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California Homeowners

Insurance Reform-Bad Faith Issues
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DISCLAIMER
REGULATORY AGENCIES

Policyholders of America

http://www.policyholdersofamerica.com/index2.html

Policyholders of America, or POA, is a take charge organization that helps you empower yourself. We don't whine. We get results. In the process, we make the insurance companies madder than hell. We don't care. We're here to help you, the policyholder, get the coverage you've paid for and deserve.
Policyholders of America - President, Melinda Ballard

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Americans for Insurance Reform--AIR

Big insurance companies want to make their problem your problem.
Their problem:

Poor business practices, shady accounting,
money lost in the stock market, not enough profits. Theyve even scared some people into fighting their battle for them, like doctors, patients, homeowners and small businesses.
Why do they want to shift their responsibility for mismanagement to us?
What else are they up to?

Insurance company proposals to weaken our civil justice system
only make rich insurance companies richer.
SAY NO!
FIGHT BACK!

info@insurance-reform.org


Americans for Insurance Reform, 80 Broad St., Suite 1710, New York, NY 10004-3307; Phone: 917/438-4608; Fax: 212/764-4298
(AIR is a project of the Center for Justice & Democracy)


Homeowners insurance in California is approaching a crisis level, according to the state Department of Insurance. 
 http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2002/11/03/BU127371.DTL

Insurance bad faith refers to the failure of an insurance company to pay out on a legitimate claim by one of its insured. By entering into a contract with clients, insurance companies are required by law to honor claims for covered services, and if they reject a claim without a valid reason they can be prosecuted.

Types of Insurance Bad Faith

There are several types of bad faith committed by insurance companies. They include:

  • Denying a claim
  • Failing to investigate a claim
  • Delaying payment
  • Paying out on only part of a claim
  • Wrongly interpreting the language of the policy in order to deny coverage
  • Denying all claims when they are first filed

The only instances where an insurance company has the right to deny a claim are:

  • If the insured does not live up to the insurance contract - by not paying premiums, etc.
  • If the claim is not covered, as outlined in the insurance policy
  • If the claim is fraudulent

If you or a loved one has been a victim of insurance bad faith, you may want to contact an insurance bad faith lawyer for more information.