When Insurance Companies Act in Bad Faith in San Diego

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What happens when insurance companies act in bad faith in San Diego?  What constitutes insurance bad faith in California and how can the Watkins Firm help to protect your interests?  Insurance bad faith is usually uncovered during the process of submitting a valid claim on an insurance policy in good standing.  Most people think their insurance company is “on their side,” and they are not expecting the treatment they receive when they finally need the benefit of an insurance policy which they have paid for months or years.  It is simply not in the insurance company’s best interest to approve your claim.  They will search for any reason to deny part or all of your claim.

There are many cases when insurance company employees tell policy holders they are not covered for the claim under their actual policy.  This should be a red flag for any insured policy holder.  The experienced insurance attorneys at the Watkins Firm can review the policy and the nature of your claim.  We work to hold them accountable for the coverage you’ve paid for and ensure your valid claim is acknowledged and approved.

Another tactic is to issue a “Reservation of Rights” letter.  This is known (sarcastically) in the insurance industry as a “denial letter” as your insurance carrier intends to attempt to get out of part or all of their exposure in your case.  If you receive a reservation of rights letter from your insurance carrier this is another red flag and you should contact the Watkins Firm immediately for a free consultation at 858-535-1511.

Ask about your right under California law to a “Cumis Counsel.”  You see, the attorneys at the insurance company owe their first legal allegiance to the policy itself, not to you personally.  If they can “protect” their client (the policy) by throwing you under the bus they will.  California law provides the right for you to have your own counsel – a “cumis counsel” – independent of the insurance company attorneys.  Best of all, your insurance company usually has to pay the entire bill for your cumis counsel.

The insurance attorneys at the Watkins Firm have decades of experience protecting policy holders as their cumis counsel in insurance related lawsuits.  When insurance companies act in bad faith in San Diego think of the Watkins Firm and contact us for a free consultation.