Insurance & Bad Faith
Insurance companies in the United States have a legal obligation to fair dealing and a duty of good faith with their policyholders.
When insurance companies violate these duties, either through negligence or intentional act, this is called bad faith insurance. In these situations, policyholders have every right to file tort claims in pursuit of appropriate compensation. In addition, breach of contract claims may also be in order in certain cases. If you have been the victim of bad faith insurance, don’t hesitate to enlist the advocacy of Foshee & Yaffe Attorneys at Law to represent your best interests.
Delayed Payment
Your insurance policy is an agreement to be upheld and protected by law. When an accident occurs, that is covered by your insurance policy your insurance company has an obligation to pay as soon as it is reasonably clear that your claim is eligible. When this does not occur, you may have a bad faith claim.
Delayed Investigations And Other Bad Faith Examples
One tactic that may be used to delay payment on a claim is to delay the perfunctory investigation into your claim. Another tactic is only to pay a small portion of the claim with no plans to pay out the remainder of what may be legitimately owed based on your policy. At worst, your legitimate claim may be denied outright based on illegitimacy.
Reasons For Bad Faith Insurance Claims
Bad faith claims come in various forms. If you have experienced a delayed investigation, delayed payment or a denied claim based on any of these reasons, call Foshee & Yaffe Attorneys at Law, and we can discuss how to stand up for your rights.
Your phone calls are not being returned by the claims adjuster
You are not receiving a response to your emails
Insurance company holds up your claim based on minor document errors
Claims adjuster denies your claim without investigation
Settlement is offered that is unreasonably low
No reason given for denied claim
You are passed from one claims adjuster to the next for no apparent reason
Your claim is said to have been lost
There has been no clear communication as to when your claim will be processed or when you will receive payment
Adjusters are inexplicably rude
Adjusters and insurance staff use intimidation or veiled threats
You are told a settlement is coming, but negotiations are continually delayed
No legitimate basis for low settlement offer
Advocacy For Victims Of Bad Faith Insurance
If you believe you have been the victim of a bad faith insurance claim, you have an advocate in Foshee & Yaffe Attorneys at Law. Let us fully employ our nearly 50 years of experience on your behalf in holding all liable parties accountable. Foshee & Yaffe Attorneys at Law is big enough to fight and small enough to care.
Tornado Claims
Severe damage can occur and turn your home or business upside down without warning. Recovering from the devastation can seem impossible. To add to the burden, many insurance companies delay payment for their clients who have paid high premiums for many years for this type of disaster. Many times, an insurance representative will provide a dispute over how much storm coverage a person actually has or the amount of property damage that actually occurred. The insurance lawyers at Foshee & Yaffe in OKC have many years of experience in battling insurance companies to give their clients the payments they deserve. Our firm recognizes that insurance agencies face a huge strain when disaster strikes; however, this does not negate the need to treat policyholders in a fair and just manner. The insurance attorneys at our firm are committed to fighting for our clients who face severe underpayment, pressure to settle without representation, and outright dishonest treatment to their insured individuals and families.
Insurance Tactics To Underpay Or Delay Payment For Your Tornado Insurance Coverage
Facing delayed payment from the insurance company can further complicate an already intimidating situation. Families and business owners usually do not have private funds that will allow them to rebuild without the proper insurance payment. It is for this reason that people purchase insurance. As our firm has worked with a multitude of tornado victims throughout recent years, we have established a comprehensive understanding of insurance tactics and practices that attempt to limit the payout they provide to their clients. Our tornado insurance coverage lawyers have the expertise to help you receive the damages you are owed to begin your life with a fresh start after the effects of a major storm.
Insurance Tactics To Underpay Or Delay Payment For Your Tornado Insurance Coverage
Facing delayed payment from the insurance company can further complicate an already intimidating situation. Families and business owners usually do not have private funds that will allow them to rebuild without the proper insurance payment. It is for this reason that people purchase insurance. As our firm has worked with a multitude of tornado victims throughout recent years, we have established a comprehensive understanding of insurance tactics and practices that attempt to limit the payout they provide to their clients. Our tornado insurance coverage lawyers have the expertise to help you receive the damages you are owed to begin your life with a fresh start after the effects of a major storm.
OK INSURANCE ATTORNEY Representation
Tornados, hail, wind storms and other devastating acts of nature are too familiar to OK residents. When insurance giants attempt to delay financial benefits after a crisis, the insurance attorneys at Foshee & Yaffe in Oklahoma City will help you protect you financially while you face the challenges of rebuilding and repairing. Our professional attorneys can take over the time-consuming job of communicating and negotiating with your insurance company. We will not allow an insurance representative to persuade you into accepting a settlement for less than you are owed or create unnecessary red tape that will further delay your recovery efforts.
Our Firm Handles Insurance Negotiations And Litigation For:
Insurance negligence
Insurance delay in payment
Residential tornado claims
Commercial tornado claims
Property management company claims
Loss of business income
REVIEW OF ALL SETTLEMENTS FROM INSURANCE COVERAGE IN OK
Even if you feel your insurance representative is offering a fair settlement for your losses, it is imperative for you to ask an insurance lawyer to review your claim. Our expertise in tornado and storm damage coverage may allow us to recognize areas you have not seen as a major loss. If you sign an insurance agreement prior to consulting with an attorney, you may negate the possibility of receiving further damages you could uncover at a later date. For your best protection, you should always consult with an attorney prior to signing an insurance settlement.
REVIEW OF ALL SETTLEMENTS FROM INSURANCE COVERAGE IN OK
Even if you feel your insurance representative is offering a fair settlement for your losses, it is imperative for you to ask an insurance lawyer to review your claim. Our expertise in tornado and storm damage coverage may allow us to recognize areas you have not seen as a major loss. If you sign an insurance agreement prior to consulting with an attorney, you may negate the possibility of receiving further damages you could uncover at a later date. For your best protection, you should always consult with an attorney prior to signing an insurance settlement.
Representation For Your Tornado Insurance Coverage Delays
The OKC law firm of Foshee & Yaffe wants to protect your interests and give you the best footing to rebuild and repair your property following a tornado or major storm. Do not allow an insurance agency to unnecessarily delay your payment. Call (405) 378-3033 or email our insurance lawyers today. We handle all insurance claims on a contingency basis.
Coverage Delays
Oklahoma insurance companies have a responsibility to treat you fairly and process your claim with prompt payment.
Having worked with clients on a wide variety of insurance claims for years, we have seen time and again that a delay in payment typically precedes an imminent, full denial of the claim.
Don’t Hesitate To Take Action
This means if you and your insurance company have gone back and forth about a claim and you still have not received payment, now is the time to enlist the advocacy and tenacity of an experienced Oklahoma insurance claims lawyer. The moment it seems your insurance carrier is stalling may mean they are attempting to gather adversarial evidence against you in order to avoid paying your claim.
The law offices of Foshee & Yaffe in Oklahoma City, Tulsa and Sayre are prepared to help walk you through the steps of dealing with bad faith insurance issues, also commonly called malpractice insurance. Our team has extensive experience in dealing with fraudulent insurance companies that may have committed breaches in your contractual agreements.
Whether dealing with medical bills, automobile repairs or damage to your home, the insurance company delaying payment or refusing to pay your legitimate coverage should be held accountable. Your insurance policy is a legal contract that should be upheld.
don’t fight it alone
If you or a loved one are dealing with delays or denials of insurance coverage, don’t fight it alone. Foshee & Yaffe would like to offer you a free initial consultation to discuss your claim delay or denial. Please don’t hesitate to contact us by email or call (405) 378-3033.
FIRE INSURANCE COVERAGE
Get the compensation you deserve from your insurance company. You pay your insurance on time; they should pay back when it's time.
If you've been paying on a policy for years and your insurance company is treating you unfairly, it's time to take action and get an experienced lawyer on your side that will fight for you. Contact us by completing a form or calling us at (405) 378-3033.
When Fire Strikes, We’re Here To Make Sure Your Insurance Pays.
Get the compensation you deserve from your insurance company. You pay your insurance on time; they should pay back when it's time.
Wildfires have become a common occurrence each year in Oklahoma throughout summer months. We fight for homeowners, business owners and those that make a living off of their land. Fires can take out your cows, horses, chickens, and other livestock along with your crops, farmland, stables, and other precious necessities to your livelihood. Families can lose everything when their home or business is destroyed. Recovery can seem out of reach when your insurance company fails to offer compensation even when your policy seemingly covers it. The attorneys at Foshee and Yaffe are here to make sure that you get what you deserve. We will not allow them to underpay or deny your claim. If you've been paying on a policy for years and your insurance company is treating you unfairly, it's time to take action and get an experienced lawyer on your side that will fight for you. Contact us by completing a form or calling us at (405) 378-3033.
Business, Farmland, Or Home Destroyed? Don’t Let Your Fire Claim Be Delayed Or Denied.
If you are a fire coverage policyholder, your insurance company is required to uphold the terms of your policy. Throughout our years of experience, we have seen insurance companies use tactics of intimidation and dishonesty to prolong or prevent giving clients the compensation that is rightfully owed. Insurance companies may attempt to intimidate and coerce you to settle for a low payout, delay your claim by simply failing to return your calls, or even dispute the amount of coverage or damage that you have. Despite their attempts to prevent payout, our expertise and knowledge help ensure that you are able to rebuild after fire damage by fighting for you to get what you deserve.
Let us help. Get a fire insurance attorney.
Our insurance attorneys can take the burden off of you and allow you the peace-of-mind to recover from the tragedy that fire brings. We know what to look out for and how the process is supposed to be handled. We will take over the time-consuming negotiation with your insurance company and handle any problem that they may attempt to raise in an effort to delay payout.
We Can Help With:
Insurance negligence | Insurance delay in payment | Residential fire claims | Commercial fire claims | Property management company claims | Loss of business income
Our goal is to take the stress off of you and handle the process on your behalf.
We understand that fire damage can leave you trying to rebuild your life and there is no reason that you should not have our full support along with the compensation that you deserve. If you’re paying on a fire insurance policy and your insurance company refuses to payout when fire strikes, give us a call today at (405) 378-3033.
INSURANCE COVERAGE DENIALS
You may have an insurance policy, but that is not a guarantee that you will have a smooth experience in filing a claim and getting the compensation you need and expect.
Denials for claims can and do happen regularly in Oklahoma. Some denials are based on sound reasoning, but others can really catch you off-guard and leave you wondering what to do next. Below are a few of the most common reasons for insurance coverage claim denials our local lawyers have experienced.
Lack Of Insurance Coverage
You may feel that you have coverage for certain things, such as floods in your home and long-term disability, but you may find (at the worst possible time) that you are not covered. Always carefully review your policies to know what you do and do not actually have. It will save the embarrassment and aggravation of a future claims denial.
Fraudulent Claims
Never exaggerate your claim. If it can be found that you are being less than honest about any situation, it can bring about a claims denial. It can make it difficult to get further insurance coverage.
Not Following Stipulations
Some policies state exact stipulations that will make or break whether you will get a claim approved or denied. An example of this is if you have a standard auto liability insurance policy and you let an unlicensed driver use your vehicle. If damages arise from this, then you will find any claims that come forth denied.
Not Disclosing Damages Or Incidents
You need to document and report incidences and damages so that your insurance company is not caught unaware. For instance, if someone gets hurt on your property, then you need to report it to your home insurer before they find out from litigation. Failure to do this can cause a claim denial, leaving you to pay for the damages yourself.
Ignoring Or Dragging Out Claims
When an insurance company ignores your claim or fails to act on it, it leaves you in limbo. There are times when an insurer will simply refuse to deal with a claim. This is an unfair way to do business, and it needs to be dealt with legally. Don’t let yourself become a victim of negligent or improper insurance practices in Oklahoma City – let us help you stay on top of your insurance claim.
What Needs To Happen
If your valid insurance claim is denied, then you need to file an appeal. Make sure to document carefully everything as you go along. The better your documentation is, the stronger your case is.
How Insurance Lawyers At Foshee & Yaffe Can Help
Discuss your situation with an attorney well-versed in insurance law. The experts at Foshee & Yaffe can help intercede in situations and help you come to settlements outside of court. We can also help build and carry out a lawsuit, if necessary. Never take an insurer's claim denial as the last word.
Breach Of Contract
If you have a legitimate claim under current coverage, then it is wrong to be denied. It is a breach of contract, and suits can be brought against the carrier to recover the money you need. It is typically only the amount of coverage and maybe attorney fees.
Bad Faith Or Malpractice Insurance In Oklahoma City
A bad faith claim can be brought against a carrier when that agency purposefully neglects or harms your case. This happens when your claim is flagrantly dragged out or ignored. You can often recover pain, suffering and stress damages when it is found to be an act of bad faith.
If you feel you have a legitimate claim and have been denied, then you need to seek good and accurate legal consultation.
The law is not always as cut-and-dry as the claims denial will lead you to believe. Insurance companies are going to do everything they can to save money. You need to do everything you can to make sure you receive the compensation to which you're entitled. Contact us today to get started!
Uninsured & Underinsured Motorists
Our chances of being hit by an uninsured motorist are high in Oklahoma. The Insurance Research Council estimates that more than 24 percent of drivers in the state are uninsured. That is the fourth-highest rate in the nation.
The Oklahoma City personal injury attorneys at Foshee & Yaffe represent clients who were injured by uninsured or underinsured motorists, as well as those harmed by hit-and-run drivers. In these cases and some other car accident claims, we look to our client’s own uninsured motorist coverage to step in and pay what is owed.
We Insist They Treat You Fairly
If you are making a claim against your own policy, you become an “adverse party,” someone who can cost the insurance company money. The insurance company is motivated to pay you as little as possible for your damages. Our car accident lawyers are aware of these practices and will work to see that you obtain fair compensation for the full amount of your accident-related damages. Damages may include pain and suffering, lost wages or income, medical and rehabilitation costs, and property damage.
Some clients are hesitant to make a claim because they believe it will increase their insurance rates. Insurance companies treat car accident claims against uninsured motorist coverage differently than they do claims in which the policyholder was at fault for the accident. Your insurance rates are likely to go up whether or not a claim is filed. Get the recovery you have been paying your premiums for.
Our Oklahoma City personal injury attorneys pursue all possible sources of financial compensation. If the driver who hit you was drunk, for example, we will investigate whether a bar or restaurant that served the driver alcohol is liable for damages.
Our law firm offers a free initial consultation to discuss your uninsured or underinsured claims.
Please contact us by email or call (405) 378-3033.
You deserve to be heard. Contact Foshee & Yaffe Law for a free consultation and let us fight for your rights.