Insurance Bad Faith Lawyer

Failure to pay valid disability claims, property damage claims, and business insurance claims
Failure to defend against lawsuits
Failure to settle within the state police limits
Insurance agent or broker negligence

An insurance company has a duty to defend an insured when the insured is exposed to potential liability to pay based on the facts known at the outset of the case, no matter how unlikely it is that the insured will be found liable or whether the insured is ultimately found liable. The Renco Group., Inc. v. Certain Underwriters at Lloyd’s, London, 362 S.W.3d 472, 479 (Mo. App. E.D. 2012). “To extricate itself from a duty to defend the insured, the insurance company must prove that there is no possibility of coverage.” Marshall’s U.S. Auto Supply v. Maryland Cas. Co., 189 S.W.2d 529, 530 (Mo. 1945).

If the insurer refuses to defend on the ground that the claim against the insured is outside the coverage of the policy, the refusal will be justified if the claim actually is outside the policy coverage, and the insurer then is not guilty of any breach of contract and incurs no legal obligation. Marshall’s U.S. Auto Supply v. Maryland Cas. Co., 189 S.W.2d 529, 530 (Mo. 1945). However, if the claim is within the policy coverage and thus within the duty of the insurer to defend, refusal of the insurer to do so is unjustified and the insurer is guilty of breach of contract.

You should contact an attorney as soon as possible. The statute of limitations may bar your claim if you don’t contact an attorney within the allowable time period.

Write down the agent’s name and contact information that way we can reach out to him
Keep all notes and correspondence that you had with the insurance company
Call the Krause & Kinsman Law Firm and we will help you with your claim denial