Insurance Benefits Denial

25 YEARS OF EXPERIENCE WITH INSURANCE-RELATED CLAIMS

Orange County injury attorney Paul W. Ralph has more than 23 years of experience at handling insurance-related claims, cases, denials and bad faith actions. In every insurance policy there is an implied obligation of good faith and fair dealing that neither the insurance company nor the insured will do anything to injure the right of the other party to receive the benefits of the agreement. To fulfill the implied obligation of good faith and fair dealing, an insurance company must give at least as much consideration to the interests of the insured as it gives to its own interests.

A breach of the implied covenant of good faith and fair dealing may lead to contract and tort damages having to be paid by the insurance carrier. These insurance bad faith claims often arise in the context of life and disability claims, where the insurance company denies benefits based on a faulty interpretation of the policy language, the law, the nature of a particular disability or the cause of death. Additionally, these claims can arise where an insurance carrier has denied their insured benefits under an uninsured/under-insured motorist provision in an automobile policy. Sometimes, simply a delay in paying any of these benefits may give rise to a bad faith claim.

KNOW YOUR RIGHTS WHEN YOUR INSURANCE CLAIM IS DENIED

Not all insurance claim denials are made in bad faith.  Sometimes, the facts and circumstances of a claim simply do not fall within the coverage of a particular insurance policy.  However, where a denial of life, disability or medical benefits is based on something arbitrary or just to satisfy the economic interests of the insurance company, an insurance bad faith claim may be necessary. When you don’t think your insurance benefits claim has been handled by your insurer in a fair manner, seeking consultation with a seasoned attorney who has a proven track record is likely the best first step toward obtaining civil justice, fair compensation.