Insurance Claims Attorney

St. Louis Personal Injury Insurance Bad Faith Claims

Insurance companies make billions of dollars in profits each year. They profit on levels comparable to large oil and gas corporations. Insurance companies don't profit by paying out substantial compensation for personal injury claims. To the contrary, insurance claims adjusters are trained to minimize, deny, and defend personal injury cases for compensation. Claims adjusters know that injury victims are unfamiliar with Missouri law and the types of compensation that a victim is legally entitled to.

Insurance bad faith claims are filed each day in Missouri. The unfair practices of insurance adjusters result in an injury victim becoming victimized for the second time. However, what actually happens is that when bad faith claims practices occur, the claims adjuster is actually harming the negligent driver. To illustrate, take for example the facts of an actual case:

Client is injured in serious car accident and incurs almost $34,000 in medical bills. The negligent driver is insured by ABC insurance company and our St. Louis personal injury lawyers file an injury claim against ABC insurance company due to the negligent driving of its customer. We demand $100,000 from ABC, who admits that the policy limits of insurance they have for the negligent driver is $100,000. Despite ABC having access to pay the $100,000 to compensate our seriously injured client, ABC denies the claim. We file a personal injury lawsuit and take the case all the way to a jury trial. The jury awards $238,000 to our client. Now that we have a court judgment, we collect the $100,000 from ABC insurance. Now what about the remaining $138,000 that the jury awarded to our client? At this point in the game, the negligent driver now has a potential insurance bad faith claim against ABC insurance because his own insurance company has exposed him to $138,000 in a personal judgment.

Do You Really Have a Chance Against a Billion Dollar Insurance Company?

Not without a St. Louis personal injury lawyer on your side. You have to understand that these insurance companies are profit making machines that couldn't care less about the person making a claim. Its all a money game in the insurance industry. They look at every aspect of this business in terms of risk. What is the risk of denying your claim? What is the risk of you hiring a personal injury lawyer? What is the risk of you taking them to trial? What is the risk of a jury awarding you hundreds of thousands of dollars?

Insurance companies see you as another calculated risk...until you hire an injury attorney. Then they are at the mercy of the effectiveness of your lawyer and the civil justice system. Thankfully you have the ability to level the playing field and get results for your claim. To learn more about the common unfair tactics used by a typical insurance claims adjuster, visit our unfair insurance adjusters help page.

St. Louis Insurance Bad Faith Lawyer

It is legally impossible to negotiate an insurance bad faith claim without the assistance of a St. Louis insurance bad faith lawyer. Bad faith claims must be filed in a court of law. These types of cases are actually both contract and tort causes of action. Venue and other procedural implications are important to discuss prior to filing any insurance bad faith lawsuit. Insurance companies aggressively defend bad faith claims. Most of us have heard of the Allstate Insurance bad faith lawsuit which eventually exposed some very questionable claims practices of that company. It was eye-opening to say the least.

Contact a St. Louis insurance bad faith lawyer at Schultz Legal Group to discuss your case. Our Missouri personal injury lawyers always offer a free consultation and never collect attorneys fees unless our clients prevail on their case. Don't be victimized twice.