Claim Denial and Coverage Disputes
South Carolina Insurance Bad Faith Attorneys
Is your insurer giving you the runaround? There is a difference between defendable policy interpretations and denying valid claims on technicalities. You paid the premiums in good faith, and they should honor the policy in the same spirit.
If your insurance carrier is flatly refusing to pay on a claim without appeal or review, or you feel you were defrauded by an insurance agent, contact our Charleston office for a free case evaluation. We will negotiate on your behalf to resolve the coverage dispute, or determine if you have grounds for an insurance bad faith lawsuit. We serve clients in the Tri-County area and neighboring counties of South Carolina.
Fighting for the Rights of Insurance Policy Holders
We have represented clients in all types of insurance disputes and litigation:
- Homeowner insurance (fire loss, property damage, injury)
- Auto accident liability
- Uninsured motorist/underinsured motorist
- Life insurance
- Long-term disability insurance (ERISA or private)
- Long-term care insurance (nursing home)
- Umbrella policies
Insurance Bad Faith
Scenario #1 — You paid the premiums for five years, but your insurer is now rejecting your claim against the policy, saying you misrepresented facts on your application. They can't do that. The insurance company has a two-year window to rescind coverage. We can fight to make them pay the claim.
Scenario #2 — You were at fault for an accident and have $100,000 in coverage. Your insurer refuses a settlement offer for the policy limits. At trial, a jury awards the plaintiff $250,000, leaving you are personally liable for the excess verdict. You can sue your insurance company for bad faith denial for exposing you to the risk when they could have settled the case.
Scenario # 3 — Your insurance agent sold you "full coverage" fire insurance. After a fire guts your home, you are told by an adjuster that your policy does not cover replacement cost of your possessions. You can sue under negligent procurement for the agent's bad advice or misrepresentation.
If we are successful in proving bad faith denial, the insurer must pay the disputed claim or excess verdict and your attorney fees. Punitive damages may also be awarded for egregious conduct or a pattern of claim rejections.
Bring your insurance dispute to us for a free case evaluation. We will give you an honest assessment of whether the insurance company is within its rights or taking advantage of you. Call 843-277-9824 or contact us online.
