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Kansas City Insurance Lawyers

Insurance Bad Faith Claims in Missouri

When you are involved in a car accident or a major storm causes significant damage to your home, you expect your insurance company to be there for you. Insurance policies are contracts between the insurer and the insured; both parties—including the insurance company—must abide by the terms of the contract. When an insurance company fails to uphold its end of the contract, this is known as “acting in bad faith,” and the policyholder or claimant can take legal action.

At Potts Law Firm, we represent clients in all types of insurance bad faith claims. Our Kansas City insurance lawyers have extensive experience holding insurance companies accountable, and we have the resources to take on both small and large insurance providers, including some of the biggest names in the insurance industry. If the insurance company has wrongfully denied your claim, delayed your payment, or otherwise acted in bad faith, reach out to our firm today to learn how we can help.

Call (816) 312-5125 or submit a free online case evaluation form today.

What Is Insurance Bad Faith?

Insurance bad faith refers to any wrongful (i.e., unlawful) conduct by an insurance company that results in financial, physical, or emotional harm to the policyholder or claimant. Insurance companies typically engage in such conduct in order to avoid their legal obligations to a policyholder or claimant. This is illegal and may constitute grounds for an insurance bad faith lawsuit.

Some examples of insurance bad faith include:

  • Wrongfully denying a valid insurance claim
  • Denying a claim without providing a reason
  • Delaying decisions regarding medical care
  • Refusing to pay a valid insurance claim
  • Denying requests for medical treatment approval
  • Misrepresenting or changing an insurance policy
  • Altering an insurance policy after a claim is filed
  • Failing to conduct a thorough, timely investigation
  • Offering to pay less than a claim is worth
  • Refusing to pay for covered losses
  • Refusing reasonable requests for documentation
  • Making threatening statements to a policyholder or claimant
  • Failing to provide proper documentation

If you believe that your insurance company has acted in bad faith, we encourage you to get in touch with the Potts Law Firm team. At our Kansas City office, we provide clients with personalized legal representation and aggressive advocacy. Our attorneys have the experience, resources, and skills to pursue maximum compensation on your behalf, and we fully prepared to go to trial.

Types of Insurance Bad Faith Claims We Handle

Our firm has extensive experience handling all types of vexatious refusal to pay claims in Missouri.

We have assisted clients with insurance bad faith claims involving:

  • Auto insurance
  • Homeowners’ insurance
  • Fire and smoke damage
  • Storm damage
  • Wind damage
  • Hurricane damage
  • Commercial insurance
  • Business interruption policies
  • Life insurance
  • Renters’ insurance
  • Health insurance

No matter how complex your situation may be or how challenging your claim, our Kansas City insurance bad faith attorneys can help. We are happy to answer your questions and address any concerns you may have as we help you navigate the legal process.

Schedule Your Free Consultation Today

In Missouri, there is a five-year statute of limitations on most insurance bad faith claims. However, the sooner you seek legal assistance, the better. When you reach out to Potts Law Firm, we will immediately schedule a time to meet with you and discuss your case. Our attorneys work quickly when it comes to investigating and filing claims. We are committed to doing everything possible to achieve the fast, favorable resolution you need; however, we are also prepared to aggressively litigate your case and represent you at trial if necessary.

To learn more, call our office at (816) 312-5125 or contact us online. Your initial consultation is completely free. Hablamos español.

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Hear From Our Past Client's
  • I had a wonderful experience with this law firm.

    “They were able to complete it in a timely manner and were great at keeping me up to date with communication throughout the entire process. I highly recommend using this law firm if the need arises.”

    - Stephen P.
  • I wouldn’t hesitate to recommend him or any of the team at Potts.

    “Michael Bins has been extremely helpful in helping us to navigate a situation with an insurance claim on a commercial property. He’s gone above and beyond in moving our case toward a positive resolution that we’re satisfied with.”

    - Theo C.
  • The Potts Law Firm is a powerhouse of brilliant attorneys.

    “They know the law from every angle, dig deep, and will not accept anything less than what was asked in the original suit. The Potts team never backed down until the case was settled in full.”

    - Molly H.
  • I highly recommend Adam and Potts Law Firm

    “From the first meeting, Adam made me feel like he had my best interest at heart and took care of everything.  I can't say enough good things about how helpful, professional, and caring Adam was to me.”

    - Mary H.
  • I would recommend Potts Law Firm for any and all legal matters that come my way in the future!

    “The Potts Law Firm answered all of my numerous questions in layman’s terms which is what I needed. I was able to lie back & heal from my injuries knowing full well that my obligations were being handled appropriately.”

    - W. Gary

In Missouri, you have the right to sue an insurance company for damages when it fails or refuses to pay for a “loss under a policy” without providing a “reasonable cause or excuse.” This is known as “vexatious refusal to pay.”

To prove your claim, you must prove the following:

  • You had an insurance policy with the insurance company
  • The insurance company failed to pay your losses
  • The failure to pay losses occurred without reasonable cause or excuse
  • You waited at least 30 days for the insurance company to pay your claim before filing a lawsuit
  • Your claim was in accordance with your insurance policy

If successful, you could be entitled to compensation for your damages, as well as your attorney fees and related court costs. These are highly complex claims, and we strongly recommend that you work with an experienced legal team, like Potts Law Firm.

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