Insurance Disputes FAQ

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 Bottaro Law today for a free case review.

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Case Results

  • $1,500,000.00

    $1,500,000.00 Pre-Trial Settlement: Our client was a passenger in a ride share vehicle that slammed into a truck, causing life altering cervical fractures amongst other injuries. This case involved numerous experts and overcoming a challenging seat belt defense.

  • $1,200,000.00

    $1,200,000.00 Settlement: In this product liability case, our young client lost her eye due to a defective air bag. We acted fast to preserve the evidence and retain top experts who tested the vehicle. The result was settlement with national counsel for a major auto manufacturer.

  • $1,000,000.00

    $1,000,000.00 Pre-Trial Settlement: Our client was struck as a pedestrian by a commercial vehicle on a job site resulting in multiple fractures and emergency surgeries. We helped establish life altering pelvic fractures with a loss in earning capacity.

  • $660,000.00

    $660,000.00 Pre-Trial Motorcycle Crash Settlement: When the insurance company denied the claim outright ($0), Mike litigated this case through discovery, engaging renowned experts in the fields of accident reconstruction and physical medicine.

  • $600,000.00

    $600,000.00 Commercial Truck Crash Settlement: When a truck driver dropped steel beams form his load onto Rte. 10, the resulting crash caused our client to suffer multi-level disc injury resulting in emergency cervical surgery.

  • $650,000.00

    $650,000.00 Pre-Trial RI Slip and Fall Settlement: Regional market failed to correct a leaky roof and entranceway, causing our client to sustain a devestating knee injury. Mike litigated this case through discovery over the course of severla years.

  • $500,000.00

    $500,000.00 Rhode Island Nursing Home Abuse Pre-Trial Settlement: Insurer offers $0 pre-litigation. Mike litigates the case working with several experts to prove deviation in standard of care resulting in client who suffered amputations from complications after a nursing home injury.

  • $500,000.00

    $500,000.00 Massachusetts Wrongful Death Car Accident Policy Limit Settlement: The insurer originally denied the claim and had serious questions about whether the collision ultimately caused the death months later of an elderly gentleman.

  • $500,000.00

    $500,000.00 Policy Limit Settlement: In this homeowner policy limit insurance case, a handyman’s negligence cost our client his loss of eye. Our legal research on agency law carried the day.

  • $325,000.00

    $325,000.00 Settlement Following Arbitration: Our North Kingstown, RI client was injured in a bike accident, fracturing his patella and requiring emergency surgery. We worked with experts, including a life care planner to ensure our client received fair compensation.

  • $1,200,000.00

    Auto products liability case involving airbag deployment resulting in loss of vision in one eye and facial fractures.

  • $660,000.00

    A 61-year-old man underwent emergency surgery and a knee replacement procedure due to injuries sustained in a serious motorcycle accident.

  • $650,000.00

    A pre-trial settlement was reached for our client who suffered a knee injury requiring multiple surgeries.

  • $600,000.00

    Our client suffered multi-level disc injury when steel I-beams fell from a commercial truck on Route 10 resulting in multiple cervical surgeries.

  • $500,000.00

    Personal Injury Attorney Mike Bottaro helps client who suffered amputations from complications after a nursing home injury.

  • $500,000.00

    This case involved an elderly couple and their granddaughter who were injured after a car turned left in front of their vehicle. The injuries for the woman involved a fractured neck, broken ribs, and an eventual stroke. The man suffered from various injuries from which he never recovered, resulting in his untimely death.

  • $325,000.00

    This case involved deviations in the standard of care involving pressure ulcers resulting in death.

  • $325,000.00

    Our North Kingstown, RI, client was injured in a bike accident, fracturing his patella and requiring emergency surgery. We worked with experts, including a life care planner to ensure our client received fair compensation.

More Case Results