Insurance Bad Faith Lawyers Serving Massachusetts and Connecticut
When Your Insurer Fails You, Raipher Steps In
You paid your premiums and trusted your insurance company to protect you when the worst happened. But what if when the car accident, slip and fall, dangerous property, or other type of personal injury claim comes, and the company drags its feet, ignores your evidence or offers a fraction of what you actually need? That is not merely frustrating, it may be bad faith.
For decades, Raipher, P.C. has taken on insurance companies that try to avoid responsibility. With over $100 million recovered for injury victims and families across Massachusetts and Connecticut, our results come from one thing: we don’t let insurers get away with bad faith tactics. When companies drag their feet, ignore evidence, or play games with people’s futures, we make them pay what justice demands.
If your insurer has delayed, denied, or underpaid a valid claim, you may be entitled to more than your policy benefits. Contact Raipher for a free consultation. Our bad faith insurance attorneys will review how your insurer handled your claim, explain your rights, and help you decide your best path forward.
What does ‘insurance bad faith’ mean in legal terms?
An insurance company has more than a contractual duty to pay when a covered event occurs. In Massachusetts and Connecticut, insurers also face an implied duty of good faith and fair dealing. That means they must investigate reasonably, respond promptly and offer fair settlements when liability and coverage are clear.
In Massachusetts, statutes in the state’s General Laws empower consumers to challenge insurers who engage in unfair or deceptive practices in claims handling.
In Connecticut, insurers must comply with the state’s laws, too, and the implied covenant of good faith. When an insurer unreasonably delays, denies or fails to settle when liability is clear, it may be liable in tort for bad faith.
When an insurer acts in bad faith, it fails in more than just refusing to pay. It fails you, the policyholder, and gives you reason to seek more than a standard claim resolution.
When and why does bad faith happen?
Insurance companies sometimes act unfairly for many reasons. They may hope to deny payment, delay processing so bills pile up, or offer a quick low-settlement before you understand your full damages. They may rely on confusing policy language, shift blame to you, or ignore clear evidence.
This kind of conduct happens across many types of claims: car-accident injuries, construction accidents, medical malpractice settlements, product liability claims and more. In each, the insurer’s decision-making affects how much you receive and how quickly.
Because you face mounting medical bills, lost income and pressure to settle, you may feel forced into an unfair deal. That is why it matters to have a lawyer who understands insurance conduct, knows the law in Massachusetts and Connecticut, and can push back when the insurer plays games. Raipher does that work.
Common signs and examples of insurance bad faith
Here are examples of conduct by an insurer that could signal bad faith. Recognizing them early may protect your rights and ensure you don’t settle too soon.
- The insurer refuses to investigate your claim or ignores evidence you submit.
- The insurer repeatedly delays responding to your communications, leaving you in limbo.
- The insurer offers an amount far below what the facts support while knowing your damages are far higher.
- The insurer denies a claim without giving a reasonable explanation referencing the policy or investigation.
- The insurer fails to settle a claim when liability is clear and a reasonable settlement offer within policy limits is made.
- The insurer imposes undisclosed procedural hurdles, makes you wait for months for approval, or shifts blame without merit.
If any of these sound familiar in your situation, contacting a lawyer matters. Raipher investigates how the insurer handled your case, reviews the policy and the insurer’s conduct, and takes action when the insurer crosses the line.
Raipher is the firm insurance companies don’t want to face
Bad faith cases require more than standard personal injury experience. They require legal knowledge about insurance law, investigation of the insurer’s conduct, and the skill to pursue extra damages beyond what the policy says. Raipher brings a national reach, decades of trial experience, deep regional knowledge in Massachusetts and Connecticut, and a proven record of holding insurers accountable.
Our attorneys review how your claim was handled, examine timelines, internal insurer documents, and negotiation history. We build a full case that looks beyond the policy limit to the true cost of how the insurer treated you. Raipher handles these cases on a contingency fee basis. That means that you pay no attorney’s fee unless we win. That means your focus stays on recovery while we focus on making the insurance company pay what it owes.
If your insurer delayed, denied or under‐paid your claim, do not accept a low settlement assuming you have no options. Contact Raipher for a free consultation and find out whether bad faith played a role and how to respond.