When you pay an insurance premium you expect the insurance company to act in good faith and investigate the claim. If they don’t, it’s your legal right to demand restitution.

Why You Need LJB Law

Our team at Lari-Joni & Bassell, LLP works tirelessly on behalf of each and every one of our clients. We don’t quit until an insurance company faces justice and you receive fair compensation for its failing or refusing to fulfill obligations.

What is Insurance Bad Faith?

Bad faith insurance is when an insurer tries to avoid its obligations to its clients (aka you!). This can be either a refusal to pay a policyholder’s legitimate claim, or a refusal to investigate and process a policyholder’s claim within a reasonable period. 

In other words, insurance companies act in bad faith when they: 

• misrepresent an insurance contract’s language to the policyholder to avoid paying a claim
• fail to disclose policy limitations and exclusions to policyholders before they purchase a policy 
• make unreasonable demands on the policyholder to prove a covered loss

How to File a Bad Faith Claim Against an Insurance Company in California

You should begin the process by hiring experienced California lawyers who understand insurance bad faith claims similar to yours. We take the time to get to know our clients personally and we have years of experience fighting these types of cases.

Insurance Bad Faith FAQs

Can I sue my insurance company for bad faith?

Every insurance policy includes an “implied covenant of good faith and fair dealing.” This requires the insurance company to act in good faith toward the policyholder. If you feel your insurance company has broken that promise, you may be able to sue them for compensation. 

I received a low offer for an insurance claim. Is this bad faith?

If your insurance company intentionally offers an unreasonably low settlement, this could be a basis for bad faith. These companies are supposed to treat you reasonably and fairly, so if your insurance provider intentionally lowballed your claim, reach out to LJB Law today.

Is there a statute of limitations for bad faith insurance lawsuits?

Generally, the statute of limitations for a bad faith insurance lawsuit is two years. However, it can be difficult to discern when a bad faith claim actually begins. If you feel your insurance company is acting in bad faith, it’s best to reach out to an attorney right away to avoid costly delays.

Get Help Today

If you’re in search of an attorney to assist you with your bad faith insurance case, our team at LJB Law is ready to assist. Reach out to our team today for more information about our services. Our team is ready to help you!