Insurance Bad Faith:

What It Means, What to Watch For, and How a Lawyer Can Help

When you buy insurance—whether for your home, car, health, or life—you’re paying for peace of mind. You expect your insurance company to hold up its end of the bargain when something goes wrong. But what happens when your insurer unfairly denies your claim, delays payment, or offers far less than you’re owed?

You may be the victim of insurance bad faith, and you may have the legal right to fight back.

At Ginsburg Law Group, PC, we help policyholders hold insurance companies accountable when they don’t play fair. If your insurer isn’t honoring your claim, you don’t have to accept it—and you don’t have to face them alone.

🛡️ What Is Insurance Bad Faith?

Insurance bad faith occurs when an insurance company fails to act honestly and fairly toward its policyholders. In Pennsylvania and many other states, insurers have a legal duty to:

• Investigate claims thoroughly

• Make decisions promptly

• Pay legitimate claims fairly and without unreasonable delay

• Communicate clearly and truthfully with the insured

When they violate these duties—through delay, denial, or deception—they may be acting in bad faith, and the law allows you to seek additional compensation beyond your original claim.

🚨 Common Examples of Bad Faith

You may have a bad faith claim if your insurer:

• Unreasonably delays investigating or paying your claim

• Denies your claim without giving a valid explanation

• Offers an unreasonably low settlement that doesn’t reflect the actual value of your loss

• Fails to investigate your claim thoroughly or promptly

• Ignores evidence you submitted that supports your claim

• Refuses to defend you in a lawsuit covered by your policy

• Misrepresents your policy coverage or terms

• Cancels your policy after you make a legitimate claim

📋 Types of Insurance Bad Faith Claims We Handle

At Ginsburg Law Group, PC, we help clients across a wide range of insurance disputes, including:

• Auto insurance claims (property damage, medical benefits, underinsured/uninsured motorist claims)

• Homeowners and property claims (fire, storm, theft, water damage, vandalism)

• Health insurance claims (coverage denials, delayed treatments, out-of-network refusals)

• Life insurance and accidental death claims

• Disability insurance denials

• Business interruption insurance disputes

⚖️ How We Help in a Bad Faith Insurance Case

We understand how frustrating and overwhelming it is when your insurer seems to be working against you instead of with you. Our role is to level the playing field and fight for what you’re legally owed.

✅ Step 1: Policy Review and Case Evaluation

We start by reviewing your insurance policy, correspondence with the insurer, and the claim file to determine whether bad faith occurred.

✅ Step 2: Demand Letter

If the insurer acted unfairly, we send a detailed bad faith demand letter outlining their violations and giving them a chance to correct their conduct.

✅ Step 3: Negotiation

Often, insurers will settle once they realize you have legal representation. We negotiate aggressively to secure the full value of your claim plus damages for the bad faith conduct.

✅ Step 4: Filing a Lawsuit

If the insurance company refuses to act in good faith, we file a bad faith lawsuit in court. In Pennsylvania, you may be entitled to:

• The full value of your claim

• Interest and penalties

• Punitive damages (to punish egregious conduct)

• Attorney’s fees and legal costs

We prepare every case as if it’s going to trial—but many cases settle favorably before then.

🏛️ The Legal Process for Insurance Bad Faith Claims

Here’s how a typical case proceeds:

1. Initial Consultation
   We evaluate your case and help you understand your rights and options.

2. Policy and Claim Review
   We analyze your policy and insurer’s behavior to determine whether bad faith occurred.

3. Pre-Litigation Demand
   We issue a formal demand to the insurer asking them to resolve the matter fairly.

4. Filing the Lawsuit
   If the insurer doesn’t respond appropriately, we file suit in state or federal court.

5. Discovery
   We obtain internal communications, adjuster notes, claim evaluations, and more to prove bad faith.

6. Settlement or Trial
   Many cases resolve through settlement or mediation. If not, we go to trial and fight for full compensation.

💼 Why Choose Ginsburg Law Group, PC?

• ✅ Focused on protecting consumers and policyholders—not insurance companies

• ✅ Experienced in Pennsylvania bad faith litigation

• ✅ Hands-on, personalized representation from start to finish

• ✅ No upfront legal fees—we don’t get paid unless you recover compensation

🧭 You Paid Your Premiums. Now It’s Time They Paid What’s Fair.

You shouldn’t have to fight your insurance company when you’re already dealing with a loss. If your claim was denied, delayed, or lowballed, it may not just be unfair—it may be illegal.

Let us help you hold them accountable and get the compensation you deserve.

📞 Call Ginsburg Law Group, PC today for a free consultation – 855-978-6564!