All insurance companies are obligated to refrain from acting in bad faith. Insurance companies that act in bad faith can be sued and held accountable. In order to prevail against an insurance company for a bad faith refusal to pay, you must be able to prove the following facts by a preponderance of the evidence:

1. The existence of an insurance contract between you and the insurance company;
2. That the insurance company intended to refuse to pay your claim;
3. That the insurance company had no reasonably legitimate reason for the denial; and
4. That the insurer knew there was no reasonably legitimate reason for denial or intentionally failed to investigate your claim.

If you had a valid policy with your insurance company and it failed to comply with its legal requirements, you may be entitled to money damages. Cole and Hodges always appreciate the opportunity to sue an insurance company that has behaved in an unfair and illegal fashion. If an insurance company has collected your premiums but refuses to protect you when they should, we may be able to help.

IF YOU OR SOMEONE YOU KNOW WAS A VICTIM OF INSURANCE BAD FAITH AND MISCONDUCT, CONTACT COLE AND HODGES ONLINE OR CALL US AT (888) 539-3110 TO SET UP A FREE CONSULTATION TO DISCUSS YOUR OPTIONS.