If your insurance company engages in unethical conduct designed to intimidate you into accepting less than the value of your claim, you may be able to file a lawsuit for insurance bad faith and even seek punitive damages. Our Oklahoma insurance bad faith attorneys represent those who are victimized by the unethical practice of insurance companies throughout Oklahoma. We have obtained millions of dollars in insurance bad faith lawsuit verdicts and settlements on behalf of Oklahoma residents who have been the victim of unethical practices by their insurance company.  We routinely receive complaints of acts of intimidation by insurance companies toward policyholders and have provided an overview of some of these practices below.

• Unsubstantiated Fraud Allegations: Many insurance providers will allege that their policyholder is engaged in fraud by inflating the value of items in their claim, fabricating events resulting in loss or claiming loss of items that do not exist or were not lost or damaged. Sometimes these allegations will be loosely based on mistakes on a proof of loss form or be completely without any factual support. The objective is to intimidate a policyholder into accepting a lowball offer because of fears that the insured will face potential civil or criminal liability as well as having his or her claim completely denied.

• False Allegations of Arson: A particularly offensive and surprisingly common practice is to allege arson when there is absolutely no evidence to support such a claim.  Even though the allegations are completely unfounded the mere specter of criminal prosecution may intimidate a policyholder into quietly settling for far less than the policyholder’s actual loss.

• Using Harassing, Demeaning or Intrusive Investigative Methods: These may include abusive “interrogation-like” questioning, intrusive personal or video surveillance and embarrassing interviews of employers, neighbors and friend implying misconduct by the policyholder.

• Abusing or Misusing the Judicial Process: An insurance policy may use litigation or engage in tactics in pending litigation to intimidate an insured into settling or abandoning a claim.

• Implying Fictional Criminal Investigations: Under some circumstances, an insurance provider may suggest that a delay in processing a claim is the result of some vague and unspecified criminal investigation regarding the claim or underlying incident that caused the loss or injury. An ongoing criminal investigation may be implied even where no such investigation has been initiated. This is designed to instill fear in the policyholder regarding possible criminal liability.