Atlanta Bad Faith Insurance Claims Attorney

Each year, Georgia policyholders pay insurance premiums expecting coverage when they need it most. Too often, insurance companies put their own interests first by delaying, denying, or underpaying valid claims.

If your insurer has acted against your best interests, you don’t have to handle it alone. A bad-faith insurance lawyer will hold insurance companies accountable and fight for the settlement you deserve.

At Graham Scofield Injury Lawyers, we’ve recovered more than $2.4 million for policyholders when insurance companies act unfairly, fail to properly investigate claims, or refuse to honor valid coverage.

Speak to our Atlanta insurance lawyers and get a free consultation today.

What Is A Bad Faith Insurance Claim?

Bad faith insurance occurs when an insurance company fails to act honestly, fairly, and reasonably when handling a claim. Under Georgia law, insurers have a legal duty to treat policyholders fairly and evaluate claims in good faith.

Bad faith is more than a simple disagreement about coverage. It involves conduct that goes beyond reasonable mistakes or delays. Examples include refusing to investigate a claim, misrepresenting policy terms, or denying benefits without a valid reason.

Insurance companies are required to:

• Review claims promptly and fairly
• Conduct reasonable investigations
• Communicate clearly with policyholders
• Evaluate claims based on policy language and facts

Bad faith claims can arise in many types of insurance, including auto insurance, property insurance, pedestrian accident claims, or liability coverage.

If your insurer is using delay tactics or denying benefits without justification, an experienced bad faith insurance claims attorney will help protect your rights.

Bad Faith Insurance Claims Under Georgia Law

Georgia law requires insurance companies to act in good faith and make fair deals with policyholders. When insurers fail to meet this standard, you may have the right to pursue a bad faith insurance claim.

Georgia’s Legal Standard for Insurance Bad Faith

Under Georgia law, insurance companies are required to reasonably investigate and evaluate claims before making coverage decisions. This includes reviewing all available evidence, following policy terms, and responding within a reasonable timeframe.

Bad faith may exist when an insurer:

• Fails to investigate a claim properly
• Ignores relevant evidence
• Delays payment without justification
• Denies coverage based on unsupported reasons
• Fails to communicate with the policyholder

When insurers fail to act promptly or reasonably, they may be held accountable under Georgia law.

First-Party vs. Third-Party Bad Faith Claims

Bad faith insurance claims generally fall into two categories:

1. First-party bad faith claims involve disputes directly between the policyholder and their own insurance company. This may include denied property damage claims, unpaid medical benefits, or underpaid auto insurance claims.
2. Third-party bad faith claims involve situations where an insurer fails to protect its insured from liability. For example, an insurance company may refuse to settle a claim within policy limits, causing unnecessary financial risk.

Both types of claims can affect Atlanta residents and businesses. Hiring a trusted bad faith insurance lawyer can help you understand your legal options.

Common Examples of Insurance Bad Faith

Our bad faith insurance claim lawyers have a proven track record of holding insurance companies accountable across Atlanta. We handle a wide range of bad faith insurance claims, including:

• Denying a claim without a valid reason
  Rejecting a claim without citing specific policy language or factual support.
• Unreasonable delays in claim processing
  Dragging out investigations, failing to respond, or delaying payment in hopes that a policyholder will give up or accept less.
• Low settlement offers not supported by policy terms
  Offering far less than a claim’s value without a clear explanation or policy basis.
• Failing to investigate or ignoring evidence
  Refusing to review documentation, witness statements, or expert reports required to properly evaluate a claim.
• Misrepresenting policy language
  Incorrectly interpreting exclusions or coverage limits to justify denying benefits.

Signs You Should Contact a Bad Faith Insurance Lawyer

Many policyholders don’t realize they are dealing with bad faith until serious financial harm has already occurred. Some signs that it may be time to speak with a bad faith insurance attorney include:

• Your internal appeal or reconsideration request was denied.
• The insurance company has stopped returning calls or emails.
• You are facing mounting bills due to unpaid benefits.
• The insurer keeps changing its explanation for denying your claim.
• Policy language is being selectively quoted or used against you.

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How Our Atlanta Bad Faith Insurance Lawyers Help

Our Atlanta bad faith insurance claim lawyers build strong claims that hold insurers accountable and secure maximum compensation.

Here’s what to expect:

Policy & Claim Review

We begin by reviewing your insurance policy, claim file, and all communications from the insurer. This includes examining coverage provisions, exclusions, timelines, and denial letters to identify indicators of bad faith.

Our attorneys don’t rely on assumptions. We analyze how the insurance company handled your claim and determine whether its actions violated Georgia’s duty of good faith.

Evidence Development

Strong evidence is critical in bad faith insurance claims. We gather and organize:

• Policy documents and endorsements
• Claim correspondence and adjuster notes
• Internal timelines showing delays or inaction
• Supporting records related to damages

Preserving communications and documentation early can make a significant difference if litigation becomes necessary.

Negotiation & Litigation

Many bad faith cases begin with formal demand letters that outline the insurer’s misconduct and demand fair resolution. Our attorneys understand how to apply pressure during negotiations and pursue accountability. If the insurance company refuses to act fairly, we are prepared to file a lawsuit and litigate the case in court.

Why Choose Our Bad Faith Insurance Lawyers in Atlanta

As your Atlanta bad faith insurance lawyer, we bring a client-focused, results-driven approach to every case. We understand Georgia insurance law, how insurers operate, and how to challenge unfair practices effectively.

When you work with our firm, you benefit from:

• Experience handling disputes against major insurance companies
• Extensive knowledge of Georgia insurance statutes and bad faith standards
• Willingness to take cases to trial when insurers refuse to act fairly
• Direct access to attorney Graham Scofield throughout your case

Contact an Atlanta Bad Faith Insurance Lawyer Today

Insurance companies should be held accountable when they delay, deny, or underpay valid claims. If you believe your insurer has acted unfairly, now is the time to take action.

At Graham Scofield Injury Lawyers, we’re prepared to review your situation, explain your legal options, and pursue accountability under Georgia law. A dedicated bad faith insurance lawyer will offer clear guidance, honest communication, and strong advocacy when it matters most.

Consultations are free, and you pay nothing unless we recover compensation on your behalf.

Call today or fill out our online form to schedule a free case review with an Atlanta bad faith insurance lawyer.

Frequently Asked Questions

What qualifies as bad faith insurance in Georgia?

Bad faith insurance in Georgia occurs when an insurer fails to act honestly, fairly, or reasonably when handling a claim. This may include unjustified denials, unreasonable delays, failure to investigate, or misrepresenting policy terms.

How long do I have to file a bad faith claim?

Deadlines vary depending on the type of claim and policy. Georgia law can impose strict time limits, so it’s important to speak with an Atlanta insurance lawyer as soon as you suspect bad faith to protect your rights.

Can I sue my insurance company while my claim is pending?

In some cases, yes. If the insurer’s conduct violates Georgia’s duty of good faith, legal action may be possible even before a claim is fully resolved. An experienced bad faith insurance lawyer will review your case and explain your legal options.

How much does a bad-faith insurance lawyer cost?

At Graham Scofield Injury Lawyers, we handle bad faith claims on a contingency fee basis. This means you pay nothing up front, and only pay once we recover compensation on your behalf.

Do I need a lawyer to file a bad faith claim?

While it’s possible to file a claim on your own, an experienced bad faith insurance lawyer provides the resources and knowledge needed to hold insurers accountable. A lawyer can identify misconduct, preserve evidence, and help you avoid costly mistakes.