Sacramento Insurance Bad Faith Lawsuits
What Constitutes Bad Faith?
As an insurance policyholder (or insured person), you buy commercial property, medical or homeowners’ insurance with the promise your insurance company will compensate you in the event of a covered loss. Unfortunately, all too often, policyholders find this is not the case. We have years of experience representing individuals, families, and businesses whose insurance providers avoided paying legitimate claims.
Insurance companies have a duty of good faith to uphold their terms of a contract, pay valid claims in a timely manner, and provide coverage (as outlined in the respective contract). This duty is generally referred to as an “implied covenant of good faith and fair dealing” which is compulsory by operation of law in every insurance contract. If an insurance company violates or reneges on its contract, the company is acting in “bad faith”. The policyholder may sue the company not only for breach of contract (i.e. delay or denial of benefits) but also for damages sustained as a result of the delay or denial of those benefits.
Our attorneys have the litigation skills and comprehensive knowledge of the insurance industry to represent individuals, families and businesses that are victims of bad faith tactics by insurance carriers. If you believe your insurance company is acting in bad faith, call our experienced Sacramento insurance bad faith lawyers at Kershaw, Cook & Talley.
Examples of Insurance Bad Faith
There are multiple ways an insurance company may act in bad faith, such as:
- Denying that a legitimate claim is covered under the policy
- Delaying investigation, response or payment of a claim
- Paying only partial benefits for a claim
- Unreasonable denial or delay of policy benefits
- Failing to provide prompt justification for the denial of a claim
- Misrepresenting policy provisions or facts
These are only a few examples of potentially acceptable grounds to file a bad faith lawsuit. You’re not in this alone. We are here to help.
Whatever the reason, if you have filed an insurance claim, you have likely suffered. We work to help individuals, families, and businesses make sure they don’t suffer again at the hands of their insurance company. Our firm has helped thousands of people and businesses recover insurance payments they were rightfully owed.