For business owners in California, as well as residents of the state, having various forms of insurance as a means of protection against negative life events is essential. The impact that a car accident can have on a victim financially, for example, can be devastating. Not only could a victim in this situation be faced with very costly medical expenses, but they may also be kept from work during recovery which means they will lose their income. Additionally, they may have expensive property damage repairs and more. The number of damages a victim of a car accident in California can face has the potential to be immense. Through insurance, car accident victims may be able to recoup their losses and obtain financial compensation for their damages.
Even though insurance companies work very hard to reduce and deny payments where possible, they still have a duty to act in good faith when they work with claimants. It is essential that insurance companies do their due diligence to deal fairly with claimants wanting them to make good on their protections. Still, this is not always the case and it is possible for an insurance company to unreasonably and inappropriately deny claims. When this happens, the individual or business may have a legal case to make against the insurance company for acting in bad faith. Due to the complicated nature of such an action, it is best to work with a knowledgeable attorney. In California, the Los Angeles claim denial attorneys at the Leiva Law Firm can help victims respond to such a situation.
Must an Insurance Company Investigate a Claim?
Part of being a responsible insurance company that is complying with California insurance claim law is to take certain actions when a claim is made. This includes investigating the claim. It is impossible to determine if a claim is legitimate or should be covered without a thorough look into the details of what happened. If a claim is denied without investigation or an explanation, this is unacceptable.
In many cases, claimants that do not know their rights will just accept the outcome of a claim denial unaware that they should have been treated better. Insurance companies rely on the fact, that a claimant will just yield to the insurance company that rejects them, and not fight back. However, companies and individuals who file claims should know that this practice is unlawful and it is possible to take legal action against an insurance company after a claim denial, especially when there was no investigation or valid reason given for the dismissal.
Speak with a California Claims Denial Attorney Today
It is not uncommon for the insurance company to engage in unfair tactics like failing to do investigations to get out of paying claimants. It happens all of the time. Policyholders pay good money for their insurance, so when it comes time to use it, they deserve to have the coverage they are entitled to. For more information about what to do if your insurance claim was falsely denied, call the Leiva Law Firm to schedule a free consultation and discuss your situation at (818) 703-1777.
