Insurance denial in San Diego is on the rise and the attorneys at the Watkins Firm are very concerned about the increasing arrogance of insurance companies throughout the area. What should you do if you believe you have a valid claim against an individual or commercial insurance policy? Have the premiums been paid to date? How fast did the insurance company act, and have you received a letter of insurance denial in San Diego or Southern California?
Your insurance company must process your claim promptly under California law. If they fail to process your claim and provide written reasoning as to why within 40 calendar days of the submission of your claim, you may be facing an instance of insurance bad faith. Insurance companies often misrepresent the extent of coverage on their own policies to their policy holders, or flat deny coverage when the verbiage of the insurance policy itself clearly establishes coverage under the conditions of your claim. Who will stand up for you and protect you against your own insurance company?
The insurance bad faith attorneys at the Watkins Firm stand up to wrongful insurance denial in San Diego and ensure our clients receive the coverage and legal representation they deserve. In many cases, the insurance company will send a Reservation of Rights Letter. Internally (in the insurance industry) this letter is unofficially referred to as a “denial letter.” The reservation of rights letter is a huge red flag and means your insurance company intends to deny coverage on part or all of your claim. It is important to understand your rights. California law provides for your own independent counsel known legally as a “Cumis Counsel” when you are the defendant in a lawsuit related to insurance coverage. Best of all, your insurance company must pay for your Cumis Counsel.
The experienced insurance litigation attorneys often serve as cumis counsel on cases involving insurance disputes or insurance denial in San Diego and the surrounding areas. If you are concerned about insurance coverage or the denial of a claim we invite you to contact the Watkins Firm or call today for a free consultation at 858-535-1511.
