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We all pay insurance premiums. We purchase insurance to protect us from liability claims, to cover us in the event we are injured, to pay us back in the event our property is damaged or stolen, and to provide long term care or disability payments if we become disabled. By the same token, we expect to be treated fairly, and we expect that our interests would be placed before those of any insurer when a loss occurs.

Insurers are obligated to investigate claims fairly and promptly, and they are supposed to protect our interests in the event we are sued or suffer a catastrophic loss. Often times, however, insurers place their own interests before those of the rest of us, with devastating results. If you have suffered a loss, if you have been sued and were not defended by your insurer, or if you have made a claim and the company that is insuring your vehicle fails to properly adjust the claim or pay the claim in a timely manner, you may have been the victim of insurance company bad faith. Thus, it is important to contact our Arizona insurance dispute lawyers to protect your interest immediately.

Skilled Arizona Insurance Dispute Lawyers

At the Law Office of Jeffery J. Hernandez, we have extensive experience handling legal matters involving insurance claims and bad faith. Jeffery J. Hernandez worked as property and casualty insurance adjuster for years prior to opening this law firm. He handled cases involving personal injury, property damage, thefts, vandalism, and many other causes. As a former claims adjuster, Mr. Hernandez has inside knowledge on how claims are handled and how they should be handled. He knows what to look for to determine when a claim is being properly handled or when it is not. This experience gives Mr. Hernandez uncommon insight into the mechanisms in place throughout the claims handling process, and he can put this experience to work for you.

Bad Faith Examples

An insurance company may be engaging in bad faith if it does the following:

• You are involved in an accident. Your car is totaled. You have collision coverage on your car, but the company that insures your vehicle drags its feet and does not inspect your vehicle in a timely manner or tender a fair market value offer to you to cover your loss, thus forcing you to accept less than what you deserve and causing you financial harm.
• A claim is made against you, and the company that insures your vehicle fails to properly defend your interests, instead placing their interests before your own. Then a judgment is rendered against you in excess of your insurance coverage. Now you have to come out of pocket to pay the claims. If your insurer had an opportunity to settle the claim within policy limits but instead left you exposed to a potential excess verdict, your insurer likely committed an act which constitutes bad faith.
• You make a claim on an insurance policy and the company that insures your vehicle fails to pay a legitimate claim, fails to properly and/or timely evaluate the claim, “low-balls” you on the value of your claim, or fails to provide the coverage you paid for. If one or more of these things happen to you, your insurer may have engaged in bad faith claims handling.

Filing claims can be difficult and frustrating. You are pitted against multi-billion dollar insurers which use every resource available to minimize the value of your claims while maximizing their profits. Because of Mr. Hernandez’s unique background as a former claims adjuster, our firm has the skill and experience to evaluate claims of insurance bad faith, negotiate on your behalf and litigate bad faith claims against insurers. Having Mr. Hernandez on your side during a dispute with your insurer can prove to be very beneficial.

Contact our Scottsdale, Arizona Insurance Dispute Lawyers

If you believe that your insurance company has engaged in bad faith conduct, please contact the Scottsdale, Arizona Insurance Dispute Lawyers at the Law Office of Jeffery J. Hernandez for a free initial consultation. We can be reached by phone at (480) 269-8929, by e-mail, or by filling out the intake form on our Contact Us page.