In South Carolina, “bad faith” claims arise when a policyholder believes its insurance company has placed its own interests ahead of those of its insured. Typically, the policyholder believes that the insurance company has failed to act in “good faith” by refusing to pay out on an insurance claim on behalf of its insured. However, insurance policies are at best complex contractual documents that often too difficult for the average person or business owner to understand. Likewise, often times insurance agents can give bad advice or make mistakes in placing the wrong type of coverage or coverage that may not be appropriate for a particular individual or company.
The Pearce Law Group, P.C. has successfully handled the prosecution and defense of all types of bad faith claims stemming from commercial general liability policies, directors & officers’ liability policies, life insurance policies, homeowners policies, renters policies and automobile polices. Depending on the case and the parties involved our firm works with insureds, insurance agents, and insurance carriers as well in both prosecuting and defending “bad faith” insurance claims when and where appropriate. For insureds and agents, we firmly believe that active management and review of a client’s actual insurance needs and the coverages being put in place to manage those risks is critical to avoiding insurance dispute before they even begin. For insurance carriers, we evaluate and defend “bad faith” claims whether they originate at the claims handling, pre-litigation, and/or litigation stages of the claim providing timely and practical advice to minimize claims exposure, negotiate fair and equitable settlement whenever possible, and/or go to trial as needed.
Our Experienced Attorneys
Christopher H. Pearce, Esquire
Christopher H. Pearce, Esquire, Principal Attorney