Sacramento Bad Faith Insurance Litigation Attorneys

Bad Faith Litigation

"Insurance bad faith" is an extremely broad area of practice but generally signifies a breach of what is known as the covenant of good faith and fair dealing that is implied in every contract formed in California, including an insurance contract.

Insurance bad faith claims arise when the insurance company breaches the insurance contract by using non–legitimate reasons to deny claims. Insurers owe a duty of good faith and fair dealing to the insured when evaluating claims. Most bad faith actions in California are what are referred to as "first party bad faith lawsuits." This type of action involves an insured's claim against his or her own insurance company, and arises when an insurance company unfairly denies an insured benefits or delays making payments for an unreasonable amount of time.

Below are some examples of these claims:

• A claim for damages to an insured's motor vehicle under collision or comprehensive coverage of an automobile policy;
• A claim under life, health and disability insurance policies;
• A claim for damages to an insured's property under a homeowner's insurance policy; and
• A refusal to defend an insured against a third party claim which is covered under the insured's policy.

If you or a loved one has been a victim of insurance bad faith it is important to select an experienced California insurance attorney. For more than 15 years, Attorney Frederick J. Sette has been dedicated to helping individuals throughout Sacramento and California obtain the compensation they deserve.