Phoenix Bad Faith Insurance Lawyer

Disclaimer: As a boutique law firm specializing in complex bad faith insurance cases, we are unable to assist with smaller claim denials.

The law firm of Dawson & Rosenthal, P.C., represents policyholders who have been given the runaround by insurance companies and are struggling to collect the benefits their policy outlines.

About Dawson & Rosenthal, P.C.

For over two decades, Dawson & Rosenthal, P.C. has focused exclusively on insurance bad faith litigation. We represent individuals and businesses across Phoenix and the state of Arizona who have had legitimate insurance claims unfairly delayed, underpaid, or denied. Unlike high-volume firms, we take on a limited number of cases to give each client the aggressive and personalized representation they deserve.

Why Choose Us?

At Dawson & Rosenthal, P.C., we understand the pressure and frustration that come with a bad faith insurance denial. Our attorneys are committed to holding insurance companies accountable and helping clients get the benefits they deserve. Here’s what sets us apart:

70+ years of combined legal experience
Decades of focused expertise in bad faith insurance litigation
Selective caseload to ensure each client receives full attention
Fearless trial advocacy when insurance companies refuse to do the right thing

Legal Rights of Policyholders in Arizona

In Arizona, insurance companies are legally required to act in good faith and fair dealing when handling claims. This duty is protected under Arizona’s Unfair Claims Settlement Practices Act (A.R.S. § 20-461), which outlines specific behaviors that insurers must avoid. When insurers breach this duty, it may constitute insurance bad faith, giving policyholders the right to pursue legal action. Some examples of bad faith conduct under Arizona law include:

Unreasonable Delays: Insurance companies dragging out the claims process without justification or repeatedly asking for the same information.
Failure to Pay a Valid Claim: Denying benefits that are clearly covered under your policy.
Lack of Proper Investigation: Making a claims decision without reviewing medical records, hiring experts, or considering all relevant facts.
Lowball Settlements: Offering far less than the actual value of the claim to pressure a quick resolution.

Arizona law recognizes that insurance bad faith can cause serious harm, especially when a delay or denial impacts your health, finances, or ability to recover. If your insurer acted unfairly or dishonestly, you may be entitled to these damages:

Compensatory damages: To cover the benefits you were denied, as well as financial losses caused by the delay or denial.
Emotional distress damages: If the insurer’s conduct caused mental anguish or worsened a serious condition.
Punitive damages: In cases of particularly egregious or intentional misconduct, Arizona courts may award additional damages to punish the insurance company and deter future abuse.

At Dawson & Rosenthal, P.C, our Phoenix bad faith insurance attorneys know how to identify these violations and hold insurers accountable. We’ll evaluate your claim, policy language, communications, and insurer behavior to determine if your legal rights were violated, and what compensation you may be entitled to.

Fighting Against Bad Faith Insurance Claims in Arizona

Insurance companies often put their profits ahead of their policyholders. Our firm holds them accountable across a wide range of policies:

Disability Insurance
Long-Term Care Insurance
Own Occupation Disability Policies
Property & Homeowners Insurance
Commercial Liability & Business Interruption Insurance
Health Insurance (Non-ERISA policies)

We go beyond the denial letter to investigate internal documents, adjuster conduct, and corporate policies that show a pattern of bad faith.

Common Bad Faith Insurance Violations in Arizona

Insurance companies in Arizona are legally obligated to handle claims honestly, fairly, and promptly. But in practice, many engage in deceptive or obstructive tactics to protect their bottom line. At Dawson & Rosenthal, P.C., our Phoenix bad faith insurance lawyers regularly see the same abusive patterns repeated across different insurers and policy types. Here are some of the most common bad faith violations we encounter:

Claim Denial Without Reasonable Basis

Denying a legitimate claim without citing clear evidence, or using vague policy language to justify rejection, is a textbook example of bad faith.

Ignoring or Undervaluing Medical Records

Some insurers downplay the severity of injuries or reject credible medical opinions to justify a lower payout, or to deny the claim entirely.

Misrepresenting Coverage Terms

Insurance adjusters may intentionally misstate what your policy covers, hoping you’ll accept a denial or low offer without pushing back.

Delaying Communication or Document Requests

Repeatedly stalling, failing to respond, or dragging out requests for “missing” paperwork can be a strategy to frustrate claimants into giving up.

At Dawson & Rosenthal, we know how to expose these practices. Our team will investigate your claim history, analyze insurer communications, and work with experts to build a compelling case for damages.

If you’ve experienced any of these violations, don’t wait. Contact our office today to speak with a Phoenix bad faith insurance attorney and explore your legal options.

Contact Our Phoenix Bad Faith Lawyers Today

If you’ve been dealing with an unfair insurance denial in Phoenix or anywhere in Arizona, contact Dawson & Rosenthal, P.C. today. Our team of Phoenix bad faith insurance lawyers can review your policy, evaluate the insurer’s conduct, and help you understand your legal options. Call our Phoenix office at (928) 282-3111 or contact us online for a free consultation.

Phoenix Office

Dawson & Rosenthal, P.C. – Phoenix

(928) 282-3111

7012 N 18th St,

Phoenix AZ 85020

Serving clients in Maricopa County, Phoenix, Scottsdale, Tempe, and surrounding areas.