From California’s Top-Rated Insurance Lawyer
What To Do If Your Insurance Company Is Trying To Deny or Lowball Your Claim…
From the desk of:
Attorney Danny Abir
Partner at ACTS LAW, LLP
Dear Frustrated Policyholder,
If you suffered property damage or bodily injury and the insurance company is wrongfully denying or lowballing your claim, then this may be the most important message you will read…
Here is why…
California has a law named the “bad faith” statute — which states insurance companies must NOT act unfairly or in “bad faith” to persons they insure.
But what constitutes “bad faith”?
Some examples of insurance “bad faith” are…
- Denying your claim without a valid reason
- Improper valuation of your claim (lowballing the settlement offer)
- Failing to investigate your claim in a reasonable manner
- Refusing to pay your claim without investigating
- Failing to accurately disclose your policy’s limits
- Unjustly delaying investigation or payment of your claim
- Being misleading or dishonest about policy limits or policy language
- And more…
Have you experienced any of these “bad faith” acts by your insurance company?
California insurance law requires insurance companies to always “act in good faith” towards policyholders, but sadly, it doesn’t mean that they always do!
In fact, our insurance bad faith attorneys routinely bring to light the dirty tricks insurance companies play in an attempt to put their interests in front of their policyholder’s.
Our lawyers help policyholders turn the tables on insurance companies where bad faith acts can occur, such as…
- Homeowners insurance (ie. denied or lowballed claims for mold, construction defects, wind damage, earthquakes, flooding, etc)
- Commercial property insurance (ie. denied or lowballed claims for fire damage, pipe bursts, theft and vandalism, water damage, etc.)
- Life insurance
- Business insurance
- And more…
If you believe you are a victim of an insurance company acting in “bad faith” — then continue reading — because I’m going to reveal EXACTLY what your legal options are…
What Insurance Companies Don’t Want You To Know…
Getting A Lawyer That Exposes “Bad Faith” Practices Can Flip The Power to the Policyholder In A BIG Way
Listen…
When an insurance company acts in bad faith and denies or lowballs your claim, there are really TWO separate obligations they are failing to fulfill…
The first (#1), is their obligation to reasonably pay your claim as covered by your policy.
For example… If your house burned in a fire and a reasonable investigation concluded the value of the damage was estimated at $110,000, then they are obligated per your policy to pay the claim at a minimum of $110,000.
But, when an insurance company ALSO acts in “bad faith” (ie. denying worthy claim, lowballing, etc), there is a second (#2) obligation they fail to fulfill…
…and that second (#2) obligation is the legal requirement to “act in good faith and fair dealing to the persons they insure”.
The first (#1) is a contract obligation, which legally is considered a ‘breach of contract’ claim…
The second (#2), in comparison, is NOT a ‘breach of contract’ issue but rather is legally considered a ‘bad faith tort’ claim.
