Tag: Bad faith insurance attorney

sued

Sued After an Accident: Does the Insurer Pay My Legal Bills?

While purchasing insurance may often seem like a rote task and paying premiums just a financial inconvenience that goes with the territory of buying a home or a car, the idea is to minimize risk for everyone involved. The hope is also that—even with the expenses involved—a claim will never be necessary. Most of us in our lifetime will be in a car accident though, unfortunately, or experience damage to our home or our business. In some cases, it may be our fault too. Either way, experiencing what may be a catastrophic event requiring assistance from your insurer can be extremely stressful. And especially if legal action is involved.

There are many different examples that could include liability claims. You may have been in a car accident and found at fault. In that case, your liability insurance should cover any legal needs. If you own a policy covering you for general liability and a customer takes a spill on the concrete, you could find yourself being sued for substantial medical bills. Fortunately, the money you have been doling out for all those premiums should cover you for a legal defense—unless the situation at hand falls under an exclusion to your coverage.

A legal defense is usually covered and includes investigation of the claim. In many cases they will attempt to settle the claim with the other party. This is common in cases like auto accidents where an insurance adjuster will examine the property damage to the cars, interview all parties involved (including witnesses), and then arrive at a settlement amount to be offered to the injured party. If that is not possible and the case does go to court, you should be covered for the duration of the trial unless there are stipulations in your policy regarding such obligations. It is vital to have a comprehensive understanding of what you are purchasing at the time that you are speaking with your insurance agent before an accident occurs. While even a fender bender can still require hundreds or even thousands of dollars in repairs, an incident including catastrophic injuries or repairs could lead to financial ruin without the proper protection.

Are you concerned about a recent claim, or are you trying to understand your insurance policy? If a dispute over a claim cannot be easily resolved through a call or written communication, the Bolender Law Firm will advocate on behalf of policyholders through litigation, arbitration, or non-binding mediation. Our attorneys are experienced in representing clients in state and federal courts, at both the trial and appellate level. Call us at 310-320-0725 now or submit an easy consultation request online. We are here to help!

 

Unfair Claims Settlement Practices Act

Understanding the Unfair Claims Settlement Practices Act

Insurance is built on a promise, and laws like the Unfair Claims Settlement Practices Act are put in place to make sure they are followed through on. Like most consumers in the US, you probably have one or more policies, and each is a legal contract that promises to pay for coverage in the case of illness or death, an automobile accident, property damage to your home or business, potential harm to your professional life, and more. To say that the business of insurance is a big industry is a gross understatement, and all too often, greed takes over—meaning that companies sometimes practice in bad faith to keep from handing over large sums of money to policyholders who have kept up their end of the bargain.

If you have been injured or if you are suffering from other damages or catastrophe, your finances may be hanging in the balance—and having to wait on an insurance company worth billions of dollars to pay your claim can be an extremely stressful and frustrating experience. Luckily, laws have been enacted in many states, including California, to protect consumers at the mercy of insurance companies who are not fulfilling their obligations as stated in insurance policies. The Unfair Claims Settlement Practices Act allows a range of different protective measures for the consumer, although the laws may be termed differently from state to state.

In California, Fair Claims Settlement Practices Regulations force insurers to stay in line or face penalties. Most of the regulations are geared toward typical bad faith practices, especially with delays. The insurer must have given you an answer within 40 days, whether they are accepting or denying a claim. Comprehensive investigations are required, along with written explanations regarding the claim or any denial of the claim. “Lowball offers’ are prohibited, and claims that are to be paid must be completed within 30 days. These are just some examples of the regulations, but if you suspect bad faith, don’t go it alone. Consult with a skilled attorney from an office like the Bolender Law Firm for assistance in getting your claims paid as soon as possible.

Other examples of bad faith may include verbal abuse or intimidation tactics used in the hopes that you will back down. This could include requiring volumes of documentation from you too, much of which may not even be relevant to the case and could be both difficult and time consuming to track down—again, causing more delays and allowing the insurer to keep earning interest on money which should be going to you over your claim.

If you need help reviewing your insurance policy, or if you suspect your insurance company may be denying your claim in bad faith, contact the attorneys at the Bolender Law Firm.  If a dispute over a claim cannot be easily resolved through a call or written communication, our attorneys will advocate on behalf of policyholders through litigation, arbitration, or non-binding mediation. Our attorneys are experienced in representing clients in state and federal courts, at both the trial and appellate level. Call us at 310-320-0725 now or submit an easy consultation request online. We are here to help!

Commercial truck crashes

Commercial Truck Crashes: The Potential for Damage & Injury is Greater

You probably travel numerous roads each day for any number of mundane tasks. While there is the daily commute, other responsibilities call too such as carrying children to and from to school and activities, the endless grocery shopping, trips to pick up a range of different consumer items, and often visits to doctor’s office and other appointments. On most days, the drive will be just as uneventful as the day before, but chances are you will have at least one car accident in your life time. Busy roads, often with a melee of cars, trucks, motorcycles, bicyclists, and pedestrians, can be deceptively dangerous for everyone traveling—and in fact, car accidents and fatality rates continue to rise at an alarming rate, showing a 13 percent increase just over two years.

Trucks Weigh Exponentially More

Just as pedestrians and bicyclists are more vulnerable due to the potential of a 4,000-pound car striking them, cars (and everyone else) are at significantly more risk when hit by a truck—and mainly commercial trucks which could anywhere from 10,000 pounds to 80,000. In the case of an accident where a large truck hits a car, the collision could be much more complex as a smaller vehicle could be completely crushed, resulting in serious injuries if not death. There may be trailers involved and 18 wheels to contend with as trucks jackknife or contort with the pressure of a crash. Along with that, there is the concern of the truck’s contents at the time of an accident. While there may be many pounds of inventory, serious environmental hazards could arise with a chemical spill or other toxins.

Injuries in an Accident with a Truck Can Be More Serious or Fatal

If you were harmed in an accident due to negligence on the part of a commercial truck driver (or any other motorist), you could have sustained major injuries (brain injuries, spine and neck injuries, broken bones, and more are common) and been out of work temporarily or permanently. An experienced injury attorney should be the one to speak with any insurance adjustors who may call—and especially if they are prying for information or offering you a quick settlement. Keep in mind that their goal is usually to pay out as little for your accident as possible—and to tie up the case with as little time and effort as possible.

Contact Us for Help Now!

If you suspect your insurance company may be denying your claim in bad faith, contact the attorneys at the Bolender Law Firm.  If a dispute over a claim cannot be easily resolved through a call or written communication, our attorneys will advocate on behalf of policyholders through litigation, arbitration, or non-binding mediation. Our attorneys are experienced in representing clients in state and federal courts, at both the trial and appellate level. Call us at 310-320-0725 now or submit an easy consultation request online. We are here to help!