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Your insurance company took your premiums. Now they won't pay your claim. That's not a business dispute—it's bad faith. We hold insurers accountable when they delay, deny, and lowball Oklahoma policyholders.
When you pay insurance premiums, you're buying a promise: if something goes wrong, your insurer will be there to pay. Oklahoma law recognizes an implied covenant of good faith and fair dealing in every insurance contract. When insurers violate this duty, they commit "bad faith."
Bad faith isn't simply a disagreement about coverage. It's a pattern of conduct designed to avoid paying legitimate claims. Under 36 O.S. § 3629, Oklahoma policyholders can sue insurers who fail to act in good faith—and recover damages far exceeding the original claim amount.
We handle bad faith claims across all policy types. Click to learn more about each:
When YOUR insurer refuses to pay YOUR claim—auto collision, homeowners, health, or disability policies.
When the at-fault party's insurer unreasonably refuses to settle within policy limits.
Tornado, hail, and wind damage claims lowballed or denied by homeowners insurers.
Your own insurer fighting against you after a hit-and-run or uninsured driver accident.
Stonewalling, excessive documentation requests, and 'paper to death' strategies.
Wrongful denial of medical treatment, prior authorization delays, and coverage disputes.
Wrongful denials without investigation or reasonable basis. We fight back.
Offers far below your documented damages designed to pressure you into accepting less.
Biased IMEs, surveillance abuse, and investigations designed to deny rather than evaluate.
Oklahoma has some of the strongest bad faith laws in the country, providing real teeth for policyholders fighting insurance companies:
Oklahoma's primary bad faith statute allows policyholders to sue insurers for failing to act in good faith. This creates a tort claim separate from breach of contract, enabling recovery of damages beyond policy limits.
The landmark Oklahoma Supreme Court case establishing the implied duty of good faith and fair dealing in insurance contracts. This case opened the door to bad faith claims against insurers.
Unlike many states, Oklahoma does not cap punitive damages in bad faith cases. Juries can award substantial punitive damages to punish egregious insurer misconduct and deter future bad behavior.
Oklahoma's statutory framework defining unfair claims practices. While it doesn't create a private right of action, violations are evidence of bad faith conduct.
Insurance companies have developed sophisticated strategies to avoid paying claims. Recognizing these tactics is the first step to fighting back:
| Tactic | What It Looks Like |
|---|---|
| Delay, Delay, Delay | Weeks pass without updates. Adjusters don't return calls. "Still under review." |
| Paper to Death | Endless documentation requests. Each submittal triggers more requests. Staff turnover loses your file. |
| Lowball Offers | Initial offer is 10-50% of actual damages. Take it or leave it pressure. "Final offer." |
| Blame the Victim | "Pre-existing damage." "Maintenance issue." "You caused this." |
| Policy Misrepresentation | Creative interpretation of exclusions. Citing provisions that don't apply. "Not covered." |
| Biased Investigation | Using company-preferred adjusters and experts who always minimize damage. |
Document Everything: Keep a log of every call, email, and letter. Note dates, times, and who you spoke with. This documentation becomes critical evidence if you need to prove bad faith conduct.
Bad faith claims allow recovery far beyond what your original policy would pay:
Oklahoma juries have returned substantial verdicts against insurance companies for bad faith conduct. Because punitive damages are uncapped, egregious cases can result in multi-million dollar awards—sending a message that insurers cannot abuse their policyholders without consequence.
Bad faith claims often arise alongside other legal claims. We handle the complete picture:
Don't let insurance companies get away with bad faith. We've recovered millions for Oklahoma policyholders whose claims were wrongfully denied, delayed, or underpaid.
No Fee Unless We Win