Bad-Faith Insurance Lawyer in Chambersburg, PA
Insurance is supposed to provide stability when something goes wrong. When a claim is delayed, underpaid, or denied without a clear basis, that sense of security quickly disappears. At DiLoreto, Cosentino & Bolinger, our attorneys represent policyholders in Chambersburg and throughout Franklin County who are facing these kinds of challenges.
Insurance disputes often arise alongside serious injury claims, and our firm’s broader experience in handling personal injury matters allows us to approach these cases with a full understanding of what is at stake.
When an Insurance Company Crosses the Line
Not every denied claim qualifies as bad-faith. However, insurers have a legal obligation to evaluate claims honestly and within a reasonable timeframe. When they fail to do so, their conduct may rise to the level of bad faith under Pennsylvania law.
Examples include ignoring clear medical documentation, failing to respond to communications, or offering settlements that do not reflect the terms of the policy. In some cases, insurers may rely on vague policy language to justify a denial, even when coverage should apply.
Under the law, 42 Pa. Cons. Stat. § 8371, Pennsylvania courts can award interest, attorney’s fees, and, in certain situations, punitive damages when an insurer’s conduct is found to be unreasonable. This is in addition to what the insurance company owes you from your initial accident claim.
Why These Disputes Arise After Serious Injuries
Bad-faith claims often develop after significant accidents, especially those involving long-term medical care or lost income. In Chambersburg, where Interstate 81 carries a steady flow of commercial traffic, resulting in numerous car accidents and truck accidents every year, this can result in complex personal injury claims.
As the financial impact of an injury grows, insurers may scrutinize claims more aggressively. This can lead to delays or disputes over the value of treatment, rehabilitation, or future care needs.
How Our Attorneys Build a Case
Our attorneys focus on the details of how your claim was handled. This includes reviewing timelines, correspondence, and the reasoning behind any decisions made by the insurer. We also examine whether the company followed its own procedures and industry standards.
By developing a clear record of the insurer’s conduct, we are able to evaluate whether a bad-faith claim is appropriate and how best to proceed.
Moving Forward with a Claim
Addressing bad-faith is not just about recovering policy benefits; it is about holding insurers accountable when they fail to meet their obligations. Taking action can also prevent further delays and help bring clarity to a difficult situation. Each case is different, and our attorneys take the time to understand the specific circumstances involved before recommending a course of action.
Talk With Our Chambersburg Bad-Faith Insurance Attorneys
Chambersburg families should never feel disrespected or dismissed by insurance companies following an accident. If you are dealing with an insurance company that is not treating your claim fairly, our attorneys can review your situation and help you understand your options. Have a complimentary consultation with the attorneys at DiLoreto, Cosentino & Bolinger. To schedule, call (717) 496-0070 or contact our offices online.