Filing a Bad Faith Lawsuit Against Your Insurance Provider
Let’s face it; the unpredictability in music is why we love it. It can be a dissonant chord played unexpectedly that strikes a major chord in the audience’s heart. It can be an unusual time signature in the middle of a song that has everyone out of their seats. Or, it can be a struggle between artistic integrity and financial behemoths that leads to problems worse than being kicked out of a club during a show.
Such is the case when people have to deal with the insurance companies paying little attention to the plight of the insured. Policyholders, all too often, find that they face the ire of the parties who are supposed to protect their interests. Insurance companies become set on denying, delaying and deprecating insureds out of their payments. If you’ve been there, consider filing a bad faith lawsuit against your insurance provider.
As with many things in life, success is found by challenging the status quo. This goes for musicians and insurance companies. So, let’s break down the nuances of the bad faith lawsuit against an insurance company:
What Is Bad Faith?
As with how some artists feel about the state of the music industry, some people feel insured are always at odds with insurers. This misconception is simply not true-most of the time. However, sometimes, like an artist with a new contract, an insurer tries to make more money, rather than ensure that a policyholder receives what they are entitled to under the contract. If this happens, it is in the best interest of the insured to take action and push back. Sometimes, the insured sees the control in the industry and decides that they need to speak up to gain a fair shake. This is where a bad faith lawsuit against an insurance company comes into play.
Fighting for Art and Fighting for Policyholder Rights
Just as I mentioned before, both striving for artistic excellence and fighting for insureds aligns on one front. That front is that some entities push back against the homeowners or artists, respectively. Whether it is record labels or insurance companies, when someone tries to stymie the other party, they must push back and fight for what they are owed. Without these struggles sometimes change cannot occur. Sometimes you have to challenge the status quo in order for policies and practices to change. It’s a problem-solving ideation process founded on a struggle that motivates both parties to reconsider their policies with regards to the other party. We see that with many musicians today, where they try to advocate for better practices within the music industry as a whole and also try to educate insured about their rights. Sometimes a person needs to feel like a fighter for the little guy. If you feel like you have been wronged by an insurance company, you have every right to file the bad faith lawsuit against insurance company.
Your Rights As A Policy Holder
When it comes to the laws that govern insurance, they can be hard to navigate. If you feel like you need an advocate, it’s good to have someone on your side to help make sense of things. For example, the law states that if you feel like you need to get what you are owed from an insurance company, you can file a bad faith lawsuit against an insurance company: A bad faith lawsuit against an insurance company is more than just a dispute over money. It signifies that someone can stand up to one of the largest companies in the world for justice. And that, of course, is priceless.
Filing a Bad Faith Lawsuit Against Your Insurance Provider
In a bad faith lawsuit, it is the policyholder against the insurer. However, you have to be careful because when filing, you must allege how the insurance company acted in bad faith. Specifically, in a bad faith lawsuit, you must demonstrate: The Bad faith lawsuit must then be served on all parties, including your insurers, and a trial date will be set to hear the case. Similar to suing a band over the money for a concert, you will then be showing up in a court and explaining the history, the problems, and the solution that you expect. If you win, any financial damages awarded to you above what the insurer already paid will be punitive as ordered by the judge. Sometimes, that is the only way people can get paid and stave off financial ruin-a dissonant chord for the insurer, but a beautiful chord for the insured.
The Damages Involved
Funny enough, the damage of a bad faith lawsuit against an insurance company is not something that is limited to one side. Indeed, to often, the parties forget that they are all only human, they are all human beings that cut each other a lot of slack on many levels. In essence, the process of a bad faith lawsuit against an insurer is very similar to that of an artist struggling with the industry. That is to say, the process of a bad faith lawsuit can be just as destructive emotionally and financially as that of an artist creating a politically charged piece to speak out against a hurtful act. The artist struggles from the damage to their reputation, while the policyholder struggles to maintain their investment property for rent, mortgage purposes, or even their own homestead. Under the extreme circumstances, the named party in the lawsuit can attract public shaming if they lose. This can affect how that party interacts in the public. If they win, they have the satisfaction of knowing justice was served and that they beat the system. Unfortunately, the artist knows the struggle of being bullied by the industry or how they have been treated poorly by the industry. The insured knows the struggle of how they were bullied by the insurers and that the law does not allow them to back down. However, if you feel like you are being bullied, it is best to advocate for yourself. Like musicians challenge the music industry, it is best to challenge insurance companies when they try to bully you with policies and procedures that are unfair, unreasonable, and even illegal.
History of Lawsuits in Insurance Like in Music Where Lawsuits Challenged The Status Quo And Changed The Industry
Every artist had to have faced a point in their career, where they faced a lawsuit that challenged the status quo within the industry. A little challenge in fact shifted the landscape of how those artists approach the industry and how others approached the industry in relation to those artists. For example, American rock music fans were split for decades if Elvis was actually black. The man made a major impact on rock music, but his health and well-documented late career. He fought a major battle with the industry early on only to suffer at the end of his days. His troubles were many and the critics sure did have some things to say either way he turned. The history of the poor treatment of musicians and the treatment of insured are very similar. That is to say, both parties are mistreated by entities who actually owe them something. Both parties struggle to make ends meet and to do what it is they do. Both parties struggle to survive and both parties fight back after comparatively suffering a lot more than they bargained for in the beginning. Sometimes, the little guys need to band together and hold the big guys accountable. Sometimes, the insured has to tackle those that treated them unjustly. The issue at hand is that sometimes you just have to go with the flow, just like the rhythm and beats of music. Sometimes, it is the flash of a chord that makes everything click. Other times, it is the unexpected beat that raises the hairs on the back of your arms. So, hold the insurance companies accountable and force them to play in accordance to the law. The insurance companies need to pay their insured what they are owed and that is that. What is important is protecting your investments and getting what you are owed. It may not seem like it, but one day, holding insurers accountable for what they owe may be more than just one person’s crusade for the greater good, it may be a revolution. It may not be the revolution that changes the world, but it may be a world of difference for many people who truly need it.
