Insurance Bad Faith Attorneys in Los Angeles
When Your Insurer Won’t Play Fair, We’re Not Afraid to Get Tough
As an adult, you can count on always having to pay taxes—and insurance. Whether for your auto, home or apartment, health, or another item of value, insurance is either required or strongly recommended to protect you in case of an accident, injury, or other disaster.
However, sometimes when we call on insurers in our time of need, they refuse to honor their contract—never mind the hundreds or, more likely, thousands of dollars you’ve given them in return for the promise of help when you need it. If you find yourself in this situation, you may feel frustrated, angry, and overwhelmed.
It’s hard to know what to do when an insurance company is using its entire might to give you the runaround or flat-out deny you the coverage you’ve paid for. However, you do have options. If an insurer is refusing to provide the services it’s contractually obligated to, we can help you file a claim against them for their negligence. Sometimes, legal pressure is the only way to get a company to do what’s right.
What Does Insurance Bad Faith Look Like?
There are multiple ways an insurer can violate their contract with you. They are always obligated to act in your interests—and if they either fail to do so or take measures to deny you the services they contractually promised, you may be able to file a claim to earn their compliance.
Insurance bad faith can be:
- Refusal to defend you if you’ve been blamed for an accident
- Refusal to settle for damages that are covered in your contract with the company
- Failure to provide a fair investigation before denying claims
- Failure to provide a decision on a claim (whether to pay or deny) in a reasonable timeframe
- Delayed responses to or ignoring your questions or concerns
- Blatantly undervaluing a claim
- Causing unreasonable hardship (paperwork, documentation, etc.) before resolving a claim
- Failing to explain and justify their denial of a claim
In some cases, insurance sales teams may mislead you about the contents of a policy or fail to explain the limitations and exclusions before you sign the contract and pay your first premium. Such actions are unfair and will not be tolerated by our court system. Ask our lawyers how we can prosecute your claim against a bad-faith insurer company today.
What is a First First-Party Claim?
A first-party claim is one you make against your own insurance policy. For instance, if a pipe in your house bursts and floods your kitchen and living room, you may ask your homeowner’s or renter’s insurance to cover restoration services and replace the items you lost.
If you’re hit by a driver who doesn’t carry insurance, you might make an uninsured motorist claim against your policy, so you don’t have to pay thousands for auto repairs and injuries.
If you make a claim, it’s your insurer’s job to investigate it and decide whether they are obligated to pay for it within a reasonable timeframe. No one should have to wait months for their car to get repaired or their waterlogged home to be restored.
Your insurer cannot put off paying you and hope you’ll give up on following up with them. If they choose to deny your claim, they must do so promptly, and provide evidence in support of their decision. If they do not, or if the “evidence” they gave you looks fishy or incomplete, you may have a claim.
Insurance Bad Faith and Third-Party Claims
We all hope we’ll never be to blame for a car accident, but part of the reason we pay for car insurance is in case the worst happens. If you cause damage to someone else’s car and/or health, your insurer is on the hook to pay for reasonable expenses, up to a policy’s maximum limits.
Like any claim you make, a third-party claim should be fully investigated by the insurer. It is their duty to defend you, whether they like it or not—and that means considering any evidence, including your testimony, about the other driver’s role in the accident.
Once liability has been settled, they must pay all expenses they’re contractually obligated to. If they don’t, you might find yourself facing an unfair lawsuit for expenses your insurer is responsible for. You being at fault for an accident is no reason for an insurer to break its agreement with you.
How We Can Help with Bad Faith Insurance Claims
Insurance carriers are companies, not philanthropic organizations, which means their focus is always on their profits. Sometimes they try to boost their bank accounts by frustrating their insureds or outright refusing to pay claims they are obligated to.
Facing well-funded internal legal teams, the victims of such unfair schemes may feel they have nowhere to turn. However, this is not a valid business practice, and you can likely receive compensation if your insurer is trying to deny you the settlement you deserve.
Any type of insurer can act in bad faith, but no matter the situation, we’re prepared to take them to court. Not only should an insurance company have to pay as its contract with you details; it also must face punishment for trying to fleece its customers.
While these cases can be complicated, they are important to fight. You can pursue justice for yourself and simultaneously deter the company from using such unfair tactics against other clients. Our team at Robins Cloud LLP is ready to take on dishonest insurance companies to protect your finances and rights.
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