What to Do When Your Insurance Company Denies a Valid Claim

Most business and personal insurance policy holders in San Diego and Southern California don’t know what to do when your insurance company denies a valid claim.  Unfortunately, Insurance companies throughout the region have become much more aggressive on making low original settlement offers or outright rejection of valid policy claims....

Is This Covered By My Insurance Policy or Not

The recent severe storms in California and resulting damages have reminded us of a classic question: Is this covered by my insurance policy or not?  Do you believe you have a valid claim which has been denied by your insurance company?  What is insurance “bad faith?” Honest Mistake or Insurance...

When is An Insurance Company Acting in Bad Faith?

What is insurance bad faith and when is an insurance company acting in bad faith?  What should you do if your insurance company has acted in bad faith in San Diego or southern California?  What is the difference between insurance bad faith and a principled dispute between the insured and...

A Reservation of Rights Letter is an Insurance Red Flag

A Reservation of Rights letter from your insurance is an immediate red flag for any insurance policy holder.  Why should this letter concern you and what immediate action should you take if you receive a reservation of rights notification? A Reservation of Rights Letter is a Form of Denial The...

What Does a Reservation of Rights Letter Mean

What does a Reservation of Rights letter mean and what should I do if I receive  a Reservation of Rights letter from my insurance company?  What is a reservation of rights letter?  Should I be concerned?  Yes, absolutely you should be concerned.  The insurance industry sarcastically calls a Reservation of...

San Diego Insurance Bad Faith Attorney

What is insurance bad faith?  When do you need to contact a San Diego insurance bad faith attorney at the Watkins Firm?  Insurance bad faith is a legal term for the abuse of an insurance policy holder by their own insurance.  Insurance bad faith is usually associated with a claim...

What to Do If Your Insurance Company Denies a Valid Claim

What should you do if your insurance company denies a valid claim under a policy which is paid to date?  It is surprising how often insurance company representatives “misunderstand” their own insurance coverages.  You bought an insurance policy and paid the premiums faithfully.  Now that a claim has arisen, you...