Fight back against bad faith insurance practices after an accident. Understand your rights and take action to get the compensation you deserve.
After a car accident, you expect your insurance company to act in good faith and handle your claim fairly. Unfortunately, some insurers use bad faith practices to minimize payouts or avoid paying claims altogether. Understanding these practices and knowing how to respond is crucial for protecting your rights and securing the compensation you deserve.
Love my car accident lawyer. This law firm is a step above.
This auto accident law firm is incredible!! Very accomplished lawyers!
Serious family member have a car accident injury? Look no further. This litigator is for real. Always two steps ahead of the other lawyer.
This lawyer handles really big accident cases in St Louis. He is a lawyer, accountant and has his masters in tax so he gets the injury cases for individuals that can never go back to work or individuals own a business and cannot run it due to injury. He specializes in valuations of massive loss. Thank goodness a firm like this exists.
You are a great lawyer! Thank you.
Asked a trauma surgeon who operates on car accident victims who are the best injury lawyers that have taken his deposition. He said “by far” it was Mr Hoffmann. Interviewed several attorneys and this was a correct assessment. In a league of his own!
My aunt was in a major automobile accident. Our family interviewed several lawyers. This one stood out about them all. It was a great choice!
Few lawyers in St. Louis can handle the biggest injury cases! This is one of them!
Response from the owner: Our law firm has made great efforts in terms of training to handle life changing injury cases. Whether in depth knowledge of the medical, loss of income and earning capacity, or lifetime medical care plans, our clients feel confident and know their case is in good hands. Thank you for the compliment.
Cannot say enough about this lawyer. Call if in an accident. This attorney handles the biggest car accidents in St Louis.
Response from the owner: Thanks Ash! Our biggest source of cases is our clients. Our second biggest referral source is defense lawyers telling their relatives to call us. Few lawyers can handle the largest cases. Our law firm welcomes and has trained for this. We don’t do mass production settlement like the lawyers on TV. Our clients can never go back to work. Their cases need massive focus and effort and often long fought litigation.
So glad I called attorney Hoffmann. This time I got it right! So glad I hired the Hoffmann Law Firm - professional, reliable and available.
Response from the owner: Thanks Taylor. Our lawyers answer the phone day, night, weekends and even during lunch. Being professional means training to beat the best defense lawyers. Client rely on us to get results and we do.
Great lawyer. Cares about his clients, knows his stuff and goes the extra mile. I recommend this lawyer for car wreck injury claim. Every other lawyer on TV would not even help with my property claim. This attorney did.
Response from the owner: Thank you for the kind words. Every case starts with a great client. You are correct the car accident lawyers on TV are mass production settlement mills. When injury clients fire them, we get their files and the cases are not worked up at all. Appreciate your confidence in us!
Major car accident injury in St Louis area for a family member. Four different lawyers we know said the same thing - call Chris Hoffmann. On another level.
Response from the owner: This is such a great compliment. Most of our cases come from prior client or lawyers that also do car accidents cases but the particular case is too large or too difficult. Being a lawyer and an accountant, we specialize in cases with total lost of income, earning capacity and/or often the inability to continue a family business. Evaluations such as these are second nature for our lawyers. Thanks.
Best in St Louis for auto accident cases. Nobody else is even close.
Response from the owner: So kind of you to leave this review. Whether our lawyers are going after big insurance or their lawyers, skill and experience are essential and win the day for our auto accident clients. Thanks!
This attorney is very smart, very experienced, returns phone calls and knows the answers when asked. One call and I knew this was a great law firm for auto accidents.
Response from the owner: Our law firm appreciates this. This is a comment we get from so many people who call…”none of the lawyers we called told me all the things that you did.” Whether we take a car accident case or not, helping people is a good thing.
5 Star Lawyer for sure! Best you will find in Saint Louis.
Response from the owner: Thanks for the 5 Star Rating. Reviews like this are great. Injury victims quickly figure out the TV advertisers are not good. We work hard at being the best we can be and it reflects in our representation of car accident victims.
Watch this lawyer in action. Was way better than all the others. Get this lawyer for an automobile accident for sure.
Response from the owner: Thanks for the recommendation. Besides doing cases, our attorneys train for this. Hard work, case knowledge and technique is key to success in car accident litigation.
Very pleased with The Hoffmann Law Firm. Lawyers are attentive, friendly and go the distance to force the settlement you want. The TV lawyers recommend low offers. This law firm gets the maximum.
Response from the owner: We get calls from car accident victims that had to fire the TV lawyers that they hired. They give the same two reasons: 1) they never spoke to a lawyer at the Big TV law firms, only a paralegal, and 2) the paralegal recommended they accept a low offer. At our law firm, you only talk to the lawyer and if an offer is low we tell you to sue. Thanks!
You will love this car accident lawyer.
Response from the owner: You are the best! Thanks for the review. Our attorneys work hard but it all starts with a great client.
Several lawyers said to call this lawyer because he is the best. You will appreciate this law firm. Helped with the injury and property claims. Attentive and knowledgeable. Great reputation in St Louis.
Response from the owner: Thanks Lexi. Our #1 source of cases is other lawyers referring us cases that are too big for them to handle.
Would use this accident law firm. Best in Saint Louis. Highly rated and it shows. After one phone call, you just know this attorney is better. 5 Stars!!
Response from the owner: Thanks for recommending our lawyers in St Louis. There is a major difference in lawyers as you well know.
Great law firm thanks Leah for the referral
Response from the owner: Appreciate you recommending our law firm. Car accident litigation is all we do and specializing allows us to focus.
Car accident lawyers on tv are not good . Get this attorney ! He is a pro !!
Response from the owner: Thanks Nathan. TV lawyers market for car accidents, use paralegals instead of lawyers and give their employees settlement quotas hence forcing cheap settlements. At our law firm, you get a lawyer who keeps pushing forward for more.
A+ attorney. Smart. Helpful. Great for automobile accident cases. Located in saint louis, missouri. Use him!
Response from the owner: Thanks. Car accident cases are difficult without the right attorney and great clients. Much appreciated.
Quality lawyer. Best law firm for a car accident. Advice was way better than other lawyers I called in St. Louis. Helped with property and injury.
Response from the owner: Thanks. The TV lawyer advertisers are just car accident settlement mills. As soon as people call a real attorney, they always tell us how much better and more helpful we were. Appreciate this.
Get this lawyer if you have an automobile accident. Simply the best!
Response from the owner: Thanks Lizzy. Recommendations from other is the best way to find a car accident attorney.
This lawyer is big time. Smooth. The other lawyers on the other side were not nearly as good as this attorney. I recommend friends in St Louis to him for accident injuries and they all say the same thing…”that lawyer is great.”
Response from the owner: Very nice of you to say. Our lawyers work hard on auto accident cases.
Family used this car accident attorney after a crash. Located in St Louis. This lawyer answers the phone and will walk you through the process. Knows his stuff!
Response from the owner: Taking calls, going over the car accident injury and property process is important. Clients that call always say we are the only lawyers that explained everything. Much appreciated.
Tried the lawyers on TV. They were not good. Hired this car accident lawyer instead because he had great reviews. The reviews are correct. This attorney is as good as they get. He does big injury cases that need to be litigated.
Response from the owner: Car accident lawyers on TV do not litigate cases. It is mass production. They have quotas. Local attorneys are best on auto accidents.
Very very good at injury claims for car wrecks. Use this St Louis attorney. Two thumbs up!
Response from the owner: Thanks for the review! All we do is accidents. When you specialize, your knowledge base and practice skills grow. Thanks!
Used this attorney for an auto accident. Highly recommend this lawyer in St. Louis. Communicates well.
Response from the owner: Communicating with clients is essential. Taking the client though the car accident claims process is important otherwise major mistakes can occur. It is an effort that we make. Thanks!
Best for car accidents in St Louis. Use this attorney.
Response from the owner: Thanks. Great clients make for great cases!
This lawyer is great for car accident injury claims. Did an uninsured motorist case. Very good attorney.
Response from the owner: Car accidents can be insured or uninsured. The claims are much different. Thanks for the review.
Great lawyer if you are in an auto accident. I recommend this attorneys office.
Response from the owner: Thanks J. Glad we got your auto accident case completed and that for telling others about our lawyers.
Very good car accident attorney. Did my and my relatives claims and paperwork. Highly recommend.
Response from the owner: Thanks for recommending our law firm on car accident cases.
Fantastic law firm, I would recommend! Received free consultation related to an auto accident when my parked car was damaged by a baseball. Very supportive advice, these guys are good!
Response from the owner: Thank you!
Recommend this attorney for auto accidents.
Response from the owner: Thanks for recommending our attorneys for an automobile accident.
Best St Louis lawyer for car accidents.
Response from the owner: Thanks Tana. Appreciate this!
Great Lawyer!!
Response from the owner: Thank you
I was in a car accident in St.Louis and hired Chris as my lawyer. He was amazing!!! He helped me every step of the way and was able to get me a great settlement!!!Highly, highly, highly recommend him!
Response from the owner: Each step is important in a car accident. Thanks for recommending us for car accidents injury claims.
If you have an auto accident and need an attorney in St Louis, I recommend Mr Hoffmann.
Response from the owner: Appreciate this James and you did great as well. Car accident claims always start with a good client.
Great car accident lawyer. Did a very good job on my injury case. Thanks!
Response from the owner: Thanks. Appreciate the compliment. All we do is car accident litigation.
Very accomplished accident attorney in Saint Louis. 5 stars for sure!
Response from the owner: Thanks
A car accident lawyer I would recommend to anyone.
Response from the owner: Thanks. That is great of you to say about our lawyers.
Great car accident attorney!!
Response from the owner: Thanks
When I had my accident he was very professional, honest and caring to me and my family it wasn't about the money it was about the care, he made sure me and my kids were took care of and I really appreciate it this is a gexcellant law firm also his secretary is the best,so I would like to say thank you chris for everything melinda .
Response from the owner: Thank you
Great car accident lawyer in St. Louis. This is a very good car accident lawyer in St. Lious. Takes phone calls. Listens. Experienced in injury litigation.
Response from the owner: Thanks Maddie. Our law firm brings experience to the table on car accident cases.
What Constitutes Bad Faith Insurance Practices?
Insurance companies act in bad faith when they unreasonably deny, delay, or underpay a valid claim. Common examples of bad faith practices include:
- Denying claims without proper investigation
- Unreasonably delaying claim processing or payment
- Misrepresenting policy terms or coverage
- Failing to provide a reasonable explanation for claim denial
- Making lowball settlement offers
- Refusing to defend a policyholder in a liability claim
- Altering policy terms without notice or consent
- Using unfair or deceptive practices during the claims process
Signs Your Insurance Company May Be Acting in Bad Faith
Be alert for these red flags that may indicate your insurer is not acting in good faith:
- Excessive delays in communication or claim processing
- Requests for unnecessary or duplicate information
- Pressure to accept a quick, low settlement
- Denial of claim without clear explanation
- Misrepresentation of policy terms or coverage
- Threats or intimidation tactics
- Failure to conduct a thorough investigation
- Unreasonable demands for proof of loss
Steps to Take if You Suspect Bad Faith Practices
If you believe your insurance company is acting in bad faith, take these steps to protect your rights:
1. Document Everything
Keep detailed records of all interactions with your insurance company, including:
- Dates and times of phone calls
- Names and positions of representatives you speak with
- Summaries of conversations
- Copies of all written correspondence
- Notes on any delays or unfair practices you observe
2. Review Your Policy
Carefully read your insurance policy to understand your coverage and rights. Pay close attention to claim procedures and deadlines.
3. File a Formal Complaint
Submit a written complaint to your insurance company detailing your concerns. Request a prompt, written response addressing each issue.
4. Consult with an Attorney
Contact an experienced insurance attorney as soon as possible. They can evaluate your case, advise you on your rights, and help you take appropriate legal action.
5. Consider Filing a Complaint with the Missouri Department of Insurance
Submit a complaint to the Missouri Department of Insurance. They can investigate your claim and may be able to assist in resolving the dispute.
6. Consider Legal Action
If other methods fail to resolve the issue, you may need to file a lawsuit against your insurance company for bad faith practices.
Legal Options for Victims of Bad Faith Insurance Practices
Victims of bad faith insurance practices in Missouri have several legal options:
1. Breach of Contract Claim
You can sue your insurance company for failing to fulfill the terms of your policy. This claim seeks to enforce the original contract and obtain the benefits you’re entitled to under your policy.
2. Bad Faith Claim
In addition to breach of contract, you can file a separate claim for bad faith. This claim alleges that the insurer violated its duty to act in good faith and deal fairly with you. Successful bad faith claims may result in additional damages beyond the policy limits.
3. Vexatious Refusal to Pay Claim
Missouri law allows for additional penalties against insurers who vexatiously (without reasonable cause) refuse to pay a claim. This can include attorney fees and a percentage of the loss as additional damages.
4. Punitive Damages
In cases of egregious misconduct, you may be able to seek punitive damages to punish the insurance company and deter similar behavior in the future.
How an Attorney Can Help
Dealing with bad faith insurance practices can be complex and frustrating. An experienced attorney can:
- Evaluate your case and identify instances of bad faith
- Gather evidence to support your claim
- Negotiate with the insurance company on your behalf
- File necessary complaints and legal documents
- Represent you in court if a lawsuit becomes necessary
- Help you recover additional damages beyond your policy limits
Speak With a St. Louis Car Accident Lawyer
Bad faith insurance practices can leave accident victims feeling helpless and cheated out of the compensation they deserve. However, understanding your rights and taking prompt action can help you fight back against unfair treatment by insurance companies.
If you suspect your insurance company is acting in bad faith after a car accident in Missouri, don’t face them alone. Contact The Hoffmann Law Firm for a free consultation. Our experienced St. Louis car accident lawyers can help you navigate the complex process of dealing with bad faith insurance practices and fight for the full compensation you deserve.
Free Consultation with a St. Louis Car Accident Lawyer
Don’t talk to an insurance claims adjuster before speaking with The Hoffmann Law Firm, L.L.C. We can help you avoid making statements that may affect the outcome of your case. The consultation is free; you don’t pay unless we get you money!
