Insurance companies sell policies to people to give them peace of mind for any future contingency or medical emergency. They promise and assure the people about how they can help them in times of contingency or emergencies. They have smart marketing teams who know how to sell policies and collect hefty premiums. People are ready to spend and pay high premiums as they are worried about their families and want to protect them. They completely trust the insurance company and hope that the company will stand by them in time of need. However these insurance companies sometimes fail to deliver what they promised, thus is known as insurance bad faith.
Insurance companies are not for charity they exist in order to make money and earn profits.
They are good at finding loopholes in your claim and delay them or reject them. Rather than helping you in your bad times as promised, they try to repudiate, defer or underpay your claim amount.
We at Khashan Law have an experienced team of lawyers who handle insurance bad faith cases for both individuals and business.
Health Insurance Bad Faith
When an insurance company refutes to pay or underpays an insurance claim for ulterior reasons, they are committing injustice. A victim of this insurance bad faith, cannot take on big insurance companies alone, so they need the help and support of a group of lawyers who can represent them and convince the courts that injustice has been done. It needs to be proven that there has been a breach of contract by the insurance company, as they are refusing to pay what they had promised while selling the policy. The policy is the proof of a contract between the insured and the insurance provider. After fighting a battle in the court, historically, it has been noticed that the courts consider the contract for determining the amount of damages. Therefore the court would ask the insurance company to pay what they were supposed to pay as per the contract to the victim. Which means there is no loss for the insurance company, after fighting in court and spending on lawyers and losing valuable time, the victim will get paid what they were liable for initially.
Therefore law firms who were interested in punishing the insurance companies for failing to pay the claim, suggested that insurance companies have a duty beyond their contracts. They have a duty to display good faith and conduct fair dealing with their clients, who purchase insurance from them. The courts agreed, and now this duty to display good faith is referred as “implied covenant of good faith and fair dealing:” If an insurance company breaks this contract, the policyholder has the right to file a litigation against the company on a tort claim (for bad faith) along with a breach of contract claim. Under tort law, the complainant can recover punishment damages from the insurance company for insurance bad faith.
We at Khashan Law focus on people and fight for their rights. We have fought cases of Insirance bad faith against liability insurance companies, life and health insurance companies and property insurance companies. If your insurance company has purposely denied paying your claim or is not treating your claim fairly, call us at (951) 461-2387, today for a free, confidential consultation.
Contact a Southern California Personal Injury Lawyer
The Southern California Personal Injury Lawyers at Khashan Law, we represent clients injured by dog bites, car accidents, workplace accidents, accidents on another’s property, medical malpractice and wrongful death cases. If you think you may have a personal injury case, please do not hesitate to seek the expert legal assistance you need to make things right. It costs nothing to call us, costs nothing for a consultation, and costs nothing to get us started looking out for your rights if we agree that you have a solid case.
Unexpected and unfortunate things happen to good people. Our caring legal professionals are here to help you recover the financial payment you deserve so you can get on with your life. Remember, all legal fees are based on a percentage of the award, and you pay nothing for our services until we win your case. We have three conveniently-located offices in Southern California.
Southern California Cities we serve include, but are not limited to:
- LOS ANGELES
- SAN DIEGO
- LONG BEACH
- SANTA ANA
- CHULA VISTA
- SAN BERNARDINO
- HUNTINGTON BEACH
- MORENO VALLEY
- GARDEN GROVE
- COSTA MESA
- MISSION VIEJO
- NEWPORT BEACH
- SANTA MONICA
Do you have questions about your Personal Injury Case?
If you are an accident victim who has been injured in a vehicle accident, in a slip and fall accident at some business or facility, or injured by the negligent and wrongful conduct of others, and need answers to your questions or to find out what your case is worth, please call us today at (951) 461-2387 for a free, confidential consultation. Or if you prefer, fill out our Contact Form. A lawyer or staffer from Southern California Personal Injury Lawyers will call as soon as possible you to schedule an appointment.