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Suing the Insurance Company After an Accident
You can sue your own insurance company when they engage in bad faith practices, wrongfully deny valid claims, or refuse to pay compensation you're legally entitled to receive.
Insurance companies deploy delay tactics and lowball offers to avoid paying claims even when coverage applies.
You have legal rights when your insurer breaks the contract.
The insurance policy creates binding contractual obligations the company must honor.
Insurers that act in bad faith with unreasonable claim handling or through misconduct expose themselves to legal redress.
Claimants injured in accidents should not bear financial burdens while their own insurance company plays games with legitimate claims.
Contact Lawsuit Legal for a free case consultation to review your insurance dispute and explore legal options for holding your insurer accountable.
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Insurance Companies Must Act in Good Faith - Here's What That Means
Insurance companies owe you a legal duty of good faith and fair dealing under state law.
This duty requires insurers to thoroughly investigate claims, provide reasonable compensation for covered losses, communicate honestly about policy coverage, and process claims without unreasonable delays.
In short, they must meet their contractual obligations, follow the insurance laws, and abide by their policy terms.
Common bad faith conduct includes:
- Denying claims without proper investigation - Rejecting coverage before reviewing medical records, police reports, or accident evidence
- Unreasonable claim delays - Ignoring requests for information, missing deadlines, or stalling payment without justification
- Lowball settlement offers - Offering compensation far below actual damages despite clear policy coverage
- Misrepresenting policy terms - Falsely claiming exclusions apply or coverage doesn't exist
- Failure to defend - Refusing to provide legal defense when liability claims arise against you
State insurance regulations establish specific timeframes insurers must meet for claim acknowledgment, investigation completion, and payment processing.
Why Insurance Companies Deny Valid Claims and How to Fight Back
Insurers work hard to mitigate payouts through various tactics.
Undervaluing claims, denying claims that should be paid, and bullying policyholders to give up on their claim maximizes profits.
Insurance companies count on you giving up rather than fighting back through legal action.
Common denial tactics include:
- Disputing medical necessity - Claiming injuries don't require treatment despite doctor recommendations
- Alleging pre-existing conditions - Blaming current injuries on unrelated prior medical issues
- Coverage technicalities - Finding minor policy violations to void entire claims
- Comparative negligence arguments - Claiming you caused your own injuries to reduce payouts
- Statute of limitations pressure - Delaying until time limits expire for filing suit
Fight back by documenting everything in writing, demanding detailed denial explanations with specific policy citations, getting independent medical evaluations, and hiring an attorney who knows insurance law.
Legal Grounds for Suing Your Insurer: From Bad Faith Denial to Delays
You can sue the insurance company under several scenarios depending on the nature of your claim type and state law.
First-Party Claims vs. Third-Party Claims
First-party claims involve seeking compensation from your own insurance policy for your injuries, vehicle damage, or property losses.
You're suing your own insurer for coverage they owe you directly.
Third-party claims involve the at-fault driver's insurance company refusing to pay for damages their policyholder caused.
You're seeking compensation from someone else's insurer.
Bad faith lawsuits can apply to both claim types when insurers violate good faith duties.
Other Legal Grounds for Suing Your Insurer
You may have valid legal claims when insurers:
- Breach the insurance contract by denying covered claims
- Violate state unfair claim practices acts through improper investigation or communication
- Commit fraud by misrepresenting policy coverage or claim facts
- Act in bad faith by prioritizing company profits over policyholder rights
- Engage in unfair settlement practices like forcing unreasonably low offers
Multiple insurance policies can create additional compensation sources including uninsured motorist coverage, underinsured motorist coverage, medical payments coverage, and umbrella policies that your insurer may wrongfully deny.
Making Big Insurance Pay: Get Legal Help to Sue Your Insurer
Contact Lawsuit Legal to discuss your insurance dispute and learn how our attorneys can force your insurer to pay the compensation you deserve.
Insurance companies respond differently when experienced trial lawyers get involved.
Let us review your insurance claim case if you have been denied or feel you haven't been treated fairly.
Our legal team can help you get it sorted and ensure your rights are protected.