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What is required for a bad faith claim?

Dealing with an insurance company, regardless of the reason, can often be challenging. Insurance companies in Kentucky are usually focused on finding ways to make money and not pay it out. When it comes to claims, they will investigate thoroughly to ensure they do not pay out when they are required to do so. Even though most companies are honest and will pay you when you are entitled, you may run into a situation of a bad faith claim.

A bad faith claim, according to the Insurance Journal, is when an insurance company does not rightfully pay a claim. There are three main conditions that must be met to prove this type of claim in the state. You must prove that the insurance company had no legal grounds upon which to deny your claim. You must also prove the claim is something the insurer was bound to cover through your agreement with the company. Finally, you have to show there was no reason for the denial or that the insurance company avoided payment with no reasonable excuse for doing so.

There have been many court cases regarding this type of claim. The court is very strict with the three conditions. If they are not met, then your bad faith claim will be denied. It is essential to ensure you have followed all the requirements outlined in your policy for reporting the claim and that your claim is legitimate before filing a bad faith claim. This information is only intended to educate and should not be interpreted as legal advice.

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