Insurance Bad Faith Attorney in Albuquerque - Get What You're Owed
When you've paid your premiums for years, the last thing you expect is for your insurer to deny, delay, or underpay a valid claim. Unfortunately, it happens far too often-and in New Mexico, this is called insurance bad faith. As an experienced insurance bad faith attorney in Albuquerque, Holt Law holds insurance companies accountable when they fail to treat policyholders fairly.
Holding Insurance Companies Accountable
Insurance is supposed to provide peace of mind, but when an insurer unreasonably refuses to pay, it can feel like betrayal. Bad faith tactics can happen in auto, homeowner's, life, and other insurance claims. Holt Law stands up to big insurance companies to make sure you get the coverage-and the compensation-you're entitled to under your policy.
What Constitutes Bad Faith
Bad faith isn't just a disagreement-it's when an insurer fails to meet its legal duty to handle your claim fairly. Examples include:
If your claim experience sounds like any of these, you may have grounds for legal action.
Types of Insurance Claims We Handle
We represent clients in a wide range of insurance disputes, including:
New Mexico's Insurance Protections
Under the New Mexico Unfair Insurance Practices Act, insurers must act promptly, fairly, and honestly. If they violate these duties, you may recover not only the original claim amount but also additional damages-including punitive damages and attorney's fees in serious cases.
How Holt Law Helps Bad Faith Victims
We take a direct, aggressive approach to fighting insurance misconduct:
Often, once we get involved, insurers take the claim seriously.
Frequently Asked Questions
About Insurance Bad Faith
My insurance adjuster keeps stalling-could this be bad faith?
Yes, if the delay is unreasonable and without good cause, it could qualify as bad faith. We can evaluate your situation.
Can I sue the other driver's insurance for not paying?
Generally, you can only sue your own insurer for bad faith. In third-party claims, you usually sue the at-fault party directly.
Will my insurer drop me if I fight back?
No-canceling a valid policy in retaliation is illegal and would be further bad faith.