The law requires that insurance companies act in good faith toward their customers; in other words, they must fairly uphold their side of the contract. This law applies to most every type of insurer in Pennsylvania, including business liability insurers, business income loss insurers, homeowners insurers, disability insurance insurers, life insurers, and accidental death benefit insurers.

Under Pennsylvania law, an insurer who fails to pay a covered claim or unreasonably delays the payment of a covered claim can be held responsible not only for the amount of the claim but for other damages as well.

Examples of when you might have a bad faith insurance claim include:

• The insurance company failed to adequately investigate your case
• The insurance company intentionally misinterpreted or inaccurately represented their own policy to minimize the cost of your claim
• The insurance company took an unreasonable length of time to pay your claim
• The insurance company failed to give an adequate explanation for the denial

Documenting the incident

You will need evidence to show the insurance company acted in bad faith. To help support your claim, keep all documents, including:

• Photos
• Receipts
• Letters to the insurance company
• Reports
• Records of any other communication with the insurance company

Cohen, Feeley, Altemose & Rambo protects victims of bad faith

Not every denial of a claim is made in bad faith.

If you suspect you are being treated unfairly by your insurance carrier, it is important to have an experienced attorney review your situation to see if the particulars in your case might be considered bad faith.

Victims of bad faith by insurance companies may be entitled to compensation for:

• Interest on the claim amount equal to the prime rate of interest plus 3%.
• Court costs
• Attorney’s fees
• Punitive damages

Complex cases need experienced attorneys

With our unsurpassed litigators, Cohen, Feeley, Altemose & Rambo has prepared and litigated numerous claims against insurance companies over the last 50 years. We fight for a maximum settlement to compensate the victim for all aspects of their injuries.

Do you suspect your claim was unfairly denied or underpaid?