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What Is Misrepresentation in Insurance?
Were you recently denied after you filed a claim for insurance benefits? Was the denial supposedly based on the terms of your policy when you were certain this was an area in which you should have been covered? It’s possible that someone at the insurance company misrepresented your policy.
Misrepresentation when dealing with an insurance company can occur in a number of ways. When the insurer misrepresents the details of the policy you’re being sold or the claim you have filed, it is acting in bad faith, opening the door for you to pursue a bad faith insurance claim to recover the benefits you are entitled to.
False Information from an Agent
Your purchase of an insurance policy demonstrates that you understand that you need to protect yourself in the case of an accident. However, the specifics of your insurance policy aren’t always easy to understand. How much coverage do you really need? Does your premium cover everything you asked for? Were all of the policy’s exclusions properly explained?
If your insurer misled you into purchasing unnecessary provisions that raised your rates but ultimately failed to protect you in the case of an emergency, it could have misrepresented the terms of your policy.
Misrepresentation by an Adjuster
When you file a claim for benefits in an emergency situation, insurers never have your best interests in mind. Their ultimate goal is to pay out as little as possible in order to serve their profit margins. This dishonest environment often leads to deliberate deceit by insurance adjusters.
They may issue a denial stating that your policy doesn’t cover the damages you’ve incurred, when in truth, it does; or they may make you an absurdly low settlement offer written in complex jargon meant to confuse you into accepting a lower amount than your premium should cover. In any case, misrepresentation by an adjuster is a case of bad faith and should never go unpunished.
Get in Touch with a California Bad Faith Insurance Lawyer
If you believe you’ve been given misleading information by your insurer, get in touch with a California bad faith insurance lawyer at Haffner Law. Our qualified attorneys have the experience you need to handle an insurance company that has acted in bad faith.
To schedule your no-obligation consultation today, simply fill out our contact form at the bottom of this page or give us a call at 1-844-HAFFNER (423-3637).