Insurance Claims

Insurance Claim FormInsurance is a part of everyone’s life. People have home insurance, car insurance, health insurance, and disability insurance. We can help in obtaining the benefits which you should be paid under your policy. We can make sure that the insurance company has the information they need to pay your claim. We can prevent them denying a claim for unnecessary information.

We litigate insurance bad faith cases. Where an insurance company is out to avoid payment of a justified claim, by any means necessary, we will take them to court. We will enforce your rights. We will use the power of the courts to bring the insurance company to justice.

We have substantial experience with many carriers and will work hard to obtain the best possible results.
We have extensive experience in representing policy holders in their claims on homeowner’s, disability, commercial general liability, and uninsured motorist policies.

We focus on representing policy holders in obtaining coverage and benefits from various insurers. We do not represent insurers. We focus on representing insureds in the prosecution of insurance bad faith cases. We seek to obtain coverage and benefits as well as penalties. We are experienced in applying such diverse laws to insurance such as Business and Professions Code Section 17200 Unfair Competition, The Unruh Civil Rights Statute, and The Consumer Legal Remedies Act. We include punitive damage claims.

We have substantial and through experience in claims for such first party coverages as intellectual property rights, environmental clean-up costs, and disability rights.

Some Examples of our past successes:

We are well qualified in all California law and actions involving the major insurers. We have been intensively litigating cases including those with jury verdicts in excess of $1,000,000 and with numerous Court of Appeals opinions reviewing the litigation.

We have experience representing insurance carriers in actions brought by their insureds. These cases arose under the homeowner’s claims, environmental coverages, and worker’s compensation (premium adjustment clause) policies. We are further admitted to Federal practice in the State of Arizona.

Our responsibility has included matters in which more than $10,000,000 has been paid in claims and damages. We have successfully defended claims with demands in excess of $5,000,000 on policies.
Our motions for summary judgment have been granted and sustained by the Court of Appeal, successfully ending litigation for our client. Raab v. Truck Insurance Exchange, Case No. B097722; motion for summary judgment, affirmed, Bagdadi v. Nazar, et al, 84 F.3d 1194 (9th Cir. 1996); motion for summary judgment, affirmed.

We have represented an insurer in a claim against another insurer. After a trial court wrongly granted summary judgment, we worked to have that reversed, proceeded to trial, and obtained a verdict in excess of $300,000 in our favor. Adverse summary judgement, reversed, Progressive v. Truck Insurance Exchange, Case No. B067010.

We are experienced at obtaining any possible insurance coverage for matters involving Intellectual Property Rights: All too often an insurer will attempt to reserve or avoid providing a defense at all on actions involving trademarks and copyrights. We understand intellectual property and insurance coverage. Because of our experience as intellectual property litigators, we have an advantage in obtaining coverage.

Insurance Claims FAQS

My insurance company says I have no coverage for the accident. How can this be?

The insurance company knows that most people do not read their insurance policies, but rely on summaries and agents, to know what insurance they have bought. Too often, when a person needs the insurance, the insurance company will say that the harm isn’t covered, or that there is an exclusion. Few people can understand all of the different provisions of the insurance policy and how they work together. Combined with state law, and the many cases in California interpreting insurance policies, we can be successful in showing that insurer’s way of looking at the policy is wrong.

My homeowner’s insurance won’t pay after the fire. Now, they are treating me like they don’t trust me at all. Can anyone help?

Too many insurance companies are run like two different companies. The agents are friendly and get to know you, visit you at home, and talk about “trust” and “protection.” Then, if you have a claim, everything you say and do is examined closely. Even more for fires at your home, where your entire life is disrupted, you need someone knowledgeable and energetic on your side

My disability insurance says I can work, but I know I can’t. What do I do next?

Disability insurance companies go to great lengths to find anything that could support their belief that you are not really so injured and that you need to go back to work.

My HMO medical insurance company denied me the treatment I need. They say all I can do is appeal, to them. Is there any way to get the treatment I need?

There is nothing more devastating than an insurer denying you needed medical care. Depending on the policy, your condition, and what treatment you need, we are able to represent you at all levels of appeal and legal action. In many instances, we are able to provide additional information to the insurer and obtain the needed medical treatment for you.

What does this cost?

Claims work can be done on a contingency or hourly rate, depending upon what is best for you and your situation. With a contingency fee, you only pay a portion of whatever we recover for you. If we do not prevail, you do not owe any attorneys’ fees. Costs are separate from fees and in many cases can be financed, so if there is no recovery, none are due from you. We discuss all costs and fees up front with each of our clients, so you know what the arrangement is, exactly.