What is a “Bad Faith” Insurance Claim?

When you purchase an insurance policy from an insurance company a special type of contract is created. In exchange for your payment of the policy premium you get “coverage” which protects you and your property from “covered losses” under the policy. Insurance policy’s are written to provide protection for all manner of tangible and intangible items including automobiles, homes and businesses.

The insurance business is lucrative – for the insurance companies. Insurance companies make a lot of money by accepting policy premiums for policies where claims are never made. Worse yet – in the rare case where a claim is made and the policyholder seeks to obtain the protection they bargained for when they bought the insurance – the insurance company denies the claim and refuses to pay for the loss.

Insurance companies spend billions of dollars each year fighting with policy holders over denied claims. When your insurance company wrongfully denies your claim for coverage under your policy – you can sue your insurance company for their “bad faith” conduct. In California, punitive damages and attorney fees may be awarded to successful policyholders who prove their “bad faith” claims.

Special knowledge and skill is required to take on big insurance companies. Contact us today and we will work to obtain a maximum recovery for you against your insurance company.

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