Insurance company is denying a claim and acting in bad faith what options do l have?

Get Legal Help Today

secured lock Secured with SHA-256 Encryption

Insurance company is denying a claim and acting in bad faith what options do l have?

I was involved in accident and the insurance
company is trying to deny my claim even though
the agent that sold me the policy told me that
the rideshare coverage I was purchasing would
cover me in case of an accident.

Asked on February 13, 2019 under Insurance Law, Georgia

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 3 years ago | Contributor

It depends on why they are trying to deny a claim. Does this fall under an exclusion in the policy? Do the plain terms of the policy not actually cover this? An insurance policy is a contract: it is enforced according to its plain terms, and both you and the insurer are bound to those terms. Review the policy: if you believe that you are covered based on what the policy says, sue the insurer for both breach of contract (violating their contractual obligations) and violation of the "implied covenant of good faith and fair dealing"--the law-imposed obligation to not knowingly or deliberately act in such a way as to deny the other side the value of the contract.
But the key is what the policy says--you only have the coverage, and only are covered in the circumstances--the policy says. You are bound to the policy to which you agreed when you took it out.


IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.

Get Legal Help Today

Find the right lawyer for your legal issue.

secured lock Secured with SHA-256 Encryption