How Do I File a Bad Faith Insurance Claim in South Carolina?
When you pay for an insurance policy, you trust your insurer will uphold its promise to protect you. But what happens if they wrongfully deny or delay your claim? If you believe your insurance company is acting in bad faith, you have options to hold them accountable. Many people ask, “How do I file a bad faith insurance claim in South Carolina?” — and this guide can help you understand your next steps.
If you’re facing a dispute with your insurer, an experienced insurance denial attorney can fight for your rights and help you navigate this challenging process.
What is Insurance Bad Faith?
Insurance bad faith occurs when an insurer violates its duty to act fairly and honestly with its policyholders. Common examples include:
- Denying a valid claim without a reason
- Delaying payment without explanation
- Failing to investigate your claim properly
- Offering an unreasonably low settlement
- Compelling a policyholder to file a lawsuit
South Carolina law requires insurers to treat you fairly and deal in “good faith.” If they fail to do so, you may have grounds for a bad faith insurance claim.
Steps to Filing a Bad Faith Insurance Claim
Here’s what you need to do if you suspect your insurance company is acting in bad faith:
1. Review Your Insurance Policy
Start by carefully reviewing your policy. Understand what is covered and what is excluded. This will help you identify if your claim was wrongfully denied or underpaid.
2. Keep Detailed Records
Document everything related to your claim, including:
- Emails, letters, and phone calls with your insurer
- Denial letters or lowball offers
- Photos, bills, and other evidence supporting your claim
These records can be crucial if you file a lawsuit.
3. Contact an Insurance Denial Attorney
Don’t try to fight your insurance company alone. An insurance denial attorney in Columbia, SC can:
- Investigate your claim and gather evidence of bad faith
- Communicate with the insurance company on your behalf
- Negotiate a fair settlement
- Take your case to court if needed
4. File a Bad Faith Insurance Lawsuit
If negotiations fail, your attorney may recommend filing a lawsuit. In South Carolina, you can sue for:
- The amount owed under your policy
- Damages caused by the insurer’s bad faith conduct
- Potential punitive damages to punish wrongful behavior
How an Insurance Denial Lawyer in Columbia, SC Can Help
Insurance companies have teams of lawyers and adjusters working to protect their profits—not your rights. That’s why you need an experienced insurance denial lawyer in Columbia, SC to level the playing field.
At Hewett & Diamaduros Law Firm, we can:
- Build a strong case on your behalf
- Advocate for your full financial recovery
- Handle negotiations and litigation while you focus on moving forward
We know how to hold insurance companies accountable and fight for the justice you deserve.
Common Types of Bad Faith Insurance Claims
Bad faith can happen with many types of insurance, including:
- Auto insurance
- Homeowners’ insurance
- Health insurance
- Life insurance
- Business insurance
Regardless of the policy type, if your insurer failed to handle your claim fairly, we can help.
When Should You Contact a Lawyer?
It’s best to contact a lawyer as soon as you suspect bad faith. Early legal intervention can:
- Protect your rights from the start
- Prevent costly mistakes in dealing with insurers
- Speed up the resolution process
Final Thoughts: Take the First Step Today
If you’re asking yourself, “How Do I File a Bad Faith Insurance Claim in South Carolina?” remember—you don’t have to face it alone. Contact a trusted insurance denial attorney at Hewett & Diamaduros Law Firm for a free consultation today.
Our experienced insurance denial attorney in Columbia, SC is here to guide you through every step and fight for the compensation you’re entitled to. Don’t let your insurance company take advantage of you—take action now.