Insurance Bad Faith

Free Case Evaluation
100% Secure and Confidential
check
Google Rated

Our attorneys handle complex insurance matters

Insurance companies have a legal obligation to treat their insureds fairly and to act in good faith when handling claims. They don’t always do. Instead, even when an insurance company is presented a legitimate claim they sometimes investigate as if their insured has done something wrong. You paid you premiums all those years, yet they may look for reasons not to pay.

What is insurance bad faith and what can an insured recover?

Insurance bad faith in North Carolina involves a breach of the insurance agreement with some other tortious conduct. North Carolina courts have interpreted insurance bad faith to mean that the insurance company did not have an honest disagreement about the applicability of a policy or an innocent mistake occurred in the handling of a claim. When damages occur to an insured resulting from insurance bad faith, they may be entitled to three times the actual damages incurred as a form of punishment to the insurance carrier.

What duties does the insurance company owe its insured?

Insurance companies may expose themselves to a bad faith claim when they fail to look after their insured the way they should. For example, when an insured is sued, the insurance company has a duty to settle the case if they can do so within the policy limits. Insurance claims handlers play a dangerous game when they put their insured at risk by failing to settle a case and instead force a trial in an attempt to save the insurance company money. When a judgment occurs that exceeds policy limits and the insurance company did not settle a case they could have, the insured might have a bad faith claim against the insurer.

Insurance companies also owe a duty to their insured to not misrepresent coverage. People have a right to expect the insurance company to cover what they say they’ll cover. Misrepresentations by an insurance agent or broker can result in a big problem for the insured that bought a policy with the understanding they’d be covered.

Contact the North Carolina insurance bad faith attorneys at Horton & Mendez to see whether you may have a claim against your insurance company. We also help individuals in the insurance claims process and can provide insight into the way insurance companies operate.

Get Help With Your Case

24/7 call availability and support

Click or Call now

Free Case Evaluation
100% Secure and Confidential
check

Awards & Recognitions

Nationally Recognized, Locally Focused

Free Case Evaluation

Learn the Value of your Injury Case

Available 24/7
horton and mendez mini image

Learn the Value of your Injury Case

Available 24/7

"*" indicates required fields

This field is for validation purposes and should be left unchanged.

Recent Wins

We’ve recovered millions for our clients. No amount of money can undo a life changing injury. Our mission is to make sure you don’t suffer financially.
$8,000,000

Trucking Collision

Distracted driving that resulted in orthopedic injuries.

$3,000,000

Burn Injury

Judgment in severe third degree burn injury case.

$1,150,000

Confidential Settlement

$600,000

Bike Accident

Cyclist struck by underinsured motorist.

$600,000

Rear End Collision

Rear end collision that resulted in our client suffering a back injury that required surgery.

$500,000

Dog bite settlement

Minor bit in the face by a dog.

$350,000

Trucking Collision

Commercial trucking accident off highway 40.

$300,000

Auto Accident.

Head-on Collision at intersection.

Free Case Evaluation
100% Secure and Confidential
check
More Wins
Free Case Evaluation
100% Secure and Confidential
check
More Wins

"*" indicates required fields

This field is for validation purposes and should be left unchanged.
100% Secure and Confidential
check