Generally insurance is a contractual relationship by which one party promises to pay for the other party’s loss that may or may not occur, up to a certain amount (policy limit), in exchange for a series of preceding payments known as the premium. All is well and dandy if the Insurer fulfills their obligation to cover the loss. However unfortunately more and more often the Insurers renege when it comes time to pay, to such extent that Commonwealth of Pennsylvania has long ago enacted a statute 42 Pa.C.S.A. § 8371, creating a separate cause of action design to remedy the injustice thereby created. Upon showing that certain culpability thresholds are met, the statute allows for a monetary punishment from the Insurer to the benefit of the insured. Mr. Filipovic currently handles select cases of bad faith in insurance on the behalf of maltreated insureds.

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