Consumers who purchase insurance policies to safeguard themselves in the
event that something unforeseen or unpredictable happens are protected
by laws that ensure they are treated fairly their insurers. Under these
laws, insurance providers that breech their legal duty to properly handle
a claim and treat a customer fairly can be held accountable for the claims
and any damages victims suffered when policyholders file bad faith insurance claims.
At Schimmel & Parks, APLC, our legal team has helped many clients throughout
Southern California after they were mistreated by their insurance companies
following a home insurance claim, auto claim, and other insurance policy
claims. If you or someone you love believes you may have valid cause to
file a bad faith insurance claim, our team can help you better understand
your rights and the merits of your case during a free consultation.
To help you get a better picture of bad faith insurance claims, here are
3 key points you should know:
There are laws – Insurance policies are contractual obligations between you and
the insurance provider. When an insurance provider breeches their duties
as outlined in a contract, such as not paying a claim when there is valid
coverage, they can be held accountable for breeching their contract. In
addition to contractual law, insurance companies are also held in check
by laws and regulations that require them to treat customers fairly and
to handle their claims in a prompt and appropriate manner.
You can exercise your rights – It is important to know that if you have had a claim denied or
if you have received less than what you believe you are entitled to under
your policy, you do have rights and you can and should exercise them.
This includes your right to file appeals of decisions you do not agree
with, as well as your right to pursue a bad faith insurance claim in the
event that insurance companies are unwilling to move from their position
on your claim.
Working with a lawyer is crucial - Because the insurance industry can be hazy and complex, and because
bad faith insurance claims involve complex areas of law, it is critical
that policyholders work with proven attorneys to help them protect their
rights during the claim process. Remember, insurers are in business because
they collect premiums from policyholders and go to great lengths to fight,
minimize, and deny claims. When you work with an experienced lawyer who
knows how to fight back against insurance companies and the resources
they use, you level the playing field, and put yourself in a strong position
to recover what you are owed.
Bad faith insurance claims can be challenging, but our firm has extensive experience in this
legal area and is familiar with the tactics and procedures used by insurance
providers when handling customer claims or defending against them. Our
team of award-winning lawyers has earned a reputation as seasoned consumer
rights’ advocates. Over the years, we have demonstrated an ability
to handle complex cases against some of the largest insurance companies,
and we have utilized more than 50 years of collective experience to help
our client obtain fair outcomes in many different types of cases, including
those that resolved in settlement or trial. When you bring your case to
us, you can have confidence that we will fight aggressively on your behalf.
If you would like to discuss your case with an attorney from our firm,
contact Schimmel & Parks, APLC today. We proudly serve clients throughout