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Library

Insurance Coverage Disputes & Bad Faith Claims

• Legal Action Against Unum Insurance Company
• Legal Action Against Conseco Insurance Company
• Legal Action Against WellPoint Insurance Company

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Washington Insurance Bad Faith Attorney

Insurance Coverage Disputes Lawyers in the Seattle Area

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 conversation 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

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.

FREE Insurance Dispute Legal Consultation

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.

Blog for Insurance Coverage Disputes & Bad Faith Claims

• Seattle Sidewalk Problems Are Up To The Homeowner

  Description: In Seattle, that will change this month when homeowners with a sidewalk damaged enough to be a tripping hazard find an informational flier attached to their door telling them it's their responsibility — not the city's — to repair it.

• National Pedestrian Crash Report

  Description: The purpose of this technical report is to analyze the latest trends in pedestrian fatalities and police-reported motor vehicle crashes involving a pedestrian in the United States since 1997.

• The Top Ten Worst Insurance Companies - Washington State Insurance Commisioner

  Description: Their final list of the top ten worst insurance companies covers homeowners and auto insurers, health insurers, life insurers, and disability insurers.

• Seattle Woman Fights for her Life and Insurance Coverage l Washington Lawyer
• Insurance Dispute Resources l Washington State l Seattle Attorney
• Important Resources l Washington State Insurance Claims l Seattle Attorney
• Washington State's Insurance Fair Conduct Act - One Year Anniversary l Seattle Personal Injury Attorney
• Insurance Company "Tricks of the Trade" l Seattle Personal Injury & Insurance Claims Attorney
• From Good Hands to Boxing Gloves: How Allstate Has Earned Billions by Shortchanging Policyholders & Claimants
• Contempt order that triggered huge fines against Allstate to be lifted
• Insurance Company Rules - Watch this Video!!
• Insurance Bad Faith: Farmers Insurance bills fire victims $420,000
• Frivolous Lawsuits by Car Insurance Companies
• New Malingerer Pyschological Test Used and Challenged in Personal-Injury Cases
• Allstate Claims Process Explained l Davis Law Group Seattle
• Health Insurer Ordered to Pay $9 Million for Illegally Terminating Benefits
• Insurance Company Alleged to Have Killed Patient for Refusing to Pay for Treatment
• Insurance Companies Seeking Ways to Mitigate the Insurance Fair Conduct Act (Referendum 67)
• Health Plan Sues Accident Victim to Recover Entire Settlement Recovery l Seattle Attorney

Library for Insurance Coverage Disputes & Bad Faith Claims:

• Legal Action Against Torchmark Insurance
  Description: Injured in an accident? Policy holder of Torchmark Insurance? Insurance companies are notorious for delaying funds and manipulating settlement values.
• Legal Action Against UnitedHealth Insurance Company
  Description: Injured in an accident? Policy holder of UnitedHealth Insurance? Insurance companies are notorious for delaying funds and manipulating settlement values.
• Legal Action Against WellPoint Insurance Company
  Description: 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 Conseco Insurance Company
  Description: Have you been injured in an accident and are experiencing resistance from a major insurance company such as Conseco Insurance?
• Legal Action Against Unum Insurance Company
  Description: 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 Liberty Mutual
  Description: 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 American Family Insurance
  Description: 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 GEICO Insurance
  Description: 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 PEMCO Insurance
  Description: 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 Nationwide Insurance
  Description: 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 USAA
  Description: If you have been involved in a serious accident in which either yourself or the at-fault has been insured by USAA 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 Esurance Insurance
  Description: 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
  Description: 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 Hartford Insurance
  Description: 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 MassMutual
  Description: 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 AIG
  Description: 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 MetLife Insurance
  Description: 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 Fidelity Insurance
  Description: 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 Travelers Insurance
  Description: If you are committed to obtaining a just settlement value or court outcome, it is important to actively research various ways other people and companies have implemented that resulted in successfully navigated insurance claims and settlements with specific insurance companies, such as Travelers Insurance.
• Legal Action Against Prudential Insurance
  Description: 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 Prudential Insurance.

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Frequent Questions for Insurance Coverage Disputes & Bad Faith Claims:

• Can I Sue USAA Insurance?
• Can I Sue PEMCO Insurance?
• Can I Sue GEICO Insurance?
• Can I Sue Nationwide Insurance?
• Can I Sue American Family Insurance?
• Can I Sue Liberty Mutual Insurance?
• Can I Sue My Insurance Company?
  
• Can I Sue My Insurance Company?
  
• Can I Sue My Insurance Company?
  
• Can I Sue My Insurance Company?
• If the person who I get into an accident with and I have the same insurance company, is that a good or bad thing?

• If my insurance company denies my claim, do I have any rights?

• What Are Some Examples of Bad Faith Conduct?

• What does the term insurance "bad faith" mean?

Videos about Insurance Coverage Disputes & Bad Faith Claims:

• Anderson Cooper 360 -- Keeping them Honest: Insurance Battle

Web Resources for Insurance Coverage Disputes & Bad Faith Claims:

• AIG Insurance

  Description: Ranked #3 worst insurance company by the American Association for Justice for having a long history of claims-handling abuses for both individuals and business clients. In addition, AIG executives have come under fire for opportunisticly seeking price increases during catastrophes.

• Liberty Mutual

  Description: Ranked #10 worst insurance company by the American Association for Justice after famously hiring consulting giant McKinseey & Co. and adopting deny, delay, and defend tactics. The company has gone even further by indulging in what regulators allege is systematic bid-rigging.

• Torchmark

  Description: Torchmark has preyed upon low-income Southerners for over 100 years. Torchmark is the holding company for a variety of subsidiaries offering low cost burial insurance, cancer, life insurance, and similar policies. In addition, the company has come under fire for a variety of transgressions, most notably charging minority policyholders more than whites.

• UnitedHealth Group

  Description: Ranked #8 worst insurance company by the American Association for Justice for being plagued by accusations that it's greed has endangered patients. Physicians report that reimbursement rates are so low and delayed by the company that patient health is comprised.

• Farmers

  Description: Farmers consistently ranks at or near the bottm of homeowners satisfaction surveys. The company even created an incentive program that offered pizza parties to adjusters who met low payment goals.

• Wellpoint

  Description: Wellpoint has long history of putting its bottom line ahead iof the welfare of its policyholders and their health care providers. Investigations have shown that Wellpoint routinely cancels that policies of pregnant women and chronically ill patients.

• Conseco Insurance

  Description: Conseco typically sells long-term care policies, usually for the elderly. Unfortunately, Conseco uses the deteriorating health of its policyholder to its advantage because the company knows if it waits long enough to pay out claims, its customers will die.

• State Farm Insurance

  Description: Ranked # 4 worst insurance company by the American Association for Justice has become notorious for its deny and delay tactics. In many cases the company has gone to extreme lengths to avoid paying claims, including forging signatures on earthquake waivers the deadly Northridge Earthquake.

• UNUM

  Description: Ranked # 2 worst insurance company by the American Association for Justice for having the reputation for unfairly denying and delaying claims while being one the nation's leading disability insurers.

• Allstate Insurance

  Description: Ranked #1 worst insurance company by American Association for Justice. "The company that publicly touts it's 'good hands' approach privately instructs agents to emply a hardball 'boxing gloves' strategy against its own policy holders."

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