Insurance Companies Have Met Their Match

At Presley & Presley, LLC, we’ve been taking on insurance companies for over 45 years, combined.

Hundreds of Millions Won On Behalf of Our Clients

Our team at Presley & Presley, LLC has decades of courtroom experience when it comes to handling complex cases of insurance bad faith. Insurers are notoriously difficult to deal with, but over more than 45 years and thousands of cases, we have learned their tricks. Don’t accept a claim denial: Call our team to fight for you. If you’re entitled to compensation, we will do all we can to help you receive it.


What Can I Do If My Insurance Company Won’t Pay?

Dealing with insurance is frustrating even if the representatives you speak with are forthright. When they try to ignore your claim, it can be hard to know what to do. Your first step should be to contact an attorney with experience handling bad faith insurance claims. Our team can go through the specifics of your case with you and explain what your options are.

My Insurer Won’t Pay for a Crash I Caused

Though insurers tend to put their own interests first when it comes to paying claims, they are actually contractually bound to act in your best interests. When facing claims from a third party, it is illegal for them to:

  • Fail to defend you if a claim is made against you
  • Refuse to settle for damages that are within the scope of your policy

Both of these negligent actions could lead to you facing a lawsuit and having your finances threatened. It should go without saying that, if an insurer has agreed to cover certain damages, they cannot pass that burden on to you. If they try to, our team can help you file a lawsuit to compel them to pay.

Want to learn more? Contact us at (855) 981-6116 to speak with a member of our legal team today.

I Have Uninsured/Underinsured Motorist Coverage, but My Insurer Won’t Honor It

Also known as a first-party claim, this type of refusal to provide payment contractually owed you is illegal. That means if you purchased uninsured/underinsured motorist coverage and were involved in a hit-and-run that would be covered by it, your insurer must take action to resolve it in a timely matter. They cannot deny a claim without solid evidence to support their decision, nor can they refuse to investigate your claim to avoid their obligation to pay.

If your insurer is unreasonably delaying your claim or has denied it for an invalid reason, you may be able to take them to court for vexatious refusal to pay. Our attorneys can help you get your suit started.

We Are Not Afraid of a Fight

Our Firm's Values
  • Highly Skilled in Personal Injury & Insurance Bad Faith
  • Hundreds of Millions Recovered for Our Clients
  • One of the Most Distinguished Firms in the Industry
  • More Than Three Decades of Experience

Insurance Companies Shouldn't Have The Final Say

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Insurance Bad Faith Lawyers in Kansas City

Why You Need Presley & Presley, LLC for Your Bad Faith Claim

Bad faith claims and lawsuits against insurance companies are demanding and complicated, especially because these corporations have great wealth, attorneys on their payroll, and a drive to protect profits at the expense of all else. You can be sure they will put up a fight if you accuse them of acting in bad faith. You need a team with the experience, skills, and tenacity to fight back.

Our firm has always had a passion for protecting the rights of those who have been wrongly injured. We have seen countless individuals taken advantage of by insurance companies that are shameless in their unfair tactics. Our attorneys take pride in our demonstrated ability to stand up to large, corporate insurance companies and hold them accountable for the agreements they make with the public.

If you have to file an insurance claim, chances are you have already suffered enough. Unfortunately, in many of these instances, your insurance provider may, in bad faith, refuse to pay. This means even though your claim is wholly legitimate, they will not give you what they owe. Not only can this be frustrating, but it can also make you feel hopeless in the face of mounting bills and other expenses. If this sounds like you, know that you may have recourse.

Bad Faith Actions (or Inaction) by Insurance Companies

The point of purchasing an insurance policy is peace of mind. Should a negative and costly event occur, having an insurer will protect you from most, if not all, of the unexpected expenses. This is the basic agreement we all enter with insurers when purchasing a policy.

However, when the insurance company, for whatever reason, fails to act as it is supposed to, you may be involved in a bad faith issue. Bad faith occurs when one party fails to fulfill the legal or contractual obligations to which it has agreed. This may include them misleading the other party, entering into a contract without the means or intention to honor it, or violating accepted standards of honesty in business dealings.

The following actions made by your insurance provider often indicate bad faith:

  • Failure to either pay or deny a claim within a reasonable period of time
  • Failure to promptly respond to your questions or concerns
  • An attempt to settle a claim for less than a reasonable person would consider fair
  • Unreasonable documentation and/or paperwork requests
  • Failure to provide supporting documentation when denying your claim

In their attempts to save money, insurers have found many ways to act in bad faith. They may try to dodge paying a claim by purposefully misinterpreting the language used in their policy; fail to disclose certain limitations of the policy when you purchase it; engage in unreasonable delays in your dealings; fail to conduct an investigation of your losses; or make arbitrary or unreasonable requests in asking you to prove the loss you have sustained. Such tactics may be so bad they are considered abuse.

Though auto insurers are the worst offenders, bad faith can occur with any type of insurance policy, from homeowners’ and renters’ policies to health and life insurance. When such a situation arises, your best chance for recourse may be to file a lawsuit.

If you think your provider has acted in bad faith, we want to know your story. Contact our team at (855) 981-6116 as soon as possible to get a free case evaluation.

Our Awards & Accolades

  • Lawyer of the Year
  • Top 10 Trial Lawyers: Insurance Bad Faith
  • Best Lawyers: Best Law Firms U.S. News 2020
  • American Association for Justice
  • Kansas City Business Journal: Best of The Bar
  • The National Trial Lawyers: Top 100
  • Best Lawyers: 2021
  • Super Lawyers

Real Stories from Real People.

  • “Presley & Presley went above and beyond the call of justice, Matt and Kirk did an excellent job in representing my case. Thank you for all the time, effort and hard work.”

    - Michael
  • “I can't begin to thank Kirk Presley and his staff enough. I would highly recommend them to fight for you.”

    - Georgia
  • “This law firm has been more than a blessing to me and my family.”

    - Rebecca
  • “They have made sure my son was absolutely taken care of! Having Mr. Kirk Presley work with my family has been a blessing.”

  • “If I'm ever in need of legal assistance again, I will without a doubt be returning to this law firm.”

    - Carlos

Insurance Bad Faith FAQs

  • Q:What Does Bad Faith Mean?

    A:The definition of bad faith varies from state to state. In Missouri, all insurers have a duty to defend and indemnify (to compensate for harm or loss) their clients. When an insurance company breaches either duty, the insured may have a cause of action for a bad faith claim. 

    Missouri insurance policies are regulated by “the implied covenant of good faith and fair dealing” when it comes to negotiating and providing settlements. If an insurer acts unfairly or without transparency while working on your settlement, they are likely acting in bad faith.

  • Q:Are Bad Faith Claims Different Than Failure to Defend?

    A:Missouri courts have recently recognized that failure to provide their insured a defense can be considered bad faith. These cases normally arise from a wrongful denial of coverage. If your settlement or financial wellbeing is affected in any way by a first- or third-party insurer, you may have grounds for a bad faith claim.

  • Q:What’s the Difference Between First-Party and Third-Party Bad Faith Claims?

    A:An easy rule of thumb to differentiate first-party and third-party claims is this: First-party claims involve benefits you are owed directly under the terms of your own policy, like uninsured motorist coverage, medical payments, and the like. Third-party claims involve your carrier protecting you from personal liability when you are responsible for someone else’s injuries. Here are some examples of how these claims may look.

    First-party bad faith is very simple: If you make a claim against your own insurance company for benefits, like uninsured or underinsured motorist coverage, and the insurer fails or refuses to pay your claim, you may be allowed to claim additional damages if their actions have no reasonable cause or excuse. This is known in Missouri as a vexatious refusal to pay.

    For third-party claims, you may face the prospect of financial penalties when you should not. If you cause an accident, for example, and the person you harmed requests a settlement of full policy limits, your insurance company should negotiate the request to protect you from a lawsuit. If your insurer does not act in your best interest by settling the case for the policy limits when they had the chance and thereby puts your personal assets at risk, you may have grounds for a third-party bad faith claim.

  • Q:Is There a Statute of Limitations for Bad Faith Insurance Claims in Missouri?

    A:Yes. In Missouri, you should have 5 years to file a formal claim against your insurance company. This is per Missouri revised statute 516.120. However, you should also be mindful of your insurance company’s regulations, as they might differ from state law.

  • Q:What Damages Can I Recover from a Bad Faith Lawsuit?

    A:The process of gathering evidence of bad faith begins with the insurance company claim file. Typically, carriers maintain a “claims diary,” or a computer record of all file activity. This can help you lay out a timeline for your claim. You can also help your case by keeping a record of all correspondence received from your insurer and making detailed notes of any conversations with its adjusters. This will go a long way toward demonstrating the bad faith approach your insurer took.

  • Q:What Is the Duty of Proof in Bad Faith Lawsuits?

    A:The process of gathering evidence of bad faith begins with the insurance company claim file. Typically, carriers maintain a “claims diary,” or a computer record of all file activity. This can help you lay out a timeline for your claim. You can also help your case by keeping a record of all correspondence received from your insurer and making detailed notes of any conversations with its adjusters. This will go a long way toward demonstrating the bad faith approach your insurer took.

Nationally-Recognized Representation

We Are Unafraid to Go Head-to-Head With Insurance Companies
  • Kirk  Presley Photo
  • Jill  Presley Photo
  • Sean  Brown Photo
  • Matt  McCoy Photo
  • Kirk  Presley Photo
    Kirk Presley

    Founding Attorney

    With more than 30 years of legal experience in and out of the courtroom, Kansas City personal injury attorney Kirk Presley serves clients facing the most complex and significant plaintiff's personal injury cases involving insurance bad faith, transportation accidents, and aviation accidents.
  • Jill  Presley Photo
    Jill Presley

    Founding Attorney

    Attorney Presley focuses most of her practice today representing people who have suffered personal injuries and wrongful death. She spends a significant amount of time working on catastrophic injury, transportation accidents, aviation accidents, and insurance bad faith claims, and is also very experienced in jury selection.
  • Sean  Brown Photo
    Sean Brown


    While in law school, Sean Brown was a member of the UMKC Law Review and the honor court, and also served as the President of the Federalist Society. He also interned with a United States District Court judge for the Eastern District of Missouri.
  • Matt  McCoy Photo
    Matt McCoy


    Kansas City personal injury lawyer Matt McCoy was born and raised in Clinton, Missouri where he grew up playing sports and hunting and fishing with his two brothers. He received his undergraduate degree in political science from the University of Central Missouri in Warrensburg, Missouri.