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A common tactic used by insurance companies is to provide low-ball settlement offers to desperate policyholders. Although it can be tempting when you’re in crisis, it’s important you don’t accept any suspicious settlement offers without legal representation. Insurers intentionally offer low settlements so they can refuse to provide any coverage later. Often insurance companies are well aware of what an appropriate settlement offer should be, and if they offer less it’s intentional. At Ward Ruddock we take pride in recovering every cent that's owed to you under your policy.

Insurers have an obligation to policyholders that they will provide services in a timely manner. Sadly, this isn’t always the case. Insurance companies may go through exhaustive measures to delay a claim for an extended period of time. They may dodge phone calls, ignore emails, have elongated processing times and fail to give clear instructions on what they require to file the claim. Insurance companies who intentionally delay claims aren’t following the rules outlined. Let us help you with your case.

Insurance companies are required to settle claims in good faith or acting under all circumstances in a fair and honest manner. If an insurance company intentionally uses deception and other dishonest means to settle or deny a claim, then it’s considered to be an act in bad faith. Insurers can act in bad faith in various ways and it can vary based on the situation. Some examples include making payments without a statement setting forth coverage, refusing to insure for discriminatory reasons.