Every accident is different, but the actual claims process is always the same. You either file an insurance claim or a lawsuit, then get financial support for your injuries and other losses. But during this process, you’ll hear a lot of different terms that can get confusing. That’s where our team at Kaufman & Stigger, PLLC can step in and explain things. Set up a free consultation today.
What Does “Bad Faith Claim” Mean in a Kentucky Personal Injury Case?
Insurance companies are required under Kentucky law to act in good faith—meaning they have to handle your claim honestly, promptly, and reasonably. When they don’t, you can file what’s called a “bad faith claim” against them. It’s a:
- Separate claim you can file against the insurance company itself when they don’t treat you fairly.
Usually, this happens when they:
- Takes way too long to process your claim without a good reason
- Denies your claim even though you clearly qualify
- Overlooks or dismisses important evidence that supports your case
- Doesn’t properly investigate what actually happened
- Offers far less money than your claim is really worth
- Tries to pressure you into accepting a quick, lowball settlement
In other words, it’s not just that the insurance company is being difficult—it’s that they’re violating their legal duty to treat you fairly. This can open the door to additional damages, including penalties meant to hold the insurance company accountable for their actions.
Should I Get a Lawyer For a “Bad Faith” Claim in Kentucky?
Dealing with an injury is hard enough. When your insurance company drags its feet, denies your claim without a good reason, or tries to lowball you, it can feel overwhelming and frustrating. In Kentucky–like everywhere else–insurance companies are supposed to treat you fairly.
Unfortunately, not every company follows the rules, especially if you have a strong claim that’s backed by solid information and evidence. Still, you might face a situation where an insurance company acts in bad faith, and that’s when our Kentucky personal injury lawyers at Kaufman & Stigger, PLLC can help you by:
- Spotting bad-faith tactics. We know what fair treatment looks like, and we can tell quickly if an insurance company is delaying, denying, or undervaluing your claim.
- Getting the payment you should. We gather medical records, repair estimates, and other evidence to show the full impact of your injuries.
- Negotiating a better settlement. We handle the calls and emails so you’re not pressured into taking less than you should.
- Filing a lawsuit if needed. If the insurance company refuses to treat you fairly, we can file a lawsuit and hold them accountable in court.
Insurance shouldn’t make your recovery harder. If you feel like your claim isn’t being handled fairly, we’ll stand with you and make sure your voice is heard. Set up a free consultation today to talk through your options.
