Sacramento Insurance Dispute Lawyers

How your claim is treated by your insurance company depends on your specific contract. However, most insurance contracts contain standard clauses that make it fairly easy to determine your basic rights.

A few examples include:

• Subrogation Rights. Once your insurance company has paid out benefits based on your claim, most insurance companies require that you transfer the Subrogation Rights to them. Subrogation Rights are the right to bring a claim for damages against the party who caused the accident.
• Reservation of Rights. If someone has filed a claim against you asserting that you caused an injury or damage, your insurance company is obligated to defend you against any claim covered by your policy. However, your insurance company is not required to pay any damages for claims not covered by the policy. In this instance, an insurance company will often send a "Reservation of Rights" letter specifying which claims it will handle and which losses will not be covered.
• "Prompt Notice" requirement. Most insurance policies require you immediately notify them of an accident or loss. Failure to give "prompt notice" may result in delays or refusals to pay.

For more information regarding your insurance policy and how to proceed with a claim, contact an experienced California insurance attorney for a free consultation.