We purchase insurance as a protection against loss, injury or catastrophic events. However, most people don’t deal with insurance companies on a frequent basis and assume, usually to their detriment, that when they purchase a policy they are in good hands and will be compensated if they suffer the loss for which they’ve bought insurance. This is not always true. In fact, insurance companies often look for ways to deny claims, even if their excuses for denying claims are unsubstantiated.
All insurance companies owe their insured’s an implied duty of good faith and fair dealing. If a carrier fails to honor its implied contractual obligations ( such as, unreasonable refusal to pay medical benefits under the terms of the policy; unreasonable refusal to defend; delay in negotiating reasonable settlements without proper cause) the insured may have an independent breach of implied covenant cause of action against the carrier for emotional distress and other consequential damages and in an appropriate case, even punitive damages.
Bad Faith is the attempt to avoid paying justified claims. When an Insurance company denies your claim there may be a good reason, but there may also be no reason at all. Many policyholders accept the denial of benefits. This should not be the case. The policyholder should question any denial and challenge it. The Insurance company will approach a claim as something to avoid if at all legally possible. Remember, Insurance companies do not make money paying out claims. They make their money from collecting premiums from the policyholders. Keep that in mind when you submit your claim.
AA-Accident Attorneys, PLC legal professionals are experienced in handling insurance bad faith cases inside the state of California, with offices located in Southern in Los Angeles, Orange, Ventura, Santa Barbara, Kern, San Luis Obispo, Riverside, San Bernardino, San Diego counties…and in Northern in Alameda, Marin, Placer, Sacramento, San Francisco, San Mateo and Santa Clara counties, as well as Nevada and Las Vegas.
If your case involves the Federal courts, AA-Accident Attorneys, PLC has handled many personal injury cases that involved Federal court rulings for defective products and dangerous drugs. Call us today at 800.260.2577.