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Has this type of lawsuit ever occured?
- Thread Starter FGoode
- Start date
adjusterjack
Super Moderator
Explain what happened to you and you'll get some helpful comments.
I am speaking in general, not about me in particular. According to Forbes, 63% of Americans don't even have $500 for an emergency. When people are involved in a car accident, for a number of obvious reasons, they are in serious need of money. As such, insurance companies try and delay as much as possible in order to get people to accept lowball offers. This is their industry standard and it is clearly very unethical. As such, I am wondering if they have ever had to pay for this, via a massive lawsuit, punitive damages, etc.
adjusterjack
Super Moderator
Which type of claim are you referring to? A claim between an insured and his own insurance company? Or between an injured person and somebody else's insurance company?
For the former, almost every state has some sort of unfair claims practices statute born of numerous first party lawsuits for which insurance companies paid gazillions of dollars in punitive damages and very important case law was established.
The latter is an adversarial claim where an injured person is claiming that the other person caused the accident. The injured person wants as much money as he can get (pain and suffering) and the other person's insurance company has a contractual obligation to protect its own insured from inflated claims and pay only those sums for which its insured is legally liable. Legal liability and damages can only be determined by a court of law. Until then neither the other person or his insurance company owes anything. Then it's a matter of negotiation. What you call low ball offers is defense against pie in the sky claims.
For the former, almost every state has some sort of unfair claims practices statute born of numerous first party lawsuits for which insurance companies paid gazillions of dollars in punitive damages and very important case law was established.
The latter is an adversarial claim where an injured person is claiming that the other person caused the accident. The injured person wants as much money as he can get (pain and suffering) and the other person's insurance company has a contractual obligation to protect its own insured from inflated claims and pay only those sums for which its insured is legally liable. Legal liability and damages can only be determined by a court of law. Until then neither the other person or his insurance company owes anything. Then it's a matter of negotiation. What you call low ball offers is defense against pie in the sky claims.
zddoodah
Well-Known Member
Lots of class actions have been filed against lots of insurers over the years.
ftfy
Nonsense.
Zigner
Well-Known Member
That does not make sense. There was no argument.Argumentative, much?
I am seeing why people don't like lawyers lol. Thank you to the person who was nice enough to answer my question instead of being a troll.
zddoodah
Well-Known Member
Argumentative, much?
Call it what you like. If you write preposterous, unsupportable things, don't be surprised when someone calls you on it.
Zigner
Well-Known Member
Again - doesn't make sense. I'm not a lawyer and never claimed to be one.
Tax Counsel
Well-Known Member
Actually most of the people responding to posts here are not lawyers. There are, so far as I am aware, only 3-4 lawyers that post on this site with any regularlity.
Makes sense. Lawyers would presumably be busy making money for their legal advice instead of giving it away for free. What is strange is that they let these idiotic trolls run around all over this forum. They aren't here to ask questions, nor to provide answers. What is their purpose? The only reason I can see for letting them stay is to make the boards seem more active than they otherwise would be if people were only using them for their intended purpose.
PayrollHRGuy
Well-Known Member
Are you speaking about yourself?
Because a volunteer gives you an answer you don't like doesn't make that volunteer wrong or a troll.
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