If you receive a reservation of rights letter from your insurance company you should take immediate action to protect yourself. The reservation of rights letter from your insurance company means one thing for you as the insured party: the insurance company is looking for a reason to deny your claim or use your own actions to shift liability from the actual policy to you, personally. The insurance coverage attorneys at the Watkins Firm will provide a free consultation regarding this letter, the facts in your case and advise you of your right to an independent counsel known as a “Cumis Counsel.”
California law recognizes that the attorneys for the insurance company owe their primary allegiance to the policy itself. This creates a conflict of interest between the insurance company policy (and their employer) and you as the insured policy holder. When a policy holder is at personal risk due to a reservation of rights letter from your insurance company or simply due to the nature of the policy and the lawsuit associated with a claim the insured has a legal right to their own cumis counsel – paid for by the insurance company. It won’t cost you anything out of pocket to have your own attorney to protect your interests during all pre-trial negotiations and settlement conferences.
As your cumis counsel, the experienced litigation and insurance bad faith experts at the Watkins Firm work to protect your interests and ensure that the insurance company attorneys do not try to settle your case by throwing you to the wolves. Many insurance company attorneys will try to shift the legal responsibility from the policy itself to the insured individual or party. Our attorneys work to prevent them from settling the case without ensuring that your personal liability is covered by the settlement as well.
If you have received a reservation of rights letter from your insurance company we invite you to review the strong recommendations of our clients and contact the Watkins Firm or call 858-535-1511 for a complimentary consultation today.
