How to Find the Best Bad Faith Insurance Lawyer

When you file an insurance claim, you expect your insurance company to protect you. That’s what you’ve been paying them for, right? Unfortunately, that trust is sometimes broken. If you suspect your insurance company is acting in bad faith, you’re not alone, and you’re not without options.

But how do you find the best bad faith insurance lawyer in Washington state? You want someone who doesn’t just dabble in litigation but someone who is experienced in trying cases, understands insurance company tactics, and knows how to hold them accountable.

At KND Law, we help clients—individuals and companies—just like you every day stand up to insurers who are acting unfairly. We’re not just litigators. We’re trial lawyers. There’s a difference, and it matters when it comes to getting accountability. Read on to learn more.

Bad Faith Insurance Tactics Are Costing You

Insurance companies have a duty to handle your claim fairly, honestly, and promptly. When they don’t, it’s known as acting in bad faith. This behavior can take many forms, including:

• Denying a valid claim without a reason,
• Delaying payment unnecessarily,
• Misrepresenting policy language or coverage,
• Offering far less than the claim is worth, and
• Failing to investigate the claim properly.

If this sounds familiar, you’re likely experiencing what courts and legal professionals call “bad faith insurance.” 

Bad faith can occur in both first-party claims (where you’re filing with your own insurer) and third-party claims (where your insurer is defending you in a liability lawsuit). Washington law protects you in both situations and allows policyholders to sue for compensation under Washington law, also known as the Insurance Fair Conduct Act (IFCA). This law gives you the right to seek damages for the losses that you suffer, potentially including triple damages and attorney fees.

Real-Life Examples of Bad Faith Insurance

To better understand what you’re dealing with, here are common examples of bad faith insurance practices to keep an eye out for:

• Auto claim denial. A client’s vehicle was totaled in a covered accident, yet their insurer delayed payment for six months without cause.
• Homeowners’ insurance dispute. After a fire, an insurer underpaid for repairs and refused to explain how they calculated the loss.
• Health insurance rejection. A claim for necessary surgery was denied without a legitimate reason or medical review.

For example, imagine a winter storm in Spokane causes serious damage to a homeowner’s property. Although she promptly filed a claim with her insurer, weeks passed with no acknowledgment, despite repeated calls and emails. It took over two months for the company to even assign someone to the case, well beyond the 10-day deadline for claim acknowledgment required under Washington law. This kind of delay, without any valid explanation, is a textbook example of potential bad faith.

These experiences can be deeply disruptive. Fortunately, Washington law provides clear protections and a process for policyholders to seek accountability. 

You Deserve a Guide Who Knows the Field

Insurance companies have significant legal resources and internal teams focused on managing claims and limiting liability. If you want a real chance at accountability, you need more than just legal advice: You need courtroom experience.

That’s where KND Law stands apart. Our attorneys are trial lawyers. We’ve tried and won cases across Washington. That means we prepare every case with a trial-ready mindset, which often leads to more productive negotiations and timely resolutions.

How to Find the Best Bad Faith Insurance Lawyer

When searching for legal representation for a bad faith insurance case, look for these qualities:

• Trial experience. Not all litigators are trial lawyers. At KND Law, our lawyers know how to try a case before a jury, and insurance companies know it.
• Focused strategy. Trial lawyers cut through the noise. We focus only on the facts and legal arguments that will move your case forward.
• Understanding of IFCA. Washington’s bad faith law gives you strong rights. You want a lawyer who’s used it before and won.

Who you choose to represent you does matter. 

Questions to Ask a Bad Faith Insurance Attorney

Before hiring anyone, take the time to ask the right questions. Here are some important questions to ask a potential legal advocate during your consultation:

1. How many bad faith insurance cases have you handled in Washington?
2. Have you taken any of those cases to trial?
3. Can you walk me through your strategy if the insurer refuses to settle?
4. What results have you achieved for clients in situations like mine?

At KND Law, we’re transparent about our process, fees, and outcomes. We’ll tell you upfront whether you have a strong case and how we’d pursue it.

What You Could Recover: Damages for a Bad Faith Insurance Claim

If your insurer acted in bad faith, you may be eligible for compensation beyond your original claim. This can include:

• The full value of your denied or underpaid claim,
• Emotional distress and mental anguish, and
• Attorney fees and litigation costs.

Additionally, under Washington’s Insurance Fair Conduct Act, if your insurer violated specific regulations—such as misrepresenting coverage or failing to conduct a reasonable investigation—you may be entitled to up to three times your actual damages. This can turn a lowball offer into a significant recovery, especially if you’ve suffered financially or emotionally as a result of their misconduct.

We’ll work with you to understand the full scope of your damages and fight to recover everything you’re owed.

Take the First Step Toward Holding Your Insurer Accountable

You shouldn’t have to battle your insurance company while trying to recover from a crisis. If you’ve been mistreated by your insurer, don’t wait.

Call KND Law today at (509) 315-4219 to speak with a trial lawyer who knows how to win bad faith insurance cases. You can also fill our online form. Our lead attorneys have received awards for their skill and dedication in insurance law in Washington, and we are prepared to put our knowledge to work to help you. We’ll review your claim, outline your options, and help you understand what it will take to move forward.