Insurance Bad Faith

In today’s uncertain world, we have to be prepared for the worst. While we would like to think that catastrophic event only happen to other people, the reality is that tragedy can strike anyone at any time.

To protect ourselves, our loved ones and our property, we pay insurance premiums. Although we hope that we will never have to file a claim, we make monthly payments to our life, automobile, medical and homeowner insurers just in case we are ever stricken by an illness, involved in an accident, or become the victim of a natural disaster.

Unfortunately, those high premiums don’t always guarantee fair treatment by insurance companies. Recently, the media has uncovered countless instances of insurance bad faith, particularly in the wake of storms such as Hurricane Katrina. Courts frown upon large insurance companies that take advantage of policyholders by not following through with claims, as evidenced by the millions in punitive and property damages awarded in recent class action suits against insurance companies acting in bad faith.

The attorneys at Mani Ellis & Layne have seen too many cases of insurance companies acting in bad faith – refusing valid claims, dragging their feet in processing claims, paying out far less than the damages incurred by the policyholder, and using ambiguous contractual language to justify the refusal of claims.

After faithfully paying thousands of dollars in insurance premiums, policyholders who have critical injuries, endure permanent disabilities, suffer debilitating illnesses, the death of a loved one, lost income and sustain expensive property damage are denied justified claims and insurance settlements. We think such underhanded and unethical treatment is unacceptable, and we enjoy taking insurance companies to court in order to make them pay for their misdeeds.

Hold Companies Responsible For Their Obligations.

Just as everyday people must follow the law, so must insurance companies. The insurance industry has made an art form out of finding loopholes within the regulations so that they can get away with paying you as little as possible. Insurance companies who act in good faith are required to:

• Investigate all claims objectively and fully
• Process claims in a timely manner
• Communicate the terms and benefits of the policy clearly to the policyholder
• Consider the interests of the policyholder as opposed to the company
• Award fair compensation to clients who file claims
  

Sadly, in times of personal crisis, insurance companies act in bad faith committing a crime instead of upholding their contractual agreement with policyholders. Bad faith insurers:

• Judge claims in terms of their own financial interests
• Process claims in an unreasonable amount of time while policyholders suffer financially
• Cloud the benefits owed policyholders in unclear and misleading language
• Offer inadequate compensation for claims
• Reject valid claims
  

At Mani Ellis & Layne, our legal team has the knowledge and the courage to battle the hordes of high priced attorneys that insurance companies employ in order to protect their own financial interests. With our courtroom experience, we know that if an insurer has refused a valid claim that a suit must be filed within the time frame of the state’s statute of limitations, so you need attorneys who can move quickly and prove fault on the part of the insurance company. Mani Ellis & Layne, experienced in trying cases in both West Virginia and Ohio, is that law firm.

We Give Our Clients The Personal Attention They Need.

At Mani Ellis & Layne, we pride ourselves on forming a relationship with our clients. After being treated so impersonally by your insurance company, we believe in knowing you, your case, and your needs. We will meet with you, discuss your case, and map out a legal strategy designed especially for your situation. Don’t allow large insurance companies to get away with crime. Instead, contact Mani Ellis & Layne and get the compensation you are owed. Call toll-free at 1-888-720-1001 today for a consultation.

Mani Ellis & Layne PLLC – Powerful Representation. Personal Care.

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Mani Ellis & Layne
405 Capitol Street
Suite 806
Charleston, WV 25325

Toll Free: 888-720-1001
Phone: 304-720-1000
Fax: 304-720-1001