Insurance Class Action Attorneys

Do you have an insurance-based claim?

Insurance companies market their services based on the premise that if you purchase their insurance, they will be there to help you in the event of an emergency. And when you pay your premiums in good faith, you rightfully expect to be compensated fairly and quickly when catastrophe strikes.

The reality, however, is that some insurance companies seek to protect their bottom lines by financially exploiting customers in the billing process and limiting or denying claim payments based on questionable loopholes. Our Philadelphia consumer class action attorneys at Golomb Legal have helped policyholders from Pennsylvania, New Jersey, and across the nation hold insurance companies accountable for unfair practices and recover financial compensation.

Types of Insurance-Based Lawsuits

Whether tacking frivolous fees onto your premium or denying a claim based on dubious reasoning, insurance companies often employ the same methods to generate revenue from or minimize payouts to multiple customers. When an insurance company treats numerous consumers unfairly, a class action lawsuit may be the best option for holding the insurance provider responsible and recovering compensation for victims.

Class action lawsuits against insurance agencies commonly focus on:

• Bad faith
• Failure to provide coverage
• Unfair insurance charges
• Illusory coverages
• Breach of insurance contract
• Improper offsets and claims practices

Our team of attorneys has extensive knowledge of insurance law, and our firm has recovered millions of dollars in verdicts and settlements from some of the country's largest insurance agencies.

Insurance Bad Faith

If your insurance provider has unnecessarily delayed your claim or denied what you believe is a legitimate claim based on your policy, the company may be in violation of its contractual obligations to you and considered to be acting in bad faith.

Examples of insurance bad faith include:

• Denial of a claim without sufficient explanation
• Excessive delay of a claim judgment or payment
• Failure to provide an adequate claim settlement offer
• Failure to thoroughly investigate a claim

If your insurance company has used these tactics to prevent you from receiving the compensation you deserve, it is likely that the insurance provider has done the same to other customers, and it is advisable to consult with an experienced consumer class action attorney to evaluate your situation and, if necessary, further investigate your claim.

Failure to Provide Coverage

Insurance companies often interpret their own policies in order to minimize payments for legitimate claims and seek out loopholes to deny otherwise rightful claims. This may include denying liability on ambiguous grounds or loosely construing exclusions.

Devious insurance agency procedures can contribute to systematic underpayments, increasing insurance company profits while leaving consumers without an adequate safety net.

Unfair Insurance Charges

Some insurance rate increases are clearly explained and justified, but insurance companies occasionally raise premiums unfairly or tack on fees with the expectation that customers will pay them without question.

A number of consumer class action lawsuits against insurance providers have targeted unjust rate hikes, baseless fees and discriminatory billing practices.