Insurance companies throughout San Diego have become much more aggressive on making low original settlement offers or outright rejection of valid policy claims. What should you do if an insurance company in San Diego denies a valid claim under a valid policy? If you have paid your premiums and have a valid policy any insurance company is required to handle your claims in a professional manner including:
- Processing your application in a timely manner
- Providing a fair and reasonable settlement on all valid policy claims
- Provide specific reasons, in writing, for all declined claims in a timely manner
What action should you take if a claim is denied? You may only have a few weeks to take action to appeal the decision and hold your insurance company accountable.
The insurance attorneys at the Watkins Firm provide analysis of insurance coverages for commercial and individual insurance policies. We also pursue valid insurance bad faith claims to protect policy holders from over-aggressive insurance adjusters and insurance companies who attempt to maximize their profits by offering a low settlement amount for your claim. We stand up to insurance companies and their adjusters, and legally contest offers that are unfair or the denial of valid claims on policies which are current and in effect. There are a variety of services available from our expert attorneys, and each strategy is highly fact-dependent. We work with our clients to understand their goals and objectives, their risks and to determine the appropriate course of action based upon what has occurred in their case.
If you believe that your insurance company has misrepresented coverages, made an exceptionally low settlement offer or are acting in bad faith we invite you to contact us or call 858-535-1511 for a free consultation. We will analyze your policy, the substance of your claim, the supporting facts and the actions of your insurance company to determine if insurance bad faith exists. When an insurance company denies a valid claim the policy holder still has legal options, but you must act quickly – especially in cases where a claim has been denied..