Bad-Faith Insurance Lawyer in Gettysburg, PA
When you purchase insurance, you expect your provider to honor its obligations when a claim is filed. Unfortunately, that does not always happen. At DiLoreto, Cosentino & Bolinger, our bad faith insurance claim attorneys represent policyholders in Gettysburg when insurers fail to act fairly or reasonably.
If you are already dealing with the aftermath of an injury or loss, disputes with your insurance company can add unnecessary stress. Our firm’s experience in personal injury and insurance-related claims allows us to step in and address these issues directly. It’s our job to hold insurance companies accountable.
What Constitutes Bad-Faith in Pennsylvania?
Under Pennsylvania law, insurance companies are required to act in good faith when handling claims. Bad-faith may occur when an insurer unreasonably denies a claim, delays payment without justification, or fails to investigate a loss properly. It can also arise when a company misrepresents policy terms or attempts to pressure a claimant into accepting less than what is owed.
The Pennsylvania bad faith statute, 42 Pa. Cons. Stat. § 8371, provides a legal pathway for policyholders to seek remedies when insurers fail to meet their obligations. In addition to ensuring appropriate payouts on your claim, courts may award interest, attorney’s fees, and, in some cases, punitive damages.
Common Situations That Lead to Bad-Faith Claims
Bad-faith disputes often arise after serious personal injury incidents, including car accidents, premises liability claims, or wrongful death cases. In these situations, policyholders may find that their insurer delays responding, undervalues medical expenses, or denies coverage outright.
In Gettysburg, where traffic from tourism and nearby routes like U.S. Route 15 can increase the likelihood of accidents, these disputes are not uncommon. When an insurer fails to handle a claim appropriately, it can significantly impact your ability to recover financially.
How Our Attorneys Approach Bad-Faith Claims
At DiLoreto, Cosentino & Bolinger, our attorneys evaluate the full scope of your insurance policy and the insurer’s conduct. We look at claim timelines, communication records, and the reasoning behind any denial or delay. This allows us to determine whether the insurance company’s actions meet the legal threshold for bad faith.
We also understand that these cases often overlap with underlying personal injury claims. Our firm’s familiarity with both areas allows us to address the broader situation, not just the insurance dispute in isolation.
The Importance of Acting Promptly
Bad faith claims are subject to legal deadlines, and waiting too long can limit your options. Additionally, the longer an insurer delays payment, the more financial strain a policyholder may experience. Taking early action allows our attorneys to preserve evidence and begin building a strong claim.
Prompt legal guidance can also help prevent missteps when communicating with your insurance company. Statements made during the claims process may later be used to justify a denial or reduced payment.
Working Toward a Fair Resolution
Insurance companies have significant resources, but policyholders are not without recourse. By pursuing a bad-faith claim, you may be able to recover not only the benefits owed under your policy, but also additional damages, if permitted by law.
Our goal is to pursue a resolution that reflects the terms of your policy and the realities of your loss. Whether through negotiation or litigation, our attorneys work to hold insurers accountable when they fail to meet their obligations.
Speak With Our Gettysburg Bad-Faith Insurance Attorneys
If you believe your insurance company has acted unfairly, our Gettysburg, PA, attorneys are prepared to review your situation and discuss your options. Contact the DiLoreto, Cosentino & Bolinger legal team to set up your free, no-obligation consultation by calling (717) 496-0070.