Insurance Bad Faith

Kentucky insurance lawyer Steve Frederick routinely represents individuals against insurance companies who refuse to pay claims or make low ball offers.

In Kentucky, when presented with a claim, an insurance company has a duty to fairly evaluate the claim.  This is true whether under homeowners, automobile, disability or any other type of insurance.

Unfortunately, insurance companies often aren't fair to the claimant (the person making a claim).  They sometimes make an unreasonably low offer (a low ball offer) or without a reason to do so, deny the claim outright.  When something like this happens in Kentucky, and an insurance company fails to fairly evaluate a claim made for payment, they may be sued for “bad faith”.

In order to prevail in a "bad faith" lawsuit, the claimant must prove a reckless disregard for the claimant’s rights on the part of the insurance company.

As mentioned above, there are several scenarios wherein insurance bad faith occurs:  injury claims, claims for health insurance, short or long term disability and property damage claims to name a few.

In addition, the Kentucky legislature established The Kentucky Unfair Claims Settlement Practices Act.  The act can be viewed free online: http://www.lrc.state.ky.us/KRS/304-12/230.PDF


Call us at 866-KYTRIAL or contact us online to discuss whether or not the insurance company has acted with "bad faith" in your insurance claim.

Kentucky Injury Law Blog - Kentucky Insurance Law/Bad Faith