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Massachusetts Bad Faith Insurance & Your Consumer Rights (Part A)

Almost everyone carries some type of insurance, such as health care insurance, car insurance or homeowners insurance. Many people view their insurance policies as "necessary evils." You hate to pay for them, but they sure do feel necessary in the time of an accident, theft or loss.

In the ideal world, everything always goes smoothly between the insurer and the insured. However, not all insurance companies are completely honest. It's important to understand your consumer rights if you experience an incident of Massachusetts bad faith insurance.

Massachusetts Bad Faith Insurance Regulations

Bad faith insurance laws are governed at the state level. The pertinent laws on consumer rights and insurance in Massachusetts are listed in the General Laws of Massachusetts Chapter 176D: Section 3 and the General Laws of Massachusetts Chapter 93A: Section 9.

In Massachusetts, an insurance company may be acting in bad faith if the insurance company:

• Consistently tries to underpay claims
• Consistently tries to delay payments
• Misrepresents benefits covered in your policy
• Does not investigate your claim using all of the information available
• Alters your claim
• Denies your claim without giving reasons for the denial
• Tries to pay without including a statement describing which part of your coverage was used to justify that payment
• Tries to get you to accept a lower payment than a payment agreed to in arbitration
• Tries to settle several claims from you as a whole rather than on a claim-by-claim basis
• Puts the company's needs over your needs

If you think that your insurance company has dealt with you unfairly, and you suspect that other consumers have experienced similar issues with your insurance company, you might have cause to pursue a Massachusetts bad faith insurance class action lawsuit.

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