Insurance Bad Faith Claims

As long as the policyholder meets his obligations and pays his premiums, his insurance company is obligated to pay legitimate claims for coverage, provide an adequate legal defense in the face of a lawsuit, and cover the resulting settlement or verdict within policy limits.  Unfortunately, insurance companies will often seek to avoid upholding their end of the bargain.  Like other businesses, insurance companies will purposefully ignore contract terms in favor of increasing their bottom lines.


If an insurance company is avoiding paying a legitimate claim or providing a defense, the policyholder may pursue an insurance bad faith claim.  Sometimes despite having an opportunity to do so, insurance companies will refuse to settle within the policyholder’s coverage limits.  If a jury awards a verdict in excess of the policy limits, there may be a valid bad faith claim against the insurance company.  Finally, you may have a claim if you believe your insurance company has improperly denied a valid life, disability, or liability insurance claim.


At Cooper Sevillano, we deal with insurance companies in every area of our practice. With a former insurance defense attorney on our team, we truly understand how insurance companies work which makes us better able to evaluate your claim.  If you believe you may have a bad faith claim against your insurance company, please don’t hesitate to call us for a free, no obligation, confidential consultation at (203) 366-0660 or email us at


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