We represent policyholders who have been wrongfully denied, delayed, underpaid, or mistreated by insurance companies during times of crisis. Our clients often come to us after discovering that the protection they faithfully paid for is being unfairly withheld when they need it most.
We analyze policies, investigate claim handling practices, uncover internal insurer conduct, and pursue every available remedy under Louisiana law and applicable bad faith statutes. Our goal is to hold insurance companies accountable when profits are placed ahead of fairness and contractual obligations.
Insurance companies understand litigation pressure and they understand firms willing to go to trial. With more than 31 years of experience handling complex disputes, we provide strategic, aggressive representation while maintaining the personal trust, communication, and confidence our clients deserve.
Insurance bad faith occurs when an insurance company fails to fairly and honestly handle a valid claim. Examples may include wrongful claim denials, unreasonable delays, failure to investigate, underpayment of benefits, misrepresentation of coverage, or placing the insurer’s financial interests above the policyholder’s rights.
Insurance companies generally have a duty to reasonably investigate claims and provide legitimate explanations for denials. A denial without proper investigation or justification may support a bad faith claim.
Examples may include denying valid claims, delaying payment without justification, refusing to investigate, misrepresenting policy language, failing to communicate, undervaluing losses, pressuring policyholders into low settlements, or failing to timely pay covered benefits.
Insurance bad faith claims may involve automobile insurance, homeowner’s insurance, commercial insurance, health insurance, disability insurance, life insurance, hurricane and storm damage claims, and other coverage disputes.
Preserve all correspondence, policy documents, photographs, estimates, and communications with the insurer. Avoid accepting low settlement offers without understanding your rights, and contact an experienced attorney immediately.
No. Insurance companies generally have legal duties to timely investigate and adjust claims. Unreasonable delays may constitute bad faith depending on the facts and applicable law.
Depending on the circumstances, policyholders may recover unpaid policy benefits, consequential damages, financial losses caused by the denial or delay, emotional distress damages in certain situations, attorney fees, penalties, and other damages allowed by law.
Insurance companies sometimes attempt to minimize payouts by undervaluing claims or relying on biased adjusters and experts. Duck Law Firm, LLC can evaluate whether the insurer acted unfairly or failed to properly assess the loss.
Yes. Policyholders may bring claims against their own insurers when the company fails to honor the obligations owed under the policy or violates bad faith laws.
Yes. Insurance companies generally owe duties of good faith and fair dealing to their insureds. When insurers place profits above policyholder rights, they may be held legally accountable.
Insurance bad faith and coverage disputes are subject to strict legal deadlines. Failing to act quickly may jeopardize important evidence or legal rights. Contact Duck Law Firm, LLC immediately to evaluate your claim.
Duck Law Firm, LLC handles many insurance bad faith cases on a contingency fee basis, meaning clients pay no attorney fees unless compensation is recovered.
Insurance companies and their lawyers aggressively defend bad faith claims. Duck Law Firm, LLC fights to hold insurers accountable when they wrongfully deny, delay, or underpay legitimate claims. Our goal is to protect policyholders and pursue the full compensation owed under the law.
The information contained in these FAQs is for general informational purposes only and does not constitute legal advice. Every insurance dispute and bad faith case is unique. Contact Duck Law Firm, LLC for a consultation regarding your specific circumstances.
