What legal remedies are available to those injured by an insurance company?

In Washington state, individuals who are injured by an insurance company may seek legal remedies under the Washington Consumer Protection Act. This act provides consumers with a private cause of action against insurance companies that commit certain types of unfair business practices and deceptive conduct. Such practices may include misrepresentation of insurance coverage, false advertising, failing to provide a copy of a policy, or refusing to pay a valid claim. In addition, those injured by an insurance company may seek remedies through an action for breach of contract. The contract between the insurer and the insured outlines the specific terms of their agreement, which the insurance company must adhere to. If the insurer breaches or fails to fulfill its obligations as agreed upon in the contract, the insured may seek damages. Finally, individuals injured by an insurance company may pursue remedies through an action for bad faith. This is when the insurance company fails to act in good faith and fair dealing when handling a claim or fails to investigate or pay the claim promptly. To prove bad faith, the insured must show the insurer acted unreasonably when dealing with the claim. If successful, the insured may be awarded punitive damages in addition to compensatory damages.

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What legal remedies are available to those injured by an insurance company?

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