Insurance Bad Faith

Insurance companies and their adjusters owe a special duty to their insured to act in good faith. Simply put, insurance companies commit bad faith when they deny a reasonably clear claim.

First Party Bad Faith

If an insurance company unreasonably denies your workers’ compensation claim. You may also have a bad faith claim if you have had damage to your home or to your business and coverage is not provided. You can sue to collect the insurance that you are owed and additional damage for the denial of the claim if the denial was bad faith.

Third Party Bad Faith

New Mexico allows third-party bad faith claims in situations where you were in an auto accident or have some other claim against another person’s insurance and they reasonably deny a clear claim or do not act in good faith.

A claim may be filed against an insurance company after there has been a judicial determination of fault against the insured and damages are awarded. At that time, you may have a claim against the insurer if a reasonable insurance company would have paid on the claim without further litigation.

Disability Insurance Bad Faith

People pay good money to protect their future by buying disability insurance. Insurance companies oftentimes do not honor this insurance because it costs them dearly. If you paid for disability insurance and it was wrongfully denied, you can sue to collect not only the insurance that is owed to you, but also additional damages for bad faith denial.

Healthcare Insurance Bad Faith

A wrongful denial of health insurance can be catastrophic. It can even cause future harm or even death. Bad faith claims can be brought for these wrongful denials.

If you feel that an insurance company has committed bad faith, contact our office for a free consultation.