Rhode Island Injury Lawyer Helping Clients with Insurance Claims
The law office of Raymond A. Pacia has represented injury victims in Rhode Island for more than 30 years. We understand how insurance companies operate, and work to ensure our clients are treated fairly by their insurers when making claims for injuries and property damage. If an insurance company does not handle a valid claim properly, we are prepared to hold them responsible for their bad faith.
Personal Injury Attorney in Pawtucket Explains Insurance Bad Faith
Under any insurance policies you have, such auto insurance or homeowner's insurance, your insurance carrier is required to act in good faith toward you. This means your insurer has a duty to treat you fairly when assessing the validity of any claims you file for compensation after an accident or injury. If your insurance company acts unreasonably or unfairly in handling a claim, it may be liable for bad faith. Insurance bad faith claims may involve:
- Failing to pay a valid claim
- Delaying payment on a claim with no legitimate reason
- Unreasonable underpayment on a claim
- Cancelling a policy to avoid paying a claim
- Failing to investigate a claim in a timely manner
- Failing to thoroughly investigate a claim
- Requiring an excessive number of statements or estimates to support a valid claim
- Failing to provide a written explanation of why a claim has been denied
- Improperly refusing to defend a lawsuit
- Improperly refusing to pay a judgment or settlement of a covered lawsuit
An insurance company may employ many different tactics to deny, delay or underpay on a claim, such as using unreasonable interpretations of policy language to accomplish a certain result, or purposefully undervaluing property damage or the costs of medical treatment to pay less on a claim. Attorney Ray Pacia is fully aware of the means insurance companies use to avoid paying policyholders the maximum value of their claims, and can determine if underhanded methods were used in your case.
Social Security Disability Insurance
Our office also helps personal injury victims obtain Social Security Disability Income (SSDI) benefits after an accident. We can help you fill out the necessary forms thoroughly and accurately, and help you obtain supporting documentation, thus increasing the likelihood that your application will be approved without delay or complication. If your initial claim is denied, our firm can help you with an appeal.
Contact Us for Help with Insurance Claims
If you or a family member has suffered an accident or injury, we can assist you in every aspect of recovery, from handling claims against insurance companies and at-fault parties to helping you receive Social Security Disability benefits. For a free initial consultation to discuss your unique situation, please contact the law office of Ray Pacia in Pawtucket, Rhode Island.