Insurance Bad Faith

Unfair Disability Insurance Law Firm in California

When you are facing a disability, a disability insurance policy can take a huge weight off your shoulders. It can help you manage the financial burden of being unable to work so that you and your family can focus on adjusting to your new normal and healing, if possible. That weight, however, can get a lot heavier if the insurance company does not uphold their end of the bargain. Depending on the facts and circumstances, there are ways to still recoup the money you are owed from the insurance company. Our Donahue and Horrow LLP California disability insurance denial attorneys are experienced in handling these types of cases – we know how to recoup money from insurance companies that have wrongfully denied claims.

What is good faith and fair dealing?

For every private disability insurance policy in California, the insurance company is under a duty of good faith and fair dealing. This means the insurance policy carrier must treat you fairly. If the insurance company breaks the promise to treat you fairly, it is bad faith. Unfortunately, we know that promises can be broken. Insurance companies often treat their insureds unfairly – that leaves someone suffering from a disability, frustrated and unsure of their financial stability. Don’t let an insurance company bully you and push you around. If you are being treated unfairly, the insurance company is breaking their promise and acting in bad faith. You can hold them accountable.

Under a standard breach of contract claim, meaning the disability insurance policyholder denied a claim, the insured can only recover the amount of the policy benefits plus interest. Under a bad faith claim, however, you can recover policy benefits plus interest as well as attorney’s fees and additional damages. This can include monetary payment for emotional stress, economic damages and punitive damages.

If you’re claim has been denied in California for disability insurance, we can work with you to determine whether you have a potential lawsuit for breach of contract and/or bad faith. While we can’t provide all of the circumstances in which you may have a bad faith claim, a few examples of bad faith claims include:

• The insurance company failed to investigate the claim.
• The insurance company was not objective in evaluating the claim and instead gave more consideration to the insurance company’s interests than to your interests.
• The insurance company failed to communicate properly with the insured.
• The insurance company misrepresented coverage under the policy.
• The insurance company made a “low ball” settlement offer in bad faith, despite knowing the claim is valid.

There are many other circumstances in which you may have a claim for bad faith. If you have been denied coverage under your private disability insurance policy, you’ll want an attorney who has experience in these types of claims. These cases are different from standard personal injury law – that’s why we focus solely on disability insurance claim denials. We have the experience and knowledge necessary to fight for the money you deserve and need.

Don’t delay. Contact us today.

We know you are facing a financial burden because of the insurance company’s wrongful conduct. We don’t want to add to that. To account for that, we take all of our cases on contingency basis – that means you pay nothing until we recover money on your behalf. We are here to help you and fight for what you need and, frankly, what you paid for when you purchased your disability insurance policy.

If your disability insurance coverage has been denied in California, talk with one of our attorneys today. Let us take this weight off your shoulders – you can focus on recuperating and adjusting with your loved ones. We will focus on holding the insurance company accountable and getting you the money deserve as quickly as possible. Get started with your free consultation or call us at (877) 664-5407.