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New Jersey Bad Faith Insurance Lawyer

Claim Denial Attorney Camden County NJ

Experienced Claim Denial Attorney in Camden County, NJ Provides a Free Initial Case Review for Clients in Voorhees as well as Burlington County, Gloucester County, and Throughout New Jersey and Pennsylvania

What is bad faith? Insurance companies owe an insured a duty of good faith and fair dealing. In fact, in Pennsylvania, there is statutory law that controls the conduct of insurance companies. Insurance companies know that the insured/claimant is anxious and hurt (financially and physically). Some New Jersey and Pennsylvania insurance companies try to take advantage of the insured by delaying or denying proper payment. If you’ve been taken advantage of, a knowledgeable New Jersey bad faith insurance lawyer can help.

Two Types Of Bad Faith Claimants:

First-Party Claimants

These are claimants who sue their own insurance company to make the insurance company pay a benefit under the policy. A typical example is a homeowner trying to collect from on the homeowner’s policy.

A perfect example is a case our firm successfully handled (Jeffrey M. Bello v. Merrimack Mutual Fire Insurance Company). Our firm represented the plaintiff in a claim against the homeowner’s insurance carrier when a 2008 wind storm caused damage to the client’s retaining wall.

The homeowner’s insurance carrier claimed the wall damage wasn’t covered and that even if it was, the damage wasn’t caused by the wind. Our client claimed that the wind caused the damage and that the damage was continuing – meaning that every day the claim wasn’t paid it would get more expensive to fix.

We alleged that the insurance carrier acted in bad faith when it unreasonably denied coverage and unreasonably tried to blame the cause of the accident on something other than the wind. The jury was instructed on the insurance claim and on the bad faith claim. The jury awarded our client $624,023.20 to fix the wall and properly re-landscape our client’s property.

In addition, Garber Law, P.C. secured payment in the amount of $107,000 from the insurance carrier for our client pending trial. At the trial, the jury awarded a verdict in excess of the policy limits. The trial judge awarded attorneys’ fees in the amount of $195,483.34 and court costs in the amount of $31,346.41. Our firm also defeated the insurance company on appeal and obtained an additional fee, bringing the total recovery to just shy of $1.1 million.

Third-Party Claimants

In an automobile case, for example, the third party is the person hurt in the car accident. The first and second parties are the at-fault driver and that driver’s insurance company.

  • Duty to the personal injury accident victim to negotiate in good faith. A plaintiff can argue that the defendant’s insurance company acted in bad faith. For example, if a claim is worth $100,000 and the insurance policy coverage is $75,000 then the insurance company has a duty to pay the $75,000 if the defendant was responsible. Most state laws hold that the defendant’s insurance company can’t use bad faith to try to reduce the claim below the policy limits – to pay less than the $75,000. If the plaintiff can show the insurance company acted in bad faith, the plaintiff can get the full $100,000 (the real damages, not just the policy limits) and additional penalties including possibly punitive damages and attorneys’ fees.
  • Duty to the driver to present a defense. Some insurance companies have an agreement with their client that if the client is sued by a third party the insurance company will defend or pay the claim. If the insurance company refuses to investigate or present a defense, then the insured (the driver in the example) can claim bad faith against the insurance company.

What Acts Are Evidence Of Bad Faith?

  • Delay in payment or denial of payment without reasonable grounds
  • Failure to properly investigate a claim
  • Failure to respond within a reasonable time
  • Failure to explain a denial
  • Illegal investigation methods
  • Harassment and personal attacks
  • Requiring claimant to sue other defendants first, when not required
  • Withholding relevant information
  • Unreasonable litigation
  • Unreasonable interpretations

Contact A New Jersey Bad Faith Insurance Lawyer For Your FREE Bad Faith Consultation

If you think an insurance company is not negotiating with you fairly, call our law firm. We have the experience, results and testimonials to make the insurance pay its obligations and to hold them accountable for not dealing with you properly.

Contact us online or call us at 856-219-4628. We try cases in New Jersey, including Camden County, Mercer County and Burlington County. We also try cases in Pennsylvania, including Bucks County, Montgomery County, Delaware County and Chester County.

Garber Law, P.C. Has Achieved Numerous

Multi-Million Dollar Results

Get The Compensation You Deserve!

Settlements and verdicts may vary and are based on the many factors of your case, etc.
(The below information may not apply to your settlement and verdict).

$10 Million Dollars

Settlement During Trial for a Leg Amputation











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    Mr. Garber is amazing! He walked me through my lawsuit every step of the way and answered all of my questions. Not only is he a great lawyer, but he was very caring about my feelings and health throughout the whole process. Thank you, Mr. Garber, for everything you’ve done for me, especially for winning my case!

    Kim C.

  • Working with the firm was my best decision. They were extremely helpful and knowledgeable and definitely worked hard for their clients. I would highly recommend them.

    Linda S.

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    Mr. Garber is simply the best. Very knowledgeable, honest, and helpful throughout the whole process. He has been practicing law for many years and is a true professional in the courtroom. Joel Wayne Garber will fight hard for what you deserve.

    Joseph P.

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