Your insurance companies have a duty to not unreasonably deny your claims. However, your insurance company may not satisfy that duty.
In Ohio, an insured party can take an insurance company to task for unreasonably denying his or her claim. This claim is referred to as a “bad faith” claim against your insurance company. In addition to a bad faith claim, you may also bring a breach of contract claim and potentially a fraud claim under certain circumstances.
A bad faith claim may result in awards for compensatory damages, punitive damages and attorney fees. Remember, your insurance companies’ duties to cover you are based on the contracts you have with them. If you believe you are not receiving benefits covered under your policy, you should review your policy and contact an attorney.
Matt Miller-Novak, Esq.Godbey and Associates
Source: The Gavel