Best Bad Faith Insurance Lawyers in Glendale

About Bad Faith Insurance Law in Glendale, United States

Bad faith insurance law in Glendale, United States is designed to protect policyholders from unfair or deceptive practices by insurance companies. When you purchase insurance, there is an expectation that the insurer will act honestly and in good faith when handling claims. Bad faith occurs when an insurance company unreasonably denies, delays, or fails to investigate a claim, placing the insured at a financial disadvantage. These laws ensure that insurance companies adhere to fair practices and provide appropriate compensation when policyholders face losses covered by their policies.

Why You May Need a Lawyer

People in Glendale may find themselves in need of a bad faith insurance lawyer for several reasons. Common situations include:

• Your insurance claim has been denied without a valid reason.
• The insurer delays payment or investigates your claim for an unreasonably long period.
• You receive partial payment for a claim that should be fully covered.
• The insurance company fails to communicate or misrepresents facts about your coverage.
• You are pressured to accept an inadequate settlement offer.
• The insurer refuses to provide a written explanation for their denial or delay.

A qualified attorney can help you understand your rights, gather necessary evidence, and pursue your case to obtain the benefits you deserve under your policy.

Local Laws Overview

Glendale is located in California, which has specific statutes and common law principles regarding bad faith insurance. California law holds insurers to a "covenant of good faith and fair dealing," meaning they must treat policyholders fairly and handle claims in an honest, forthright manner. Key aspects include:

• Insurance Code Section 790.03(h) defines unfair claims settlement practices, such as unreasonable delays, failing to communicate, or undervaluing claims.
• Policyholders can seek both contractual damages (the amount owed on the policy) and extra-contractual damages, like emotional distress, if bad faith is proven.
• Punitive damages may be awarded if the insurer’s conduct is found to be malicious or oppressive.
• The statute of limitations for bringing a bad faith claim is generally two years from the date of the violation or discovery.

Understanding these local laws is crucial when assessing your potential case and determining the legal options available to you in Glendale.

Frequently Asked Questions

What is bad faith insurance?

Bad faith insurance refers to an insurer’s failure to honor the obligations of your policy in a fair and reasonable manner, such as improperly denying or delaying your claim.

How do I know if my insurer acted in bad faith?

If your claim was denied, delayed, or underpaid without a valid explanation, or if the company misrepresented your policy, you may be a victim of bad faith.

What types of damages can I recover in a bad faith case?

You may be entitled to recover the original benefits owed under your policy, plus damages for emotional distress, attorney’s fees, and sometimes punitive damages.

How long do I have to file a bad faith claim in Glendale?

Generally, you have two years from the date you become aware of the insurer’s wrongful conduct to file a lawsuit.

Can bad faith apply to all types of insurance?

Yes, bad faith laws apply to all types of insurance including auto, homeowners, health, life, and business policies.

What should I do if I suspect bad faith by my insurer?

Start by gathering all relevant documents, correspondence, and evidence. Then, consult with an experienced bad faith insurance attorney for guidance.

Do I need a lawyer to pursue a bad faith claim?

While not required, having a lawyer is highly recommended as these cases can be complex and insurers often have strong legal representation.

Can I file a complaint with a government agency?

Yes, you can file a complaint with the California Department of Insurance if you believe your insurer acted unfairly.

What if my insurer offers a settlement?

Do not accept a settlement without first consulting an attorney to ensure the offer is fair and reflects the damages you are owed.

How much does it cost to hire a bad faith insurance lawyer?

Many bad faith insurance lawyers work on a contingency fee basis, meaning you only pay if you win your case. Fee percentages should be discussed with your lawyer.

Additional Resources

If you need additional information or support concerning bad faith insurance in Glendale, consider these helpful resources:

• California Department of Insurance - Provides information on filing complaints and understanding your rights as a policyholder
• Los Angeles County Bar Association - Offers lawyer referral services and consumer resources
• Better Business Bureau - Registers complaints against insurance companies and provides company ratings
• Legal Aid Foundation of Los Angeles - Assists low-income individuals with various civil legal issues, including insurance claims

Next Steps

If you believe you are a victim of bad faith insurance in Glendale, United States, here are several steps you can take:

• Review your insurance policy to understand your coverage and exclusions.
• Gather all documentation related to your claim and any communication with your insurer.
• Reach out to the California Department of Insurance to file a complaint or get more information.
• Consult with an experienced bad faith insurance attorney in Glendale to evaluate your case and discuss your legal options.
• Act quickly, as there are time limits for filing claims and lawsuits regarding bad faith actions.

A qualified lawyer can help you navigate the process, protect your rights, and maximize your chances of a successful outcome.