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An insurance company underpaying your claim can leave you frustrated and uncertain about your next steps. At Regan Zambri Long, our Washington, DC bad faith insurance lawyers bring almost 200 years of combined experience to every case we handle. Two of our partners rank among the top 1% of trial lawyers in the nation, and our board-certified trial attorneys have built a reputation for standing up to powerful insurers and securing fair outcomes for shortchanged policyholders.
We know how to challenge undervalued claims, investigate the full scope of your losses, and pursue the compensation you are entitled to under your policy. Our award-winning attorneys have achieved hundreds of successful results, combining legal skill with the resources needed to take on complex disputes.
Has your insurance company underpaid your injury claim? Our legal team has more than 100 5-star Google reviews, and understands how discouraging it feels when an insurer minimizes your losses. Contact Regan Zambri Long today, and one of our experienced attorneys will call you back to explain your options. There is no fee unless we win, and we are available 24 hours a day, 7 days a week.
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Insurance can be confusing and frustrating. Companies don’t always play fair, and this lack of fair dealing can affect your claim. They want to protect their profits, which sometimes means paying you less than you deserve, but you have protection. The law is on your side. Code of the District of Columbia § 31–2231.17 is there to protect you. Insurance companies have strict rules they must follow. These rules are designed to keep them honest and protect you from being taken advantage of in bad faith.
Insurance companies are not allowed to play mind games with you about your policy. They cannot give you wrong information on purpose about what is covered. If there are important details about your coverage or policy limits, they must be upfront and clear with potential policyholders. The insurance company is forbidden from changing your application behind your back or making up reasons to deny your claim in bad faith. Transparency is key, and they must be honest about every aspect of your policy.
Insurance companies have a long list of tricks they’re not allowed to use. They cannot trick you into accepting less money than you truly deserve. Pressure tactics are forbidden:
When it comes to settling claims, insurance companies have to play fair. If it’s clear that you’re owed money, they must make a genuine effort to settle your claim. This means they should pay you the amount a reasonable person would expect based on the damage or loss. Complete transparency is required. They must explain exactly how they calculated your payment. Honesty about the coverage you’re receiving is non-negotiable. No hidden clauses or surprise limitations.
It’s hard to know on your own if your insurance claim was underpaid – especially if it’s the first time you’ve had to use your car insurance, home insurance, or other type. However, there can be some warning signs that the insurance company potentially undervalued your claim, and as a result, you did not receive the appropriate payment. A few things to look out for include:
Protecting yourself starts with careful documentation:
Keeping detailed records can support your strongest defense. They help prove what happened to you and how much it cost.
Getting help can make a big difference in your case. A private insurance adjuster can give you a second opinion about your claim. A bad faith insurance attorney can help you understand your rights. They can spot problems you might miss. Crash reconstructionists, claims specialists, and medical experts can help turn a low-ball offer into compensatory damages that reflect your true losses.
If you feel your insurance company is treating you unfairly, you have options. Your first step is to contact Washington, DC’s insurance commissioner. These official watchdogs protect consumers from bad insurance practices.
Sometimes you can solve insurance conflicts without a lawsuit. You have two main options: mediation and arbitration.
At Regan Zambri Long PLLC, our bad faith insurance attorneys have decades of experience handling these cases and battling large insurance companies on behalf of our clients.
Since 1997, our firm has achieved dozens of multimillion-dollar settlements and verdicts for clients across the greater DC Metro area, recovering more than a $1 billion in personal injury awards. That success is grounded in a culture of excellence shaped by national recognition and peer respect.
All six partners have been named to the Lawdragon 500 Leading Plaintiff Consumer Lawyers list for 2025, while several have earned Best Lawyers “Lawyer of the Year” honors in areas such as product liability, medical malpractice, and workers’ compensation. Our three senior partners are board-certified by the National Board of Trial Advocacy, and partners Salvatore Zambri, Paul Cornoni, and Patrick Regan have been selected among the Top 100 Super Lawyers in Washington, DC, reflecting the firm’s skill, ethics, and record of results in complex litigation.
If you feel that you may have a bad faith lawsuit, contact us today for a free consultation. You will never pay an attorney’s fees unless we win your case.
A bad faith insurance claim is when an insurance company treats you unfairly on purpose. They might try to pay you less money than you should get. This can mean offering you a small amount of money quickly, hoping you’ll accept it without thinking. They’re trying to save money by not paying you what you really need.
Not all low-paid claims constitute bad faith. Look for these warning signs of intentionally underpaid claims:
Have you or your loved one sustained injuries in Washington DC, Maryland or Virginia? Regan Zambri Long PLLC has the best lawyers in the country to analyze your case and answer the questions you may have.