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Signs an Insurance Company Is Acting in Bad Faith

February 12, 2026 by

Signs an Insurance Company Is Acting in Bad FaithInsurance policies are contracts. In exchange for premiums, insurance companies are legally required to handle claims fairly, promptly, and honestly. Unfortunately, insurance companies have a vested interest in minimizing the amount they pay out in claims. As a consequence, they may act in bad faith, wrongfully engaging in delays or denials, or offering far less than you need or are entitled to under your policy.

Recognizing the early warning signs of bad faith efforts by your insurer can help protect your legal rights. At the Law Offices of David J. Karbasian, PC, we have aggressively and successfully fought for the rights of clients who have been subjected to bad faith tactics by an insurance company.

What Insurance Bad Faith Means

In personal injury cases, insurance bad faith occurs when an insurer fails to handle an injury claim in a reasonable manner and in accordance with the provisions of your policy. This may include delaying payment for medical expenses, denying coverage without proper justification, undervaluing injury claims, or misrepresenting policy terms to avoid paying full compensation.

Not every disagreement rises to bad faith. Insurers are allowed to investigate claims and dispute liability when supported by evidence. The actions of your insurer may constitute bad faith when unfair or deceptive practices are used that go beyond the legitimate evaluation of your claim and interfere with your ability to recover fair compensation.

Common Signs Your Insurance Company May Be Acting in Bad Faith

Insurance bad faith rarely involves a single act but typically emerges through a pattern of conduct that delays, frustrates, or unfairly limits a valid claim. At Law Offices of David J. Karbasian, PC, we frequently see the following patterns while reviewing claim files and insurer communications for injured clients.

  • Unreasonable Delays in Processing or Payment

    Insurance companies must investigate and resolve claims within a reasonable time. Repeated delays, unexplained silence, or constant requests for the same documents may signal intentional stalling.

  • Denying a Claim Without a Clear or Valid Reason

    A denial should be supported by specific policy language and facts. Vague explanations or unsupported conclusions often indicate bad faith.

  • Failure to Properly Investigate the Claim

    Insurers are required to conduct a fair and thorough investigation before denying or limiting coverage. Ignoring evidence, failing to interview witnesses, or skipping inspections may constitute bad faith.

  • Lowball Settlement Offers

    Offering far less than the documented value of a claim can be a tactic to pressure policyholders into accepting inadequate compensation, especially when medical records or repair estimates clearly support higher damages.

  • Misrepresenting Policy Terms or Coverage

    Some insurers improperly claim exclusions apply when they do not or misstate coverage limits. Misrepresenting the terms of a policy to avoid payment is a classic bad faith practice.

  • Ignoring or Failing to Respond to Communications

    Consistently unanswered calls, emails, or letters may be more than poor service. Lack of communication can be evidence that the insurer is not acting in good faith.

  • Shifting Blame Without Evidence

    Assigning fault without a factual basis or suddenly changing positions to reduce or deny payment may indicate improper claim handling.

What Policyholders Can Do If Bad Faith Is Suspected

Policyholders should keep detailed records of all communications, request written explanations for delays or denials, and avoid giving recorded statements without legal advice. Early legal guidance can prevent further harm and protect the claim. At the Law Offices of David J. Karbasian, PC, we often step in at this stage to stop improper tactics before they cause lasting damage to a claim.

How a Personal Injury Lawyer Can Help

A personal injury lawyer reviews the insurer’s conduct, compares it against legal obligations, and identifies violations. When bad faith is proven, policyholders may be entitled to compensation beyond the original claim, including damages caused by the insurer’s misconduct.

Read Also: Insurance Settlements and Personal Injury Claims

Contact the Law Offices of David J. Karbasian, PC

If you believe an insurance company is treating you unfairly, you do not have to handle it alone. At the Law Offices of David J. Karbasian, PC, we offer free consultations and never charge a legal fee unless we recover compensation for you. We’re available evenings and weekends, and we can meet you at home or in the hospital if needed.

Call 856-667-4666 / 856-600-HURT or contact us online to discuss your situation. We’ll hold the insurance company accountable while you focus on moving forward.

Filed Under: Personal Injury Tagged With:

Recovering Damages After a Personal Injury

March 18, 2021 by

What Types of Losses Can You Sue For?

Recovering Damages After a Personal InjuryA personal injury suffered in an accident caused by someone else’s negligence can change your life in an instant. You may be unable to work and pay your bills. You may need extensive medical treatment, and some of it might not be covered by insurance. You may be forced to stop doing many of the things you loved to do before the accident simply because the pain is too much. After an accident, what losses can you reasonably expect the at-fault party to pay?

The Two Types of Damages in a Personal Injury Lawsuit

At the most fundamental level, the damages (compensation for losses) available for personal injuries fall into two categories:

  • Compensatory damages—Those damages intended to reimburse or compensate you for an actual loss.
  • Punitive damages—Damages designed to penalize the wrongdoer, generally available only upon a showing of gross negligence or reckless indifference to the value of life. Punitive damages are rarely awarded in personal injury lawsuits.

The Different Types of Compensatory Damages

Compensatory damages are further identified as either economic or non-economic. Economic damages are those that are tangible and easily calculated in dollars and cents. They include lost wages and income, as well as any medical expenses not covered by insurance.

Non-economic damages, on the other hand, involve non-tangible losses that don’t have a readily discernible monetary value. They include:

  • Compensation for pain and suffering
  • Compensation for loss of enjoyment of life—These damages include the loss of the ability to do things that brought you joy or fulfillment before the accident or to engage in the simple activities of daily life, such as walking, sitting, dressing yourself, feeding yourself, driving a car, etc.
  • Compensation for loss of consortium or companionship—These damages are available when your injuries prevent intimate contact with a spouse or the physical company of others.

Contact the Law Offices of David J. Karbasian, PC

Send us an e-mail today or call us at 856-667-4666 / 856-600-HURT to schedule an appointment. We are currently communicating with clients by phone, text message, and videoconference. Evening and weekend consultations are available upon request.

Filed Under: Personal Injury Tagged With:

Do I Have a Personal Injury Claim?

September 18, 2020 by

Elements of a Personal Injury Lawsuit

Elements of a Personal Injury LawsuitAccidents happen, right? People rarely try to hurt you intentionally, and many mishaps don’t involve a callous indifference to others or reflect that a person simply didn’t care about the consequences of their actions. So how does the law treat those other everyday accidents? To recover damages, do you have to prove that the at-fault party was not only careless but also exhibited a clear disregard for the safety of others? In the American civil justice system, the answer is no.

What, then, must you prove in order to recover for personal injury or property damages stemming from an accident caused by another person? Most personal injury claims are based on a legal theory of negligence. To successfully recover compensation for negligence, you must prove the following elements:

  • Another person’s behavior fell short of the conduct reasonably expected of someone engaged in the same activity under the same circumstances. This element is commonly referred to as a “breach of the duty (or standard) of care;”
  • The breach caused an accident; and
  • As a result of the accident, you suffered actual losses (either physical injury, loss of property, or damage to property).

How does a person know what the expected duty of care should be? There are no specific laws setting forth what constitutes reasonable behavior in a given situation. Traditionally, “reasonable” is construed to be that type of conduct that would be engaged in by an “average person of ordinary prudence” under the same circumstances. As a practical matter, whether or not the defendant’s acts were reasonable is determined by the trier of fact—usually the jury—on a case-by-case basis. To ensure consistency of rulings, juries are required to follow the concept of stare decisis, which gives weight to prior rulings involving similar factual situations.

To establish the element of causation, you must show that the accident would not have happened had the defendant not breached the duty of care. You also must demonstrate that the accident and losses were reasonably foreseeable consequences of the defendant’s conduct.

Finally, you may recover only for uncompensated injuries you actually sustain. If your losses are covered by insurance, you cannot recover for them a second time. Furthermore, if property damage had no meaningful value, you have no right of recovery.

Contact the Law Offices of David J. Karbasian, PC

Send us an e-mail today or call us at 856-667-4666 or 877-HOGLAW1 / 856-600-HURT to schedule an appointment. We are currently communicating with clients by phone, text message, or online videoconference. Evening and weekend consultations are available upon request.

Filed Under: Personal Injury Tagged With:

The Impact of Not Wearing a Helmet on a Motorcycle Injury Claim

June 8, 2020 by

Can You Still Sue for Injuries Suffered as a Result of Someone Else’s Negligence?

The Impact of Not Wearing a Helmet on a Motorcycle Injury ClaimNew Jersey is one of 19 states that currently require anyone on a moving motorcycle to wear a helmet. Motorcycle operators and passengers may be ticketed for failure to comply with the law. But what are the consequences with respect to recovering for personal injury if you’ve been hurt in a motorcycle accident, but weren’t wearing a helmet? Will that failure prevent you from recovering anything?

New Jersey’s Modified Comparative Negligence Statute

Like all other states, New Jersey has replaced the old concept of contributory negligence (which would prevent a person from recovering anything in a personal injury claim if he or she contributed in any way to causing the injuries) with the principle of comparative negligence. Under New Jersey’s “modified comparative negligence” law, the fact that you were not wearing a helmet at the time of the accident may or may not prevent you from recovering for your losses. Here’s how it works.

Under comparative negligence law, a jury first determines the entire amount of your losses. The jury will then seek to establish the extent to which you were responsible for causing your injuries, expressing that as a percentage of total liability for your losses. In New Jersey, if the jury determines you were more than 50% responsible for your losses, you cannot recover anything.

If you have been injured in a motorcycle accident while not wearing a helmet, it’s very possible that the jury will consider your failure to wear a helmet as a form of negligence especially for a head injury. If the jury determines that your injuries were primarily the result of not wearing your helmet, you may be precluded from any recovery.

Contact the Law Offices of David J. Karbasian, PC

Send us an e-mail today or call us at 856-667-4666 or 877-HOGLAW1 / 856-600-HURT to schedule an appointment. We are currently communicating with clients by phone, text message or online videoconferencing. Evening and weekend consultations are available upon request.

Filed Under: Motorcycle Accidents, Personal Injury Tagged With:

Calculating Pain and Suffering in a Personal Injury Claim

October 23, 2019 by

How Will a Jury Determine the Monetary Value of Pain and Suffering?

Calculating Pain and Suffering in a Personal Injury ClaimWhen you’ve been hurt in an accident caused by the carelessness or negligence of another person, it’s pretty common to experience significant pain, either temporarily or for the rest of your life. That pain and suffering may make it difficult or impossible to work, and may force you to give up activities that have given joy, purpose or meaning to your life.

In a personal injury lawsuit, you have a right to seek compensation for that discomfort. It’s not easy to quantify that pain and suffering in dollars and cents, though. Ultimately, a jury will have to determine that you are entitled to damages for pain and suffering and will need to calculate the damage award. Here are some of the considerations that juries typically make when evaluating claims for pain and suffering:

  • How credible are you as a witness? Is your testimony consistent? Did the defense attorney raise doubts about your claims on cross-examination? Did you seem uncertain or lack confidence in your claims? What about your physical appearance? Did you look like someone they could trust? (It may not seem that your physical appearance should matter, but it does).
  • Does your claim follow logically? Do the injuries you allege you have suffered seem a reasonable consequence of the accident?
  • Is there medical or expert witness testimony to support your allegations? Does it seem credible? Is your expert witness effective? Has a clear connection been established between the accident and your pain and suffering?
  • Do you have a criminal record? It has nothing to do with your personal injury, but may affect your credibility.

Some Approaches to Damages for Pain and Suffering

Because of the uncertainty of these damages, different courts take different approaches. Many judges instruct the jury to use common sense when calculating the amount. Another common practice is to use a “multiplier.” In such a case, the court will determine the amount of “economic” damages (those that can easily be calculated) and then multiply that amount by a factor (typically anywhere from 1 to 10). Accordingly, if the court uses a factor of three and the economic damages are $500,000, the damages for pain and suffering will be calculated at $1.5 million.

Contact the Law Offices of David J. Karbasian, PC

Send us an e-mail today or call us at 856-667-4666 / 856-600-HURT to schedule an appointment.

Evening and weekend meetings can be arranged upon request. We’ll come to your home or the hospital to meet with you, if necessary.

Filed Under: Compensation, Negligence, Personal Injury Tagged With: , ,

How Much Is Your Personal Injury Lawsuit Worth?

October 9, 2019 by

The Different Types of Damage in a Personal Injury Claim

How Much Is Your Personal Injury Lawsuit WorthYou’ve been seriously hurt in an accident, and it wasn’t your fault. Your whole world has been turned topsy-turvy—you can’t work, you need significant medical care, and you find it difficult or impossible to do many of the things you love. You know you have a right to seek compensation for your losses, but you have no idea what will be covered. Here’s an overview of the types of damages that can be recovered in a personal injury lawsuit.

The Different Types of Damages

In any civil matter, where you seek reimbursement for losses incurred because of someone else’s wrongful act, there are two potential types of damages you can recover:

  • Compensatory damages—These damages are intended, as the term suggests, to “compensate” you for a specific loss. Almost all damages meted out in personal injury claims are compensatory.
  • Punitive damages—These damages, on the other hand, are intended both as a sanction for the defendant’s wrongdoing and a disincentive for others to engage in similar actions. As a general rule, punitive damages are rarely awarded in personal injury cases.

Compensatory damages are further subdivided between “economic” and “non-economic” damages. Economic damages are those that are easy to calculate, such as medical expenses, lost wages or income, or property damage. Non-economic damages are less tangible and harder to quantify. They include loss of companionship or consortium, loss of enjoyment of life, and
physical pain and suffering.

Contact Attorney David J. Karbasian

Contact our office online or call us at 856-667-4666 / 856-600-HURT to schedule an appointment. Your first consultation is without cost or obligation. The sooner you call, the sooner you can move forward with your claim. We can accommodate evening or weekend meeting requests and will come to your home, if necessary.

Filed Under: Personal Injury Tagged With: ,

Filing a Personal Injury Lawsuit—Part Two

September 20, 2019 by

Post-Discovery Motions | Preparation for Trial

Filing a Personal Injury Lawsuit—Part TwoYou’ve filed your complaint and the defendant has submitted an answer in a timely manner. You’ve also conducted all necessary depositions, and completed all other discovery. You’re ready to go to trial, right? Not quite yet…the court dockets are always extremely full, so judges have a vested interest in streamlining the trial process, or avoiding trial, if at all possible. That’s typically done though pre-trial motions, which come in two varieties—dispositive motions and evidentiary motions.

Dispositive Motions

A dispositive motion is one that seeks to either throw out certain claims or dismiss the lawsuit altogether. Such a motion can be filed by either party. An injured party may ask the court for summary judgment, arguing that the discovery has produced no evidence that could support any type of meaningful defense. Conversely, the defendant may ask the court to dismiss some or all of the lawsuit, contending that the plaintiff has not provided sufficient evidence to prove all the required elements of the claim.

Evidentiary Motions

In the American civil justice system, the concept of “open discovery” prevails. That means that both parties are entitled to access to all relevant information and evidence. It also means that, during the discovery process, evidence may be gathered that may not be admissible at trial. It may be based on hearsay, may be argumentative or may be an opinion not based on fact. The court will typically allow parties to gather that type of evidence outside of the hearing of the jury, but cannot allow such evidence at trial, as it may unfairly bias the jury. Rather than have the discussions at trial, where the jury may hear something they shouldn’t, the court will usually hear arguments and make rulings about certain types of evidence before the trial starts.

Contact the Law Offices of David J. Karbasian, PC

Send us an e-mail today or call us at 856-667-4666 / 856-600-HURT to schedule an appointment.

Evening and weekend meetings can be arranged upon request. We’ll come to your home or the hospital to meet with you, if necessary.

Filed Under: Personal Injury Tagged With: ,

Filing a Lawsuit for a Personal Injury—Part One

September 10, 2019 by

Initiating the Legal Process in Court | Gathering Evidence

Filing a Lawsuit for a Personal Injury—Part OneWhen you’ve been hurt because of the carelessness or negligence of another person, you hope that you can get the compensation you need to cover your losses without the need to file legal action. Unfortunately, that doesn’t happen very often. In most instances, you’ll need to hire an experienced personal injury lawyer and methodically move through the legal process. In this series, we provide an overview of what you can expect when you file a civil lawsuit for damages suffered in an accident.

Step One—Filing Your Claim

To initiate a lawsuit, you must file a document known as a “complaint.” The complaint must be filed in the appropriate jurisdiction—both geographically and in terms of the types of matters heard by the court. As a general rule, most personal injury claims are filed in state court, but there are circumstances where a federal court will have jurisdiction. Typically, the injured party initially establishes jurisdiction by filing with a specific court, though the defendant may seek a change of venue, or to have the lawsuit dismissed for lack of jurisdiction.

In addition to filing in the appropriate court, you must also file in a timely manner. The statute of limitations sets forth the maximum amount of time you have to file, typically two years from the date of injury or discovery of injury. Once your complaint is filed, the defendant must file an answer within a specified period, usually 28 days. If the defendant fails to do so, you can ask the court for a default judgment.

Step Two—The Discovery Process

If there’s a timely response to your complaint, the judge will customarily set up an initial conference. That meeting usually has three functions:

  • It allows the judge to learn about the case
  • It gives the judge the opportunity to determine whether settlement is likely (and to encourage that process)
  • It allows the judge to set a discovery schedule

Discovery is a legal term that refers to the gathering of evidence. The judge will set a calendar for the completion of discovery and set any necessary limits on discovery. As a general rule, discovery is obtained through

  • Depositions
  • Requests for production of documents or other physical evidence
  • Interrogatories (written questions submitted to the other party)

Contact Attorney David J. Karbasian

Contact our office online or call us at 856-667-4666 / 856-600-HURT to schedule an appointment. Your first consultation is without cost or obligation. The sooner you call, the sooner you can move forward with your claim. We can accommodate evening or weekend meeting requests and will come to your home, if necessary.

Filed Under: Negligence, Personal Injury Tagged With: ,

What Can I Expect to Recover in a Wrongful Death Action?

August 12, 2019 by

The Damages Available in an Accidental Death Claim

Tipped over truck

In New Jersey, when your loved one has died because of the wrongful, careless or negligent acts of another person, and you can demonstrate that you qualify as a “real party in interest,” you have the right to bring legal action to compensate you for your losses. Of course, if your claim is based on allegations of negligence, you’ll need to show that the defendant failed to meet the standard of care, causing your loved one’s death.

If you can prove these elements, though, you have a right to pursue monetary compensation for:

  • The loss of all financial support you would have received from the deceased, based on his or her expected income. As a general rule, the amount of lost wages will be calculated based on the decedent working until retirement. A spouse will be entitled to all lost wages, whereas a child will be able to recover lost support until he or she would reasonably be expected to be self-sufficient.
  • An medical expenses incurred by the deceased as a result of the fatal accident
  • The costs of burial and funeral services
  • The loss of the companionship or consortium that the decedent would have provided, including comfort, care and guidance
  • The value of all services the deceased would have provided, such as childcare, housekeeping, cooking, laundry, home maintenance and yard/garden

New Jersey law does not permit a survivor or family member to seek any type of damages for emotional distress or injury in a wrongful death claim. A survivor, may, however, file a separate lawsuit for intentional or negligent infliction of emotional distress.

Contact Attorney David J. Karbasian

Contact our office online or call us at 856-667-4666 / 856-600-HURT to schedule an appointment. Your first consultation is without cost or obligation. The sooner you call, the sooner you can move forward with your claim. We can accommodate evening or weekend meeting requests and will come to your home, if necessary.

Filed Under: Personal Injury, Wrongful Death

New Jersey Supreme Court Issues Ruling in PIP Claim

June 27, 2019 by

Court Rules That Personal Injury Protection Is Only Recourse for Claims under $250,000

PIP ClaimIn March, 2019, the New Jersey Supreme Court handed down its decision in two consolidated cases (Haines and Little), overturning a lower court ruling addressing the rights of injured parties to seek compensation from at-fault parties after a motor vehicle accident. Here’s an overview of the court’s ruling and how it affects drivers in New Jersey.

Under New Jersey’s personal injury protection (PIP) laws, which have a default amount of $250,000 (among the highest in the nation), any expenses resulting from a motor vehicle accident that are “medically necessary” and proven to be caused by an accident are paid, regardless of fault. In exchange, any such expenses paid are not admissible and cannot be recovered in a personal injury lawsuit.

However, the state of New Jersey modified the law to allow residents to choose lower PIP coverage and thereby pay smaller premiums. A person may choose PIP coverage as low as $15,000. After the changes in the law, individuals who obtained the $15,000 coverage, but suffered damages in excess of that amount, would seek to introduce evidence of those losses at a personal injury trial.

In one of the first rulings, a Bergen County court held that evidence of medical expenses in a motor vehicle accident lawsuit are admissible only to the extent they exceed the $250,000 ceiling set forth in the law. In other words, by opting for lower PIP coverage, policyholders have waived the right to recover any damages between the policy amount and the statutory PIP amount of $250,000. Another court, in Union County, came to the opposite conclusion.

In 2017, a New Jersey appellate court cleared up the differing opinions, agreeing that injured parties could directly sue an at-fault party for damages between the amount of their PIP coverage and the statutory amount. The March decision by the New Jersey Supreme Court overturns that decision. The court reasoned that the legislative intent was to contain costs, and concluded that allowing parties to seek recovery of damages above their PIP coverage, but below statutory amounts, would contradict that intent.

For now, then, there’s a bit of a risk in choosing a lower PIP amount. You’ll be able to save some dollars on your premium, but you could have tens or hundreds of thousands of dollars of unrecoverable losses if you are in an accident.

Contact the Law Offices of David J. Karbasian, PC

Send us an e-mail today or call us at 856-667-4666 / 856-600-HURT to schedule an appointment.

Evening and weekend meetings can be arranged upon request. We’ll come to your home or the hospital to meet with you, if necessary.

Filed Under: Personal Injury Tagged With:

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