If you file an insurance claim after an accident, you naturally expect that your insurer will handle that claim honestly and fairly. Unfortunately, that does not always happen.
When an insurance company delays, undervalues or wrongfully denies a valid claim, it may be acting in bad faith. In California, insurers have a legal duty to act in good faith toward their policyholders. When they fail to uphold that duty, policyholders have the right to take legal action and seek compensation.
Holding Insurers Accountable for Inappropriate Undervaluation and Denials
Bad faith insurance practices generally occur when an insurer places its own financial interests above those of the insured or others who are otherwise entitled to a fair insurance settlement. Common examples of bad-faith tactics include unreasonably delaying payments, denying a claim without proper investigation, misrepresenting policy terms and pressuring a claimant into accepting a low settlement. Sometimes, insurers use tactics like repeatedly requesting unnecessary documentation or ignoring communication to wear down policyholders into giving up or settling for less.
California law offers strong protections against these practices. Under state law, insurers must handle claims promptly, investigate thoroughly and provide clear reasons for any denial. When they fail to do so, policyholders can file a bad faith claim seeking not only the benefits owed under the policy but also additional damages for emotional distress, attorney’s fees and (in some cases) punitive damages. The purpose is to hold insurers accountable and discourage future misconduct.
Fighting back against a bad-faith insurer may involve pursuing a legal remedy through negotiation or litigation. Seeking personalized legal guidance as proactively as possible can help those affected by such practices to more effectively evaluate their options and protect their interests. Skilled lawyers understand how these entities operate and how to get results by pushing back.
Bad faith insurance cases are not just about money, they are about fairness. When people pay their insurance premiums, they are buying peace of mind, not a struggle with their own insurer.
Contact Our California Bad Faith Insurance Lawyers At Wells Call Injury Lawyers
If you believe an insurance company has treated you unfairly, don’t fight them alone. The experienced bad faith injury attorneys at Wells Call Injury Lawyers know how to hold insurers accountable and get you the compensation you deserve. Call today for a free consultation and let us stand up for your rights.