Insurance Bad Faith – recover $$ from your insurer for dropping you

An insurance company owes its insured a duty of acting in good faith and fair dealing.  In other words, the insurer must act reasonably in processing and paying your insurance claims.  This contractual relation is why you pay your insurer steep monthly insurance premiums – to be covered in times of need.

In South Carolina, an insurance company dropped a young man from its policy when it learned that he was HIV positive.  The young man sued, and the South Carolina Supreme Court found in favor of the young man, awarding both compensatory and punitive damages (something we don’t have in Washington State).

In Washington State, if your insurance company is stalling and denying reasonable claims for payment under your insurance policy – your first stop for recourse is the Office of the Insurance Commissioner.  You should also talk with us about about your additional options.

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