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mike bottaro insurance dispute attorney

Rhode Island Insurance Dispute Lawyers

Your insurance policy is bound by legal rights that protect you from unfair denials or minimal payouts. Unfortunately, insurance companies are in the business of making money—which often means they’ll try as hard as possible to minimize your compensation, delay your payout, or even deny your claim altogether. This can most likely result in a number insurance disputes.

At the Bottaro Law Firm, LLC, our lawyers help people in Rhode Island and Massachusetts facing insurance company disputes. If you believe your insurance claim was wrongfully denied or handled unfairly, don’t give up. Contact a knowledgeable insurance dispute attorney today at (401) 777-7777 today, and let us help you get the money you deserve.

Insurance Bad Faith Practices

Your insurance policy is a contract, and you uphold your end by paying your premiums on time. Your insurance company should do the same by processing your claim in good faith and in line with your policy. Insurance bad faith happens when your insurance company fails to uphold their end of the contract in ways such as:

  • Attempting to settle for substantially less than the amount to which you are entitled under your policy
  • Delaying, discounting, or denying a claim without a reasonable basis for doing so
  • Failing to acknowledge or respond to a claim for coverage
  • Failing to conduct an appropriate investigation
  • Failing to conduct a prompt, reasonable, and thorough appraisal
  • Failing to deny or pay a claim within a reasonable amount of time
  • Misrepresenting the terms of your policy
  • Refusing to disclose pertinent information
  • Using harassment, intimidation, or other improper means in an effort to prevent you from pursuing a valid claim

These bad-faith practices are used regardless of your policy type. The Bottaro Law Firm, LLC has experience handling a variety of policy claims including auto, home, fire, and commercial general liability. If you’re dealing with an insurance dispute, call us today.

We Help You Fight Back In Your Insurance Disputes

It’s not fair for insurance companies to take advantage of you, and we’re ready to help you fight back. The insurance dispute attorneys at the Bottaro Law Firm, LLC want work on your behalf to help you get the settlement you deserve, and with our No Fee Guarantee®, you won’t pay us anything unless we get money for you. Don’t wait to get started. Call us 24/7 at (401) 777-7777, or fill out our free consultation form now.

Insurance Disputes FAQ

As an insurance policyholder, you pay your premiums expecting your coverage to be there when your family needs it. Unfortunately, some insurance companies base their actions upon profits rather than fulfilling their contracts. If you believe your insurance company is acting in bad faith, read our insurance disputes FAQ to learn more about the steps you can take to get the money you deserve.

Insurance Disputes

Do insurance companies really try to “lowball” accident victims?

Yes. In fact, they do it all the time. Insurance companies only pay claims when they have a contractual obligation to do so. Your insurance policy is a contract outlining specific conditions that must be met in order for your insurer to compensate a claim. Unfortunately, insurance companies don’t always hold up their end of the contract. They regularly deny valid claims and offer minimal compensation when far greater compensation is owed under the terms of a policy.

Can I file a bad-faith claim against my own insurance company?

Yes. If your insurance company has engaged in any of the bad-faith practices listed above, you can file this type of “first party” insurance dispute.

Can I file a bad-faith claim against someone else’s insurance company?

Yes. If someone else’s insurance company fails to process your claim against them in good faith, you will most likely need to file a “third party” bad-faith claim in order to protect your rights.

Why should I hire a personal injury lawyer to deal with my insurance company?

If your insurance company isn’t treating you fairly, you need someone to help protect your legal rights. Because most accident claims are resolved through insurance settlements, personal injury lawyers deal with insurance companies all the time. We know how to negotiate effectively with insurance companies, and how to distinguish between good- and bad-faith delays and denials.

What can I expect to get out of my insurance dispute?

When you file a claim for insurance bad faith, you can expect your insurance company to comply—whether voluntarily or by court order. You may also be entitled to compensation above the original value of your claim. In both Massachusetts and Rhode Island, the law provides for additional remedies, which may include compensation for attorneys’ fees and punitive damages.

How do I know when it’s time to file a bad-faith claim against an insurance company?

If you’ve been injured or suffered property losses, it can be difficult to tell if what you’re experiencing is just part of the process or if it qualifies as bad faith. If you think something is wrong, it probably is. The best thing you can do is speak with an experienced attorney. Contact the Bottaro Law Firm, LLC today for a free case review.