A truck driver’s Freightliner truck was destroyed in a fire. The insurance company ignored an independent appraisal and instead utilized insurance industry driven computer software to evaluate the claim which resulted in a low ball offer of less than half of the true value of the truck. A lawsuit for breach of contract and bad faith was filed against the insurance company. Intensive discovery uncovered facts that the insurance company failed to follow its own claim handling guidelines, delayed the claim to pressure the driver to settle, and engaged in a systemic pattern and practice of failing to pay taxes and registration fees on first-party total loss claims. A confidential settlement was reached at mediation.

A husband and wife discovered mold after water leaked into their RV and incurred medical bills for the wife’s treatment of mold related injuries. Their insurance company used an unreasonably restrictive interpretation of the insurance policy to manufacture a dispute to avoid paying the legitimate claim. The RV owners sued the insurance company for breach of contract and bad faith. A six figure settlement was reached two months prior to trial.

For nearly 20 years, a husband and wife both had separate life insurance policies for which they paid premiums using a single monthly automatic withdrawal from their bank account. When they moved and changed banks, they notified the life insurance company of their new bank and believed that the life insurance company continued the monthly withdrawals for both policies from the new bank. After the husband died, the widow filed a life insurance claim. The life insurance company refused to pay claiming that it had only changed the monthly withdrawal for the wife’s policy and that the husband’s policy had lapsed for non-payment. A lawsuit for breach of contract and bad faith was filed against the life insurance company. The case settled early in litigation for a confidential amount.

A cancer patient who paid premiums on a cancer treatment insurance policy for 25 years was stonewalled after she developed breast cancer and filed a claim on her policy. The insurance company delayed payment and initially refused to pay for all bills associated with radiation treatment. Without filing a lawsuit, I convinced the company to make full payment due under the insurance policy which included more than $30,000 in additional benefits the company had intended to withhold from its insured.