Insurance Claims and Bad Faith
As a Montana accident and personal injury lawyer, I spend a large portion of my time battling insurance companies to provide my seriously injured clients the justice and compensation they deserve. In my practice in Billings, I sometimes see insurance companies deny or minimize claims to deserving injured parties; however, if you are battling these insurance companies on your own, the deck is certainly stacked against you.
Improper denials of insurance coverage, refusal to pay related medical bills in a timely manner, failure to pay lost wages or out-of-pocket expenses, and refusal to make a reasonable effort to settle a claim are just some of tactics that insurance companies employ to minimize their risk and exposure and lessen your settlement. These tactics, however, can be the result of unfair dealing, otherwise known as bad faith, where an insurance company is attempting to deny or delay payment to an injured party.
Montana Unfair Trade Practices Act (UTPA)
In Montana, the legislature adopted the Unfair Trade Practices Act (UTPA) to try to prevent insurance bad faith and to provide a mechanism for an aggrieved insurance consumer to file a lawsuit against the insurance company for its bad faith behavior. There is a separate lawsuit for this type of insurance claim handling, called a bad faith or UTPA claim. Montana insurance company bad faith is certainly not uncommon, and is a type of insurance abuse that is not limited to Billings, Montana, and the surrounding communities.
If you feel that an insurance company is denying, delaying, or minimizing your personal injury accident claim without reason or just cause, contact Holm Law Firm, PLLC, where car accident attorney Eric Holm is here to help individuals in your position. I will provide you with the answers you need and inform you of your options, including whether or not a lawsuit should be filed. Contact us today at (406) 252-2900 for a free consultation.