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Client Testimonials

“Despite a low-ball offer from our insurance company, the MGW team was able to recover our full seven-figure claim”

We could not have gotten through this deeply stressful and unexpected situation if it wasn’t for MGW. I can’t recommend them enough. – Wisconsin Business Owner

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Common Questions
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My claim was denied, what do I do next?

Although there are many legitimate reasons your claim may have been denied, we work with clients who believe their case was unjustly denied, which is called bad faith insurance. If you believe your claim may have been denied unjustly, your insurance provider keeps delaying your payment, or the offer they gave you does not cover your damages, call MGW today so we can review your case.

What is bad faith insurance?

Bad faith insurance refers to an insurance company’s attempt to renege on its obligations to its clients, either through refusal to pay a policyholder’s legitimate claim or investigate and process a policyholder’s claim within a reasonable period. Insurance companies act in bad faith when they misrepresent an insurance contract’s language to the policyholder to avoid paying a claim.

There are many ways in which an insurance company may act in bad faith. If a policyholder suspects bad faith, they should reach out to MGW immediately.

Why do insurance providers delay claims?

Delay for the purposes of delay is perhaps the most frustrating example of insurance bad faith. Generally when first-party claims are made, the insured has some significant problem, be it a damaged house, wrecked car, temporarily closed business, or other “loss.”

Wisconsin Statutes section 628.46 (timely payment of claims) provides that an insurer “shall promptly pay every insurance claim” once written notice of a covered loss and the amount of the loss have been provided to the insurer. “Promptly” means 30 days. While some claims are complicated and may require some additional time for analysis, insurance companies often do not demonstrate a sense of urgency that the 30-day deadline to pay is approaching. It is easier to ask forgiveness than permission, especially when the only statutory penalty is a relatively low interest rate, but the refusal to comply with clear law on the subject can be bad faith.

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