If you are here right now, it is likely because you or someone you love has been in a car accident in Idaho. It is a difficult time, full of confusion, fear, and frustration. On top of everything, you might feel like the insurance company is not being fair with you. You may have tried to file a claim and instead of support, you are getting delays, denials, or silence. We want you to know that you are not alone. Many people in Idaho find themselves in the same situation. At our firm, we understand what you are going through. We care about how this situation has affected your life. We are here to help you deal with insurance bad faith and guide you through the path to justice.
What is Insurance Bad Faith
Insurance companies promise to help when accidents happen. That is their job. But sometimes, they don’t do what they promise. When an insurance company acts unfairly and doesn’t treat you right after a crash, it is called insurance bad faith. It means they are not acting with honesty or fairness when handling your claim. They might ignore your claim, delay it for no good reason, offer you much less money than your claim is worth, or even deny your claim without telling you why. When this happens, it is not just frustrating. It can also be illegal. Idaho law says insurance companies must act in good faith. If they don’t, they can be held responsible.
Common Ways Insurance Companies Act in Bad Faith
There are several ways insurance companies in Idaho may act in bad faith after a car accident. One way is by not paying a valid claim when they should. For example, if the crash clearly shows the other driver was at fault, and there’s good proof like a police report or witness, your claim should be paid fairly. But if the insurance company keeps saying no or dragging out the process without a good reason, that’s a red flag.
Another way is offering a settlement that is way too low. After an accident, you might have medical bills, car repairs, and lost time from work. If the insurance company offers you a small amount that does not even come close to covering your damages, that is also unfair.
Sometimes, the insurance company doesn’t investigate the crash the way they should. They might ignore evidence, skip talking to witnesses, or not look at the damage to your car. Other times, they say you missed a deadline when you didn’t, or they use confusing words and rules to try to scare you off.
All these things are unfair. You deserve better.
How Idaho Law Protects You
Idaho law gives clear rules about how insurance companies should treat you. They must be fair, honest, and work quickly to look at your claim and give you a fair result. If they don’t, you may be able to take legal action.
Under Idaho’s laws, you have the right to sue an insurance company that acts in bad faith. This means you can ask the court to make them pay not only what they owe you from the crash, but sometimes even more. If their actions were very wrong, you might be able to get money for your stress, the time you lost, and more. In some cases, the court may even make the insurance company pay extra money as punishment for treating you unfairly.
What You Should Do if You Think You’re Facing Bad Faith
If you feel like the insurance company is not treating you right, it’s important to keep good records. Save letters, emails, and texts. Write down who you talked to and what they said. Keep copies of everything you send and receive. Try to be clear and polite in your messages, but make sure you keep track of delays, confusing answers, or unfair offers.
You should also get help quickly. The longer you wait, the harder it can be to prove your case. A lawyer can look at what’s happening and tell you if the insurance company is breaking the law. If they are, a lawyer can help you fight back and make sure your rights are protected.
Why Bad Faith Hurts More Than Just Money
When an insurance company doesn’t play fair, it hurts in more ways than just money. After a car accident, people are already dealing with pain, fear, and lost time. They might not be able to work or care for their family. They could be dealing with a totaled car, hospital visits, or stress about bills. When an insurance company adds even more stress by acting unfairly, it can make things much worse.
It also makes people feel helpless. Many people trust their insurance will be there for them. When that trust is broken, it’s not just about a claim—it’s personal. That is why the law takes these cases seriously. Holding insurance companies accountable helps make sure they treat people better in the future.
Real Help for Real People
We know that no two cases are the same. Every car accident is different. Every person’s pain and loss is unique. That’s why it matters to have someone who truly listens and understands. If you’re reading this and wondering if you have a case, we want you to know that we are here to help you figure it out.
You don’t have to face this alone. Insurance companies have lawyers on their side. You should have someone on your side too. Someone who knows the laws in Idaho. Someone who knows how to push back when insurance companies try to take advantage of people who are hurting. We can help you gather proof, talk to the insurance company, and if needed, take them to court to make things right.
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What Happens When You Win a Bad Faith Case
Winning a bad faith case can help you in many ways. First, you can get the money the insurance company should have paid you for your car accident claim. This can help cover medical bills, lost paychecks, car repairs, and more. Second, you might be able to get extra money for the stress and hardship caused by their unfair behavior. In some cases, the court can even make the insurance company pay a penalty for acting so wrongly.
This can be a big relief. It can also bring a sense of justice. You stood up for yourself, and it made a difference. That feeling is something we want every client to have.
You Don’t Have to Accept Unfair Treatment
Sometimes people feel like they just have to take what the insurance company offers, even if it’s unfair. But that’s not true. You have rights. And there are laws that protect you. You are allowed to ask questions. You are allowed to speak up. You are allowed to take action when you are not treated fairly.
Verdicts & Settlements
You are not asking for too much. You are asking for what is right. If an insurance company made a promise to take care of you and didn’t keep it, they need to be held accountable. That’s what Idaho law says. That’s what we believe, too.
Talk to Someone Who Can Help Today
If you are worried that your insurance company is not being honest with you after a car accident in Idaho, you don’t have to go through it alone. Dealing with insurance bad faith is hard, but there is help. You deserve someone who listens, who understands, and who knows how to make things right. We know this is not just a case—it is your life, your peace of mind, and your future. Let us help you fight back and move forward.
Contact Hepworth Holzer, LLP today and let us stand by your side. We are ready to listen. We are ready to help. And we are ready to work hard to make sure you get what you deserve.
