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Welcome to the California Insurance Bad Faith Blog

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I’m frustrated that insurance companies regularly and wrongfully deny their customer’s valid claims. Or perhaps they don’t outright deny a claim, but do their best to pay significantly less than required. Most insurance customers, rather than deal with the insurance company’s wrongful denial or underpayment of a claim, move on with their lives believing they are helpless to challenge an insurance company’s bad faith denial or under payment on an insurance claim.

But that is not the case. California law requires that insurance companies pay all valid claims on a timely basis. Sadly, most insurance companies flat out ignore the law and wrongfully deny their customers’ valid insurance claims.

When an insurance company wrongfully denies its customer’s insurance claim, it is said to be acting in “bad faith”. When an insurance company acts in bad faith, its customer can sue the insurance company not only for the insurance proceeds that should have been paid, but also for an extra amount (i.e., punitive damages) that represents the insurance company’s bad faith in refusing to pay the full claim amount in the first place. If a jury determines the insurance company breached its policy, and was in bad faith, significant damages can be awarded against the insurance company to punish it for its wrongful denial of a customer’s valid claim.

The purpose of the Bad Faith Blog is to discuss insurance companies acting in bad faith and what their customers can do if a valid claim is denied. After all, when we buy insurance, we are buying peace of mind—at least that is the goal. Most of us don’t know that in most cases we will have to aggressively fight with our insurance company to get our valid claims covered. These issues, and more, will be discussed in this blog. With that, welcome to the Bad Faith Blog. I hope our posts are helpful to you in understanding insurance bad faith in California.


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