Los Angeles Bad Faith Insurance Lawyer

Los Angeles Bad Faith Insurance Attorney

An insurance policy is a legally binding contract. We purchase insurance to protect our families, our homes, our health, and our businesses against catastrophic financial and personal losses. When disaster strikes and the unthinkable occurs, we turn to these policies to mitigate damages. If your insurance company unfairly denies your claim, a Los Angeles bad faith insurance lawyer from Hobbs Law Group can help you fight back.

If you’ve paid your premiums faithfully, you are entitled to receive the benefits promised in your contract. When your carrier unreasonably denies your claim, delays payment, or rescinds your coverage, you need the guidance of a Los Angeles insurance bad faith attorney.

Protect your rights by aligning yourself with skilled legal counsel at Hobbs Law Group. Our Los Angeles personal injury lawyers have an established track record of handling complex insurance bad faith cases. We have the expertise and resources to achieve justice for clients who have been wronged by their insurance companies.

Insurance Bad Faith

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Insurance Bad Faith Lawyer Serving the Greater Los Angeles Area

Our veteran legal team handles insurance bad faith claims throughout the greater Los Angeles metropolitan area, including:

• Inland Empire
• San Bernardino County
• Riverside County
• Orange County
• Ventura County
• Los Angeles County

If your insurance company commits a bad faith refusal to honor your policy, it has not only breached your contract, it has committed a tort — a civil injury — against you. It can be difficult to determine whether or not this mishandling of care has occurred, especially if you are trying to figure things out on your own. Fortunately, there are Los Angeles bad-faith insurance lawyers who can help.

At Hobbs Law Group, we know the tactics employed by insurers to avoid paying valid claims. We litigate cases of property damage denials, auto insurance denials, liability insurance denials, homeowners’ insurance denials, long–term care denials, life insurance denials, theft claim denials, and more. Insurance companies know that we have the trial skills to take claims to court if a favorable settlement is not negotiated.

When you feel backed into a corner, you can count on our Los Angeles Bad Faith Insurance Lawyer to fight for the benefits and compensation that you deserve. You may be entitled to receive the full value of your claim, plus monetary damages for mental anguish and punitive damages against the company.

What Is Bad Faith Insurance?

In the United States, insurance companies owe a legal duty of good faith and fair dealing with the individuals whom they insure. Bad faith can take many forms: when an insurer improperly refuses to defend a lawsuit or unfairly misrepresents contract verbiage to avoid paying a legitimate claim.

Insurance companies act in bad faith when they purposefully fail to disclose policy terms, misuse policy exclusions to deny claims, or fail to pay rightful claims that are owed under a policy.  They can act in bad faith when they make unreasonable demands on policyholders to prove a covered loss or peril on a claim that is rightfully owed.

Bad faith, at its core, is action taken with a willful disregard for your rights, and it’s illegal. You may suspect bad faith when an insurance company:

• Fails to investigate your claim in a timely manner
• Seems to delay while processing your claim
• Does not return phone calls or answer queries about your claim
• Fails to disclose your policy limitations
• Denies your claim without conducting a reasonable investigation
• Offers to pay less money than the claim is actually worth
• Fails to confirm or deny coverage within a reasonable time period
• Misrepresents facts related to your claim or provisions of your policy

Protect Your Rights With A Bad Faith Insurance Lawyer

In the wake of an unforeseen disaster – something you’ve prepared for by buying insurance coverage — don’t let your provider get away with bad faith practices. You have already been victimized once, and now it’s time to level the playing field with powerful legal advocacy.

A Los Angeles Bad Faith Insurance attorney from Hobbs Law Group can increase your chances of securing the money to which you were rightfully entitled. A successful claim can net not only the value of the original claim, but out-of-pocket expenses, litigation fees, and punitive damages in cases where the insurer acted egregiously.

If you have paid for this insurance, you are owed a product. This is why it can be wrong for your insurance company to withhold any qualified services. You deserve to have access to the product you have paid for, and any insurance company that denies you this right may be in the wrong and can be held liable for the injustices to which they are subjecting you.

Insurance companies are more interested in preserving their bottom line than paying full benefits on claims. They will often take advantage of the fact that most policyholders are unaware of their rights and protections under the law.

Whether you suspect bad faith for a claim on your homeowner’s insurance, disability, or business interruption policy, you can count on Hobbs Law Group for results-focused representation.

We believe wholeheartedly in helping you pursue justice, monetary compensation, and access to the coverage you are owed. When you hire one of our skilled legal representatives, you are enlisting the knowledgeable insight and capabilities of a lawyer who is willing to go to bat for you, your rights, and your desired outcomes.

What Should I Do if I Suspect an Insurance Company Is Acting in Bad Faith?

If you are having issues receiving the compensation you are entitled to under your insurance policy because your insurer is acting in bad faith, it is important to take certain steps to ensure your rights are protected and that you ultimately receive coverage for your damages. While each case is unique and requires different steps, it is generally recommended to do the following:

• Document everything: Collect all documents associated with your insurance claim, such as repair estimates, your original policy information, and medical reports, in one place. Be sure to keep a copy of all communications you share with your insurer, such as phone calls, emails, online chats, and physical letters.
• Ask for an explanation of the claim denial: Make a request for your insurance company to provide a written document that includes an explanation of why your claim is being delayed or denied. This document can be used as critical evidence later on in your bad faith insurance claim case.
• Reach out to a Los Angeles bad faith insurance lawyer: As bad faith insurance claims are complex, it is critical to work with an bad faith insurance attorney in Los Angeles who can help you navigate the process. As insurance companies hire multiple lawyers to fight to protect their interests, it is important to have formidable legal representation who can fight back. Working with a bad faith insurance lawyer can increase your chances of having a positive case outcome.

How To Know If An Insurance Company Is Acting In Bad Faith

After suffering accident damages, such as your car being totaled or even the death of a loved one, it is critical to receive the compensation you are entitled to according to your insurance policy. If you suspect that your claim is being unreasonably delayed or denied, it is important to hold your insurer accountable for their unethical practices. However, it can be difficult to understand what constitutes bad faith. Your insurance company may be acting in bad faith if they are:

• Requesting an unreasonable amount of documentation: Although insurers need certain documents to investigate and process your claim, they cannot make unnecessary requests for documentation to delay giving an answer. If an insurer is asking for unreasonable proof or continuing to request more documentation, they may be using a tactic to attempt to intimidate you into canceling your claim.
• Canceling your policy right after you made the claim: If your insurer outright cancels your policy right after you make a claim, this is a serious red flag that they may be acting in bad faith. Even if your insurer is claiming that there is an “error” on your original application for an insurance policy, this is typically not an acceptable reason to cancel suddenly and is likely a tactic being used to avoid issuing your payment.
• Delaying an answer for too long: In California, insurance companies are required to issue some sort of response within a reasonable time frame. If you do not receive an explanation for unnecessary delays in your application, your insurance company may be trying to avoid issuing your claim payment. If they are avoiding your messages and not adequately communicating, this could be a sign they are trying to evade your claim.
• Refusing to provide a reason for denial in writing: If your insurance company denies your claim, they need to provide a viable reason based on your insurance policy in writing. If they are refusing to provide this documentation, this is a clear sign that they may be acting unlawfully.

FAQs About Los Angeles, CA Bad Faith Insurance Laws

How Much Does It Cost to Hire a Los Angeles Bad Faith Insurance Lawyer?

While the final cost of a Los Angeles bad faith insurance lawyer tends to vary in California, there are a few consistent elements of each case that can impact the overall price tag attached. This can include the level of complexity as well as how long your case takes to resolve. When you hire the Hobbs Law Group to help you, we will do everything we can to build a strong case on your behalf.

How Do I File a Bad Faith Insurance Claim in California?

When you decide to file a bad faith insurance claim in California, there are several things you must do. Firstly, you need to gather evidence. This includes emails and phone calls, a copy of your insurance policy, claim denials, and other relevant information. Next, you may need to contact your insurer and the California Department of Insurance. You should involve a lawyer to help you continue building your case, as well as start the claim filing process.

How Long Will My Bad Faith Insurance Case Take to Resolve in California?

The overall timeline of a bad faith insurance claim tends to vary case by case in California. This is because each case presents its own unique set of variables that can impact the overall schedule. There are also outside elements that can affect your timeline, as well. Hiring a Los Angeles bad faith insurance lawyer can help keep your case’s schedule on track, as your lawyer can assist you in avoiding easily made missteps and unnecessary setbacks.

Can I Represent Myself in My Own Bad Faith Insurance Case in California?

While it is perfectly legal for you to represent yourself in a bad faith insurance case in California, many individuals have found hiring a Los Angeles bad faith insurance lawyer to be incredibly beneficial. Not only are they able to help guide you through the various confusing and complex steps of your case, but they may also serve as an advocate on your behalf, your rights, and your desired outcomes, providing you both peace of mind and skilled insight.

Denied Insurance Claims? Contact Hobbs Law Group

At Hobbs Law Group, we take great pride in helping clients throughout Los Angeles hold insurance companies accountable for bad faith tactics.

Contact us today to schedule a free consultation with a Los Angeles personal injury lawyer who will evaluate your situation and outline your best steps moving forward. If you think your insurer may have engaged in bad faith with regards to your insurance claim, reach out for sage legal guidance.