’s long history of success is built on hard work, thoughtful and thorough case preparation, and an unwavering commitment to protecting our clients’ best interests. Our attorneys have both local and national experience, giving us an edge when it comes to uncovering signs of bad faith denial of insurance claims. We do not believe in quick settlements that undervalue your claim. We will pursue maximum compensation that reflects the full scope of your losses—including emotional struggles and any additional hardships caused by the insurer’s bad faith actions.

The bad faith insurance lawyers at Burg Simpson understand the impact a denied or delayed claim can have on every aspect of your life. We fight tirelessly to hold insurers accountable for their dishonest practices. Your case matters to us. Your future health and happiness matter to us. We are prepared to protect your rights and protect your interests, no matter how complex or challenging the situation may be.

Our Lawyers Can Help Following the Bad Faith Denial of Insurance Claims

To schedule a FREE case evaluation with one of our experienced bad faith insurance lawyers, contact Burg Simpson online or call us right away. We serve clients throughout Colorado and the Denver area.