An insurance company can be liable for a bad faith insurance practice where three things are proved: 

  •  The insurance company is obligated to pay the claim under the terms of applicable insurance policy
  •   The insurance company lacks a reasonable basis in law or fact for refusing to pay or denying the claim, and
  •   The insurance company either knew there was no reasonable basis for refusing to pay or denying the claim or acted with reckless disregard for whether such a basis existed

Robert L. Abell, an insurance claims lawyer in Lexington, Kentucky, is an experienced insurance bad faith attorney, who can help you get your insurance claim paid or recover damages caused by an insurance company's bad faith practices.  Call Robert Abell Law at 859-254-7076.