Dealing with insurance companies is exhausting. When you’re facing a Tulsa Bad Faith Insurance dispute, the frustration only grows, Insurers often use wrongful denial tactics to undervalue or reject valid claims, especially when you need protection and financial security the most.
You need an experienced Tulsa insurance claim attorney to fight back when your claim is wrongfully denied. At Aizenman Law Group, our insurance claim lawyers have extensive experience in handling bad faith insurance cases.
We’ve been on the other side defending insurance companies, so we have insider knowledge of their tactics. If you’ve been victimized by wrong denial, our insurance claim lawyers will leverage our knowledge to pursue the compensation you deserve.
Aizenman Law Group Defends Your Rights Against Wrongful Claim Denials
The insurance claim attorneys at Aizenman Law Group have built a strong reputation as Tulsa’s most trusted law firm for bad faith insurance claims. Our attorneys know the tactics insurance companies use to deny claims, and we routinely put our skills to the test on behalf of our clients, from fierce negotiations to length trials.
When you choose Aizenman Law Group, you choose top-notch care and individualized attention centered on your goals.
- No win, no fee: We will never collect payment upfront from our personal injury clients. Unless our legal team gets you paid, you’ll never owe us anything. We know you’re dealing with enough and won’t add to the financial distress caused by wrongful denial.
- Always at your service: You can reach our firm 24/7/365 for your convenience. Aizenman Law Group offers flexible scheduling. We will always treat your case as a top priority and will go the extra mile to help you when needed.
- Former defense attorneys: Our team’s many years of experience as former defense attorneys give us invaluable insight into insurance companies and how they use wrongful denial. We won’t let it happen to you.
Whether an insurer has delayed, underpaid, or outright denied your claim, our team will work tirelessly to recover the compensation you deserve. We’ll guide you through the complex process, with the support and advice you need to see your claim through until the end.
Understanding Insurance Bad Faith and Wrongful Claim Denial
Insurance companies must handle and pay out claims fairly and in timely manner. Unfortunately, this is rarely the case. Insurance providers typically refuse to explain their duties and responsibilities in these situations.
Insurance providers can act in bad faith, leverage wrongful denial, delay payments, or fail to conduct proper investigations. They exist to make a profit and will do so at your expense if you allow it.
As experienced Tulsa personal injury attorneys, we are all too familiar with wrongful denial insurance practices and the disastrous consequences they can have on policyholders and injured victims.
Oklahoma Law and Wrongful Denial of Insurance Claims
In Oklahoma, the law recognizes that insurance companies have a duty of good faith and fair dealing with their policyholders. If an insurer fails to fulfill this obligation and engages in bad faith practices, the policyholder or injured party may file a lawsuit to seek compensation for their damages.
Under Oklahoma law, if an insurer acts in bad faith, the policyholder or injured party may recover compensation including the original benefits due under the policy and any consequential damages. These include financial losses caused by the insurer’s wrongful denial or delay and emotional distress.
In some instances, involving particularly egregious insurer conduct, the court may award punitive damages to punish the insurer and deter such conduct. Our personal injury lawyers will fight to get ever cent you are owed due to bad-faith wrongful denial.
Deadlines for Pursuing a Wrongful Denial of Insurance Claim
Your insurance company may pressure you to make decisions on the spot or make you think you have a much smaller deadline to act than you do.
Typically, the law gives you two years from the wrongful act to file suit. We recommend consulting our insurance claim lawyers as soon as possible following a wrong denial. While you should never accept the insurance company’s first offer, waiting too long could mean missing your chance to take legal action.
Our lawyers understand how the specifics of your case will affect your claim’s viability and will never pressure you to decide without explaining all the necessary facts.
At Aizenman Law Group, our bad faith insurance attorneys are well-versed in Oklahoma insurance law. We work diligently to explain our clients’ rights, navigate the legal process, and pursue the compensation they deserve. If you believe you have a bad-faith insurance claim, we invite you to contact our bad faith insurance attorneys in Tulsa for a free consultation.
What Constitutes a Wrongful Denial of Insurance Claims?
At the end of the day, insurance companies are businesses interested in maintaining their financial assets. While they must act in good faith and fulfill the promises made in their policies, their bottom-line interests lead to wrongful denial insurance tactics that diminish the value of legitimate claims.
Common Tactics Used by Insurance Companies
An insurance company can wrongfully deny a claim in many scenarios:
- Denying a claim without a valid reason: The insurance company may claim that you failed to complete specific steps, failed to present all necessary information, or missed deadlines that it never fully disclosed to you. Here, the insurer denies your claim outright without a valid reason, often hoping you won’t take legal action.
- Failure to promptly investigate a claim: The insurance company must deliver notice of denials within a specific deadline, expediently investigate claims, and attempt to resolve claims on time
- Incorrectly interpreting policy language to deny a claim: Sometimes, an insurer may misinterpret the language in your policy to benefit them, even if that misinterpretation violates legal standards or industry norms. Our personal injury lawyers will cut through the noise and challenge their interpretation.
- Devaluation of claims: Insurance adjusters tasked with assessing the value of a claim and its damages; however, these companies and their representatives often actively look for ways to diminish a claim’s value, including using your own evidence and statements against you.
- Lowballing: In this case, the insurance company offers you significantly less than you deserve. While taking fast cash is tempting, you may be leaving hundreds of thousands on the table by accepting the insurance company’s first offer.
- Failure to communicate: An insurer may neglect to respond to your inquiries or give you the information you need about your claim. This lack of communication can create uncertainty and stress, making the claims process more challenging.
We work diligently to ensure insurance companies fulfill their obligations and treat our clients fairly. If you believe your claim was wrongfully denied, our Tulsa bad faith insurance claim attorneys will fight to uphold your rights.
Types of Wrongfully Denied Insurance Claims
Bad faith insurance practices can occur across various types of insurance.
Whether it’s auto, homeowners, health, or life insurance, you need a lawyer who understands how bad faith can manifest in each area.
- Auto insurance: Bad faith practices after a car accident may involve an insurer denying a legitimate claim for vehicle damage or bodily injury, delaying claim processing, or offering less than the actual repair costs or medical expenses.
- Homeowners insurance: In homeowners insurance, bad faith can occur when an insurer denies a valid claim for property damage, often due to natural disasters, fires, or theft. Our insurance fire claim attorneys and insurance roof claim lawyers understand how to maximize your homeowner’s insurance claims.
- Health insurance: With health insurance, an insurer may wrongfully deny a claim for necessary medical procedures or treatments, often citing them as experimental or not medically necessary. Delays in claim processing can also damage the policyholder’s health.
- Life insurance: In life insurance, bad faith can involve an insurer denying a claim following the policyholder’s death, often on the grounds of misrepresentation or suicide clauses, even when these do not apply. Delays in payout can place undue financial stress on the deceased’s beneficiaries.
Our personal injury attorneys have vast experience dealing with a wide range of bad faith claims and understand the unique challenges that each one can present. We recognize that no matter what type of wrongful denial or bad faith action you face, you have much at stake. Acting swiftly and diligently could make a profound difference in your and your loved ones’ future. Our insurance claim lawyers are prepared to advocate fiercely on your behalf.
The Impact of Bad Faith Insurance on Policyholders
An unfairly denied or delayed insurance claim can leave significant financial and emotional impacts on policyholders that extend well past the original event or incident.
Understanding these impacts can underscore the importance of pursuing a bad faith insurance claim with the help of our personal injury lawyers.
- Financial impact: The immediate consequence of a wrongfully denied or delayed claim is often sheer financial strain. When an insurer fails to fulfill its obligation, policyholders shoulder the burden. This includes medical expenses, property damage repair costs, or lost income. Severe cases may force policyholders into debt or bankruptcy. Or they may feel that they cannot get the medical care they need, fearing that a claim denial will prevent them from obtaining follow-up surgeries, medications, or home modifications needed to recover.
- Emotional and psychological stress: Besides financial distress, bad faith insurance practices can lead to significant emotional and psychological stress. Dealing with an accident or injury is difficult, without an insurance dispute. Policyholders may experience anxiety, depression, or stress-related health issues because of their dealings with the insurance company. Our insurance claim attorneys fully account for these non-economic losses in your claim.
- Erosion of trust: Bad faith practices can also lead to an erosion of trust in insurance providers. Our personal injury attorneys can explain your current coverage and how your claim may affect your insurance benefits.
At Aizenman Law Group, we understand the financial and emotional turmoil of wrongful denial and bad faith insurance tactics. Our experienced Tulsa insurance claim attorneys will alleviate these burdens and, fight for your deserved compensation. If you believe your insurer has acted in bad faith, we encourage you to contact us for a consultation.
Our Approach to Wrongful Denial Insurance Cases
At Aizenman Law Group, we understand the stress caused by an insurance company that fails to fulfill its obligations. We thoroughly review each case, investigating the details of the claim denial and gathering the necessary evidence to support your case.
We are well-versed in the intricacies of insurance law and have the skills and resources to compete with large insurance companies. Our team works diligently to ensure that the system treats our clients fairly and pays the compensation they deserve.
Contact a Tulsa Bad Faith Insurance Attorney Today
If you’ve been victimized by wrongful denial don’t hesitate to contact Aizenman Law Group. Our experienced bad faith insurance attorneys in Tulsa, Oklahoma, are ready to challenge the insurance company’s decision and take all legal action necessary to help you recover. Reach out to a Tulsa personal injury lawyer.
When you work with an Aizenman Law Group insurance claim attorney, you pay no fees unless we obtain compensation for your case. Let our law firm be your trusted partner in challenging wrongful denial and securing the justice you deserve.
