San Diego Personal Injury Lawyers Helping Those Struggling with ...

Most of us experienced yet another troubling earthquake in the San Diego County and in other portions of Southern California today. As a result, many of us have decided to check if we have earthquake coverage as part of our homeowners? insurance policies. Unfortunately, the majority of homeowners in the area do not have this type of coverage for damage that?s inflicted by an earthquake, leaving homeowners without much in the way of options if an earthquake does damage to our homes.

One of the reasons that people decide against this coverage even though it?s required by California law to be offered in addition to ?standard? coverage is because people are pessimistic about their chances of recovering a claim if an earthquake does damage to their homes and valid claims are filed. Below you will find a brief overview of the legal issues that surround bad faith insurance practices and how those who are dealing with this problem can obtain help from experienced San Diego personal injury lawyers.

Bad Faith Insurance Described

Insurance policies are essentially contracts that exist between an insurance underwriter and a homeowner in the case of homeowner policies. As such, the policyholder agrees to pay the premiums on the policy for coverage and the underwriter agrees to cover losses on valid claims that are filed by those policyholders. Unfortunately, this is not always what occurs.

When, for instance, someone loses a home or sees it damaged by an earthquake and files a claim for a recovery, insurance companies will engage in several common tactics to avoid having to pay those claims. These tactics include simply denying any claim that?s filed with no stated reason, purposely delaying the claim beyond a reasonable amount of time or engaging in fraudulent tactics in an effort to deny that claim.

When such a situation arises, people need to take action regarding these tactics so that the terms of the insurance policy contract can be enforced and the people who need this type of coverage can recover the compensation that they are due under both the terms of that policy and California law. This is easier said than done in many situations, however, as insurance companies are large corporations with access to resources that include defense attorneys and experts who will work to help that company avoid the financial liability tied to this issue.

How San Diego Personal Injury Lawyers Can Help

People who are dealing with bad faith insurance tactics after an earthquake face an increasingly desperate situation. They need to repair or in some cases rebuild their homes but are unable to do so because of the lack of protection they have received. If you are someone who is facing this difficult situation, you need to seek the help of San Diego personal injury lawyers who have been fighting for the rights of clients for many years. Contact the Mitchell | Gilleon Law Firm today to schedule a free initial consultation.

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Source: http://safeguardfreedom.com/blog/?p=7724

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