Attorney’s Choice – The Bulldog Other Attorneys Hire
Attorney’s Choice – The Bulldog Other Attorneys Hire
You paid the premiums, and when it finally mattered the insurance company delayed, lowballed, or denied the claim. Henderson insurance bad faith attorney Kim Welch takes those cases. An insurer owes its own policyholder a duty of good faith and fair dealing, and when it breaches that duty the exposure goes beyond the benefits owed under the policy — it can include the consequential harm the denial caused, attorney’s fees, and in serious cases punitive damages. Kim Welch’s practice is built on knowing how adjusters evaluate claims, which is exactly what it takes to prove one acted unreasonably.
Nevada law gives policyholders real tools. NRS 686A.310 lists unfair claims practices — misrepresenting policy provisions, failing to acknowledge and act reasonably promptly, failing to adopt reasonable standards for investigating claims, failing to attempt a good faith settlement where liability is reasonably clear, and compelling insureds to sue to recover amounts due. Nevada courts also recognize a common law bad faith claim for denying benefits without a reasonable basis. The pattern we see most: an underinsured motorist claim ignored for months, an unexplained “independent” medical review that contradicts your treating doctors, or a first-party property claim cut to a fraction of the repair estimate.
Most bad faith cases start as ordinary claims that went wrong. A Henderson homeowner with monsoon water damage or a roof loss told the damage is wear and tear. A driver with serious injuries whose own UM carrier sits on the file after the at-fault policy is exhausted. A business interruption or commercial claim held hostage to endless document requests. Kim Welch Law builds the record that shows the pattern: the claim file, the adjuster’s notes and internal guidelines, the timeline of what the insurer knew and when, and what a reasonable investigation would have found.
There is usually a right sequence to these disputes, and getting it wrong costs money. That can mean documenting the loss thoroughly, invoking the policy’s appraisal or appeal provisions, making a supported demand within limits, or filing a complaint with the Nevada Division of Insurance — and then suing when the insurer still will not pay. Kim Welch will tell you plainly whether what you are experiencing is a slow claim or actual bad faith, because those are not the same thing and you deserve an honest answer. Deadlines here vary: a bad faith tort claim and a breach of contract claim run on different clocks, and policies contain their own suit limitation provisions, so review the policy early.
Denying or delaying benefits without a reasonable basis, and the unfair claims practices listed in NRS 686A.310 — among them failing to investigate reasonably, failing to respond promptly, misrepresenting policy terms, and refusing to settle in good faith where liability is reasonably clear.
No. Claims legitimately take time, and a genuine dispute about coverage or value is not bad faith. What matters is whether the insurer had a reasonable basis for what it did and whether it actually investigated.
The benefits owed under the policy, the additional harm the denial caused, and potentially attorney’s fees and punitive damages where the conduct was egregious. That is why insurers take these claims seriously.
Yes. The duty of good faith runs to you as the policyholder, and first-party disputes — UM/UIM, homeowners, commercial — are where most bad faith claims arise.
Document everything, request a complete copy of the policy and the claim file, put your position in writing, use the policy’s appraisal or appeal rights where they apply, and consider a complaint to the Nevada Division of Insurance. Do that with a lawyer’s guidance so you do not waive rights.
It depends on whether the claim is framed as bad faith, breach of contract, or a statutory violation — each has its own deadline, and the policy itself may impose a shorter suit limitation period. Have the policy reviewed early.
After being involved in my first car accident, I didn’t know where to begin the legal process until I came across Kim and her team. They were truly amazing. Not only are they very professional, but also they care for their clients.
I could not be more thankful for Kim and her team! She is hands down the best representation to have for your car accident / injury case. Kim doesn’t back down and she doesn’t settle for anything less than you deserve.
Kim and her staff explained everything that needed to happen to file a claim, kept me informed, handled paying the bills (which were significant) and most importantly understood and advocated for us.
132 E. Las Animas St.
Colorado Springs, CO 80903
321 N. Pecos Rd., Ste. 300
Henderson, NV 89074
Kim Welch Law is an experienced accident attorney you need fighting for You in Colorado Springs & Las Vegas.