Insurance bad faith

Top Insurance Bad Faith Lawyer in California

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When you pay your insurance premiums, you enter into a contract with the expectation that your insurer will provide the protection and support you’re entitled to in times of need. Whether you are a business or an individual, your insurance policy is designed to offer a safety net during unexpected events. However, when an insurance company fails to honor this commitment—by unjustly denying, delaying, or underpaying a claim—they are engaging in what is legally recognized as “bad faith.”

Understanding Bad Faith Insurance:

  • What is Bad Faith?
    Bad faith occurs when an insurance company unreasonably fails to meet its obligations to defend or pay out on a valid claim. This can include actions such as unjustly denying coverage, delaying the claims process without a valid reason, or offering settlements that are significantly lower than what is owed. Essentially, bad faith is when an insurer prioritizes its own interests over the rightful interests of the insured.
  • Legal Obligations of Insurers:
    Insurers are legally bound to act in good faith and deal fairly with policyholders. This means they must investigate claims thoroughly, uphold the terms of the policy, and make decisions based on the facts rather than their own financial interests. The principle of good faith requires that insurers give greater consideration to their insured customers’ needs and expectations than to their own bottom line.
  • Contracts and Reasonable Expectations:
    Insurance contracts are crafted to fulfill the reasonable expectations of the insured party. This means that the terms of the contract should be clear and should not be used to sidestep the obligations that the insurer has agreed to. If an insurance company tries to avoid paying out a claim by interpreting the contract in a way that contradicts the reasonable expectations of the policyholder, it may be found guilty of bad faith.

When to Seek Legal Help:

If you believe your insurance company is not honoring its obligations, it’s crucial to consult with an experienced insurance bad faith attorney. Signs of bad faith include:

  • Denial of a Claim: Without a reasonable explanation or justification based on the policy terms.
  • Unjustified Delay: Prolonging the claims process without legitimate reasons or proper investigation.
  • Underpayment: Offering less compensation than what is stipulated in the policy.
  • Failure to Defend: If the insurer neglects its duty to provide a legal defense in liability claims.

Why Legal Representation Matters:

Navigating a bad faith insurance claim can be complex, requiring a detailed understanding of both insurance law and contractual obligations. Our attorneys are skilled in identifying and proving instances of bad faith and are committed to holding insurance companies accountable. We will work diligently to ensure that you receive the compensation and protection you were promised under your policy.

If you suspect that your insurance company is acting in bad faith, don’t wait to take action. Contact us today for a free, no-obligation evaluation of your case. Our team of dedicated attorneys will review your situation, provide expert guidance, and fight for the justice and compensation you deserve. Call us at 323-658-8077 or toll-free at 877-827-2748, or send us an email by clicking the button below. Let us help you navigate this challenging situation and advocate for your rights.

Insurance Bad Faith

Whether you are a business or an individual, if you pay your insurance premiums you are entitled to receive the protection you paid for when something goes wrong. If your insurance company tries to evade its duties to you by failing to properly defend or pay your claim, then you may have a claim for bad faith. Talk to an insurance bad faith attorney in Los Angeles today for a free, no obligation evaluation.

Bad faith insurance overview:

  • ‘Bad faith’ is when an insurance company fails reasonably to defend or pay your insurance claim.
  • Insurers are legally obliged to favor your interests (as the insured) over their own interests.
  • Contracts cannot be used to avoid the reasonable expectations of the insured party.

See The Multi-Million Dollar Difference

California Insurance Bad Faith Attorneys

Insurance companies are bound by law to handle all claims with fairness and integrity. This duty includes giving greater weight to the interests of their insured customers than to their own financial gain. As a policyholder, you have the right to expect that your insurer will act in good faith and thoroughly investigate all aspects of your claim. This means they must seek out information that supports your case, not just information that might undermine it.

The Obligation to Investigate and Fairly Evaluate Claims:

  • Thorough Investigation: Insurance companies are required to conduct a comprehensive investigation into every claim. This involves gathering all relevant information, including documents, witness statements, and expert opinions, to ensure a fair evaluation of your claim. A failure to investigate properly can be considered a breach of their duty of good faith.
  • Fair Evaluation: Insurers must evaluate claims based on the evidence and policy terms, without unjustly favoring their own interests. They should not use delay tactics or provide lowball settlements in an attempt to minimize their financial liability. If your insurer is not adhering to these standards, it may be a sign of bad faith.

Navigating Complex Contracts and Legal Protections:

  • Interpreting Insurance Contracts: Insurance contracts can often be complex and filled with technical jargon. However, California law requires that these contracts be interpreted to align with the reasonable expectations of the insured party. This means that if a contract term is ambiguous or unclear, it will generally be interpreted in favor of the policyholder. The court will scrutinize the contract to ensure that its meaning is clear and that it upholds the insured’s reasonable expectations.
  • Clarifying Ambiguous Terms: Any terms or conditions in your insurance policy that are not clearly defined will be interpreted to benefit you, the insured party. The principle of “contra proferentem” states that any ambiguities in the contract should be resolved in favor of the party who did not draft the contract—in this case, you.

Proving Bad Faith:

  • No Need for Malicious Intent: You do not have to prove that your insurance company intended to cause harm. Simply showing that the insurer failed to honor the agreement or did not have a legitimate reason for denying or delaying your claim can be sufficient to establish bad faith.
  • Evidence and Legal Strategy: Our experienced attorneys will gather and preserve all relevant evidence to build a strong case. This includes documenting the insurer’s actions, communications, and any evidence of unfair practices. We will use this information to demonstrate that the insurer’s actions were not in line with their contractual obligations and legal duties.

No matter the specifics of your situation, we are dedicated to fighting for your rights. Our skilled trial lawyers will take all necessary steps to ensure you receive the compensation you are entitled to. From detailed case preparation to vigorous representation in negotiations or court, we are committed to achieving a favorable outcome for you.

Get in Touch for a Free Evaluation:

If you suspect that your insurance company is acting in bad faith, don’t hesitate to seek legal assistance. Contact us today for a free, no-obligation evaluation of your case. Our team is ready to provide expert guidance and fight for the justice and compensation you deserve. Call us at 323-658-8077 or toll-free at 877-827-2748.

California Insurance Bad Faith Attorneys

Your insurance company has a duty to deal fairly with all customers – insurers are even obliged to give greater consideration to their insured customers than their own interests. Your insurance company is required to investigate all claims and search for information that might support your claim.

Insurance companies may try to hide behind complicated contracts, but the law is on your side. Insurance contracts are interpreted in court to carry out the reasonable expectations of the insured party (that’s you). Your insurance contract will be studied to obtain its meaning, and that meaning must be clear and unmistakable.

Generally, any terms that are not clear will be interpreted to benefit you, the insured party. You do not have to prove that the insurance company intended to cause harm, just that they failed to honor their agreement, and had no cause to not pay your insurance claim.

No matter the circumstances of your particular case, we are prepared to fight for your claim. Our attorneys immediately begin building your case, preserving and examining evidence for the strongest claim possible. We are accomplished trial lawyers who will take all necessary steps to obtain fair and full compensation for your injuries.

Talk to an insurance bad faith attorney in Los Angeles today for a free, no obligation evaluation, call 323-658-8077 or toll free 877-827-2748. Or, if you prefer, send us an email by clicking on the red button below.

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Christopher Russell, Esq.

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