When insurance companies unreasonably deny, delay, or underpay valid claims, they may be acting in bad faith. At The Law Office of Sean Bostic-Sealy P.L.LC, our experienced insurance bad faith attorneys fight against unfair insurance practices and help clients recover the compensation they deserve, plus additional damages for the insurance company's wrongful conduct.
Understanding Insurance Bad Faith
Insurance companies have a legal duty to act in good faith when handling claims. Bad faith occurs when insurers:
- Unreasonably deny valid claims
- Delay claim investigations or payments
- Make lowball settlement offers
- Misrepresent policy provisions
- Fail to properly investigate claims
- Refuse to defend policyholders
- Withhold policy benefits
- Cancel policies without justification
- Fail to communicate claim status
- Engage in deceptive practices
Types of Bad Faith Claims We Handle
Our attorneys handle bad faith claims involving:
- Auto insurance
- Homeowner's insurance
- Health insurance
- Life insurance
- Disability insurance
- Property insurance
- Business insurance
- Professional liability insurance
- Long-term care insurance
- Umbrella policies
- Workers' compensation insurance
Common Bad Faith Tactics
We expose insurance company tactics such as:
- Denying claims without investigation
- Misinterpreting policy language
- Using biased experts
- Ignoring evidence supporting claims
- Making unreasonable demands for proof
- Failing to explain claim denials
- Threatening policyholders
- Refusing to negotiate fairly
- Creating unnecessary delays
- Retroactively canceling policies
Available Compensation
In bad faith cases, we pursue:
- Full payment of original claim
- Interest on delayed payments
- Emotional distress damages
- Attorney fees and costs
- Consequential damages
- Punitive damages when appropriate
- Statutory penalties
- Additional compensation under state law
Our Strategic Approach
Our experienced team:
- Reviews policy terms and exclusions
- Documents all communication with insurers
- Gathers supporting evidence
- Works with industry experts
- Calculates all available damages
- Negotiates with insurance companies
- Prepares cases for trial when necessary
Why Choose Our Firm
Our insurance bad faith attorneys offer:
- Extensive experience fighting insurance companies
- Deep understanding of insurance law and regulations
- Resources to take on major insurers
- No fees unless we win your case
- Personalized attention to every client
Protecting Your Rights
Insurance companies have teams of lawyers protecting their interests. Level the playing field with experienced legal representation. We understand insurance company tactics and know how to counter them effectively.
Documentation is Critical
Keep detailed records of:
- All communication with insurers
- Claim submissions and responses
- Proof of loss documents
- Adjuster reports
- Damage estimates
- Policy documents
- Payment records
- Denial letters
Free Case Evaluation
If you believe your insurance company has acted in bad faith, contact The Law Office of Sean Bostic-Sealy for a free, confidential consultation. Our experienced insurance bad faith attorneys will review your case and explain your legal options.
Call 832-519-0054 or 203-539-6990 today to speak with an attorney who will fight to hold your insurance company accountable and secure the compensation you deserve.
Licensed to Practice Law in Alabama, Connecticut & Texas
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