Wisconsin Bad Faith Insurance Laws
The insurance market is built on a certain level of trust. In exchange for purchasing the appropriate level of coverage for your home, car, health, or other asset and paying your premiums on time, you trust that the insurer will be there in times of need. State regulations are intended to keep insurance companies honest -- to have enough cash on hand to pay out claims, to honor all legitimate claims in a timely fashion, and to generally act in good faith. When insurers try to give consumers the run-around, it's often referred to as acting in "bad faith." If you believe your insurer has acted in bad faith, you may be able to file a claim.
Learn more about Wisconsin's bad faith insurance laws below. See FindLaw's Insurance section for additional resources.
Wisconsin Bad Faith Insurance Laws: The Basics
|Statutes and Codes|
|Unfair Claim Settlement Practices (Bad Faith)||
Any of the following acts, if committed without just cause and performed with such frequency as to indicate general business practice, shall constitute unfair methods and practices in the business of insurance:
Any of the following acts shall constitute unfair methods and practices in the business of insurance:
|Elements of a Bad Faith Insurance Claim in Wisconsin||
An insured individual (plaintiff) must prove the following in order to establish a legal claim of bad faith insurance (Anderson v. Continental Ins. Co., 85 Wis.2d 675, 691 (1978)).
|How to File a Complaint||
Filing an Insurance Complaint (Wisconsin Commissioner of Insurance)
Note: State regulations are always subject to change through the passage of new legislation, rulings in the higher courts (including federal decisions), ballot initiatives, and other means. While we strive to provide the most current information available, please consult an attorney or conduct your own legal research to verify the state law(s) you are researching.
Research the Law
- Wisconsin Law
- Official State Codes - Links to the official online statutes (laws) in all 50 states and DC.
Get Professional Legal Help with Your Bad Faith Insurance Claim
When you pay your premiums, make timely claims, and generally follow the rules, you expect your insurer to also play by the rules. But if the insurer acts in bad faith -- denying a perfectly legitimate claim, for instance -- you may be able to file a claim. Make sure you follow the procedures outlined by the insurance commissioner; but you also may choose to speak with a Wisconsin insurance attorney experienced in bad faith claims.
You Don’t Have To Solve This on Your Own – Get a Lawyer’s Help
Meeting with a lawyer can help you understand your options and how to best protect your rights. Visit our attorney directory to find a lawyer near you who can help.
Next Steps: Search for a Local Attorney
Contact a qualified attorney.