California law provides specific instruction regarding the provision of independent or “Cumis” counsel for parties to a lawsuit who are protected by attorneys representing an associated insurance policy and the company who has provided it.  The customers of insurance companies have paid for a policy, and the policy promises to protect and defend them from liability as it relates to the matter at hand (such as a homeowner’s policy or auto insurance).  Unfortunately, the attorneys assigned by the insurance company to protect you have a built in conflict of interest.  They are actually hired and paid for by the insurance company, and their first obligation is to the policy itself, not you.  If there is any legal way for them to suggest you took actions that were not covered by the policy in order to avoid having to pay, they usually will.

California law understands this uniquely, and has passed good laws to protect its citizens.  If you are a party to a lawsuit, and your liability is protected by an insurance policy, under California law you are entitled to seek “Cumis” counsel, or “independent” counsel.  Best of all, your insurance company must pay the costs in almost all circumstances for your California Cumis counsel.  Therefore, it’s important to make sure your San Diego Cumis counsel has the legal experience, skill and expertise to represent you effectively and protect your interests.

The attorneys at the Watkins Firm have been serving the San Diego area for decades, serving as counsel in literally thousands of insurance litigation and disputes.  We have extensive experience as Cumis Counsel, and will do everything possible to protect your interests and ensure that any settlement or resolution of the dispute at hand doesn’t come at your expense.  We work diligently with the attorneys from your insurance company to defend you and ensure that the case is settled within the limits and coverage of your insurance.  Call us today for a free consultation and learn how you can leverage the strength and skill of the Watkins Firm to protect your interests at 858-535-1511.