Dealing with insurance companies can be confusing and a huge headache. Luckily, the state of California has more laws to protect policyholders than most other states. The best way to stand up to an insurance company is to know your rights and have a knowledgeable and motivated injury accident attorney in Sacramento CA on your side. Many individuals are not aware of these laws and that even includes individuals that work for insurance companies. Some claim adjusters and other employees of insurance companies routinely break these laws, through ignorance or otherwise. There are many laws, some are complicated, regarding how an insurance company is obligated to interact with policyholders. Having an attorney who is knowledgeable about the subject and being informed about the most basic aspects of these laws can be very helpful when making a case against an insurance provider.
Insurance companies have all the time in the world to negotiate a settlement and string you along as they “shuffle paperwork.” They often try to wait out people seeking damages as they are aware victims of, for example, a car accident have immediate bills to pay and much less money to spend than a giant insurance corporation. Be sure you don’t fall victim to their tactics by speaking with an injury accident attorney in Sacramento CA immediately after you’re involved in a car accident.
The following relates to California Insurance code section 790.03
Insurance companies are obligated to act in good faith with policy holders. This includes:
The following relates to California Code 790.02
The following relates to California Code of Regulations 2695.7 & 2695.9
Insurance companies are obligated to conduct reasonable investigations incorporating evidence you submitted. This evidence may include:
The following relates to California Code of Regulations 2695
It is very important to keep exact records of communications and the contents thereof in order to prove violation of this regulation. Phone conversations should be recorded with the date included. It may be easier to communicate through e-mail as a digital receipt is automatically generated.
The following relates to California Code of Regulations 2695.7 and Insurance Code 2071
The following relates to California Insurance Code 790.03
Unless specified by the exact policy you have, it is not necessary to use the forms provided by an insurance company for contents lists. A typed list with replacement prices for items lost should be sufficient. Insurance companies are not allowed to require secondary proofs of loss such as receipts when you have photographs or other proof of ownership and worth.
The following relates to California Code of Regulation 2695.7
The list goes on and on and covers a wide range of subjects such as fair depreciation, additional living expenses, and being forced to use a specific contractor. Seeking counsel from a well-informed injury accident attorney in Sacramento CA is the best way to defend yourself against a well-funded, strongly defended insurance company. Give us a call for a free consultation.