If you are a defendant in an insurance related lawsuit there are a few important things you need to know up front.  The lawyers for the insurance company do not represent you, they represent the insurance policy itself.  California has established your right to your own independent attorney known as a Cumis Counsel in an insurance lawsuit or dispute.  This ensures that your rights and protections receive the legal attention they deserve.

The conflict of interest for the insurance company’s attorneys between their primary obligation to protect the insurance policy itself and you as a policy holder creates risk and potential liability for you outside of the coverage of the policy.  It is in the insurance company’s interest to “throw you under the bus” and attempt to shift liability from the policy itself to you, personally.  You may receive a letter from your insurance company expressing a “Reservation of Rights” in your case.  This letter is an immediate red flag and means one thing:

You need to contact the Cumis Counsel attorneys at the Watkins Firm for a free consultation at 858-535-1511.  Learn how your insurance company is required to pay our fees directly on your behalf, meaning there is no cost to you out of pocket.

The Reservation of Rights letter may be an attempt by your insurance company to avoid their rightful responsibilities under your insurance policy.  California law provides protections for you as a policy holder against insurance bad faith and other practices your insurance company may employ to avoid paying your valid claim or protecting you under the policy.

The Watkins Firm has decades of successful experience representing individuals and businesses in San Diego.  You should look for a firm with  extensive litigation and trial experience.  Ask about our service as Cumis Counsel in an insurance lawsuit in San diego and our services regarding insurance coverage analysis and policy review.