Have you been harmed by unethical and unfair insurance company tactics? Los Angeles insurance bad faith lawyer Robert Mansell will help you aggressively fight back.

People depend on insurance policies to protect them in many areas of daily life. For example, in California, drivers are required to have a basic level of car insurance. To cover regular medical care as well as catastrophic injury expenses, many people have medical insurance policies as well. Life insurance provides a payout in the event of a loved one's death. Homeowners' insurance offers many across-the-board protections for property owners, while renters' insurance covers losses in a rental unit. There are many types of insurance policies, and chances are, you own at least one.

To maintain your insurance policy or policies, you are expected to make regular payments. Even when your insurance rates increase exponentially year after year, you must hold up your end of the bargain or run the risk of losing your coverage. And while that responsibility is supposed to run from your insurer back to you - meaning that they act responsibly when you tender an insurance claim - this is unfortunately not always the case.

Wrongful Insurance Denials

Insurance companies make money from taking in revenues from policyholders. Money paid back out for claims diminishes that profit-margin. Therefore insurance companies can be unfairly tight-fisted and refuse to pay insurance claims that they are supposed to. Sometimes insurance companies may deny valid insurance claims in the hope that the insured will not fight back to get the coverage to which he or she is entitled. These types of insurance denials are not only unethical, they may give a person grounds to sue.

Insurance claims for direct coverage or reimbursement are sent to an insurance company when the insured has suffered a loss that is covered under the insurance policy. Under California law, insurance companies cannot issue a denial of insurance coverage or refuse to pay a customer's claim without "reasonable justification." This means that an insurance company must engage in a reasonable, good faith investigation and pay legitimate claims in a timely manner.

Refusal or failure to pay covered insurance claims in a timely manner is called bad faith. Bad faith practices by an insurance company are actionable in California.

Damages for Insurance Bad Faith

Insurance claims can be for large amounts of money, amounts necessary to help a person accomplish vital tasks, such pay for medical expenses or fix or replace a damaged car in order to work. If an insurance company fails to handle its customers' claim properly, it may be held accountable not only for the amount of the claim at issue, but for other damages as well. Damages you can seek for an insurance bad faith claim include:

• Economic losses resulting from the insurer's bad faith
  • Lost wages
  • Interest on money the insured borrowed to cover expenses while insurance benefits were wrongfully withheld
  • Losses due to damaged credit

Most insurance companies are massive organizations with deep pockets and large litigation departments. This means they have the resources to fight individual policyholders to protect their financial interests. That is why it is crucial that a person who has been harmed by bad faith insurance practices has access to equal legal firepower. At Southern California law firm Mansell and Mansell APC, our insurance bad faith attorneys know how to stand up to insurance companies and deliver impressive results.

Free Insurance Bad Faith Attorney Consultation

Choose an insurance bad faith attorney that will aggressively pursue the full spectrum of remedies against insurance companies acting in bad faith. If you have been denied coverage by an insurer, contact an experienced Los Angeles insurance bad faith attorney with our online form, or call to speak with lawyer Robert Mansell today at (323)466-4900. Your initial consultation is completely free. Find out about your rights now!

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