NYC Bad Faith Insurance Attorney
Holding insurance companies accountable for unfair claim practices
Experienced Bad Faith Insurance Representation
You pay insurance premiums expecting coverage when you need it. When insurance companies unreasonably deny valid claims, delay payments, or force unnecessary litigation, they're acting in bad faith and violating their obligations to policyholders.
Insurance companies are profit-driven and often prioritize their bottom line over fair treatment of policyholders. They employ tactics like denying claims without investigation, offering lowball settlements, and dragging out the process hoping you'll give up or accept less than you deserve.
Gammons Injury and Malpractice Lawyers, P.C. fights insurance bad faith. We know insurer tactics, understand policy language, and aren't intimidated by insurance company lawyers. We pursue compensation for denied benefits plus additional damages for bad faith conduct.
Common Bad Faith Practices
Claim Denials
Denying legitimate claims without proper investigation or reasonable basis
Unreasonable Delays
Dragging out claims process, failing to respond, missing deadlines
Lowball Offers
Offering settlements far below actual claim value hoping you'll accept
Misrepresenting Coverage
Falsely claiming exclusions apply or policy doesn't cover the loss
Failure to Investigate
Denying claims without conducting fair, thorough investigations
Forcing Litigation
Forcing valid claims into court rather than paying legitimate benefits
Types of Bad Faith Insurance Claims
We handle bad faith claims across all insurance types:
Auto insurance claims (PIP, UM/UIM)
Homeowner's insurance claims
Health insurance claim denials
Disability insurance claims
Life insurance claim denials
Commercial insurance disputes
Liability coverage denials
Property damage claims
Business interruption claims
Umbrella policy disputes
Regardless of the insurance type, insurers have a duty of good faith. When they breach that duty through unreasonable claim handling, they can be held liable for damages beyond the policy limits.
Why Choose Gammons Injury and Malpractice Lawyers, P.C.?
We Know Insurance Tactics
We understand how insurance companies operate and the tactics they use to minimize payouts
Policy Language Expertise
We analyze complex policy language to prove coverage and hold insurers to their contractual obligations
Additional Damages
Bad faith claims allow recovery beyond policy limits—consequential damages, attorney's fees, and punitive damages
No Upfront Fees
We work on contingency—you pay nothing unless we recover compensation for you
Frequently Asked Questions
What is insurance bad faith?
Insurance bad faith occurs when your own insurance company unreasonably denies, delays, or undervalues your legitimate claim. Insurers have a duty to act in good faith, conduct fair investigations, and pay valid claims promptly. Violating this duty is bad faith.
What are examples of bad faith insurance practices?
Common bad faith practices include denying claims without proper investigation, delaying payment unreasonably, misrepresenting policy terms, failing to communicate, offering unreasonably low settlements, forcing unnecessary litigation, and refusing to defend you in liability claims covered by your policy.
Can I sue my insurance company for bad faith?
Yes. New York law allows policyholders to sue their insurers for bad faith. If successful, you can recover not only the policy benefits owed, but also consequential damages, attorney's fees, and potentially punitive damages to punish egregious conduct.
What should I do if my claim was denied?
Don't accept the denial without consulting an attorney. Insurance companies often deny valid claims hoping you'll give up. We review denial letters, policy language, and claim files to determine if the denial was legitimate or bad faith. Many denials can be successfully challenged.
What damages can I recover in a bad faith insurance case?
Beyond the policy benefits owed, you may recover consequential damages (financial losses caused by the denial or delay), attorney's fees and litigation costs, interest on delayed payments, and in cases of particularly egregious conduct, punitive damages designed to punish the insurer and deter future misconduct.
Insurance Company Denied Your Claim?
Don't accept unfair treatment. Contact us for a free consultation about your bad faith insurance claim. Available Available 24/7.