Are You a Victim of Insurance Bad Faith in South Georgia?

Has an insurance company wrongfully failed to pay your claim? If so, you might be entitled to pursue legal action and may benefit from contacting our South Georgia personal injury attorneys at Hudson King. For nearly a decade, our team has been dedicated to representing individuals throughout South Georgia who have been mistreated by insurance companies.

Understanding Insurance Bad Faith Claims

Bad Faith Insurance Claims often arise when an insurance company fails to pay a legitimate claim. Unfortunately, this is a common occurrence and includes when insurance companies fail to settle a claim within the policy limits when given the opportunity, deny a legitimate claim, fail to pay the full value of a claim, and take unethical action toward an injured victim. Often, the jury never knows that the reason a case has reached trial is the bad faith actions of the defendant's insurance company.

When an insurance company fails to resolve a claim for its policy limits, it often results in the insurance company becoming responsible not only for damages up to the limits of the policy of its insured but all damages in the case. For example, if an insured has an insurance policy with policy limits of $100,000 and the insurance company, in bad faith, fails to settle the claim for $100,000 when given the opportunity by the plaintiff, the insurance company is then responsible for all damages awarded in the case – even when the total damages are millions of dollars.

The reason for this is that insurance companies are required by law to act in the best interest of their insured – not in the best interest of the insurance company. Without this law, an insured would be responsible all damages in excess of their policy limits – even if the insurance company could have settled the claim in a manner where the insured would not have had to contribute to the settlement at all.

How Hudson King Can Bring Your Claim to Justice

We often find that insurance companies fail to pay legitimate claims that are worth more than the policy limits when given the opportunity to settle for the policy limits. This is especially prevalent in South Georgia cases where insurance companies often take the position that an injury just isn't worth the full compensation that would be due in other areas for the same injury.

In situations where the insurance fails to pay a legitimate claim or otherwise acts in bad faith, we pursue bad faith claims against the insurance company and are no longer limited by the policy limits of the insurance. While a denial of a legitimate claim means that it takes longer for our client to get some justice, it allows many clients to have the opportunity to collect the full value of their claim and not be limited by the often inadequate insurance policy limits that were available. It should be noted that the vast majority of the cases we try before a jury involve this situation where the insurance company has refused an offer to settle the case for policy limits or less.

In addition to bad faith claims as a result of an insurance company's failure to pay claims against an insured, in a car wreck for example, we also pursue bad faith claims against insurance companies for failing to pay claims made by an insured based on their own policies. These claims are often the result of an insurance company failing to pay for a catastrophic property damage loss to an insured's home or business. In these cases, if an insurance company is found to be acting in bad faith, the insurance company can be held responsible for attorney's fees and an additional 50% of the loss. For example, a failure to pay a $100,000 claim could result in a judgment for $150,000 plus attorney's fees.

Team up with a Former Insurance Defense Attorney in South Georgia

Attorney J.L. King, II, one of our firm's founding lawyers, is a former defense lawyer for insurance companies, enabling our team to maintain an insider's perspective of their inner workings. He has an in-depth understanding of the various tactics insurance companies use when trying to cheat personal injury victims out of the compensation they deserve. Attorney King recognizes what motivates insurance companies to provide fair and full compensation after an injury, which allows our team to build the strongest cases possible on our clients' behalves.

Attorney King and Attorney Hudson are two of the most experienced civil trial lawyers under the age of 40 in South Georgia, giving our firm the skills and resources to take on even the most complex cases. We proudly handle most cases on a contingency fee basis, which means that unless we are able to help you recover compensation, you do not owe us anything.

Consult a Winning Team with Proven Results

It can be frustrating to be the victim of insurance bad faith, but you do not have to work through the situation on your own! If you want to set up a case evaluation with one of our South Georgia injury lawyers, be sure to contact our firm today. We're ready to help you pursue the justice and compensation that you deserve.