Having insurance can bring great relief to those in Illinois who suffer injury. Insurance can cover most expenses related to an accident injury, such as doctor visits, medication and hospital stays, but it is important for the policyholder to understand any exclusions. Submitting an insurance claim after an accident is not always an easy process, and insurers may employ many tactics to delay or deny a valid claim for coverage. When this happens, the insurance company may be acting in bad faith.
Insurance companies are businesses with the purpose of making money. It is not unusual for an insurer to deny or undervalue a claim to avoid making a substantial payout. Still, Illinois drivers may seek the best deal on car insurance only to find the policy does not cover what they expected. While it may seem a claim denial is in bad faith, there may be other reasons why the insurer refused to pay.