Biloxi & Gulfport Bad Faith Insurance Policy Rescission
When an insurance company cancels its insurance policy with you – whether it be for health insurance, homeowners insurance (including hurricane, flood, and fire), or other type of insurance – this is called “rescission.” In some cases, insurers have the legal right to rescind an insurance contract, but in many other cases, insurers are acting illegally in rescinding your policy and hoping you won’t understand your rights or have the courage to stand up for your rights by fighting back. At the Law Offices of Judy Guice, P.A. we will work with you to stand up to insurers who rescind policies in bad faith and get you and your family the compensation you deserve. Contact our Biloxi & Gulfport insurance rescission attorneys today.
When is an Insurance Rescission in Bad Faith?
Insurance companies are required to follow Mississippi state and federal law, and to abide by the terms of the insurance contract they have with you. In the context of health insurance, numerous health insurers used to commonly rescind coverage when an insured became seriously ill by claiming that the person had withheld information about pre-existing conditions without providing the sick individual with a reasonable means to argue their case. This awful practice resulted in tens of thousands of people with illnesses such as breast cancer and AIDS to have their insurance plans cancelled just when they needed it most.
Recent federal laws have been put in place to make this type of health insurance rescission illegal, but insurers nevertheless continue to find ways to wrongly cancel policies. For example, an insurance company may try to rescind a policy on the legal grounds that the insured didn’t make a payment or committed fraud even when this was not actually the case.
With property insurance such as hurricane coverage or auto insurance, an insurer may also try to rescind the coverage when a policyholder makes a claim. Insurers may make the following claims to justify the rescission:
- The insured filed a false claim
- The insured failed to make a payment
- The insured committed fraud
- The insured lied in his or her insurance application
If the insurance company does not actually have evidence that one of those grounds exists, and instead is canceling your policy to avoid payment, it is acting in bad faith.
Fighting an Insurance Rescission Action In Mississippi
At the Law Offices of Judy Guice, P.A., we represent insurance policyholders who have had their policies rescinded in bad faith. Attorney Judy Guice has decades of experience fighting on behalf of Mississippi policyholders, and she knows just how important having reliable insurance coverage is, as her home was one of the thousands destroyed along the Mississippi Gulf Coast during Hurricane Katrina. She has even fought all the way to the Supreme Court of Mississippi on behalf of Mississippi policyholders in the landmark case of Corban v. USAA.
Proving an insurance bad faith case can be difficult because it requires that the plaintiff prove that the insurers acted wrongly behind closed doors, but the attorneys at the Law Offices of Judy Guice, P.A. are experienced at hauling insurers into court and forcing them to divulge the true reasons for their rescission actions. We are passionate advocates for Mississippi policyholders and will fight for the coverage benefits you and your family deserve.
Work with Trusted Biloxi Attorneys in Your Insurance Rescission Matter
At the Law Offices of Judy Guice, P.A., we are on your side and will stand up to the insurance companies on your behalf to get the compensation you are owed. Call us today to schedule a free consultation regarding your rescission matter.