How Spokane Personal Injury Attorneys Maximize Settlements

Author: Candice Bond

Maximize Your Injury Settlement: How Spokane Attorneys Fight Insurance Bad Faith

When you're seriously injured in Spokane—whether in a car accident, slip and fall, or another incident—the last thing you expect is to battle your own insurance company. Unfortunately, many injury victims face delays, lowball offers, or outright denials when they seek fair compensation. If this sounds familiar, it may be time to speak with a Spokane personal injury attorney—especially one skilled in bad faith insurance litigation.

What Is a Personal Injury Settlement?

A personal injury settlement is financial compensation for harm caused by someone else’s negligence. This includes:

  • Medical expenses (current and future)

  • Lost income or reduced earning potential

  • Pain and suffering

  • Property damage

  • Emotional distress

  • Loss of consortium

Most cases settle out of court, but if the insurance company refuses to negotiate fairly, litigation may be necessary.

The Role of a Spokane Personal Injury Attorney

A personal injury lawyer in Spokane is your advocate—handling the legal, emotional, and procedural challenges of your case. Here’s how they help:

  • Investigate your case thoroughly with police reports, medical records, and expert analysis.

  • Calculate damages accurately, factoring in long-term medical care and non-economic losses.

  • Negotiate with insurers, pushing back against tactics designed to undervalue your claim.

  • Prepare for litigation if necessary, including filing lawsuits and identifying signs of bad faith.

Common Bad Faith Insurance Tactics

Insurance companies often try to minimize payouts. Common signs of bad faith include:

  • Delayed or ignored communications

  • Unreasonable denial of claims

  • Low settlement offers that don’t cover basic costs

  • Misrepresentation of your policy

  • Unnecessary paperwork or shifting excuses

What Is Insurance Bad Faith?

Insurance bad faith occurs when an insurer violates its duty to act fairly. This may include:

  • Failing to investigate your claim properly

  • Unjustified delays or denials

  • Offering unreasonably low settlements

  • Ignoring clear liability

    Washington law protects consumers under the Insurance Fair Conduct Act (IFCA), RCW 48.30.010, and WAC 284-30-330, allowing you to sue for damages beyond your initial claim—including emotional distress, attorney’s fees, and punitive damages.

How Spokane Injury Lawyers Maximize Settlements

Top injury attorneys in Spokane follow proven strategies:

  1. Document everything—from medical records to lost wages and psychological impacts.

  2. Hire experts—medical specialists and accident reconstructionists strengthen your claim.

  3. Send strong demand letters that outline legal arguments and clear evidence.

  4. Identify bad faith early to pressure insurers into fair negotiations.

  5. File lawsuits if insurers refuse to cooperate.

When to Pursue a Bad Faith Lawsuit

Consider legal action for bad faith if:

  • Your claim is unjustifiably denied or delayed

  • The insurer ignores or intimidates you

  • They refuse to settle despite clear liability

In these cases, your attorney may file a separate bad faith claim alongside your injury case—potentially doubling or tripling your compensation.

Get the Legal Help You Deserve

If your injury claim is being mishandled, don’t wait. A skilled Spokane personal injury attorney can ensure you’re treated fairly and fight for the full compensation you’re owed.