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Insurance Bad Faith

Dedicated Lawyers in Honolulu Helping Victims of Insurance Bad Faith

As part of our comprehensive personal injury practice, Shim & Chang regularly deals with insurance companies in Honolulu and throughout Hawaii. When insurance companies treat clients unreasonably or unfairly, our experienced Hawaii insurance lawyers will help hold insurers accountable for their underhanded practices. Our goal is to ensure that our clients receive their promised benefits, as well as any additional compensation for being mistreated by their insurance companies.

Acts of Bad Faith Committed by Insurance Companies

In Hawaii and elsewhere in the United States, insurance companies owe a duty of good faith and fair dealing to people they insure. If an insurance company violates this duty by acting unfairly or unreasonably, a policy holder may bring a claim against the company for its wrongful acts. Common examples of insurance bad faith include:

  • Wrongful denial of a valid insurance claim
  • Unreasonable delay in paying on an insurance claim without cause
  • Unreasonable underpayment on an insurance claim without cause
  • Failure to adequately investigate a claim
  • Using unreasonable misinterpretations of policy language
  • Improper valuation of property damage
  • Failure to defend a third party claim against a policyholder
  • Failure to indemnify a judgment or settlement against a policyholder
  • Improper rescission, or cancelling, of a policy to avoid paying on a claim

In a successful bad faith action, a policyholder may be able to recover not only policy benefits, but also additional damages resulting from the insurance company’s bad faith acts, such as emotional distress, pre-judgment interest on amounts withheld, and punitive damages if the insurance company’s behavior was particularly egregious.

At Shim & Chang, we always work to obtain the maximum amount of compensation available to a personal injury victim. Thus, if we think an insurance company has acted unreasonably in handling a claim, our Honolulu attorneys will take the extra step to obtain insurance bad faith damages on behalf of our clients.

Seek Advice from an Experienced Insurance Lawyer in Honolulu

When people purchase insurance, they generally believe that their policy will take care of covered losses it they are involved in an accident. Insurance companies are businesses, however, and they make a profit by paying as little as possible on claims or denying claims altogether. This is why legal representation is always helpful when dealing with insurance companies after an accident. If you believe your insurance company has acted in bad faith, contact Shim & Chang in Honolulu for a free initial consultation. You can learn more about securing fair insurance coverage and find out if you have a case against your insurance company.