Utah law gives policyholders powerful protection against deceptive, coercive, or bad-faith behavior by insurance companies. Under the Utah Administrative Code—specifically R590-190-9 and R590-190-12—insurers must follow strict standards when adjusting, evaluating, and settling claims.
Here is part 6 of 10 major practices that insurers in Utah are legally prohibited from using, along with expanded explanations to help you recognize violations.
Misleading You About Legal Deadlines
Insurers are strictly prohibited from misleading claimants about critical deadlines. They cannot confuse you regarding statutes of limitation or specific policy deadlines. Companies must clearly explain all claim filing requirements and dispute timeframes. These rules exist to prevent bad faith actors from intentionally running out the clock. Deceiving a consumer into missing a crucial cutoff is a serious legal violation.
For example, an adjuster might falsely tell you not to worry about an upcoming deadline. If they subsequently deny your claim because that exact deadline passed, they acted unlawfully.
Always document every phone call and save all written correspondence to protect your rights. You can file a formal complaint with your state insurance commissioner for these unfair offenses.
Need Legal Help With an Insurance Dispute?
Contact Attorney David Head
If your insurance company is delaying, denying, or undervaluing your claim, Attorney David Head can help you stand up to unfair practices and fight for the benefits you deserve.
Whether your dispute involves auto, homeowners, health, life, disability, or commercial insurance, David has extensive experience navigating complex insurance litigation and negotiating with carriers who are acting in bad faith.
đź“ž Phone: 801-691-7511
David Head has spent years holding insurers accountable, challenging unlawful denials, and protecting Utah consumers and businesses from bad faith claim practices.