What bad faith can look like
- Denying a claim without a reasonable, thorough investigation
- Unreasonably delaying payment or a coverage decision
- Offering far less than the claim is worth with no real basis
- Misrepresenting what the policy covers
- Ignoring evidence that supports the claim
- Pressuring a policyholder to accept a quick, low settlement
Why it matters
In a bad faith case, the recovery may not be limited to the unpaid policy benefits. Depending on the facts, it may include other financial harm caused by the conduct, emotional distress, attorney fees attributable to recovering benefits, and in serious cases punitive damages. Every case is different, and nothing here predicts a result.
How we approach these cases
We build a clear record: what the policy says, what the insurer knew, what it did and when. Many disputes resolve once an insurer sees that the record will hold up in court. When they don't, we are prepared to file suit and take the case to trial.
Questions we hear
Is every claim denial bad faith?
No. An insurer can deny a claim in good faith if it reasonably and honestly believes it isn't covered. Bad faith involves unreasonable conduct. Sorting one from the other is what a case review is for.
Can I sue my own insurance company?
Yes. Policyholders in California can bring claims against their own insurers for breach of contract and breach of the implied covenant of good faith and fair dealing.
How long do I have?
Time limits depend on the type of claim and the policy. Some are short. Don't wait to get advice.