The insurance company never gets the final say on deciding whether to pay your claim. An insurance bad faith lawyer at Quincey Law Firm can handle your case, taking on the insurance company when necessary.
You can file a lawsuit against the insurance company when they have denied your claim. Depending on what they have done, you may even be able to seek damages directly from the insurance company. The worse the insurance company’s actions, the greater the chance that you may receive damages.
Call Quincey Law Firm today to learn more about your legal options when an insurance claim has been denied. We can discuss your case with you during a free initial consultation.
No matter what type of claim you have filed, it is always subject to review by the insurance company. They may not believe that your claim is covered under the terms of your policy or that you have not submitted enough evidence for them to pay you. Regardless of the reason why the insurance company has denied your claim, you still have rights. Not only do you have a contract with the insurance company, but their business is also strictly regulated by the State of California. You may be able to take legal action to force them to pay your claim, and you may even be able to sue the insurance company itself.
When you pay premiums to the insurance company, you enter into a contractual relationship with you. So long as your claim meets the terms of your policy, the insurance company is obligated to pay, up to the amount of your coverage. However, the insurance company does not always see things that way. They may deny your claim, or they may try to pay you a fraction of its value.
If you have entered into a private contract with the insurance company, you can always sue them in court. First, you should understand the reasons for the denial of your claim. Second, you should contact an insurance claims attorney to help you fight back. Your insurance claims lawyer could speak further with the insurance company, even before you file a lawsuit, in the hopes of clearing up any misunderstandings that led to the denial of your claim. When the insurance company sees that you have hired a lawyer, they may look at you differently, knowing that there is a possibility that they can be sued.
You could file a lawsuit in court for breach of contract. Your insurance claims attorney could present evidence that shows that the insurance company has wrongfully denied your claim. Then, your case may be a matter of contract interpretation, where the court would review the exact language of your policy to determine whether your claim should be covered. The court would also review any exclusions to your coverage to decide whether your claim is outside of the confines of your policy.
Depending on the exact actions that the insurance company has taken, you may even be able to sue them directly. Not only does the insurance company have an implied duty of good faith because they are a party to a contract, but California law also lists a number of prohibited actions in connection with insurance claims. If the insurance company has engaged in bad faith, they could be ordered to pay you damages, above and beyond having to cover your claim. A court may even assess punitive damages in your case, which is a prospect that really frightens the insurance company.
You also have the right to file a complaint with the California Department of Insurance, although that would not result in the payment of your claim. Regulators could scrutinize the actions of the insurance company, and they may potentially take enforcement action. When the insurance company knows that they are under the microscope, they may act more reasonably and reconsider their denial of your claim.
The important way to show the insurance company that you mean business is to hire an attorney to deal with them when your claim has been denied. They may pay you little attention, but they would sit up and take notice when they are approached by an insurance bad faith lawyer.
When the insurance company is giving the runaround, get help from a legal heavy hitter at Quincey Law Firm today. You can schedule a free initial consultation by calling us today at 866-945-9175 or by messaging us through our website. Attorney Nicholas Quincey knows how to take on the biggest companies, and he will do so on your behalf.
At Quincey Law, we understand the overwhelming stress, financial hardship, and emotional toll that can result from a wrongfully denied insurance claim. When insurance companies fail to honor their commitments, it’s not just a matter of money—it’s a breach of trust. That’s why our team is dedicated to standing up for Californians like you, providing experienced and tenacious legal representation to level the playing field against large insurance corporations.Insurance Claim Denial AttorneysOur firm has a deep understanding of the complex nature of insurance law, with a primary focus on handling insurance bad faith claims. We have a proven track record of successfully holding... View full business profile here: Quincey Law
