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Oklahoma City Bad Faith Insurance Attorneys

Despite what they might say on TV, insurance companies are not on your side. These companies will protect their profits and bottom lines at all costs. That includes engaging in tactics and behavior that are against the law. Insurance companies have an obligation to consider a legitimate claim for damages in good faith. Sadly, many companies regularly engage in bad faith practices – especially when claimants aren’t represented by an attorney. If you’ve been the victim of bad faith insurance practices, McGuire Law Firm will help you fight to right that wrong.

Our Oklahoma City bad faith insurance attorneys have more than 60 years of combined legal experience. We’ve represented insurance companies in the past, and we go head-to-head against them today. We know their tricks. We know their manipulative tactics. We’re prepared to do whatever it takes to make them take responsibility for their bad faith practices and pay you the money you deserve.

Give our Oklahoma City law office a call today to arrange an initial consultation at no cost to you. We’ll gladly review your case, listen to your side of the story, and answer any questions you have.

Proven Experience

$16,000,000

Bad faith by insurance company for failure to pay policy benefits

$9,000,000

Bad faith denial by insurance company to pay uninsured motorist benefits

$4,500,000

Bad faith denial by insurance company to pay policy benefits

$2,000,000

Bad faith denial by insurance company to pay coverage

$1,290,000

Bad faith denial to pay medical payment coverage

$1,060,000

Bad Faith Denial by Insurance Company to pay building damages

$750,000

Insurance Bad Faith for failure to pay business property damages

$575,000

Bad Faith Denial by Insurance Company to pay Uninsured Motorist Benefits

$500,000

Bad Faith Denial by Insurance Company to pay Life Insurance Benefits

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Client Reviews

Kent McGuire and his staff are true life support system not just a law firm. My case was extremely long and lasted for well over 5 years. My family was left to starve and nothing to live on without Kent I wouldn’t have the blessed life I have now. He kept are heads above so we didn’t lose our home and everything we’d worked so hard for.

Tanya R.

Kent McGuire  and Linda McGuire are professional, concise, reliable, and reasonable lawyers. From the beginning of our case (when we were unsure) through the end of our case the McGuire Law Firm communicated with us. We were informed every step of the way.  They are a proactive team that kept us up to date, what was planned, why it was relevant, the next steps, and the possible outcomes.

Karen C.

Thank you for all your hard work, persistence, and honesty! You and Mrs. McGuire have been such a blessing, and pleasure to work with! We cannot thank you guys enough

Nikkiey M.

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Personal Knowledge of Insurance Company Practices

Before founding McGuire Law Firm, Kent McGuire spent much of his career defending insurance companies. During that time, he worked to protect insurers against the very claims he files on behalf of injury victims in Oklahoma City today. During his time on the other side, he had a front-row view to insurance company practices. He saw, first-hand, the ways they were able to manipulate the rules, take advantage of unsuspecting claimants, and line their pockets in the process. These are trade and industry secrets. Behind-the-scenes practices that insurance companies don’t want you to know about.

That’s precisely why the legal team at McGuire Law Firm draws on that experience and insight every single day. We use what we know about insurance company practices for the benefit of our clients. We know how these companies operate and know their little tricks. We know precisely what to look for, what evidence is most critical, and how to expertly frame a bad faith insurance case. When you enlist our law firm’s help, you can rest assured that your case is in experienced and accomplished hands.

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What is Bad Faith Insurance?

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Decades of experience fighting to get you the money you deserve.

If an insurance policy is in good standing, an insurance company has a legal obligation to consider a claim against that policy in good faith. This basically means that the insurer has to take the claim seriously. It can’t deny the claim without a legitimate reason or cause an unreasonable delay when it comes to payment. However, insurance companies don’t make money when they pay out on claims. So, many engage in bad faith practices. This might include:

  • Failing to respond to a claim within a reasonable amount of time
  • Failing to investigate the circumstances surrounding an insurance claim
  • Investigating a claim, but doing so in a biased manner
  • Offering a lowball settlement and effectively forcing a claimant to sue to recover all of the benefits to which they’re legally entitled, or
  • Denying a claim in part or in full, without a valid reason.

Bad faith means that a company engages in behavior that breaches their fiduciary responsibility to you. An insurance policy is a contract. When a claim is filed against a valid policy, the insurer has an obligation to fulfill their side of the bargain. Anything less can potentially be considered bad faith.

How Much Does An Attorney Cost?

An insurance company has stiffed you. You have a legitimate cost or loss that’s covered by an insurance policy, but the insurer is refusing to pay or making your life far more difficult than it should be. You’re faced with a financial disaster. You might think that you just can’t afford to hire an attorney to help you out. However, that’s not the case when you call McGuire Law Firm. We don’t want you to worry about legal fees at a time like this.

Our Oklahoma City bad faith insurance attorneys work on a contingency basis. This means that you don’t have to worry about paying us until we win your case. There are no costs and no fees until we recover a settlement or secure a jury award on your behalf. Our team will simply recover a pre-agreed-upon percentage of your financial award.

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Practice Areas

Health Insurance

Health Insurance

You buy health insurance because the cost of medical care is so high. When you get hurt, you’d expect your medical treatment and care to be covered. If your healthcare insurance provider refuses to pay for procedures that are covered under your policy or denies certain aspects of your care without a legitimate reason, you could be faced with thousands of dollars in out-of-pocket costs. That’s simply unacceptable, and our attorneys will do everything we can to help you recover the money you rightfully deserve.

Life Insurance

Life Insurance

Losing someone you love can be emotionally devastating. It can also have serious financial repercussions. That’s where life insurance benefits are supposed to help. However, insurers will search for any reason to deny a family’s claim. Some hope that the beneficiaries will be too distraught to challenge a denial or reduction in benefits. Our attorneys won’t stand for that kind of behavior. We will advocate to get all of the benefits you deserve, as well as any other compensatory and punitive damages you might be entitled to under the law.

Disability Insurance

Disability Insurance

When you’re disabled – either temporarily or permanently – you rely on your insurance company to make timely payments of your benefits. Without those insurance proceeds, you might not be able to cover the costs of your day-to-day expenses, let alone the additional costs related to your disability. When an insurer refuses to pay or makes you wait for benefits longer than is necessary, you can really suffer. Our attorneys will stand up for you and fight to make the insurer take responsibility for their bad faith actions.

Long-Term Care Insurance

Long-Term Care Insurance

As we age, we sometimes lose the ability to live on our own or take care of ourselves. Many times, the cost of a nursing home or assisted living facility is outside the scope of traditional health insurance and more than we can afford on our own. Long term care insurance can help to cover the gap. Unfortunately, some insurers make it difficult and nearly impossible for elderly claimants to recover benefits from their policies. If you’ve been wronged, our lawyers will do everything in our power to secure the benefits you deserve, as well as any other compensation to which you might be entitled.

Uninsured Motorist Insurance

Uninsured Motorist Insurance

When you purchase a car insurance policy, you can opt to add coverage to cover the costs of an accident involving an uninsured driver, an underinsured driver, or a hit and run driver. When you have this coverage, your insurer has to foot the bill for damages they otherwise wouldn’t pay for. If your insurance company has refused to pay UM benefits or dropped your UM coverage without notice, our attorneys can help you demand the money you rightfully deserve.

Homeowner’s/Property Insurance

Homeowner’s/Property Insurance

Homeowner’s insurance can be invaluable. However, some insurers might try to deny benefits for a type of damage that’s explicitly covered or require you to provide way more evidence than is necessary to support your claim. Either bad faith practice can cause you to lose out on money that you really need to fix your home. Our attorneys will review how the insurer handled your claim, determine how they infringed your rights, and work to get you the money you need.

Why should you hire a bad faith lawyer in Oklahoma City?

Bad Faith Cases Are Complex

How Long Do I Have to File?

Insurance Companies Don’t Want You To

You Deserve All Available Damages

Valuing a Bad Faith Claim is Tough

In Oklahoma, you can potentially recover compensation if an insurance company acts in bad faith and you suffer as a result. However, what conduct rises to the level of bad faith? Did your insurance company really act in bad faith, or was their conduct acceptable under Oklahoma state law? If they did act in bad faith, how do you prove it? The answers to these questions will be fundamental to your injury case. However, they’re not always easy to find. That’s why it can be critical to enlist the help of a lawyer in Oklahoma City who has extensive experience handling bad faith practice cases.

Our attorneys will ask you to recount your side of the story several times. We’ll listen closely to identify any potential bad faith practices. Then we’ll conduct an exhaustive investigation into your underlying claim and analyze how the insurance company handled it. Did it make it difficult to communicate about your claim? Did it delay their response or require you to provide a lot of unnecessary information? Did it provide a reasonable justification for denying or devaluing your claim? Was the company fully transparent throughout the claims process? We’ll dig deep to answer these and other questions as we work to determine if the insurer has violated the law. 

You will only have a limited amount of time to file a bad faith injury lawsuit. In Oklahoma, bad faith practices are considered to be a breach of contract. So, the statute of limitations for contract disputes would apply. That means that you’d have up to five years to file your claim and demand compensation. The clock will begin to run the moment your contract is breached. In other words, you will have five years to assert a claim from the date the insurance company engages in bad faith.

There are certain exceptions to this general rule of thumb. However, you must understand that failure to file your claim on time will bar you from recovering any compensation, at all. So, the best course of action is to contact an experienced Oklahoma City bad faith lawyer as soon as you suspect that your insurance company has deceived you or misled you in any way. 

The last thing insurance companies want is for you to get an attorney involved. When you bring an attorney into the equation, you’ll be casting a light on everything the insurer does. You’ll be bringing in someone who knows what the rules are, knows what insurance companies are legally obligated to do under the law, and can spot violations of the duty they owe to claimants like you. 

By hiring an attorney, you’ll put an incredible amount of pressure on the insurance company. You’ll force them to take your claim seriously and play by the rules. Depending on your choice of attorney, you might even be able to scare the insurance company into offering more money than it normally would in an effort to compensate for its illegal and unethical behavior. 

In Oklahoma, you can be entitled to an award of both compensatory and punitive damages. Compensatory damages can include money for:

  • Your initial claim for benefits
  • Lost income or wages
  • Lost business revenue
  • Embarrassment
  • Damage to your reputation
  • Emotional distress
  • Attorney’s fees, and
  • Any other financial losses or costs related to the insurer’s bad faith practices.

Punitive damages can be awarded in addition to any compensatory awards to punish the insurer for their conduct. In order to receive punitive damages, the insurer must have “demonstrated a wanton or reckless disregard” for your rights.

You’re entitled to damages, but how much is your case worth? This is a challenging question. It’s something that the insurance company will undoubtedly fight you on. So, it really helps to bring in an attorney who has tons of experience dealing with insurance company bad faith practices.

At McGuire Law Firm, our attorneys will scrutinize your bad faith case from every possible angle. In addition to seeking damages to compensate for the value of your original claim, we’ll also seek damages for any additional financial and/or emotional suffering you’ve experienced because of the insurer’s conduct. In valuing your damages, we won’t hesitate to turn to experts for help. This might include psychologists and mental health authorities, economists, forensic accountants, and other specialists. If someone can help us understand how you’ve been affected and might be affected in the future, we’ll draw on their expertise. This will help to ensure that we know what your case is worth.

If the insurer acted recklessly, intentionally, or maliciously, we will also seek punitive damages. Oklahoma caps punitive awards. You can recover up to $100,000 or an amount equal to your actual damages if the insurer was reckless or up to $500,000 or twice the value of your actual damages if the company was malicious.   

Hire an Experienced Oklahoma City Bad Faith Insurance Lawyer

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We offer a free consultation

Have you submitted a claim for benefits to an insurance provider in Oklahoma City? Did the insurer barely glance at the claim before denying payment? Did the adjuster never conduct a thorough investigation into your request for benefits? Did the company make you jump through unreasonable hoops in order to recover benefits you were rightfully owed under the policy? Has your claim been approved, but you’ve been waiting for weeks or months to get paid?

If any of these ring true, you might have a legitimate bad faith insurance claim. McGuire Law Firm can help you fight to recover the benefits to which you’re entitled, as well as damages for your financial losses and suffering.

For decades, our Oklahoma City bad faith insurance lawyers have gone toe-to-toe with the biggest insurance companies in the nation. Time and time again, we’ve forced them to take accountability, fess up to their bad faith practices, and recovered substantial sums for our clients. Contact our OKC law firm today to arrange a free consultation so that you can find out how we might be able to help you, too. 

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