Are you being treated unfairly (in bad faith)
by your insurance company?

Our law firm with offices in Scottsdale and Phoenix, Maricopa County, Arizona, tailors our legal practice to protect insurance consumers and policyholders from the bad faith tactics of insurance companies throughout the state of Arizona.

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from our blog

August 29, 2017

The Insurance Industry Quick-Hit Settlement

If you’ve been in a collision and it was someone else’s fault, odds are very good that you will hear from the at-fault driver’s insurance company as soon as possible. It’s a tactic that is happening more and more in Arizona. This is done for a variety of reasons: (1) the insurance company would like […]


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Suing Big Insurance Companies in Arizona: What You Should Know

A Scottsdale Insurance Bad Faith Lawyer on Insurance Company Tactics and Lawsuits

Whether you have a homeowners’ insurance policy claim, a commercial insurance policy, or an automobile insurance claim that is being delayed, unfairly evaluated, or has been improperly denied, you are finding out the truth about big insurance companies: The insurance company will rigorously fight to avoid paying you the benefits you are owed. They will often delay, deny, and lie to avoid paying legitimate claims.  They count on claim holders to give up, taking a low ball settlement or simply go away.

If you are being mistreated by an insurance company, call Arizona’s Insurance Bad Faith Attorney Shane L. Harward at 480-874-2918 or contactthe office online. If you have a case against an insurance company, you will have a formidable ally in Mr. Harward.

Like he has countless times before, Mr. Harward may be able to get the insurance company to settle out of court for a satisfactory amount of compensation. However, if you are forced to file a lawsuit against your insurance company, Mr. Harward, his staff, and expert witnesses will be prepared to fight on your behalf. You can challenge, and beat, an insurance company that is treating you unfairly.

Large Insurance Companies are Massive Bureaucracies Prioritizing Profit

The most important source of profitability for an insurance company should be through investments and proper, fair premiums.  An insurance company should never use its claims procedures and practices as a profit center. When you pay your premium, that money is invested in a wide variety of ways. As a result of poor investment decisions or the economy, many of the investments that insurance companies made have resulted in losses. This makes insurance companies even more aggressive in their refusal to fairly pay claims which puts policy holders at risk of financial ruin.

Insurance Companies make the Claim Process Purposefully Confusing

Numerous insurance claims are made daily throughout Arizona. Unfortunately, many insurance companies make the claim process complex, confusing, and unnecessarily burdensome so that very few insured parties can contest unfair insurance claim decisions. The insurance company has a labyrinth of corporate practices and procedures to discourage people from pursuing just compensation. Only a qualified attorney can sort through most of the paper work and legal language in order to challenge an insurance company.

Insurance Companies Maximize Profits at all Costs

Allstate, State Farm and Farmers Insurance may be the most prominent examples but countless other insurance companies have been found guilty of breaching the duty of good faith and fair dealing. According to several news articles and numerous civil cases brought against these and other insurance companies, insurance companies often meet with business consultants, e.g., McKinsey & Company for ways to increase their profit. The advice? Establish corporate practices and procedures to pay out less in claims at the expense of the insurance consumer. When a claim should be paid, offer a low-ball , arbitrary evaluation. Many insurance consumers accept these offers and walk away. There is another way.

Call Arizona Insurance Bad Faith Attorney Shane L. Harward at 480-874-2918.

What to do if you are being Mistreated by your Insurance Company in Arizona

  • First, read through your policy. Admittedly this can be daunting if you are not an expert in insurance terminology. But becoming aware of exactly what is covered in your policy is crucial in knowing how to fight back against the insurance company. A skilled attorney can also help you decipher the language in the policy but this review of your policy is a crucial step. Insurance companies count on policyholders who do not know their rights.
  • Second, consider cancellation your insurance policy and finding another insurance company. You have many choices for insurance coverage in Arizona. You do not need to continue paying an insurance company whose services you do not find helpful and who has mistreated you. In most cases, you do not need to be an insurance policyholder with your bad faith insurance company at the time that you file a lawsuit.
  • Third, call an attorney experienced with insurance bad faith in Arizona. This is an extremely complex area of the law. Furthermore, Farmers, Allstate, Nationwide, Progressive, State Farm and all of the large insurance companies will have teams of adjusters, investigators, and attorneys working against you. Since 1995 Shane L. Harward has been challenging big insurance companies on behalf of people just like you throughout Arizona.  For the resources, the experience, and the record of success you need on your side, call 480-874-2918.
Shane Harward Law Offices of Shane L. Harward PLC

10575 North 114th Street
Suite 103
Scottsdale, Arizona 85259

Telephone 480-874-2918
Facsimile 480-588-5063

By Appointment Only:
4809 East Thistle Landing Drive
Suite 100
Phoenix, Arizona 85044

Telephone 602-384-4638

Mailing Address:
Post Office Box 12877
Scottsdale, Arizona 85267