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You paid your premiums faithfully. When you needed your insurance company, they denied your claim, dragged their feet, or offered pennies on the dollar. That's first-party bad faith—and Oklahoma law gives you the right to fight back.
In a first-party claim, you have a direct contractual relationship with the insurance company. You pay premiums; in return, they promise to cover certain losses. When a covered loss occurs—whether it's a car accident, storm damage, medical expense, or disability—you file a claim with your own insurer.
Oklahoma courts have long recognized that this relationship creates an implied covenant of good faith and fair dealing. Your insurer can't take your premiums for years and then abandon you when you need them. Under 36 O.S. § 3629, unreasonable conduct in claims handling is actionable bad faith.
Your insurer denies coverage for accident damage, lowballs repair costs, or refuses to pay the totaled vehicle's fair value.
Storm damage denied as 'pre-existing,' roof claims systematically undervalued, or delays leaving your home in disrepair.
Denial of medically necessary treatment, prior authorization delays, or wrongful termination of coverage.
Benefits cut off despite ongoing disability, excessive surveillance, or demands for unnecessary IMEs.
Not every claim dispute is bad faith. But unreasonable conduct that prioritizes the insurer's interests over yours can cross the line:
Rubber-stamping denials without reviewing documentation or investigating the claim.
Citing exclusions that don't apply or creatively interpreting coverage to avoid payment.
Sitting on claims for weeks or months without action while your damages grow.
Offering a fraction of documented damages with no reasonable explanation.
'Paper to death' tactics—endless requests designed to frustrate you into giving up.
Ignoring calls, not returning messages, leaving you in the dark about your claim.
Building a bad faith case requires demonstrating that the insurer's conduct was unreasonable under the circumstances. Here's what we do:
We review every provision to confirm your claim is covered and identify any misrepresented exclusions.
Every denial letter, every phone call, every delay—we build a timeline of unreasonable conduct.
In litigation, we obtain the insurer's internal notes, adjuster communications, and claims manuals revealing their true motivations.
Industry experts testify about insurance standards and how your insurer's conduct deviated from acceptable practices.
When your own insurance company refuses to honor your policy, you need an attorney who fights back. Free consultation, no fee unless we win.
Oklahoma Bad Faith Attorneys