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Insurance Coverage Dispute Attorneys

Lawsuits Against Insurance Companies For Unfair Settlement Practices & Coverage Disputes

unfair settlement offer from insurance company

Has an insurance company unfairly denied your personal injury claim?   Is the insurance company trying to say that you are partially at fault for an accident that was caused by their client (who caused an incident in which you were injured)?  Is the insurance company just refusing to pay?  Did the insurance company tell you NOT to hire an attorney?

It isn't because the insurance company doesn't have money to pay claims.  Insurance companies are putting profits over people.

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 been a victim of “insurance bad faith,” and you may need to hire an insurance disputes lawyer that can get you the benefits to which you are entitled.

Insurance Bad Faith Attorneys

We represent injury victims against insurance companies that refuse to pay the full value of their claim or have denied the claim.  We help our clients obtain a settlement or verdict that is fair and reasonable, so they are fully reimbursed for their losses.

Davis Law Group, P.S. founder Chris Davis is one of the most respected and recognized civil litigation lawyers practicing in Washington State.  Davis Law Group has been named Best Injury Law Firm in Washington State by AI Dispute Resolution Awards

Davis Law Group’s reputation for being tough and tenacious when defending the legal rights of injury victims against unethical insurance company claims practices has earned it the distinction of being named the Most Feared Personal Injury Litigators in the Pacific Northwest by the Legal Elite Awards..

If you or a loved one has been seriously injured in an accident in Washington State contact attorney Chris Davis and the team at Davis Law Group at 206-727-4000 to schedule your free legal consultation.

Unfair Claims Handling: Disputed Liability

In order to reduce the amount they must pay to settle an accident claim, insurance companies will often claim that their insured is not at fault for the accident or only partially at-fault.  If there is a liablity dispute about who was at fault in a car accident case, you will need to gather evidence to prove who was actually at fault. This includes police reports, accident scene photos, witness statements, expert opinions, etc.  This can be difficult to do months or years after the accident.  An experience attorney will have an investigation team that can quickly begin to collect evidence. 

Unfair Claims Handling: Low-Ball Settlement Offers

Many insurance companies choose to save money by making unfair, extremely small settlement offers to claimants.  Insurance companies will make low-ball offers to their own policyholders as well---even though they have been paying premiums for years.  If you have received a lowball settlement offer, you have two options. You can accept the offer and move on.  Or you can hire an attorney to fight the insurance company.

Insurance Industry Puts Profits Before People

The insurance industry is making huge profits.  The U.S. insurance industry takes in over $1 trillion in premiums annually. The industry also has an estimated $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.

Unsurance: The Ugly Truth about Unethical Business Practices in the U.S. Insurance Industry

In an effort to expose and better explain the unethical business practices that plague the U.S. insurance industry, attorney Chris Davis wrote Unsurance: The Ugly Truth about Unethical Business Practices in the U.S. Insurance Industry.  This report highlights some of the disturbing business strategies employed by these companies.

"I wrote Unsurance because there is no such thing as a 'good neighbor' who is 'on your side' with 'good hands' holding an 'umbrella' that will keep you and your pet gecko dry when mayhem strikes. Unfortunately, you'll have to take 'responsibility' for yourself—which also means that you may have to hire a lawyer. I think that people deserve to know the truth about the insurance industry and how it works."   - Chris Davis, Attorney at Law

Click here to download a FREE pdf copy of this report.

Most Popular Auto Insurance Companies in Washington State

According to the State of Washington Office of Insurance Commissioner's office these are the 10 largest auto insurance companies in Washington State (by market share).

  1. State Farm 13.1%
  2. Farmers 9.6%
  3. Safeco 6.3%
  4. Pemco 4.0%
  5. Geico 3.5%
  6. Allstate 3.4%
  7. USAA 3.0%
  8. Allstate (Property & Casualty) 2.6%
  9. Progressive 2.5%
  10. Mutual of Enumclaw 2.4%

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 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.

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 they can 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.

GEICO Insurance - Unethical Claims Handling Practices

GEICO Insurance has faced numerous individual and class action lawsuits alleging unfair claims handling pratices which include:

  • Deliberately and fraudulently portraying drivers as responsible for accidents caused by their insured.
  • Assigning drivers to a high-risk status to keep customers from switching to other insurance carriers (which may not accept “high-risk” drivers).
  • Using software that reduces claim values or denies claims without any reasonable basis or justification.
  • Doesn’t make reasonable payment for medical treatment, but instead automatically sets a maximum payout at 80% of the medical bills.
  • Automatically denying claims for certain types of medical treatment if that treatment takes place eight weeks after the date of incident.

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.

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.

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