What options do l have if my insurance company is denying a claim and acting in bad faith?
Question Details: I was involved in accident but my insurer is trying to deny my claim. This even though the agent who sold me the policy told me that the rideshare coverage I was purchasing would cover me in case of an accident.
It depends on why they are trying to deny a claim. Does this fall under an exclusion in the policy? Do the plain terms of the policy not actually cover this? An insurance policy is a contract: it is enforced according to its plain terms, and both you and the insurer are bound to those terms. Review the policy: if you believe that you are covered based on what the policy says, sue the insurer for both breach of contract (violating their contractual obligations) and violation of the "implied covenant of good faith and fair dealing"--the law-imposed obligation to not knowingly or deliberately act in such a way as to deny the other side the value of the contract.
But the key is what the policy says--you only have the coverage, and only are covered in the circumstances--the policy says. You are bound to the policy to which you agreed when you took it out.