Standing Up to Insurance Companies for Policyholders

You pay insurance premiums for peace of mind—believing your insurer will be there when you need help most. But when insurance companies put profits before promises, wrongfully delay, deny, or underpay legitimate claims, it’s not just frustrating—it’s financially devastating. At Calvert Law Firm, our Oklahoma bad faith insurance lawyers are relentless advocates for policyholders. We make sure insurers honor their commitments and pay claims fully, promptly, and fairly.

What Is Bad Faith Insurance?

“Bad faith” occurs when an insurance company fails to uphold its legal duty to treat policyholders honestly and fairly. Under Oklahoma law, insurers must:

• Investigate and process claims promptly and thoroughly
• Communicate honestly and in good faith with policyholders
• Pay valid claims in a timely manner
• Provide a clear, reasonable explanation for any denial or delay

If your insurance company unreasonably drags out, denies, or underpays your claim, they may be acting in bad faith—and you have the right to take legal action.

Common Examples of Bad Faith by Insurers

• Unjustified claim denials without reasonable investigation
• Delaying payment for no legitimate reason
• Failing to conduct a thorough and fair investigation
• Misrepresenting policy terms or coverage limits
• Offering unreasonably low settlements
• Refusing to provide a clear explanation for a denial
• Threatening or intimidating policyholders who pursue claims
• Demanding excessive, unnecessary paperwork

Types of Insurance Claims Affected

Bad faith can occur with virtually any type of insurance policy, including:

• Auto insurance (car, motorcycle, truck)
• Homeowners’ and renters’ insurance
• Health and medical insurance
• Life insurance and accidental death policies
• Commercial property and business interruption insurance
• Disability and long-term care insurance

Our attorneys have handled bad faith cases involving all of these and more.

What to Do if You Suspect Insurance Bad Faith

1. Keep Records: Save all correspondence, claim numbers, phone logs, and denial/explanation letters.
2. Document the Process: Make notes of all calls, adjuster visits, and reasons given for delays or denials.
3. Get a Second Opinion: Consult another professional (doctor, contractor, etc.) to verify damages or losses.
4. Don’t Accept Lowball Offers: Insist on clear explanations and written offers from your insurer.
5. Contact Calvert Law Firm: Our lawyers know insurance company tactics and can level the playing field.

How Calvert Law Firm Fights for Policyholders

• Thorough Case Review: We analyze your policy, claim history, and all insurer communications for evidence of bad faith.
• Negotiation and Litigation: We demand full payment of your claim, plus additional compensation for delays or wrongful conduct. If needed, we take insurers to court.
• Expert Resources: We work with adjusters, appraisers, and industry experts to prove your claim and show where the insurer went wrong.
• No Fee Unless We Win: You pay nothing up front. We only get paid if we recover for you.
• Aggressive Advocacy: Insurance companies know our reputation for going the distance to protect clients.

Damages Available in Bad Faith Claims

If an insurer is found to have acted in bad faith, you may recover:

• The full value of your original claim
• Consequential damages (financial harm caused by the delay or denial)
• Emotional distress damages
• Attorneys’ fees and litigation costs
• Punitive damages (in cases of egregious conduct)

Our mission is to secure everything you are entitled to—not just your initial loss.

Frequently Asked Questions

How do I know if my insurer acted in bad faith?
If your claim is delayed, denied without clear explanation, or lowballed, contact us. We’ll review your situation and advise you on your rights.

Is there a time limit to file a bad faith insurance claim?
Yes. Deadlines depend on the policy and facts of your case—don’t wait to get legal advice.

Will my premiums increase if I sue my insurer?
Insurers cannot retaliate by raising your rates solely because you assert your legal rights.

Can I afford to hire Calvert Law Firm?
Yes. We work on contingency—no fee unless we win.

Contact Calvert Law Firm Today

If your insurance company isn’t living up to its promises, don’t face them alone. Contact Calvert Law Firm for a free, confidential review of your claim. We’re here to stand up to insurance giants and make sure you get the justice and compensation you deserve.