When you purchase insurance in Lexington, Kentucky, you trust your provider to stand by you in times of need. Sadly, some companies break that trust by delaying, undervaluing, or wrongfully denying legitimate claims. If this has happened to you, legal action may be the only way to protect your rights.
At Ross Mann Personal Injury Lawyers, we are dedicated to standing up for policyholders. With decades of combined experience and over $150 million recovered for our clients, our Lexington bad faith insurance attorneys know how to take on insurers who put profits before people. Contact us today at (859) 413-3900 for a free consultation.
How Can Ross Mann Personal Injury Lawyers Help After a Bad Faith Insurance Case in Lexington, KY?
Insurance companies have vast resources at their disposal, which can make policyholders feel outmatched. Ross Mann Personal Injury Lawyers can level the playing field and protect your rights. We are committed to exposing unfair insurance practices and pursuing the compensation you are owed.
When you hire our Lexington personal injury lawyers, we can assist with key steps in your case:
- Investigating the insurance company’s handling of your claim
- Reviewing your policy and coverage limits
- Documenting communications and delays
- Calculating the true value of your claim
- Negotiating with the insurance adjuster
- Filing a lawsuit when settlement is not possible
- Presenting your case in court if necessary
Our role is to provide skilled representation while keeping you informed every step of the way. With decades of combined experience, our attorneys understand the tactics insurers use and how to counter them. Reach out today for a free case review.
What Causes Bad Faith Insurance?
Bad faith insurance occurs when an insurance company does not uphold its legal duty to act fairly and honestly with its policyholders. Instead of honoring claims in good faith, the insurer places its own financial interests first. Examples of bad faith conduct include unjustified claim denials, excessive delays, or misrepresenting policy terms.
These practices may arise from corporate pressure to limit payouts or from systemic problems in claims handling. Regardless of the reason, policyholders harmed by bad faith have the right to pursue damages through legal action.
What Injuries Commonly Occur in Bad Faith Insurance Cases?
While bad faith cases do not involve physical injuries in the traditional sense, they can cause serious financial and emotional harm.
Common consequences include:
- Mounting medical bills from delayed payments
- Loss of wages when claims are underpaid
- Emotional distress caused by financial uncertainty
- Credit damage due to unpaid expenses
- Stress-related health problems
The impact of an insurer’s misconduct can ripple through every part of a policyholder’s life. Compensation in a bad faith case may include coverage of the original claim as well as damages caused by the insurer’s conduct.
Who Could Be Liable for a Bad Faith Insurance Case?
Liability in a bad faith case typically rests with the insurance company itself. However, responsibility can extend to the individual claims adjuster or supervisor who engaged in or approved the unfair conduct. In some situations, third-party administrators who manage claims on behalf of insurers can also be held accountable.
By carefully reviewing the handling of your claim, we can determine the proper defendants and pursue legal action against all responsible parties. This ensures that accountability is not limited to the corporate entity but extends to anyone who contributed to the misconduct.
How Long Do I Have to File a Lawsuit?
In Kentucky, the statute of limitations for bad faith insurance lawsuits is generally one year from the date of the wrongful conduct. This is a short deadline compared to many other legal claims, which makes it essential to act quickly. Failing to file within this timeframe could result in losing your right to recover compensation.
Speaking with an attorney as soon as you suspect bad faith can help protect your claim. An experienced lawyer can evaluate your situation, gather evidence, and ensure your case is filed on time.
Contact a Lexington Bad Faith Insurance Lawyer for a Free Consultation
If your insurance company has treated you unfairly, Ross Mann Personal Injury Lawyers is ready to stand by your side. Our firm has recovered more than $150 million for clients and has decades of combined experience holding insurers accountable. We offer a free consultation and work on a contingency fee basis, so there is no cost to get started.
Call today for a free consultation with a Lexington bad faith insurance attorney.
