Insurance Bad Faith

Both parties — you and your insurer — must uphold the agreement spelled out in your policy. The insurance company is obligated to pay all authentic claims on your policy, and you are obligated to pay the premiums when due.

Your insurance company is required by law to act in good faith when you file a claim by evaluating, investigating, processing, and paying legitimate claims.

Insurance Bad Faith occurs when:

  • Claims are not paid on a timely basis.
  • Legitimate claims are denied.
  • Covered claims are under-evaluated and underpaid.

Unfortunately, most insurance companies go to great lengths to reduce or eliminate their liability for insurance claims.

Since insurance companies are in a position of trust, the law in Oklahoma holds these companies to a greater standard, regardless of whether the company is located in Oklahoma.

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