Q: How can I prove insurance bad faith was a factor in my past claim denials?
A: The answer to your question is extremely technical and fact specific. That being the case, I would highly recommend organizing everything you have in your possession related to this situation, including denial letters and insurance policies, and consulting with an attorney individually. A knowledgeable attorney will review the information, and advise as to the best course of action moving forward, as you may have remedies under Section 155. Further, many of us offer free consultations, so it will not cost you anything out of pocket to obtain the opinion of an experienced professional.
A: It's very unlikely that this insurance company will voluntarily turn over the documents you would need to see and understand the basis to uncover the possible fraud and prove your case. If you believe you have a valid claim for the denials by this insurance company, contact a lawyer who handles bad faith insurance claims. This kind of legal practice is very specialized. You didn't mention whether or not the denial of coverage was for a health insurance claim or some other claim. Illinois law regulates insurance companies of all kinds. When you consult with an attorney you should be ready to produce your policy of insurance as well as all communications you have exchanged with this company and its agents.
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