Claremont Bad Faith Insurance Lawyer

Claremont Bad Faith Insurance Attorney

Individuals in Claremont and surrounding areas purchase insurance to ensure they can receive the compensation they need to cover damages when disaster strikes. Therefore, if their insurance claim is denied or they are given a low offer, it can be disappointing and devastating. If you have been in an accident and your insurer is responding in an illegal or unethical manner, a Claremont bad faith insurance lawyer from Hobbs Law Group can support your case.

A Denied Insurance Claims Attorney from Hobbs Law Group Is Here for You

Insurance companies in Claremont and the state of California are held to a certain standard when it comes to handling claims. If you are being significantly pressured to settle, ignored, denied, under-compensated, or having your policy outright canceled, your insurer is likely acting in bad faith. An experienced Claremont denied insurance claims attorney from Hobbs Law Group can help you understand what your legal options are if you believe your insurer is acting in bad faith.

Insurance Bad Faith

Contact Hobbs Law Group 24/7 to schedule a free case review with a Claremont personal injury lawyer. You will not pay us anything unless you win.

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A Claremont bad faith insurance lawyer from Hobbs Law Group understands how difficult it can be to suffer from an incident or accident that incurs losses and then be denied the insurance coverage to which you are entitled. A lawyer from our firm is here to ensure that on top of the original claim amount, you receive additional coverage for damages related to your claim denial, such as for mental anguish and any associated out-of-pocket expenses.

Understanding Insurance Bad Faith Cases in Claremont, CA

Many of our clients who fall victim to bad faith practices from insurance companies are unaware that the insurer’s behavior is illegal until they come to us. Insurance bad faith happens when an insurance company does not keep its obligation to behave in good faith and fairly deal with policyholders. California law holds insurance companies to a certain standard, stating that such companies are legally obliged to quickly and honestly process claims.

Bad faith cases can occur when insurance companies put corporate profit over the interests and safety of their policyholders. If found guilty of acting in bad faith, insurance companies may be required to pay additional compensation to policyholders on top of the original claim, as well as be subject to punitive measures. If the following has happened to you, you may be a victim of bad faith practices:

• Having your claim unreasonably delayed: Insurance companies are required to issue a response to your claim within a reasonable amount of time. If you suspect your insurer is delaying issuing you a response to your claim or avoiding communication with you, it is critical to contact a Claremont Bad Faith Insurance Lawyer who can help you manage the situation. Insurers commonly leverage this tactic to frustrate policyholders into dropping a claim.
• Offering a low settlement: If your insurance company offers you a claim amount that is far less than the value of the damages you suffered, this can be considered bad faith practice. Insurance companies commonly leverage this strategy, along with increased pressure to settle, to avoid having to pay policyholders the amount they are entitled to.
• Not thoroughly investigating your claim: Insurance companies are required to thoroughly look into the details of a claim before they offer a settlement amount. If you believe that your insurer did not fully consider all the details of your case before undervaluing or denying your claim, a Claremont denied insurance claims attorney can help you hold them accountable for their wrongful actions.
• Denying your claim without reason: If your insurance company denies your claim without providing an adequate reason or issues you an unclear reason for denial that is not in line with your policy, this can be considered a red flag that they are acting in bad faith.

If you believe your insurance company is wrongfully or unfairly presenting challenges to pursuing the compensation you are entitled to, it is critical to contact an experienced Claremont bad faith insurance lawyer. A skilled attorney from our firm can help you take on large insurance companies, fiercely advocating for your case and holding them accountable for wrongful behavior.

Insurance Policies Associated with Bad Faith Claims

People located in Claremont and the surrounding areas can fall victim to bad faith practices carried out by insurance companies across a variety of sectors. The experienced and compassionate legal team at Hobbs Law Group has helped clients successfully navigate cases across a spectrum of insurance policies, including the following:

• Life insurance: Having a life insurance claim denied or under-compensated after suddenly and devastatingly losing your loved one leads to further financial and psychological damages. After you have had your claim denied due to false allegations or misrepresentation, a lawyer from our firm can help you file a bad faith claim to get the compensation you are entitled to.
• Car insurance: Car insurance companies may commonly try to avoid paying out fair compensation to accident victims, including coverage for damages like medical expenses and lost income. If a car insurance company has offered low compensation, is unreasonably delaying your claim, or has outright denied you, they could be acting in bad faith.
• Homeowners insurance: Homeowners rely on homeowners’ insurance to protect them in times of disaster, such as hurricanes, fires, and other unforeseen catastrophes. You could have a bad faith claim if your insurance company is devaluing your property and refusing to pay you the amount you are entitled to.
• Health insurance: Individuals who rely on their health insurance in times of need can go bankrupt if their insurance company refuses to pay for their medical expenses according to the original policy. If your health insurance is denying you treatment for a pre-approved procedure or refuses to cover critical out-of-pocket expenses, a Claremont Bad Faith Insurance Attorney from our firm can ensure you do not suffer financially as a result of their wrongful behavior.

FAQs About Claremont, CA Bad Faith Insurance Laws

What is the statute of limitations for filing a bad faith lawsuit in Claremont?

For residents of Claremont, the deadline depends on the legal theory used. If you are suing for “tortious bad faith” (seeking emotional distress or punitive damages), the statute of limitations is generally two years from when the bad faith act occurred or was discovered. If you are suing strictly for “breach of contract” to get the policy benefits paid, you typically have four years to file suit.

How long does an insurance company have to accept or deny my claim in California?

According to the California Department of Insurance regulations, an insurer must accept or deny your claim (in whole or in part) within 40 calendar days after receiving your proof of claim. If they need more time, they must provide written notice listing the reasons for the delay and update you on the status every 30 days thereafter.

Where would a bad faith lawsuit for a Claremont resident be filed?

Civil lawsuits for Claremont residents are filed in the Superior Court of California, County of Los Angeles. While jurisdiction can vary, cases originating in Claremont are typically assigned to the East District, which is located at the Pomona Courthouse South. You must ensure your complaint complies with local Los Angeles Superior Court formatting and filing rules.

What damages are available in a bad faith insurance verdict in California?

In California, you may recover “contract damages” (the policy benefits you were owed) and “extra-contractual damages” for losses caused by the denial, such as financial hardship and emotional distress. If the insurer’s conduct was proven to be malicious, fraudulent, or oppressive by clear and convincing evidence, the jury may also award punitive damages to punish the company.

What is the difference between “first-party” and “third-party” bad faith?

“First-party” bad faith involves your own insurance company (e.g., your homeowner’s or health insurance) refusing to pay your claim. “Third-party” bad faith occurs when a liability insurer unreasonably fails to defend you against a lawsuit or fails to accept a reasonable settlement offer within policy limits to protect you from a large court judgment. Both are actionable in California.

Secure Compensation You Are Entitled to With a Claremont Denied Insurance Claims Lawyer

Unfortunately, it is not uncommon for insurance companies to have unethical practices. An experienced Bad Faith Insurance attorney from Hobbs Law Group in Claremont, CA  is eager to help you take on your case, holding these insurance companies accountable for their unlawful behavior. Whether you are having difficulties recovering compensation for life insurance, business interruption coverage, homeowner’s insurance, or car insurance, we can help you. Contact us today to get started.