Seattle Personal Injury Attorney | Russell & Hill, PLLC Seattle Law Firm
Russell & Hill, PLLC, is comprised of a team of top-rated Seattle personal injury attorneys who offer outstanding legal representation to help you win or settle your case at affordable attorney fees that will NOT break the bank.
Russell & Hill, PLLC 206-880-7703 800-529-0842
206-880-7703 2150 N 107th St, Suite 440 Seattle, WA98133
425-728-7467 3811-A Broadway Everett, WA98201
360-209-7031 9414 State Ave, Suite E Marysville, WA98270
509-204-9701 1212 North Washington St, Suite 132 Spokane, WA99201
Free consultation
800-529-0842 206-880-7703

We Are Local

  • Airway Heights
  • Arlington
  • Auburn
  • Bellevue
  • Bothell
  • Bremerton
  • Burien
  • Cheney
  • Coeur d’Alene
  • Colfax
  • Deer Park
  • Edmonds
  • Everett
  • Federal Way
  • Kenmore
  • Kent
  • King County
  • Kirkland
  • Lake Stevens
  • Liberty Lake
  • Lynnwood
  • Marysville
  • Medical Lake
  • Mill Creek
  • Monroe
  • Moses Lake
  • Mountlake Terrace
  • Mt. Vernon
  • Mukilteo
  • Pierce County
  • Portland
  • Pullman
  • Redmond
  • Renton
  • Seattle
  • Shoreline
  • Snohomish
  • Spokane
  • Spokane Valley
  • Sultan
  • Tacoma
  • Vancouver
  • Washington
  • Wenatchee
Everett Spokane Seattle

The insurance industry is highly regulated, and that’s a good thing, since it doesn’t always operate like it’s required to under law—as evidenced by the many insurance bad faith claims that make their way through the courts each year. By law, insurance companies and the people that represent them—including claims adjusters and negotiators—are required to act in good faith toward not just their own policyholders, but also toward any third-party claimants against policyholders. Simply put, their dealings with the people they serve, including customers and people suing their customers, must be fair and honest. If they fall short of this standard while investigating a claim or even in negotiating a settlement for a claim, then they may find themselves on the receiving end of a lawsuit. If you believe an insurer has acted in bad faith, consult with our Tacoma insurance bad faith attorney to determine what legal remedies are available to you.

In Washington, insurers are bound by the Equal Consideration test. This means that an insurance company cannot put its own interests above the interests of the insured. If a claim is denied, there must be a valid and specific reason why.

What is a bad faith tactic?

In the broad sense of the phrase, bad faith simply means unfair or dishonest dealings. Some of the tactics used by insurance companies (usually in an effort to reduce payouts to claimants), include:

  • Denying a valid claim without a valid reason
  • Failing to deny or affirm coverage within a reasonable period of time
  • Failing to promptly investigate claims
  • Ignoring communications regarding a valid claim
  • Making an unconscionably lowball offer that doesn’t support the facts in the claim
  • Misrepresenting the language of a policy
  • Purposely misinterpreting the law to insured or claimants
  • Reducing an award without a valid reason
  • Refusing to provide an explanation for denying a claim
  • Requiring overly complicated requests for claim documentation
  • The use of rude, abuse or intimidating communications
  • Withholding payment without reason

What recourse do you have with insurance bad faith actions?

The first thing that you should do if you believe that an insurance company is not being honest and fair with you is contact an attorney. Your attorney can advise you of your legal rights as an insured or claimant and can point you toward the next steps you need to take in order to hold the insurance company accountable for their bad faith. This will likely include filing a report with the Washington State Office of the Insurance Commissioner. This will trigger an investigation, and oftentimes the insurance company will face a steep fine or other penalty as a result.

You can also file an insurance bad faith claim to recoup your own losses due to the bad faith action of the insurance company. If your insurance company fails to act in a reasonable manner in processing your claim, investigating your claim, or making payment for your claim, you have the grounds for a lawsuit. Contact our Tacoma insurance bad faith attorney to discuss the legal avenues that may apply in your situation.

Click To Call