I recently just finished an arbitration with my auto insurance carrier and was awarded a substantial amount above their offer. I was in an accident in February of 2010 and the person that hit me was arrested for dui and only had 15k auto coverage. I had bills close to 30k so I filed a UM claim with my auto insurance for policy limit of 100k (which 85k was available to me) to use for the additional expense. they dragged out the case almost 2.75 yrs from date of final claim to be made to settle. They offered me 19k to settle. We did a 1099 offer for 49k but they still wouldn't budge so we took it to arbitration. I was awarded 89k plus expenses. Do I have a reasonable bad faith claim against my insurance company since they tried to low ball me and took almost 3 years to pay ??
I made a 998 offer not a 1099. My accident happen while sitting at a light waiting for it to turn green when rear-ended by the dui driver. I sustained facet tears in my neck, headaches, loss of many recreation activities and nerve damage. The dui driver was found to be 100% at fault.
Car / Auto Accident Lawyer
I am sorry for what you have gone through. I answer question after question on AVVO telling people over and over that they probably do not have a "bad faith" claim. HOWEVER, it sounds to me like you have done everything right to secure a claim against your own insurer! In particular, you served a CCP 998 Offer to Compromise (not a 1099!) and you beat it---Bravo! This could establish a prima facie case against the insurer for unnecessary delay and "low balling." Since it is a First Party case, you can allege a claim for Breach of the Covenant of Good Faith and Fair Dealing.
Please take a look at a couple of my links below regarding UM Arbitrations and CCP 998 Offers to Compromise.
Best of luck in your "next stage!"
5 lawyers agree
Insurance Law Lawyer
There seems to be a basis for a bad faith action although more facts will be needed to assess your damages relative to this action. Contact an insurance attorney to review your possible case. You can find one through the Avvo search.
4 lawyers agree
Personal Injury Lawyer
Sounds like you had an attorney who represented you - that is the person most knowledgeable about the facts of your case. You should direct your question to that attorney
This is not intended to be legal advise or as legal representation. I am a California personal injury attorney . Be aware that every state has its own statute of limitations; and statutes & case laws that govern the handling of these matters.