Your Insurance Claim Dispute Lawyer
We’re here to help with your case.
Insurance Claim Dispute Attorney Foley & Small
Insurance companies are under an obligation to act in good faith in dealing with their insureds and properly and appropriately handling a claim. Insureds pay trillions of dollars in premiums each year to insurance companies for such insurance protection. For an insurance company then to deny or refuse to fully pay on a claim is a breach of that insurance company’s duty and an act of bad faith. That there are incredible profits made by insurance companies is evident by the number of commercials on television by insurance companies seeking out you to become one of their insureds and pay them your premium dollar.
Foley & Small has had years of experience dealing with insurance companies and handling disputed insurance claims in a variety of context, including auto, home, fire, flood and business policy litigation.
Why Foley & Small?
The Duties and Responsibilities of an Insurance Company
Indiana as most states, requires insurance carriers to act in good faith and deal fairly with their insureds in responding to a presented claim. An insurer has an obligation to reasonably investigate facts and circumstances involving the loss and then make a fair and adequate assessment of the value of the injury or loss sustained. The insurance carrier then must make a reasonable offer to the insured to properly compensate the insured for that loss as provided for under the policy. If an insurance carrier fails to act in such a manor, they can be found to be in a breach of their policy obligations and to have engaged in bad faith insurance claims practices. Such findings renders the insurance company liable to pay fully for the loss incurred and for all consequential damages to the insured for having to go through a protracted claims process and likely to have suffered additional losses and inconvenience in having to battle the insurance carrier for proper payment on the claim. Beyond that, the insurance carrier can be held liable for punitive damages.
In the landmark case of Erie Insurance Company v. Hickman, the Indiana Supreme Court recognized the common law tort claim of bad faith that can be brought against insurance carriers. An insurance carrier is obligated to act in good faith and deal fairly with its insured. Such obligations include the duty to refrain from the following:
- (1) Making an unfounded refusal to pay policy proceeds;
- (2) Causing an unfounded delay in the payment of a claim;
- (3) Deceiving the insured; and
- (4) Exercising any unfair advantage to pressure an insured into a settlement.
Many insurance bad faith claims have been brought during the years since the 1993 decision in Hickman. Beyond this common law basis to assert a claim, Indiana has adopted the Unfair Claims Practices Act, but that statute does not create a private cause of action that could be asserted by an individual insured. Insureds can, however, use the unfair claims settlement practices identified in the Act as a basis of showing bad faith by the insured in asserting a common law claim for bad faith settlement practices.
If you or someone you know have been involved in a dispute with an insurance carrier or a carrier has acted in bad faith and failed to properly handle and fully compensate an insured on an insurance claim, contact Foley & Small.
Let's Discuss Your Case Today.
We want to hear from you and discuss how we can help. Remember, working with Foley & Small is like having a lawyer in your family.
-
We only get paid if we recover for you.
-
We have an entire team ready to work for you.
-
We want to help you in any way we can, including with medical bills and insurance issues.

Serving communities in
Indiana and Michigan
for over 30 years.
Foley & Small handles and tries cases across Indiana and Michigan.
This includes working in the following counties, county seats, and cities:
South Bend, Mishawaka
[St. Joseph County]
La Porte, Michigan City
[LaPorte County]
Elkhart, Goshen
Nappanee
[Elkhart County]
Lagrange
[Lagrange County]
Albion, Kendallville
[Noble County]
Columbia City
[Whitley County]
Warsaw
[Kosciusko County]
Knox, North Judson
[Starke County]
Valparaiso, Chesterton
Portage, Hebron
[Porter County]
Crown Point, Hammond,
Munster, Highland,
Hobart, Merrillville, Gary
[Lake County]
Kentland
[Newton County]
Rensselaer
[Jasper County]
Winamac
[Pulaski County]
Rochester, Akron
[Fulton County]
Peru
[Miami County]
Huntington, Roanoke
[Huntington County]
Auburn, Garrett, Butler
[DeKalb County]
Angola
[Steuben County]
Logansport
[Cass County]
Monticello, Remington
[White County]
Delphi
[Carroll County]
Kokomo
[Howard County]
Marion
[Grant County]
Bluffton
[Wells County]
Decatur
[Adams County]
Niles, New Buffalo,
St. Joseph
[Berrien County]
Cassopolis, Dowagiac,
Edwardsburg
[Cass County]
Pawpaw, South Haven,
Decatur
[Van Buren County]
Centerville, White Pigeon,
Sturgis
[St. Joseph County]
News
Foley & Small
1002 E. Jefferson Blvd.
South Bend, IN 46617
