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A letter arrives, filled with complex jargon and technicalities, all leading to one conclusion: your claim is denied.

You upheld your end of the bargain. Month after month, year after year, you paid your insurance premiums, placing your trust in a company that promised to be there for you when the unexpected happened.

That policy was more than just a piece of paper; it was a commitment to your financial security and peace of mind. Now, in your moment of need, that promise has been broken.

Spokane policyholder reviewing insurance claim denial letter after bad faith insurance company decision  

The foundation of trust you built with your insurer crumbles, leaving you to face the financial fallout of a fire, accident, or illness alone. This is not the partnership you signed up for.

At Kantor & Kantor LLP, we are people helping people, and we look forward to helping you. Our Spokane bad faith insurance lawyers understand the profound sense of betrayal that comes with an insurer’s failure to act in good faith.

We stand with policyholders, ready to hold these powerful corporations accountable and fight for the benefits you are rightfully owed.

If your insurance company has failed to honor its obligations, contact our Spokane bad faith attorneys for a free case evaluation to learn how we can help.

Why Choose Our Spokane Bad Faith Insurance Lawyers?

A Spokane bad faith attorney from Kantor & Kantor LLP brings a dedicated and principled approach to your corner, founded on our commitment to representing policyholders exclusively.

  • National reputation with local knowledge: We are a nationally recognized law firm in insurance litigation, bringing a wealth of experience to every case. For our clients in Spokane, we combine this broad perspective with a focused understanding of Washington’s specific insurance laws.
  • Undivided loyalty: We only represent policyholders. We never work for insurance companies. This singular focus means our strategies, resources, and passion are entirely dedicated to advocating for individuals and families like yours. Our purpose is clear and unwavering.
  • A history of results: We have a long and successful history of challenging wrongful claim denials and securing positive outcomes for our clients. While past results do not guarantee future success, our track record demonstrates our ability to persuade insurers to honor their commitments.

We manage every detail of your claim, from communications with the insurer to managing strict deadlines, allowing you to focus on rebuilding your life. Let a Spokane insurance dispute attorney from our firm provide the support you need.

How a Bad Faith Insurance Claim Attorney from Kantor & Kantor LLP Can Help

At Kantor & Kantor LLP, we understand the legal challenges policyholders face when insurance companies fail to act in good faith. Our Spokane bad faith insurance attorneys are here to provide the guidance and advocacy you need to take back control.

Here are some of the most common challenges our clients face and how we help:

  • Unexplained claim denials: Receiving a denial letter without a clear or valid reason can leave you scrambling for answers. Our attorneys thoroughly examine the details, analyzing your policy and the insurer’s actions to uncover the truth and construct a compelling case for why your claim should be honored.
  • Delays that create financial strain: When payments are delayed, the ripple effects can be devastating. Missed bills, mounting debt, and uncertainty about the future are just some of the consequences. We step in to hold insurers accountable, documenting delays as evidence of bad faith and pushing for timely resolutions.
  • Offers that undervalue your claim: Lowball settlements are a common tactic designed to pressure you into accepting less than you deserve. We assess the full scope of your losses and negotiate assertively to secure a settlement that reflects the true value of your claim.
  • Confusing or misleading policy language: Insurance policies are often filled with complex terms and hidden exclusions that insurers use to their advantage. Our team cuts through the jargon, ensuring your rights are protected and challenging any misrepresentation of your coverage.
  • Incomplete or biased investigations: A proper investigation is the foundation of a fair claim process. When insurers rely on incomplete reports or ignore critical evidence, we step in to challenge their findings and present a clear, accurate picture of your situation.

These challenges are not just roadblocks. They are opportunities for us to advocate on your behalf. With Kantor & Kantor LLP, you do not have to navigate this process alone. We take on the burden of dealing with the insurance company, so you can focus on what matters most: rebuilding your life.

Are You Eligible for a Bad Faith Insurance Claim in Spokane?

Insurance companies are required by law to act in good faith and deal fairly with their policyholders. When they fail to meet this standard, you may have grounds to file a bad faith claim.

During a free, confidential case evaluation, our bad faith insurance attorneys can help you explore critical questions such as:

  • Was your claim denied without a clear explanation? Insurance companies are obligated to provide valid reasons for denying a claim. If their response lacks detail or justification, it could signal bad faith.
  • Did the insurer fail to respond to your communications? Ignoring or delaying responses to your inquiries about a claim is not only frustrating but may also violate their duty to act promptly and fairly.
  • Was your claim denied without a thorough investigation? Insurers are required to conduct reasonable investigations before making decisions. If they refused to review all the evidence or relied on incomplete information, this could be a breach of their obligations.
  • Did the insurer refuse to settle when liability was clear? When the facts of a claim are undeniable, insurers should work toward a fair and timely resolution. Refusing to do so may indicate a lack of good faith.
  • Were you forced to take legal action to recover what you are owed? If the insurer offered a settlement far below what you are entitled to, effectively forcing you to litigate, this could be a deliberate tactic to avoid paying full benefits.
  • Did the insurer misrepresent your policy’s terms? Misleading statements about your coverage or exclusions can leave you without the support you expected. These misrepresentations may be grounds for a bad faith claim.
A Spokane bad faith insurance attorney from Kantor & Kantor LLP can help you uncover the truth, hold the insurer accountable, and pursue the compensation you deserve. Contact us today for a free review of your policy and the insurer’s handling of your claim.

Civil Litigation and Bad Faith Claims in Washington

Insurance companies are legally required to act in good faith, handling claims fairly and without unnecessary delays.

When they fail to meet these obligations, it is known as bad faith, or a breach of the covenant of good faith and fair dealing. This can include unjustified denials, deliberate delays, or misrepresentations about your coverage.

In Washington, laws like the Insurance Fair Conduct Act (IFCA) and Chapter 19.86 RCW empower policyholders to hold insurers accountable.

Filing a bad faith insurance lawsuit can help you recover not only the benefits you are owed but also additional damages, including legal fees and, in some cases, treble damages.

At Kantor & Kantor, LLP, we understand that bad faith is more than a legal issue—it is a breach of trust. Our Spokane insurance litigation attorneys are here to help you fight back and secure the resolution you deserve.

Types of Bad Faith Insurance Claim Cases We Handle in Spokane, Washington

Our practice is dedicated to helping individuals and businesses whose insurers have failed to act in good faith. We handle a wide spectrum of cases arising from these disputes. The core of our work involves:

  • Disability insurance bad faith: We challenge unreasonable denials of necessary medical treatments, as well as wrongful terminations of long-term disability benefits.
  • Life insurance bad faith: Our Spokane life insurance bad faith attorneys advocate for beneficiaries who face claim denials based on alleged policy exclusions or application misrepresentations.
  • Commercial insurance bad faith: We help business owners fight wrongful denials of claims under their commercial property, business interruption, or liability policies.

At Kantor & Kantor LLP, we focus on uncovering the truth behind every case and advocating for the rights of policyholders. Our goal is to help you navigate these challenges and hold your insurance company accountable for the promises they made.

Compensation Available in Washington Bad Faith Insurance Cases

When an insurance company acts in bad faith, the legal remedies may extend beyond the original value of your claim. A Washington insurance bad faith attorney can help pursue all available forms of recovery you may be eligible for under the law and your policy.

Potential outcomes we pursue for our clients include:

  • Payment of policy benefits: Our primary goal is to recover the full amount of benefits you were initially owed under your insurance policy.
  • Interest on unpaid benefits: If your benefits were wrongfully withheld, you may be able to recover interest for the period you were without those funds.
  • Damages under the Insurance Fair Conduct Act (IFCA): If an insurer unreasonably denies a claim for coverage or benefits, you may be awarded your actual damages, legal costs, and attorney fees. The court may also award an additional amount up to three times your actual damages.
  • Damages under the Consumer Protection Act (CPA): Unfair or deceptive acts by an insurer can be a violation of the CPA. This can allow for the recovery of actual damages, with the court having the discretion to award treble damages up to a statutory maximum, plus attorney fees.
  • Emotional distress damages: In some cases, it may be possible to recover compensation for the emotional turmoil and distress caused by the insurer’s bad faith conduct.

Every case is different, and the potential for recovery depends on the specific facts and the insurer’s actions. A conversation with a Spokane bad faith attorney can clarify what may be achievable in your situation.

Spokane Bad Faith Insurance Claim Attorneys FAQ

What should I do if I think my insurer is acting in bad faith?

Keep a detailed record of your interactions with the insurance company. Note dates, times, and the content of your conversations, and save copies of any letters or emails. Consulting with a Spokane bad faith insurance lawyer can help you determine whether the insurer’s actions may constitute bad faith and what steps can be taken to address the situation.

Can I file a complaint with the Washington State Office of the Insurance Commissioner?

The OIC cannot force the company to pay your claim or represent you directly. For a more comprehensive approach, working with a Spokane insurance dispute attorney can help you pursue the benefits and damages to which you may be entitled under the law.

Can bad faith insurance claims be resolved without going to court?

Many bad faith disputes are resolved through negotiation, with attorneys working to secure a fair settlement without the need for a trial. By building a strong case and demonstrating the insurer’s accountability, your attorney can often create the leverage needed to reach a resolution that supports your needs.

Kantor & Kantor LLP | Your Advocates in the Fight Against Insurance Bad Faith

You entered into a contract with your insurance company expecting protection and fairness. When that trust is violated, it is more than a financial problem; it is a fundamental breach of a promise.

At Kantor & Kantor LLP, we are committed to holding insurers to the standard of good faith and fair dealing they are legally and ethically required to uphold.

Our role is to stand with you, to translate the complexities of insurance law into a clear strategy, and to champion your case with determination. We manage the legal burdens so that you can focus on your family, your business, and your life.

Contact Kantor & Kantor LLP today for a free, confidential consultation to discuss your case with a compassionate and knowledgeable Spokane bad faith insurance claim attorney. We are ready to listen and prepared to fight for you.

Bad Faith Insurance Claim Legal Resources

Kantor & Kantor LLP believes that informed policyholders are empowered policyholders. The following resources offer attorney-curated insights into some of the issues that arise when challenging insurance company decisions:

For personalized guidance on your specific situation, contact our Washington insurance litigation law office for a free case evaluation.
Attorney Glenn Kantor, California

Attorney Glenn R. Kantor

Glenn Kantor is a founding partner of Kantor & Kantor LLP. As a young attorney, Glenn saw the injustice of wrongful insurance denials and created a law firm to represent individuals seeking to obtain their rightful benefits. Glenn is committed to ensure that clients receive the benefits they are entitled to under their insurance policies or group health plans. [Attorney Bio]