What should you do if your insurance company is acting 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 their own insurance company? California has strict laws governing insurance companies and their responsibilities to you as a policy holder. In general terms, your insurance company may be acting in bad faith if they have:
- Attempted to settle your claim for far less than what is fair
- Denied coverage when the policy actually provides for the issue at hand
- Failed to provide timely response to a valid claim or reasoning for denial of a coverage for your claim
- Mislead you regarding what your policy actually covers
- Refused to pay a valid claim or act in “good faith” or offer a fair settlement
- Attempted to influence you not to hire an attorney
The experienced insurance coverage analysis and insurance bad faith attorneys at the Watkins Firm protect you if your insurance company is acting in bad faith or failing to act in good faith. Our experienced attorneys will review the policy and coverage in question. When an insurance company is acting in bad faith we can hold them financially accountable in a breach of contract lawsuit. We will pursue all legal avenues to hold them accountable for their responsibilities under the policy. We seek financial damages for insurance bad faith to restore any losses you have sustained as well as compensation for the anguish and frustration they have forced you to endure.
In extreme cases which involve fraudulent actions of the insurance company or their representatives California law provides for substantial “punitive” financial damages. These cases have a high legal bar but involve actions involving malice or outright fraud.
If you are concerned about the actions of your insurance company or if you believe your insurance company is acting in bad faith we invite you to contact us or call 858-535-1511 for a free consultation.