Washington Insurance Bad Faith Attorney
Insurance Coverage Disputes Lawyers in the Seattle Area
Insurance companies have discovered that they can make more money by simply paying out less. Insurance companies will often unreasonably deny or delay payment of benefits, fail to provide coverage or fail to settle a case within the limits of the insurance policy. If this has happened to you, you have likely suffered “insurance bad faith,” and you may need to hire an insurance disputes lawyer that can get you the benefits to which you are entitled.
Washington State Insurance Commissioner
Insurance Industry Puts Profits Before People
Has an insurance company unfairly denied your personal injury claim? Is the insurance company just refusing to pay? It isn't because they don't have the money. Insurance companies are putting profits over people.
The insurance industry is making huge profits. The U.S. insurance industry takes in over $1 trillion in premiums annually.3 It has $3.8 trillion in assets, more than the Gross Domestic Products of all but two countries in the world (United States and Japan).
Over the last 10 years, the property/casualty insurance industry has enjoyed average profits of over $30 billion a year. The life and health side of the insurance industry has averaged another $30 billion.
The CEOs of the top 10 property/casualty insurance companies earned an average $8.9 million in 2007.
FREE Insurance Bad Faith Case Review
If you or a family member has struggled with an insurance claim, Seattle Attorney Chris Davis and the Davis Law Group, P.S. can help you. Having substantial experience with insurance disputes and bad faith claims and trying may of these cases in court, the Davis Law Group has the skill and expertise necessary to help you.
Contact us now for a FREE legal consultation about your insurance dispute or bad faith claim. There is no obligation to hire a lawyer. There is no fee until our attorneys successfully recover fair compensation for you.
The Top Ten Worst Insurance Companies
To identify the worst insurance companies for consumers, researchers at the American Association for Justice (AAJ) undertook a comprehensive investigation. The final list includes companies across a range of different insurance fields, including homeowners and auto insurers,health insurers, life insurers, and disability insurers.
1. Allstate
2. Unum
3. AIG
4. State Farm
5. Conseco
6. WellPoint
7. Farmers
8. UnitedHealth
9. Torchmark
10. Liberty Mutual
Allstate Insurance - Good Hands or Boxing Gloves?
Allstate’s confrontational attitude towards its own policyholders is legendary. Allstate focuses on reducing the amount of money it pays in claims, whether or not they were valid. When it adopted these recommendations, Allstate made a deliberate decision to start putting profits over policyholders.
The company essentially uses a combination of lowball offers and hardball litigation. It routinely offers claimants less than their case is worth. Those that accept the low-balled settlements are treated with “good hands” but may be left with less money than they need to cover medical bills and lost wages. If the claimant rejects the lowball offer and files a lawsuit Allstate will spend more than the claim is worth to fight it it court...to discourage others from filing suit.
Former Allstate adjusters say they were rewarded for keeping claims payments low, even if they had to deceive their customers.
Unum - Low-ball Claims
Unum has a history of denying and delaying claims. Former employees have gone on record saying Unum ordered them to deny claims in order to meet cost-savings goals. In 2005, Unum agreed to a settlement with insurance commissioners from 48 states over their claims-handling practices. Under the agreement, the company agreed to reopen more than 200,000 cases and pay $15 million.
According to a report by the California Department of Insurance, Unum systematically violated state insurance regulations and fraudulently denied or low-balled claims using phony medical reports, policy misrepresentations, and biased investigations.
State Farm - Deny, Delay, Defend
Like Allstate, State Farm used consulting giant McKinsey & Co. The McKinsey concept involves cutting spending on claims payments to boost profits. Agents steeped in the McKinsey way speak of the “three D’s”— deny the claim, delay the payment, and then do anything to defend against a lawsuit.
While State Farm will do anything to fight a claim once it has been taken to court, the company has never been shy about using the courts to its own advantage, even when it has to first stack the deck.
AIG Insurance - Claims Handling Abuse
The world’s biggest insurer, AIG has a long history of claims-handling abuses for both individuals and business clients. AIG has long had a reputation for claims-handling abuses.
Former AIG claims supervisors have alleged in litigation that the company used all manner of tricks to deny or delay claims, including locking checks in a safe until claimants complained, delaying payment of attorney fees until they were a year old, disposing of important correspondence, and routinely fighting claimants for years in court over small mundane claims.
AIG is not alone in using strategies such as deny-delay-defend to enhance its bottom line at their customers’ expense. What sets AIG apart, however, is the way it has so callously sought to take advantage of its policyholders’ misfortunes.
4. “Insurers as Investors,” Insurance Information Institute,http://www.iii.org/economics/investors/intro/.
5. “Industry Financials and Outlook,” Insurance Information Institute(III), http://www.iii.org/media/industry/; “Life Insurance,” InsuranceInformation Institute (III), http://www.iii.org/media/facts/ statsbyissue/life/.
6. “CEOs Rake in Cash but not Stock,” National Underwriter, January 2, 2008.
Law Firm Representing Insurance Dispute Victims - Free Consultations
Call 206-727-4000 now for a FREE legal consultation regarding your insurance coverage dispute case. We have meeting space in Seattle, Bellevue, Mercer Island and Renton to serve accident victims all over Washington State.
Yes, we can arrange to have someone come to you if you are unable to visit one of our offices.

Insurance Claims Abuse Attorneys in the State of Washington
We can help whether you live in Auburn, Bellevue, Bellingham, Bremerton, Cascade, Edmonds, Everett, Federal Way, Kennewick, Kent, Kirkland, Lakewood, Longview, Olympia, Redmond, Renton, Richland, Seattle, Shoreline, Spokane, Tacoma, Vancouver, Yakima or the greater Seattle area. Having substantial experience with insurance claims and often trying these kinds of cases in court, the Davis Law Group has the skill and expertise necessary to help you.
Chris Davis and Davis Law Group has been recognized by the following organizations:
Davis Law Group and attorney Chris Davis has been featured in news reports on these local and national news sources:

Davis Law Group is a member of the following organizations:

2101 Fourth Avenue, Suite 630, Seattle, WA 98121
Phone: (206) 727-4000 Fax: (206) 727-4001
Toll Free: 1-866-595-3565
Blog for Insurance Coverage Disputes
Library for Insurance Coverage Disputes:
- Legal Action Against Unum Insurance Company
Have you been injured in an accident and found yourself up against a major insurance company such as Unum Insurance? Claims representatives at large firms like Unum have been trained to delay and stall the valuation and disbursement of settlement funds. - Legal Action Against Conseco Insurance Company
Have you been injured in an accident and are experiencing resistance from a major insurance company such as Conseco Insurance? - Legal Action Against WellPoint Insurance Company
Have you been injured in an accident in which either you, the at-fault, or both have been insured by WellPoint Insurance. If this is a situation you find yourself in, it is essential that you research past legal cases involving your insurance company if you hope successfully negotiate your own settlement or court case. - Legal Action Against UnitedHealth Insurance Company
Injured in an accident? Policy holder of UnitedHealth Insurance? Insurance companies are notorious for delaying funds and manipulating settlement values. - Legal Action Against Torchmark Insurance
Injured in an accident? Policy holder of Torchmark Insurance? Insurance companies are notorious for delaying funds and manipulating settlement values. - Legal Action Against PEMCO Insurance
Have you found yourself involved in a legal battle with PEMCO Insurance? If you have been forced to take legal action against a major insurance company, it is very important that you research historical litigation and previous cases to help highlight successful legal strategies. - Legal Action Against GEICO Insurance
Have you found yourself involved in a legal battle with GEICO Insurance? If you have been forced to take legal action against a major insurance company, it is very important that you research historical litigation and previous cases to help highlight successful legal strategies. - Legal Action Against American Family Insurance
Have you found yourself involved in a legal battle with American Family Insurance? If you have been forced to take legal action against a major insurance company, it is very important that you research historical litigation and previous cases to help highlight successful legal strategies. - Legal Action Against Liberty Mutual
Have you found yourself involved in a legal battle with Liberty Mutual Insurance? If you have been forced to take legal action against a major insurance company, it is very important that you research historical litigation and previous cases to help highlight successful legal strategies. - Legal Action Against Fidelity Insurance
Have you found yourself involved in a legal battle with Fidelity Insurance? If you have been forced to take legal action against a major insurance company, it is very important that you research historical litigation and previous cases to help highlight successful legal strategies. - Legal Action Against MetLife Insurance
Are you an accident victim trying to deal with MetLife Insurance? Research the insurance company and historical litigation in order to explore successful ways to deal with a settlement or court battle. - Legal Action Against AIG
If you have been involved in an accident where either you or the at-fault has been insured by AIG Insurance, it is very important that you research past legal cases involving the insurance company if you hope to be successful in negotiating your own settlement or court case. - Legal Action Against MassMutual
It can be extremely difficult dealing with major insurance companies such as Farmers Insurance after you've been in a serious accident. If you hope to be successful in negotiating your own settlement or court case, it is imperative that you research historical litigation involving the insurance company. - Legal Action Against Hartford Insurance
If you have recently been in an accident, you are most likely curious about what your legal options are, with specific regards to securing financial compensation for the resulting medical expenses. It is important to research similar cases against your insurance company to identify critical legal strategies implemented by others in the past. - Legal Action Against Enumclaw Insurance
If you have recently been in an accident, you are most likely curious about what your legal options are, with specific regards to securing financial compensation for the resulting medical expenses. It is important to research similar cases against your insurance company to identify critical legal strategies implemented by others in the past. - Legal Action Against Esurance Insurance
If you have recently been in an accident, you are most likely curious about what your legal options are, with specific regards to securing financial compensation for the resulting medical expenses. It is important to research similar cases against your insurance company to identify critical legal strategies implemented by others in the past. - Legal Action Against Nationwide Insurance
If you have been involved in a serious accident in which either yourself or the at-fault has been insured by Nationwide Insurance, it is highly recommended that you research historical litigation involving the insurance company if you hope to be successful in negotiating your own settlement or court case. - Legal Action Against State Farm Insurance
Interested in researching legal action against State Farm Insurance? This article profiles the State Farm Insurance Company and outlines previous legal cases involving the insurance provider. - Legal Action Against Allstate Insurance
If you want to achieve a fair settlement or court outcome, it is important to research how other people and companies have successfully navigated insurance claims and settlements with specific insurance companies, such as Allstate Insurance. - Legal Action Against Progressive Insurance
Interested in researching what legal actions you can take against Progressive Insurance? This article reviews the State Farm Insurance Company and references previous legal cases involving the insurance provider, which you can use to research and build a case of your own.
View All
Frequent Questions for Insurance Coverage Disputes:
Videos about Insurance Coverage Disputes: