Insurance Bad Faith Lawyers Serving Clients Across the United States
Standing up for Clients When Insurance Companies Will Not
The insurance bad faith lawyers at Greene, Broillet & Wheeler, LLP, are familiar with the many tactics insurers may use to wrongfully deny the assistance that policyholders deserve. We know what insurance failures can cost you, both financially and emotionally, and we work to help our clients receive the full amount they deserve for their unnecessary losses. If you believe your insurance company acted in bad faith in the Los Angeles area, throughout California, or anywhere in the United States, call our office today at (310) 576-1200 or use our online contact form to schedule a free consultation.
A Tradition of Success in Pursuing Insurance Bad Faith Claims
Many different insurance companies can act in bad faith in many different contexts. Our experienced trial attorneys have prevailed in cases involving life insurance, homeowner’s insurance, and general commercial liability insurance. We have achieved numerous multimillion-dollar verdicts and settlements for doctors, lawyers, and other professionals who received wrongful denials of benefits under their private disability insurance policies. No matter what the context, we have identified bad faith actions on the part of insurers and stood up for our clients’ rights to full financial recovery.
Insurance companies are often large corporations and ready to deploy many defense tactics against bad-faith claims. An insurance company’s job is to limit liability, and these companies will aggressively defend themselves to avoid paying damages to policyholders. Not every law firm is well-equipped to take on large companies with extensive resources to dedicate to their defense.
At Greene, Broillet & Wheeler, LLP, our attorneys do not hesitate to take legal action against large insurance companies such as Unum Group, Paul Revere Life Insurance, Farmers, State Farm, Allstate, Travelers, and 20th Century, among others. Attorney Mark Quigley leads our practice in this field and has demonstrated excellence in taking on insurance giants. He is one of a handful of attorneys in the United States who takes on the Unum Group, and he has obtained numerous multimillion-dollar verdicts against this company. Recently, he obtained a $4.2 million verdict in the case Kieffer v. UNUM, where the jury awarded $3 million in punitive damages.
The following is only a small sample of additional results we have obtained for our clients:
- $6.75 million for our client in a bad faith claim after an insurer denied a proper defense and indemnification in a claim for property damage
- $4 million for a client whose insurance company improperly denied disability benefits to which their policy entitled them
- $2.9 million for a doctor who received a denial for rightful disability benefits from the insurance company
Overall, our legal team never shies away from cases involving millions or even billions of dollars in damages. Our lawyers have secured more million-dollar verdicts and settlements for clients than any plaintiff’s injury firm in California. Please call our legal team today to learn more and discuss your specific situation.
Reasons for Our Success Against Insurers
You may wonder what sets Greene, Broillet & Wheeler, LLP, apart from other California law firms, and what allows us to handle high-value insurance bad faith claims with such success. People or businesses facing overwhelming losses should consider Greene, Broillet & Wheeler, LLP, for several reasons:
- Our resources – Because our firm successfully takes on the toughest high-value cases, we have even more resources to put back into the firm for the benefit of current and future clients. We have an investigative team on staff that will thoroughly examine the circumstances of each claim, gathering persuasive evidence that other lawyers may miss. We limit the cases we accept so that each of our attorneys and staff members has the time to fully address every issue in every case they handle. We invest our time and resources into our clients, and we will never hesitate to see a claim through to its best possible resolution, even if it means going to trial.
- Our experience – When you face devastating losses due to insurance bad faith, you do not want to simply call any law firm that handles insurance law claims. Many law firms may handle numerous smaller-scale claims, but that does not put them in the position to seek multimillion-dollar settlements or awards. Not all experience is equal—and our attorneys have extensive experience handling high-dollar cases because that is our firm’s priority. You can trust we have the experience to represent you against your insurer.
- Our reputation – Insurance companies often try to take advantage of attorneys who are less experienced at handling complex claims or litigation, or who may not have an established track record of success in court. They know they can intimidate these attorneys into avoiding an expensive trial and settling for much less than a client deserves. The legal team at Greene, Broillet & Wheeler, LLP, on the other hand, has a proven record of excellence. Because of our reputation, insurance companies take us seriously when we walk into the room. They know we will not hesitate to go to trial if an insurer fails to offer a favorable settlement. They also know that we have a team of highly skilled litigators who regularly get maximum results from juries. Insurance companies know we will not back down and that they cannot intimidate our attorneys into accepting any less than our clients deserve.
The above are only some factors contributing to the Greene, Broillet & Wheeler difference. For more information about what sets our team apart and whether our firm is right for you, please contact us for a free consultation.
Common Types of Insurance Bad Faith
We buy insurance to protect ourselves, our families, or our businesses against catastrophic events like fires, natural disasters, auto accidents, or disabling injuries. When the unthinkable happens, we turn to that insurance policy to pay for these losses and make us whole. In too many cases, the insurer denies the claim, agrees to pay only a portion of the true value of the claim, or delays payment for months or even years. These actions can compound your problems and lead to severe financial problems.
Under California law, contracts between an insurer and a policyholder have a clause called the “implied covenant of good faith and fair dealing.” This means that the insurance company must act in good faith when fulfilling its contractual obligations and may not unfairly interfere with a policyholder’s rights under the contract. Such rights include receiving benefits for covered risks, proper investigation into the liability for an injury, defense by the insurer against claims by third parties, and using good faith to settle all claims.
Too often, however, an insurance company will fail to meet its obligations under the contract. This can often constitute a breach of the covenant of good faith and fair dealing, and policyholders may bring a legal claim for insurance bad faith. Some acts that may constitute bad faith include:
- Unreasonable delays or unreasonable refusals to settle a claim
- Refusal to pay a valid claim or unreasonably limiting or delaying payments
- Failing to conduct a prompt, fair, and full investigation into a claim
- Refusing to communicate with policyholders about claims or claim status
- Failing to provide explanations for a claim denial
- Misrepresenting the facts of coverage under the policy
- Compromising a policyholder’s ability to defend a lawsuit
Bad faith acts can happen with any type of insurer or policy, including consumer or business policies. The first step in determining whether bad faith occurred is to examine the language of a policy, which can prove extremely complex. If a policyholder has a reasonable expectation of coverage, benefits, or defense based on the language of a policy, you might prevail in a bad faith claim even if the policy contains ambiguous language. Consult with an attorney who thoroughly understands California insurance laws.
At Greene, Broillet & Wheeler, LLP, our attorneys have won numerous multimillion-dollar verdicts and settlements for victims of insurance bad faith, including cases involving:
- Failure to pay valid disability claims, property damage claims, and business insurance claims
- Failure to defend against lawsuits (failure to indemnify as required in business policies)
- Failure to settle within the stated policy limits
- Negligence or fraud on the part of an insurance agent or broker
If insurance bad faith has victimized you, call a lawyer who can seek full recovery for you.
Seeking the Recovery Our Clients Deserve
Extensive losses can stem from an insurer’s bad faith, including:
- Costs a policyholder paid that the policy should have covered
- Costs the insured had to pay to an injured third party
- Costs paid to defend a lawsuit filed by a third party
- Legal fees trying to obtain the deserved benefits
- Damages for emotional distress or mental suffering
Our attorneys will not simply settle a claim for any amount an insurer offers. We will not hesitate to take a case to trial prove the full scope of damages arising from bad faith.
Recovering Punitive Damages for Insurance Bad Faith
An insurance policy is a contract between the insured and the insurer. Insurance bad faith is a breach of that contract, often done with gross negligence or even intentional fraud, that leaves policyholders in dire financial positions. Insurance bad faith is particularly egregious for many reasons.
Consequently, when insurance companies engage in bad faith, courts will sometimes compel them to pay punitive damages for their conduct. The law does not base punitive damages on any specific financial losses of plaintiffs. Instead, in some cases, a jury can award a plaintiff punitive damages as an additional punishment for the insurance company if it engaged in severe wrongdoing.
Punitive damages can add millions of dollars to a claim value, though defendant insurers will hotly contest whether a situation warrants such an award. Our attorneys fully understand the law regarding the availability of punitive damages and can identify in which cases it is appropriate and just to seek them. We have obtained jury awards worth $3 million and more in punitive damages in insurance bad faith claims, and will always consider the possibility of punitive damages in every case to ensure our clients receive justice.
Do Not Hesitate to Contact Our Los Angeles and Nationwide Insurance Bad Faith Attorneys
When you make an insurance claim or someone files a claim against your policy, you rightfully expect your insurance company to abide by the terms of your policy. When an insurance company wrongfully refuses to meet its obligations and provide coverage or defense, you have important legal rights to protect.
Unfortunately, insurance companies will rarely admit wrongdoing and will often devote extensive resources to defend against bad faith claims. Do not risk losing a claim by selecting a law firm that lacks the experience and resources to take on large insurers. Take the case results of Greene, Broillet & Wheeler, LLP, as an indicator that our team has what it takes to represent policyholders in high-stakes insurance law claims.
From our offices in Santa Monica, Greene, Broillet & Wheeler, LLP, represents clients in the Los Angeles area, throughout Southern California, and the entire state. We also consult with attorneys and clients nationwide. Call (310) 576-1200 or contact us online today to discuss how we may help you.