Insurance Bad Faith

Our insurance bad faith lawyers in Torrance can protect you from predatory companies and ensure you get the compensation you need from your personal injury case.

Torrance Insurance Bad Faith Lawyers

Protecting Clients Throughout the South Bay

You probably do not think about your insurance coverage until you pay the premium and make a claim. It is just something you know is there, and you assume you can count on coverage if and when you need it. That may be a false assumption, as insurance companies are primarily interested in protecting their bottom line. Your insurance company may be far more interested in getting your premium than paying for a legitimate claim and attempt to take advantage of you. AgnewBrusavich helps people like you when insurance companies fail to live up to their obligations.

What is Bad Faith in California?

In California, insurance companies can be sued for “bad faith” if they unreasonably handle a policyholder’s claim. In every insurance contract, there is an implied covenant of good faith and fair dealing, which requires companies to treat policy holders fairly.

Some examples of insurance bad faith include:

  • Unreasonable denial of a covered insurance claim
  • Underpaying an insurance claim
  • Unreasonable refusal to defend you if you are sued despite your liability coverage
  • Unreasonable delay in paying your insurance claim
  • Refusing to authorize reasonable and necessary medical treatment
  • Failing to conduct a fair, objective, and thorough investigation into your claim
  • Arbitrary or capricious interpretation of the policy or the facts of a claim
  • Providing a misleading response/denial letter
  • If the insured is in a difficult financial situation, to use that as leverage in negotiating a settlement more favorable to the company than what is justified by the facts
  • Abusive tactics and threats of charging the insured with a crime to avoid the payment of a claim
  • Failure to make reasonable efforts to keep the insured informed as to the status of the claim

What Can I Do When My Claim is Denied?

Perhaps one of the most common forms of bad faith we see from insurance companies is the wrongful denial of someone’s claim. Companies may provide a variety of possible excuses as to why they denied your claim in order to minimize costs. If you believe your claim was wrongfully denied, it’s best to hire one of our professional and experienced attorneys to investigate the situation.

While it is possible for a denial to be legitimate, we can determine whether the insurance company was acting in bad faith and are attempting to avoid paying your claim. Going up against large insurance companies can seem daunting, but with an established law firm in your corner, you may be able to prove that injustice occurred and you deserve to be compensated.

Damages Available for Those Impacted by Bad Faith

If an insurance company unreasonably handles your insurance claim, that implied covenant is breached, and the insurance company could be subject to legal action.

In addition to recovering the direct financial loss suffered due to the insurance company’s actions (or failure to act), if you prove the company unreasonably handled your claim, you could recover the following types of damages:

  • Emotional distress
  • Reasonable attorney’s fees
  • Lost earnings from your business
  • Medical expenses if the stress from the bad faith harmed your health
  • Opportunity cost in your business
  • Lost use of your property
  • Punitive damages (damages meant to punish the insurance company for its acts) if you can show the insurance company acted with malice, oppression, or fraud as defined by California law, and it was approved or ratified by a managing agent of your insurance company

How Long Do I Have to File a Claim?

If you think you are the victim of an insurance company’s efforts to limit its exposure to your claim, there is a limited time frame to file a lawsuit. The statute of limitations, or the time limit a plaintiff has to file a claim against a party in the court of law, depends on the nature of the claim.

  • If it is based on a breach of the insurance contract, there is a four-year time period.
  • If the claims are for bad faith, the time frame is two years, and that starts when the insurer refuses to arbitrate the matter.

Failing to file in the applicable period will, in all likelihood, result in the dismissal of your claims.

A History of Success

Thousands of Helped & Millions of Dollars Recovered
  • Great Law Firm

    “The entire AgnewBrusavich team took over everything and were a tremendous help. The insurance company was dealt with, the settlement was received, and I was very pleased with the results. I would not hesitate to recommend AgnewBrusavich to anyone.”

    - David H.
  • Excellence, Integrity, Persistence, and Skill

    “The team at Agnew Brusavich cannot come more highly recommended. If you should have some sort of personal injury case, particularly if you are a cyclist, I cannot think of a better team to handle a personal injury case.”

    - E.H.
  • They Took Care of Everything

    “Gerry and the rest of the AgnewBrusavich staff certainly delivered on their promises. I would not hesitate to recommend Gerry Agnew to anyone—he and his firm know exactly what they are doing, and take the time to do the very best job they can for the”

    - Geoffrey L. (Member of Big Orange Cycling Club)
  • Accommodating & Willing to Answer All Questions

    “Agnew and Brusavich helped me so much after an injury from a car accident. I was shaken up from the experience but they made me feel so comfortable and truly showed they cared about my case.”

    - N.B.
  • Patient & Determined

    “I was referred to Agnew Brusavich, and after meeting with Gerry I felt much better. He and his team handled all the communication between the insurance companies and opposing attorneys and kept me up-to-date throughout the process.”

    - John P.

Free Consultations

Dedicated to Protecting Rights Since 1984

AgnewBrusavich has a well-earned reputation with the insurers for both the quality of our work and the tenacious representation we provide for our clients. Our reputation and record of success often brings about a more cooperative and reasonable approach by the insurer compared to what our clients may be able to achieve by themselves. Most of our insurance cases are resolved with a fair settlement.

If you find yourself trying to collect on a claim filed with your insurance company and you feel you are getting the run around, you are not being treated fairly, you have been told things that simply are not true, or you feel your claim has been unreasonably denied, contact our Torrance bad faith insurance lawyers. We can deal with the insurance company so you will not have to. We can make sure the company gives you the proper treatment you deserve and that you receive the settlement you’re entitled to.

371 Van Ness Way,
Suite 120
Torrance, CA 90501
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Contact Us 310-928-9081

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We Have a History of Obtaining Justice On Your Behalf
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