The first holiday of bad faith with the claims done by the policyholders and it covers a wide range of crimes. Is there a summary of the most common five. The denial of an insurance company to pay a claim without reasonable foundation, or the defeat of an insurance company to investigate appropriately the request in time and it forms, a part can constitute a case of the first bad faith.
Claims of bad faith of third are realized when a policyholder has been demanded and the insurance company of the policyholder has acted reasonably to solve the claim, or has stopped investigating or defending the claim in time and form.
Here there are five practices of insurances of bad faith more communes: Un delay of the insurance company, discounts or he denies payment without reasonable base: An insurer simply to deny the payment of something that the politics of the insurance company covers clearly.
This is the most common form of bad faith, and possibly the easiest to demonstrate with the help of a lawyer of insurances of bad faith. The mistake of an insurance company to pay a claim covered like result of not doing a suitable, prompt and exhaustive investigation as for the responsibility and the reasonable indemnification based on all the available information: When a policyholder has provided the information necessary for its insurance company to answer appropriately to its claim and to investigate the unproven statements, they would have acted with negligence.
An insurance company cannot affirm or deny a claim immediately, or in a reasonable time after the reception of a request and / or the test of the loss: The insurance companies are legally forced to guarantee the opportune communication to its policyholders, therefore, when the insurer does that its clients to wait weeks or even months to validate a request of claim that they are operating of bad faith.
An insurance company settles or tries to dissolve the controversy for much less than it is deserved: All would like believing that our own insurance companies are of our side – that they act as sound and say to us that they are, nevertheless, unfortunately, the insurance companies are only to gain money for themselves. Many insurance companies are of bad reputation and well-known for trying to solve the claims dishonestly.
To extend the already long process, some insurance companies need an absurd quantity of the papers of the petitioner and/or the doctor: It will be asked him for the presentation so much of a preliminary report for the claim and the formal test of the forms of loss, which generally contain the same information.
Also, they can request documents that had not been mentioned in politics and deny a claim if this paperwork does not take place. Numerous laws exist, the articles of association and the levels of observance of the law of insurance against the bad faith. Insurers of bad faith he can be responsible for the following damages: legal sanctions, legal interests, the responsibility for mistakes in excess of the limits of the insurance policy, the lawyers’ fees, emotional suffering, economic losses, and punitive damages.