Newport Beach Insurance Bad Faith Lawyers

I was referred to Jesse from my chiropractor after he reccomended I give him a call a couple of times. I was nervous to call an attorney, but so glad I did! Jesse Bablove handled everything while also ensuring I received any aftercare I needed to recover from the accident! Recognize your value and worth and give them a call. Thank you guys for going above and beyond!

Melanie Tydingco

Mr. Bablove managed to help me receive the maximum payout possible from my auto accident. He was very responsive and made sure I got every bit of medical attention I needed. He’s a good guy, I would highly recommend him.

Jeff Renfro

Upon being referred to the guys at Kohan & Bablove Injury Attorneys, I spoke with Jesse about my case, and from the get go he was super hands on and a genuine guy who treats you like family and cares for the well being of his clients. I would definitely recommend Jesse and his team to one of my friends or family members!

jared batson

Insurance companies are required by California law to handle claims in good faith, acting in a fair and reasonable manner. Unfortunately, some insurers prioritize their profits over their obligations, engaging in bad faith insurance practices that leave policyholders struggling to recover what they are owed. If your insurer has wrongfully denied your claim, delayed payment, or acted dishonestly, Kohan & Bablove Injury Attorneys can help. As trusted Newport Beach insurance bad faith lawyers, we fight to hold insurance companies accountable and protect the rights of policyholders.

What Is Insurance Bad Faith?

Insurance bad faith occurs when insurers fail to meet its legal obligation to act in good faith and deal fairly with its policyholders. In California, insurers are legally required to process and pay claims promptly and honestly. When they don’t, they can face serious consequences, including liability for additional damages beyond the policy limits.

Common Examples of Insurance Bad Faith

Unreasonable Delays: Failing to resolve a claim promptly without justification.
Wrongfully Denied Claims: Rejecting valid claims without reasonable explanation.
Underpayment of Benefits: Offering less than what is owed under the policy terms.
Failure to Investigate: Ignoring evidence or conducting incomplete investigations.
Misrepresentation of Coverage: Providing false or misleading information about policy provisions.
Retaliatory Policy Cancellations: Terminating a policy after a claim is filed to avoid payment against insurance policies.

These actions can have devastating financial and emotional consequences for the individual clients or the small business who are already dealing with losses.

Types of Bad Faith Insurance Claims

Bad faith can occur with nearly any type of insurance policy. Kohan & Bablove Injury Attorneys handle bad faith claims involving:

Auto Insurance: Denials or delays for accident claims or property damage.
Homeowners Insurance: Disputes over coverage for fire, flood, or theft damages.
Disability Insurance: Rejected claims for short- or long-term disability benefits.
Health Insurance: Denied medical procedures or treatments.
Life Insurance: Delays or denials of death benefits owed to beneficiaries.

No matter the type of insurance policy, you have the right to expect your insurer to act fairly and in good faith.

Legal Remedies for Insurance Bad Faith

If your insurance company has acted in bad faith, you may be entitled to recover damages beyond the original value of your insurance claim. Legal remedies include:

Policy Benefits: Compensation for the original amount owed under your policy.
Punitive Damages: Additional damages designed to punish insurers for egregious misconduct.
Emotional Distress: Compensation for mental anguish caused by the insurer’s actions.
Attorneys’ Fees: Reimbursement for legal costs incurred during the bad faith litigation process.

By filing a bad faith lawsuit, you can hold your insurance company accountable and potentially recover far more than the initial benefits denied.

Why Insurance Companies Act in Bad Faith

Insurance companies are for-profit businesses, do not have your best interests in mind and denying or delaying claims can increase their bottom line. Bad faith practices often occur because campanies:

Seek to avoid paying benefits to save money.
Count on the insured not challenging their decisions.
Misuse their knowledge of policy provisions to confuse claimants.

If your insurance company fails to meet its obligations, you don’t have to accept their unfair treatment. A skilled Newport Beach insurance bad faith lawyer can protect your rights and ensure your insurer is held accountable.

How a Newport Beach Insurance Bad Faith Lawyer Can Help

Navigating a bad faith insurance claim alone can be overwhelming. At Kohan & Bablove Injury Attorneys, our attorneys will:

Evaluate Your Case: Determine if your insurer acted in bad faith by analyzing your policy and insurance claim history.
Gather Evidence: Collect documents, communications, and records to build a strong case.
Negotiate with the Insurer: Advocate for a fair settlement that reflects the true value of your claim.
Litigate if Necessary: File a bad faith lawsuit and represent you in court if your insurer refuses to act in good faith.

Our firm has extensive experience handling bad faith insurance cases and achieving positive outcomes for clients throughout Orange County and beyond.

California Laws on Insurance Bad Faith

California law imposes strict requirements on insurance companies to act in good faith and resolve claims fairly. Failure to meet these obligations can result in severe penalties. The statute of limitations for filing a bad faith insurance claim in California is typically two years from the date of the bad faith act.

To avoid missing this deadline and ensure your legal rights are protected, contact a Newport Beach insurance bad faith lawyer as soon as possible.

Bad Faith Disability Insurance Claims

Disability insurance provides essential financial support when you’re unable to work due to illness or injury. However, when insurance companies fail to meet their legal obligations, bad faith practices can leave insured parties without the benefits they rely on. These situations often result in significant financial stress and emotional hardship for claimants.

Examples of Bad Faith in Disability Claims

Some common bad faith tactics used by insurance companies in disability claims include:

Unjustified Denials: Rejecting claims despite medical evidence proving the policyholder’s inability to work.
Failure to Properly Investigate: Overlooking or ignoring key medical records, employment information, or other evidence supporting the claim.
Delays in Processing Claims: Deliberately stalling the approval or payment of valid claims without a reasonable explanation.
Excessive Documentation Demands: Requesting unnecessary or repetitive documents to complicate and prolong the claims process.
Misrepresentation of Policy Terms: Providing misleading information about the scope or exclusions of coverage.

These strategies are designed to minimize payouts, often at the expense of fair dealing and the insured parties who depend on timely benefits.

Protecting Your Rights

The California court imposes strict obligations on insurance companies to act fairly when processing your disability bad faith claim. When insurers fail to meet these duties, the holders of the policy have legal recourse to recover more than just their owed benefits. Damages in bad faith disability claims may include:

Compensation for unpaid benefits.
Emotional distress caused by the insurer’s actions.
Punitive damages for particularly egregious misconduct.
Reimbursement of legal expenses incurred while fighting the claim.

Understanding your rights and acting swiftly to address bad faith practices can help ensure you receive the benefits you’re entitled to under your insurance company policy.

Why Choose Kohan & Bablove Injury Attorneys?

At Kohan & Bablove Injury Attorneys, we are dedicated to defend policyholders in Southern California against unfair insurance practices. Our Newport Beach insurance litigation lawyers provide:

Extensive Experience: We have successfully handled numerous bad faith insurance claims. Our expertise will cover all of your legal needs.
Personalized Representation: Every case receives individualized attention to meet your specific needs.
Contingency Fee Representation: You pay no upfront fees; we only get paid if we win your case.

Don’t let your insurance company deny you the benefits you deserve. Let our law group fight for you.

Call for a Free Consultation

If you believe your insurance company acted in bad faith, don’t delay in seeking legal counsel. Contact Kohan & Bablove Injury Attorneys for a free legal consultation to discuss your case. Call us at (949) 535-1341 or visit our contact page to get started with your free case evaluation. Let us protect your rights and hold your insurer accountable.

Newport Beach Insurance Bad Faith FAQs

1. What qualifies as insurance bad faith?

Bad faith occurs when an insurer unreasonably denies, delays, or underpays a valid claim or engages in dishonest practices.

2. Can I sue my insurance company for bad faith?

Yes. California law allows policyholders to file bad faith lawsuits if their insurer fails to handle claims fairly and in good faith.

3. How long do I have to file a bad faith claim?

You typically have two years from the date of the bad faith act to file a claim. Consult an attorney promptly to avoid missing deadlines.

4. What damages can I recover in a bad faith lawsuit?

Damages may include unpaid policy benefits, emotional distress, attorneys’ fees, and punitive damages in severe cases.

5. How much does it cost to hire a bad faith insurance lawyer?

At Kohan & Bablove Injury Attorneys, we work on a contingency fee basis, meaning you pay nothing upfront, and we only get paid if we win your case.

Let us handle the legal complexities of your bad faith insurance claim while you focus on moving forward.