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Insurance Bad Faith Attorneys in Santa Barbara

Challenging insurance companies on your behalf

We pay premiums to insurance companies to be there for us when we need them, and when an insurance company refuses to pay claims or benefits, or will not settle or defend a lawsuit, our insurance bad faith attorneys in Santa Barbara at Pulverman & Pulverman, LLP hold them accountable for their bad faith actions.

The covenant of good faith

A covenant of good faith is implied in every contract, including every insurance policy. This requirement to act in good faith means that the insurance company must act reasonably in its decisions and not for improper motives. It is not necessarily unreasonable for an insurance company to investigate a claim, determine coverage and liability, establish the value of a claim or decide whether it is better for the company to settle or litigate. These may all be sound business practices. However, when the motive is to find a way to deny the claim or pay as little as possible, the actions of the insurance company may be in bad faith.

Examples of bad faith actions include:

  • Rescinding a policy on a technicality to avoid paying a claim
  • Denying coverage
  • Offering a “lowball” settlement figure that is out of proportion to the true value of the claim
  • Refusal to defend a lawsuit
  • Threats against an insured refusing to defend a claim brought by a third party
  • Failing to properly investigate a claim
  • Undue delay in processing a claim
  • Fraud of agent and insurance companies in denials and underpayments
  • Making unreasonable interpretations of an insurance policy

To prove bad faith, insurance bad faith lawyers in Santa Barbara look objectively at the customary course of business in the industry and uncover the insurance company’s subjective motives in the particular instance.

Standing up to your insurance company

The insurance bad faith attorneys at Pulverman & Pulverman, LLP represented a named party through many trials and appeals in Safeco Ins. Co. v. Parks, a seminal insurance bad faith case involving a multi-million-dollar judgment and the insurance company’s bad faith failure to settle a personal injury case and defend or indemnify an insured under the policy.

Seek an experienced California insurance attorney handling bad faith claims

If you feel that you are not being treated fairly by your insurance company, call Pulverman & Pulverman, LLP at 805.259.3581 or contact the firm online to schedule a free consultation.