Insurance Claim Disputes & Bad Faith – We Stand Up to Insurance Companies
Dealing with Insurance After an Accident
After an accident, dealing with insurance companies can be one of the most frustrating parts of recovery. Adjusters may delay responses, undervalue your injuries, or deny valid claims altogether. At Bluhm Morgan PLLC, our experienced insurance claim lawyers in Washington help clients through the entire process—from filing claims and gathering documentation to negotiating fair settlements.
We represent clients across Tumwater, Olympia, and nearby areas, helping individuals and families who are already struggling with physical, emotional, and financial burdens. Whether you’re pursuing a personal injury or wrongful death claim, our firm steps in to protect your rights and ensure the insurance company plays by the rules.
We Handle the Insurance So You Don’t Have To
Insurance companies have teams of professionals working to protect their bottom line. Our attorneys know how to counter their tactics and prevent you from being pressured into accepting an unfair offer. We take over communications with adjusters, file and manage all paperwork, and handle negotiations directly.
Our role is to make the process less stressful and more successful for you. We ensure that every detail—from medical records to accident reports—is properly presented, maximizing your chance of full compensation. With Bluhm Morgan PLLC on your side, you won’t have to worry about making a costly mistake or being misled by an adjuster who seems friendly but isn’t on your side.
What Is Insurance Bad Faith?
When an insurance company delays, underpays, or outright denies a legitimate claim without a reasonable basis, it may be acting in bad faith. Washington law protects consumers through the Insurance Fair Conduct Act (IFCA), which allows policyholders to take legal action against insurers who fail to act honestly and fairly.
Bad faith can include failing to investigate a claim properly, ignoring evidence, or making lowball offers that don’t reflect real damages. Our
insurance bad faith attorneys hold insurers accountable and ensure they meet their legal duties to policyholders. If necessary, we can file a bad faith lawsuit to recover not only your original claim but also additional compensation for the insurer’s misconduct.
How We Can Assist or Sue if Needed
Whether your case involves your own insurer (like uninsured/underinsured motorist coverage or PIP benefits) or another driver’s policy, we have the experience to challenge unfair practices. Our firm reviews the full history of your claim, communicates with the Washington State Office of the Insurance Commissioner when appropriate, and takes legal action when insurance companies refuse to meet their obligations.
We build strong cases backed by documentation, expert opinions, and detailed damage calculations. When insurers know they’re dealing with attorneys who won’t back down, they often change their approach. And if they don’t, we’re fully prepared to take the matter to court.
Frequently Asked Questions
About Insurance Claims
The adjuster is very friendly – do I really need a lawyer to talk to them?
Yes. Insurance adjusters are trained to minimize payouts, even when they seem sympathetic. Having an attorney means your claim is handled strategically, and you don’t risk saying something that could reduce your compensation.
The insurance company made a low offer – should I accept it?
Not without legal advice. Initial offers are often much less than what your claim is worth. We evaluate your case thoroughly and negotiate for the full amount you deserve.
What does it cost to have a lawyer handle my insurance claim?
In most personal injury cases, our fees are contingency-based—you pay nothing upfront, and we only get paid if we recover compensation for you. For stand-alone insurance disputes, fee arrangements can vary, but Washington’s bad faith laws may allow recovery of legal fees if we win.
Take the Stress Out of Insurance Claims
You don’t have to face an insurance company alone. Bluhm Morgan PLLC will handle every phone call, document, and negotiation while you focus on recovery. Whether your claim was delayed, denied, or undervalued, we can help you take back control and demand fair treatment under the law.
Call our office today or reach out online to schedule a free consultation with a
Washington insurance claim lawyer who will fight for your rights.