My insurance company tells me my claim is not covered due to a particular provision in my policy. While it seems to me that the provision in fact covers the loss, isn't the insurance company going to win? Is it any use to fight it?

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My insurance company tells me my claim is not covered due to a particular provision in my policy. While it seems to me that the provision in fact covers the loss, isn't the insurance company going to win? Is it any use to fight it?

No and yes: no, the insurer isn't going to automatically win and yes, there frequently is reason to fight it!

If a policy provision is subject to more than one interpretation, and your interpretation is a reasonable one, the insurer is usually bound by that interpretation. Also, any ambiguities in a policy are construed in your favor. Don't think that insurance policies can't possibly contain ambiguities simply because they are written by big companies. They do. Further, the insurer cannot in good faith adopt a restrictive view of the policy coverage in an effort to deny a claim if your reasonable expectations are supported by the policy language and facts concerning the claim.

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Do I owe any obligations to the insurance company concerning my claim?

Is there anything in particular I should remember when I am making a claim or when I am dealing with my insurance company?

What if the company appears to be simply dragging its feet on my claim?

Don't we have an insurance department that will help me if my claim is denied?

I haven't read my insurance policy. I'm not sure of the amount or extent of the loss I had last month, and i'm not even sure if it's covered. Does this bar a claim?

Can I assert a ‘bad faith’ claim on every type of insurance claim that I might present to an insurer?

My insurance company tells me my claim is not covered due to a particular provision in my policy. While it seems to me that the provision in fact covers the loss, isn't the insurance company going to win? Is it any use to fight it?

My spouse has separate coverage and I am not party to that insurance contract. Can I make a claim of bad faith if I am damaged because my spouse was not paid?

How about where the business that I own and operate is the insured. Does the insurer owe me any duty of good faith?

After I filed a claim, the insurance company offered me a settlement. It looks to me like it's a lot less than my actual damages. Do I have to accept it?

I injured somebody in a car accident. The insurance company refused to settle within my policy limits, and the jury awarded damages in excess of my policy limits. Must I pay the excess?

Are there time limits on my stating a claim of bad faith following the denial of my claim?

The insurer has recently told me over the phone that my claim is being denied. What should I do?

My claim was denied and my appeal was denied by the insurance company. What do I do now?

I can't afford to pay a lawyer! How can I fight the insurance company with all their money and high priced attorneys?

If my insurance company denies my claim, do I have any rights?

Does this apply only to certain types of insurance claims?

Do damages for an insurer's bad faith go beyond what I would be entitled to under the contract?

Can I recover these ‘extra-contractual damages’ in every case where benefits have been denied?

In general, what obligation does the insurance company owe to me regarding my claim?

What does the duty of ‘good faith’ involve?

If I think certain words in my policy mean something different from what my insurance company says they mean, how do we resolve it?

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