What Is Your Insurance-Related Question About Your Accident?

Answers to your questions from attorneys you can trust

No one ever really thinks about insurance - until something bad happens to them. Then, they understandably want the entire process to be as simple and smooth as possible. Unfortunately, that's not always the case. Your insurance company can act like your best friend when you purchase your policy, but turn into your enemy when you file a claim for a loss.

Finding accurate information about insurance companies and your legal rights can be difficult. That's why we compiled this list of common questions people have about insurance companies. Our insurance bad faith attorneys at Zimmer, Duncan & Cole, LLP gained this knowledge through years of working on cases throughout South Dakota.

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If you don't see your specific question - or even if you do - please contact our law firm as soon as possible. That's because every case is different and we want to learn more about your unique circumstances. We can provide you with accurate information and work with you to craft a solution that suits your personal needs.

Frequently asked questions about insurance

What is insurance bad faith?

"Bad faith" is a legal term used to describe when an insurance company fails in its duty to evaluate a policyholder's claim and pay what's fair and reasonable. The laws concerning what constitutes an insurance company acting in bad faith can be very confusing to policyholders who simply want to receive what's owed to them. If you think your insurance company is acting in bad faith, contact our law firm right away.

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How do I know if an insurance company is breaking the law?

It's hard for the average person to know when insurance companies are breaking the law. Most policyholders are not fully aware of the state and federal laws created to protect their legal rights. That's why it's important to arrange a consultation with one of our experienced attorneys. We are well-versed in the laws that apply to insurance carriers. Many states, including South Dakota, have what is known as the Unfair Claims Practices Act. Insurance companies are acting illegally if they violate this law.

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What are examples of insurance bad faith?

There are many different examples of insurance bad faith. Some of the most common ones we deal with at our law firm include:

  • Insurance companies refusing to pay claims without justification
  • Insurers not acting in a timely manner
  • Companies that do not thoroughly investigate a claim
  • Carriers that offer an unfair or low settlement (an offer less than a reasonable person should expect to receive)
  • Insurance companies making false claims to policyholders
  • Companies refusing to compensate policyholders for items
    covered in an insurance policy

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Who investigates insurance bad faith cases in South Dakota?

In general, it's up to the courts to decide if an insurance company acted in bad faith. However, it's up to you take legal action against your insurance company. No one can do it for you. You and your attorney have to initiate your case. And we can help you every step of the way.

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Can I sue an insurance company if I believe I have not been fairly compensated?

Yes. Filing a lawsuit against an insurance company for acting in bad faith is often the best way to resolve such cases. Many insurance companies will do everything they can to avoid paying claims - until they're dragged into court. We can help you hold an insurance company accountable for its actions. We're here for you when you need us most.

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Why should I hire Zimmer, Duncan & Cole, LLP to handle my case?

Our attorneys understand how the legal system works in South Dakota. But most of all, we're not afraid to take on insurance companies and their teams of attorneys. That's because we're inspired by our clients. We understand how angry and frustrated they are when they're not compensated for their losses. That's why we're honored to work hard for clients every single day. We consider your legal obstacles opportunities - to change how insurance companies do business and to make a difference in people's lives, one case at a time.

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Sioux Falls

5000 S. Broadband Lane, Suite 119
Sioux Falls, SD 57108

Phone: 605-361-9840
Fax: 605-271-7872
Toll Free: 888-733-2992
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Parker

120 N. Main Street
Parker, SD 57053

Phone: 605-297-4446
Fax: 605-297-4488
Toll Free: 888-733-2992
Location Details