When an accident happens and a Florida resident has to contact their insurance company about recovering under their policy, that individual may expect prompt service and information that will help them work through the process of becoming whole. While in many cases insurers act reasonably and perform as they should under the agreements that they make with their policy holders, in some situations insurers act with bad faith. Bad faith involves dishonesty and engaging in unfair practices.
An insurer may deliberately delay investigating an insurance claim in order to wait out the period of time in which they would otherwise have to make a determination on paying on the claim. They may perform a sloppy or incomplete investigation due to negligence or to avoid finding the complete facts - this type of dishonesty may constitute bad faith.
Additionally, insurers that fail to notify their policy holders of beneficial information about their insurance products may be guilty of bad faith. As may insurers that lie about or misrepresent laws or policy protocols that may impact their policy holders' rights to make claims of their insurers. Deception and deceit should not have a place in insurance and victims of these and other bad faith actions may have rights.
A person who thinks that their insurer may be acting with bad faith after making a claim should not simply wait for their insurer to act. It can be important to have the matter addressed in a timely fashion and as such individuals in this sometimes difficult position may wish to discuss their concerns with attorneys who represent victims of bad faith insurance claims.