How to Recognize and Fight Insurance Bad Faith in Mississippi
Jul 31 2025 15:46
When you file an insurance claim—whether after a car accident, house fire, or another major loss—you’re depending on your insurer to act in good faith and honor their policy. But sometimes, insurance companies prioritize profits over people. When they deny valid claims, delay payment, or fail to investigate properly, it may be considered bad faith —and you may have grounds for legal action.
At Hopkins Barvié & Hopkins, our Mississippi insurance bad faith lawyers help policyholders stand up to insurers who act unfairly. Here’s what you need to know if you suspect your insurer isn’t playing by the rules.
What does bad faith mean in insurance?
Bad faith refers to an insurance company’s failure to treat a policyholder fairly and honestly. Mississippi law requires insurers to:
- Investigate claims promptly and thoroughly
- Communicate clearly and in good faith
- Pay valid claims within a reasonable time
When they fail to do this—by denying a claim without reason, stalling investigations, or misrepresenting coverage—they may be held liable for acting in bad faith.
What are three ways in which an insurer can be liable for bad faith?
Here are three common forms of bad faith that may give rise to a legal claim:
- Unreasonable Denial of a Valid Claim
Denying coverage without justification or ignoring the terms of the policy. - Failure to Investigate the Claim Properly
Rushing or ignoring evidence, relying on bias, or refusing to consider all documentation. - Delays and Lack of Communication
Taking excessive time to respond, providing unclear answers, or withholding key information.
If you’ve experienced any of these behaviors, speak with a bad faith insurance attorney in Mississippi to explore your legal options.
How do you prove an insurance company acted in bad faith?
To bring a successful insurance bad faith claim in Mississippi, your lawyer must show that:
- Your claim was valid and covered under the policy
- The insurer acted unreasonably, dishonestly, or with reckless disregard for your rights
Evidence may include emails, denial letters, claim records, expert opinions, or internal company communications. A Mississippi insurance dispute lawyer will know how to gather and present that evidence to hold the company accountable.
Is it hard to win a bad faith claim?
Bad faith cases can be challenging—but they’re far from impossible. Insurance companies fight hard to protect their image and profits, but with the right legal strategy and evidence, they can be held responsible for their misconduct.
A successful bad faith claim may result in:
- Full compensation under your original policy
- Additional damages for emotional distress or financial hardship
- Punitive damages (in some cases)
Working with an experienced insurance bad faith lawyer in Gulfport or across Mississippi gives you the best chance to level the playing field.
Don’t Let the Insurance Company Win. We Can Help.
If your insurance company is denying, delaying, or underpaying your claim, don’t face it alone. At Hopkins Barvié & Hopkins , we fight for policyholders across Mississippi who’ve been mistreated by their insurers.
Submit a message through our Contact Us page or call us directly to schedule a free consultation with a skilled insurance dispute attorney. We’ll review your case, explain your rights, and help you take the next step toward justice.