Insurance Disputes in the South Bay
South Bay Insurance Bad Faith Lawyer
At Layfield & Wallace, APC, we fight to secure justice and compensation for our clients. In the course of the many personal injury claims we have represented, we have seen time and again that insurance companies do not always treat their policy holders fairly. Remember, insurance is a multi-billion dollar industry. The insurance companies have enormous incentive to protect their bottom line, and this means that they will do everything they can to avoid paying you anything more than absolutely necessary. This may come as a great surprise, after you bought your policy based on promises of being in good hands or being treated like a good neighbor. After years of dutifully paying your premiums, you are met with the shock of learning that your insurance company is not actually on your side.
About Insurance Bad Faith
Whether your dispute involves homeowner's insurance, health insurance, life insurance, liability insurance or any other type of coverage, you have a right to expect full payment according to the terms of your policy. When the insurance company sold you your policy, they entered into a contract with you and undertook a duty to act in good faith towards you in fulfilling the terms of the contract. Failure to do so is actionable under law as an act of bad faith. Common examples of insurance bad faith include:
- Refusing to pay a valid claim
- Failure to investigate your claim in a timely and objective manner
- Refusing to pay the full value of the claim under the terms of the policy
- Failure to authorize medical treatment to which you are entitled under your health insurance policy
- Willingly imposing delays on a claim decision
- Refusal to provide an attorney to defend you against a liability claim
By filing an insurance bad faith claim, you may be able to recover monetary damages which can include damages for breach of contract, compensation for the full value of the underlying claim, and perhaps even punitive damages based on evidence that the insurance company's actions were malicious or grossly negligent. If you believe that you may have grounds to sue for bad faith, contact us now for help from a South Bay personal injury lawyer. We serve clients in Manhattan Beach, Hawthorne, Torrance, El Segundo, and Redondo Beach, and we are ready to fight for you!