Insurance Company Abuse: Class Actions for Broken Promises & Bad Faith Practices

How Can We Help?

1197 Canton Street Roswell, Georgia 30075

3333 Northside Dr. Suite A, Macon, GA 31210

info@lddlawyers.com

Protecting Georgia Consumers When Insurance Companies Don’t Play Fair

Insurance is supposed to be your safety net. Whether it’s life, auto, homeowners, long-term care, disability, or health insurance, these policies come with promises: that you’ll be protected in your time of need. Too often, insurance companies put profits ahead of people, breaking those promises when it matters most.

If your insurer has added unfair charges, delayed or denied claims, canceled your policy, or taken any action that feels dishonest, deceptive, or discriminatory, you’re not alone — and you may be eligible to join a Georgia insurance class action lawsuit.

At Lober & Dobson, we represent Georgia policyholders in complex class actions against major insurance companies that violate their own policies and break the law. With a proven record of consumer advocacy, we help hold these powerful companies accountable.

Unlawful Insurance Practices Affecting Georgia Consumers

Our firm investigates widespread misconduct by insurance companies, which may include:

  • Adding unauthorized fees or surcharges to monthly bills

  • Delaying approvals for necessary medical treatment or coverage

  • Unreasonably delaying payments on valid claims

  • Wrongful denial of claims without proper investigation

  • Premature cancellation of life insurance policies, sometimes just before death

  • Unlawful premium increases, especially in long-term care and disability policies

  • Charging more based on where you live (territorial rating abuse)

  • False or damaging entries in consumer insurance databases, such as:

    • MIB (Medical Information Bureau)

    • CLUE (Comprehensive Loss Underwriting Exchange)

These databases are often used by insurers to set premiums or deny coverage. False or unauthorized entries can raise your rates or affect your ability to get insured elsewhere. In some cases, fraudulent or inaccurate reporting leads to consumers paying more for years, without even knowing why.

Types of Insurance Policies Commonly Involved

We’re currently investigating class action claims involving:

  • Life Insurance – Unlawful policy cancellations, hidden fees, denied death benefits.
  • Auto Insurance – Surcharges, false claims reporting, and discriminatory premium pricing.
  • Homeowners Insurance – Improper claim denials, delayed repairs, or CLUE database abuse.
  • Long-Term Care Insurance – Drastic premium hikes and refusal to honor benefits when care is needed.
  • Disability Insurance – Delays in claim approval and unjust denials despite medical documentation.
  • Health Insurance – Failure to cover approved treatments, billing abuse, and network manipulation.

If you’ve experienced any of these issues, you may be one of thousands of Georgia consumers facing unlawful practices.

How a Class Action Helps

Many insurance companies rely on the fact that individual consumers won’t fight back over a few hundred — or even thousands — of dollars. But when the same tactic is used to overcharge or underpay thousands of policyholders, it becomes systemic abuse — a perfect case for a class action lawsuit.

A class action lets you:

  • Join forces with other affected consumers

     

  • Share legal costs and evidence

     

  • Hold insurers accountable for patterns of misconduct

     

  • Seek refunds, damages, and policy corrections

     

  • Push for regulatory reform and future protection

     

At Lober & Dobson, we have the experience, resources, and determination to stand up to big insurance companies — and win.

Why Choose Us

Our team works directly with consumers, whistleblowers, and industry experts to uncover and challenge abusive practices that hurt everyday people.

Take Action – Free Consultation for Georgia Insurance Policyholders

If you believe your insurance company has:

  • Added unfair charges

  • Denied your claim in bad faith

  • Harmed you through false reporting or billing abuse

…don’t let it go unchecked. You may not be the only one — and your case could make a difference for thousands of others.

Answers to your legal questions

We simplify complex legal matters by providing clear, concise, and accurate answers to your most pressing questions. Our goal is to ensure you have the knowledge..

We focus on high-stakes litigation, including Insurance Regulatory and Consumer Class Actions (auto claims, life insurance payment failures), Business Litigation (shareholder and contract disputes), and Catastrophic Personal Injury (wrongful death, severe injury claims).

We maintain a high level of transparent communication and dedicated support, ensuring class members and business clients are informed of all strategic and financial developments, from initial filing to final settlement distribution.

Resolution time varies greatly depending on the complexity and jurisdiction. However, our goal is always to achieve the maximum possible result as efficiently as possible, often securing substantial settlements without sacrificing speed.

While our record includes major jury verdicts (like the $\$14.9$ million injury case), we aggressively pursue settlements when they meet our client's goals. Our strong trial readiness is a key factor in negotiating the best possible settlement terms.

For most Personal Injury and Class Action matters, we work on a contingency fee basis—meaning you only pay a fee if we successfully recover compensation for you.

Please bring all relevant documents, such as insurance denial letters, accident reports, original contracts, or relevant corporate documentation, so we can immediately assess the merits and potential value of your case.