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Personal Injury Lawyers in Los Angeles Can Help Injured Drivers Deal With Insurer Bad Faith

Auto insurance is a legal requirement for drivers in California. Car owners pay a premium in order to receive a certain amount of financial protection in the event of an accident. However, there are cases where insurance companies refuse to honor legitimate claims. In these cases, personal injury attorneys in Los Angeles can help people file a lawsuit to help them receive the financial compensation they deserve.

An insurance policy is essentially a legal contract where the insured pays an insurance provider a specified amount or premium in return for financial compensation in the event of an accident. Insurance policies are very specific in terms of coverage, and can range from basic liability insurance, to collision damage repair, and medical payments for injuries sustained in an automobile accident.

According to the California Highway Patrol Statewide Integrated Traffic Records System (SWITRS), there were 121 deaths and 4,683 injuries involving motor vehicle crashes in unincorporated areas of Los Angeles County in 2008 alone. Aside from the legal necessity of having car insurance, the high number of traffic related accidents in Los Angeles simply makes it good sense to have the financial support of an insurance provider.

Unfortunately, insurance companies act in bad faith despite the availability of evidence to support an insured’s claim. They may use unreasonable interpretations of policy terms, deliberately withhold payments, or simply refuse to settle – or even process – a policyholder’s claim.

In some cases, a policyholder whose claim has been denied by an insurance company may be able to appeal, and have a chance to receive compensation for damages or injuries received. However, if an appeal to reverse the decision does not result in a favorable response from the insurance company, contacting a Los Angeles personal injury attorney experienced in handling bad faith claims may be the best way to resolve the situation. Depending on the circumstances surrounding the claim, an attorney may attempt to resolve the case through mediation or arbitration. If the insurance company still refuses to settle despite the clear legality of a claim, an attorney may recommend taking the case to court.

Under California law, insurance companies are required to settle a claim promptly and fairly. However, the process can be complicated and confusing for those who have no legal background or knowledge of relevant laws. Personal injury attorneys in Los Angeles can provide the essential legal advice and resources needed to help victims of bad faith insurance receive the financial compensation they deserve.

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