What should you do when your San Diego insurance company acts in bad faith or denies a valid claim? What constitutes insurance bad faith in California? Insurance policies are a contract. The insured party agrees to pay the premium(s) and the insurance company accepts a legal duty to provide coverage promised as part of the terms of the policy. They also agree to pay valid claims. Doesn’t every insurance company pay every valid claim?
Absolutely not. It is important to remember that your insurance company is a business whose primary focus is to maximize profit. In our experience many insurance companies offer to settle for far less than what a claim is actually worth, and some actually deny valid claims. You call in, and while speaking with the insurance adjuster or a representative of the company you are told the claim (or a part of it) is not covered by your insurance policy. How can you know? Insurance policies are long, complex legal documents. Issues of coverage are easily manipulated by representatives of an insurance company attempting to minimize their exposure.
The experienced insurance coverage attorneys at the Watkins Firm have decades of experience in San Diego and will protect you when your San Diego insurance company acts in bad faith when you have a valid claim against a valid policy. We have seen cases where the insurance company told the policy holder they weren’t covered when in fact they clearly were. We have had clients who have engaged us a cumis counsel to protect their interests when their insurance company issued a reservation of rights letter and attempted to shift the financial accountability from the policy itself to the policy holder.
If you are having trouble getting a fair response from your insurance company, receive a really low offer or a reservation of rights letter, or believe your San Diego insurance company acts in bad faith we invite you to contact us or call 858-535-1511 for a free consultation.