Questions To Ask Before Filing A Bad Faith Lawsuit In Wisconsin

Last updated on February 2, 2026

When an insurance claim is denied after years of paying your premiums, it can feel like a personal betrayal by a company you trusted. Working with experienced insurance claim denial lawyers in Wisconsin can help you seek answers.

At MGW Law, we fight for individuals facing denied or delayed insurance claims in Manitowoc, throughout Wisconsin and parts of Illinois. Our team boasts over 50 years of combined legal experience handling a wide range of insurance claims.

Was the denial or delay “unreasonable”?

Wisconsin law permits insurers to deny claims, but only when they have a “fairly debatable” reason. Our insurance lawyer can help you determine whether the insurer followed the law.

Did the insurance company conduct a proper investigation?

An insurance company has the legal duty to handle claims in good faith by conducting a fair, thorough and timely investigation before denying coverage.

Is there a valid policy exclusion or debatable claim?

The law cannot hold the insurer accountable if its policy excludes your loss. Our insurance claim denial lawyer will review your insurance policy to determine whether the exclusion is being applied in a strained way.

What damages have you suffered beyond the claim amount?

Wisconsin law allows you to pursue additional or punitive damages beyond the original policy benefits if the insurer caused additional harm. Examples include loss of income or emotional distress.

Have you exhausted administrative remedies or appeals?

Exhausting all administrative remedies is recommended before filing a lawsuit.

• Write a demand letter to the insurance company and document evidence.
• File a complaint with the Wisconsin Office of the Commissioner of Insurance to review the complaint.
• Prove that the insurer had no reasonable basis for denying your claim.

Failing to work with a trusted insurance lawyer can weaken your case.

We Can Help

Facing a denied or delayed insurance claim in Wisconsin? Call MGW Law via 920-383-3911 today. Tell us about your claim, and our insurance law attorneys will help. You can also explore our related guides and podcast episodes for deeper insight into Wisconsin bad faith law cases.