A Seasoned Advocate Taking On Insurance Companies
You are required to carry and pay for various types of insurance, but when the time comes to make a claim, you cannot count on the insurance company to do the right thing. Insurances companies are known for cheating policyholders and others out of the money they are rightfully due. They hire teams of dedicated attorneys and use underhanded tactics to avoid paying.
Delaying, underpaying or denying legitimate claims are common practices. Although you are not required to hire an attorney to file an insurance claim, you may need one to get your money from the insurance company. If you have been cheated by your insurance company, Carbajal Law in Las Vegas is here to fight for you, so you can receive the full compensation you deserve.
Guiding You On Various Insurance Matters
Attorney Hector Carbajal has extensive experience standing up to the insurance companies in disputes involving:
- Auto insurance
- Personal injury protection
- Travel insurance
- Umbrella insurance
- Life insurance
- Homeowners insurance
- Renters insurance
- Property insurance
- Flood insurance
- Earthquake insurance
- Health insurance
- Disability insurance
- Workers’ compensation insurance
- Crop insurance
- Commercial insurance
- Crime and fidelity insurance
- Political risk insurance
Seeking Damages In Bad Faith Insurance Situations
Insurance companies try to maximize profits by denying and/or underpaying claims. They gamble on their ability to overwhelm and bully policyholders, knowing that most will not call their bluff. If you win your insurance bad faith lawsuit, the insurance company can be forced to pay you more than they would have had to pay if they had just acted honestly and fairly in the first place. You stand to win more than the original amount that you should have received. Damages can include:
- The insurance policy benefits that you were wrongfully denied
- Emotional distress
- Punitive damages (in some cases)
Punitive damages exist to punish the wrongdoer rather than to compensate the victim. Nevada caps punitive damages three times the amount of compensatory damages in most types of cases, but there is no cap on punitive damages in cases of bad faith insurance.
Plenty Of Examples Of Bad Faith
Insurance bad faith comes in many forms. Examples include:
- Wrongfully denying payments
- Denying benefits that are covered under your policy
- Paying only partial benefits on a claim
- Wrongfully reducing the amount of a claim
- Failing to provide a reason for claim denial
- Delaying payment for an unreasonable amount of time
- Refusing to settle a claim
- Offering an unreasonably low settlement offer
- Failing to conduct a full and fair investigation in a timely manner
- Engaging in unfair tactics when writing or selling a policy
- Failing to disclose policy limits
- Unjustified coverage denial
- Unjustified policy cancellation
- Terminating or not renewing a policy after a claim is filed
- Overcharging on premiums
Contact An Experienced Attorney
If you believe that you have been cheated by your insurance company, please call Carbajal Law in Las Vegas at 702-846-0040 or contact us online to schedule your free consultation.
