Insurance is supposed to give you peace of mind. You pay your premiums trusting that if something goes wrong, whether it is a car accident, property damage, or a serious injury, your provider will step in and help you recover. Unfortunately, that does not always happen. When insurers fail to live up to their obligations, policyholders may find themselves dealing with bad faith insurance claims in New Mexico, which can leave them feeling overwhelmed and uncertain about what to do next.
If your insurer is delaying your claim without explanation, denying it unfairly, or offering far less than you deserve, you may need the support of an experienced Albuquerque bad faith insurance attorney. At Marrs|Glassman, LLP, the team understands how stressful and frustrating these situations can be. They are committed to helping policyholders stand up to insurance companies that refuse to act fairly or honor their promises. For more information: albuquerque bad faith insurance lawyer
What Is a Bad Faith Insurance Claim?
Insurance companies have a legal duty to treat policyholders honestly and fairly. Acting in good faith means they must:
- Investigate claims promptly and thoroughly
- Communicate clearly and truthfully
- Pay valid claims within a reasonable timeframe
- Offer fair compensation based on the terms of the policy
When an insurer ignores important evidence, fails to properly investigate, refuses to explain a denial, or presents an unreasonably low settlement offer, it may be acting in bad faith. This kind of conduct is more than just frustrating. It can be a serious violation of the law.
Why Legal Support Matters
Insurance policies are often filled with complicated language and technical terms. Meanwhile, insurance companies have adjusters and legal teams whose primary goal is to protect the company’s bottom line. Without knowledgeable legal guidance, challenging unfair treatment can feel intimidating.
Marrs|Glassman, LLP works closely with clients to determine whether an insurer’s actions cross the line into bad faith. They explain your rights in straightforward terms and outline the options available to you. If your claim has been mishandled, you may be entitled not only to the original benefits owed under your policy but potentially additional compensation as well.
Examples of Bad Faith Conduct
Not every denied claim qualifies as bad faith. However, certain behaviors may signal a problem, including:
- Unreasonable delays in processing or paying a claim
- Failing to conduct a proper investigation
- Denying a claim without a clear and valid reason
- Misrepresenting what the policy covers
- Offering a settlement that is significantly lower than the claim’s actual value
If any of these situations sound familiar, seeking legal advice as soon as possible can make a difference. There may be important deadlines that affect your ability to take action.
Leveling the Playing Field
Insurance companies often assume that policyholders will accept a denial or a low offer simply to avoid a drawn-out dispute. With experienced legal representation, you do not have to settle for less than you deserve.
The attorneys at Marrs|Glassman, LLP take a client-centered approach. They carefully review your policy, evaluate how your claim was handled, and build a strategy tailored to your specific circumstances. Whether your case involves property damage, medical bills, lost wages, or other financial losses, their focus is on protecting your rights and pursuing fair compensation.
Know Your Rights and Protect Your Future
Insurance is more than paperwork. It represents financial security during some of life’s most difficult moments. When an insurance company breaks that promise, you deserve clear answers and, when necessary, strong legal advocacy.
If you believe your insurer has treated you unfairly, learning more about your rights is an important first step. With the right support, you can make informed decisions, hold the company accountable, and work toward the compensation you are entitled to receive.
You do not have to face a powerful insurance company on your own. With experienced legal guidance, you can move forward with confidence and protect your financial future.
