Insurance Bad Faith Lawyer in Geneva
Helping You Recover the Full Compensation Your Claim Deserves
If you are injured, you often rely on your insurance company to pay for your expenses, per your insurance coverage. After all, you have paid your monthly premiums. However, sometimes insurance companies do not do the best they can to manage your costs. They can deny your claims or even negotiate poorly on your behalf. In these cases, you may be entitled to compensation from your insurance company for bad faith.
At O’Brien Law, LLC, we are dedicated to advocating for our clients’ rights with reluctant insurance adjustors. Having previously worked to defend insurance companies, our Geneva insurance bad faith attorney has insight into the counteractions that can combat your insurer’s resistance.
Understanding Insurance Bad Faith in Geneva
Under Illinois law, an insurer has a duty to act in good faith and fair dealing to an insured when the recovery may exceed insurance policy limits. In an insurance policy, the insurer typically reserves the right to settle claims made under the policy and to conduct settlement negotiations.
When there is an opportunity to settle a claim within the insured’s policy limits, an insurer must give the interests of the insured equal consideration with its own interests. A failure to do so would be bad faith.
The duty of an insurance carrier to settle a claim occurs when a third party makes a claim against the insured, and there is:
- A reasonable probability of recovery in excess of policy limits
- A reasonable probability that the court will find the insured liable for the claim
If an insurer wrongfully refuses to settle a claim for its policy limits, and you obtain a verdict in excess of those policy limits, then you can pursue the insurer for bad faith to make them cover even those amounts of the verdict that exceed the insurer’s coverage limits. There are several steps that must be taken before all of this can happen. However, pursuing a claim for bad faith can potentially reap larger rewards to the plaintiff, increasing your possible compensation amounts.
Representation for Clients Denied an Insurance Claim
At O’Brien Law, LLC, our team has decades of experience working directly with insurance companies to resolve bad faith issues quickly and with the compensation our clients deserve.
Our personal injury lawyer represents clients who have been denied insurance claims for:
- Medical expenses
- Emergency treatment
- Rehabilitation costs
- Property damage
If your insurance company has made an unreasonable delay in investigating your claim, delayed paying out your claim, or not explained a claim denial, get in touch with O’Brien Law, LLC immediately. When you work with our Geneva insurance bad faith lawyer, we can fight to ensure you receive everything you deserve.
Get representation from a skilled personal injury attorney who is on your side by calling (630) 480-4130. Proudly serving Geneva, St. Charles, Batavia, and the surrounding areas.
Why Choose Us?
At O’Brien Law, LLC, we will always work hard on your behalf. Our firm is small, but our legal team has the resources and experience we need to represent you. When you choose us, you can expect caring, helpful, and empathetic service. You can also benefit from the competitive edge our legal professionals have from their past experience as an insurance lawyer and administrator.
With insight into both sides of the courtroom, we can maximize your chances of winning your case.
Don’t hesitate. Get started today with a call to (630) 480-4130 and a free consultation!