Insurance Claims

There are many types of insurance, all designed to cover different potential liabilities. You may be familiar with liability, property, casualty, uninsured, and underinsured coverage, to name a few. When insurance companies unreasonably refuse to pay on the policies they have issued, the insured can sue their own insurance company in the form of breach of contract, bad faith, and vexatious refusal claims.

Perhaps the most common, vexatious refusal claims arise when an insured makes a claim on their own policy. If the insurance company is unreasonable in denying the claim, Missouri statutes allow the insured to sue their own insurance company for vexatious refusal. As a penalty to the insurance companies, if the insured wins, they can receive their attorney fees and sometimes a punitive award against the company.