Birmingham Insurance Fraud Bad Faith
When you’re dealing with loss, the last thing you need is for your insurance company to turn against you. Yet sometimes policyholders experience delayed payments, lowball offers, or outright denials that have nothing to do with facts, and everything to do with profit. If your insurer isn’t honoring the coverage you paid for, you may be facing insurance fraud or bad faith. Our Birmingham, AL insurance fraud bad faith lawyers are here to stand up to powerful insurance companies and demand the fair treatment you’re owed. Reach out to Marsh | Rickard | Bryan, LLC and tell us your story.
Insurance Fraud, Bad Faith — Birmingham, AL
Insurance companies have a legal duty to act honestly, fairly, and promptly when handling your claim. When they fail to meet these obligations, by delaying payment without reason, denying a valid claim, or acting in their own interest rather than yours, it may rise to the level of insurance fraud or bad faith. This is considered a serious violation of the trust policyholders place in their insurer and gives you the right to pursue compensation that can go beyond the original value of your claim.
Bad faith can take many forms, including:
- Unreasonable delays in processing or paying your claim
- Denying a valid claim without justification
- Putting their own interests above those of their insured
- Offering unfairly low settlements
- Misrepresenting policy terms
- Failing to investigate your claim properly
- Pressuring you to accept less than what your policy promises
Whether your case involves auto insurance, homeowners insurance, business coverage, medical claims, or other forms of protection, our insurance fraud bad faith attorneys know how to uncover what went wrong and why. We may conduct a detailed review of your policy, the insurer’s actions, and the evidence surrounding your claim in an effort to hold the company accountable.
When insurance fraud or bad faith is proven, you may be entitled to compensation that includes:
- The full value of your original claim
- Additional damages caused by the insurer’s misconduct
- Emotional distress
- Punitive damages in certain cases
Your insurer has a team protecting its bottom line; you deserve a team protecting you.
Why Experience Matters In Insurance Fraud & Bad Faith Claims
Taking on an insurance company is never simple. These cases require a combination of strategic litigation, knowledge of industry practices, and persistence. We bring decades of skill and determination to every client’s case. Our team offers:
- Attorneys recognized for excellence in complicated litigation and bad faith insurance matters.
- A history of standing up to major national insurers with successful outcomes.
- Thorough investigations that expose bad faith tactics insurers try to hide.
“I have the utmost respect for Rip Andrews and the lawyers at MRB Law. They took a case that others would have stayed clear of because the issue of state immunity was involved. Through determination and unwavering commitment they were able to find resolution to an extremely difficult matter.” – Nancy Owen
Insurance companies rely on policyholders giving up. We don’t. If you believe your claim was mishandled, ignored, or unfairly denied, it’s time to get the answers and accountability you deserve. Reach out to Marsh | Rickard | Bryan, LLC and tell us your story.
Protecting You When The Insurance Company Refuses To Pay
Insurance companies are required to act in good faith toward their insured. This means insurance companies are obligated to pay for claims covered by policies. When an insurance company fails to pay a valid claim, or even fails to investigate the claim in a timely and proper manner, the conduct can be considered bad faith.
At Marsh, Rickard & Bryan, in Birmingham, Alabama, our experienced lawyers represent insured individuals throughout the state, protecting their rights in insurance matters. If you have suffered a loss and were treated unfairly by your insurance company, contact our firm to discuss your legal options.
Holding Insurance Companies To Account
As a firm known for its success in litigation matters, Marsh, Rickard & Bryan, works to hold insurance companies accountable for bad faith and fraudulent actions. Representing both individuals and small businesses, we pursue claims arising under a comprehensive list of policy types, including:
- Homeowner
- Automobile
- Medical
- Health
- Disability
- Commercial general liability
- Directors and officers liability
- Errors and omissions/professional liability
Our experienced attorneys handle negotiations and litigation when insurance companies have denied claims, delayed paying claims or provided unfair settlements of claims. We have been particularly active in bringing claims against Unum-Provident on behalf of physicians who were denied disability insurance coverage.
If you or your business has been negatively impacted by insurance fraud or bad faith, trust the trial attorneys at Marsh, Rickard & Bryan, to fight for you. Contact our firm to put our experienced team and technology to work for you.
Types Of Insurance Fraud & Bad Faith Cases We Handle
Insurance policies are meant to provide financial protection when something goes wrong. When an insurer delays, denies, or mishandles a valid claim, the impact can be serious for individuals and businesses alike. Our Alabama Insurance Fraud & Bad Faith firm represents policyholders, helping them pursue fair treatment and accountability when insurers fail to uphold their obligations. We focus on clear communication, careful review of policy language, and practical legal strategies that align with our clients’ goals.
Wrongful Claim Denials
One of the most common issues we see involves insurers denying claims that should be covered under the policy. These denials may rely on selective interpretations of policy language, unsupported exclusions, or shifting explanations that change over time. We handle Alabama Insurance Fraud & Bad Faith cases where insurers refuse to pay despite timely notice, proper documentation, and compliance with all stated requirements. Our work includes reviewing denial letters, policy provisions, and claim files to identify improper conduct.
Delayed Payment Of Benefits
Unreasonable delays can place policyholders under financial pressure, especially after property damage, accidents, or major losses. Insurers may request repeated documentation, extend investigations without cause, or fail to respond altogether. We represent clients facing prolonged delays that go beyond what is reasonable under the policy or applicable law. These Alabama Insurance Fraud & Bad Faith cases often involve showing that the delay served no valid purpose other than postponing payment.
Underpayment And Low Settlement Offers
Some insurers acknowledge coverage but offer far less than the claim’s actual value. This may occur through undervaluing property damage, minimizing repair costs, or ignoring supporting evidence. We handle bad faith matters involving partial payments and low settlement offers that do not reflect the true scope of the loss. Our skilled approach includes working with financial records, estimates, and other documentation to show the gap between what was paid and what was owed.
Misrepresentation Of Policy Terms
Insurance fraud and bad faith can also arise when insurers misstate or distort policy provisions. This may involve telling policyholders certain coverage does not exist when it does, applying exclusions incorrectly, or providing misleading explanations during the claims process. Our legal professionals represent clients who relied on inaccurate statements from insurers and were harmed as a result. These cases often focus on written correspondence, recorded communications, and policy language.
Failure To Conduct A Proper Investigation
Insurers are required to investigate claims fairly and thoroughly. Problems arise when investigations are rushed, one-sided, or based on incomplete information. We handle cases where insurers ignore relevant evidence, fail to interview key witnesses, or rely on biased evaluations. Demonstrating a lack of reasonable investigation is often central to establishing bad faith conduct.
Contact Us Today
Insurance fraud and bad faith cases require careful attention to detail and a steady, methodical approach. At Marsh | Rickard | Bryan, LLC, our goal is to help policyholders pursue the benefits they paid for and to hold insurers accountable when they fail to act fairly. Our award-winning team can attest to the importance of standing up to improper insurance practices. If you believe your claim has been mishandled, delayed, or unfairly denied, we invite you to contact us for a free consultation to discuss your situation and learn how we may be able to assist.
