Insurance companies do not generally set out to make deliberate bad faith decisions, but most insurance companies are for-profit corporations, and their desire to increase profits sometimes results in business practices that are adverse to the insured. Although insurance companies are in the business of making money, they are not normal businesses. They have special duties requiring them to protect their customers. Those duties are to deal fairly and to act in good faith.

If you believe your insurance company has dealt with your claim in bad faith, contact a knowledgeable attorney at Ryan & Associates, APLC in San Diego. Our familiarity with the responsibilities of insurance companies to deal fairly with insureds can help you get your coverage when you need it the most.

Keep Insurers Honest: The Implied Covenant of Good Faith and Fair Dealing

No single act or omission by an insurance company by itself will stand as conclusive proof of bad faith. Instead, we review the terms of your policy and the circumstances of your claim to see if one or more of the following applies to your situation:

  • Delay in acknowledging and adjusting your claim
  • Failure to perform an unbiased, objective investigation of your claim
  • Unreasonable interpretation of policy terms, conditions or exclusions
  • Refusal to promptly pay covered claims
  • Denial of your defense against third-party liability claims

When an insurer breaches its duty of good faith and fair dealing by unreasonably refusing to pay benefits or to provide a defense under the policy, it can be liable for bad faith. Litigation is often the result. Policyholders often face insurmountable odds when challenging their insurance carriers. You can expect the insurance company's lawyers will be experienced, smart, and able adversaries. Your lawyer must have the experience and resources to do battle with such an opponent.

San Diego insurance lawyer Greg Ryan has helped businesses, individuals and families resolve disputes with insurance companies over the right to coverage on all kinds of policies: disability insurance, homeowners insurance, commercial general liability coverage, errors coverage, and other insurance products.

Do Not Fight Your Insurance Company Alone. Call Us Today.

Whether your insurance problem involves potential liability on a construction defects claim or losses of your own due to wildfire or storm damage at home, we can advise you about your options. Contact Ryan & Associates, APLC in San Diego for additional information.