Need Help Settling an Insurance Claim?

Our Chico Insurance Law Attorneys Are Here to Help

With private insurance, attorneys are needed to assist both insurance carriers and policyholders. Insurance litigation is extremely complex, and there are a lot of details that make finding common ground a difficult proposition. For example, you may have suffered an injury after an automobile accident. You file a claim with your insurance company, only to discover that they rejected your claim because of lack of coverage. This is a common occurrence where an attorney is needed to understand the problem and work towards a fair solution. However, a lot of mid-size law firms have attorneys that represent the insurance company in negotiations or at trial. At Peters, Habib, McKenna, Juhl-Rhodes & Cardoza, LLP, our attorneys have experience navigating complex insurance law matters. We frequently assist both carriers and policyholders during first party claims and insurance subrogation claims.

For over a century, Peters, Habib, McKenna, Juhl-Rhodes & Cardoza, LLP has served the California community by representing clients in a variety of civil and municipal matters. Our attorneys have decades of combined experience handling insurance coverage disputes. We always look for ways to avoid litigation whenever possible. However, when litigation is mandatory, we aim to resolve cases in a fair and efficient manner. By remaining active within the local community, our firm has won the trust of Chico residents. We will fight for their rights when an insurance claim is made. By working with both insurance providers and policyholders, our firm has a deep understanding of all aspects of insurance law. If you are dealing with an insurance law matter, then our Chico insurance law attorneys will help you fight and get what you are legally owed.

Our Areas of Representation Involving Insurance Law

Although there are many categories of insurance law, our firm has experience handling a wide variety of cases. We advise and represent insurance clients on matters involving:

  • Automobile insurance. Our firm represents clients needing help with automobile insurance. This includes uninsured motorists, underinsured motorists and medical payments insurance.
  • Commercial general liability coverage. General liability insurance covers a lot of the accidents that can take place at a small business. Our attorneys have experience representing both the insurance provider and the injured party during a commercial liability suit.
  • Errors and omissions. Errors and omissions insurance (E&O) is a type of professional liability insurance. It helps to protect companies and their workers against accusations made by clients for subpar work or negligent behavior. Our firm understands how difficult this is for an organization and will fight to obtain a fair outcome.
  • Fire loss. When a fire destroys your property, having fire loss insurance is supposed to cover all of the damage caused by the fire. However, insurance companies often try to limit the amount of payment they send out to fire victims. Our attorneys will work hard to ensure that you receive what is owed to you after an accident.
  • Homeowner’s insurance. If you have a home and financed the purchase with a mortgage, then your lender will most likely require you to get homeowner’s insurance coverage. However, having insurance does not mean that you are living in your home risk-free.
  • Umbrella policies. An umbrella policy is optional insurance that reaches beyond the coverage of your initial insurance policy. It can include bodily injury liability, libel defense and property damage liability.

What Are Examples of Bad Faith Insurance Lawsuits?

When you purchase insurance, there is an expectation that your insurance provider will follow their end of the bargain. By law, in any state, your insurance provider owes you a duty to act in good faith. This means that an insurance company cannot look for ways to shirk its responsibilities once a claim is made. Doing so would be acting in bad faith. Bad faith claims come in a variety of forms, and the consequences are just as varied. Bad faith litigation can be resolved via a settlement with the insurance company, through arbitration or by a jury verdict. Common examples of insurance providers acting in bad faith include:

  • Failure to conduct a reasonable investigation of the claim. If your insurance provider does not conduct an adequate investigation into your claim, then they cannot possibly make a sound decision about your coverage.
  • Failure to deny or pay the claim within a reasonable period of time. Insurance companies have a habit of stalling payments. However, if their stalling negatively affects your life, then you could file a bad faith insurance lawsuit.
  • Failure to communicate relevant information to the claimant. Often times, an insurance provider will withhold information from a policyholder and use it against them at a later date. You should have all of the information you need to make accurate decisions regarding your insurance.
  • Unwarranted denial of coverage. On occasion, an insurance company will reject your claim for absolutely no reason. They may assume that you do not have enough institutional power behind you to make them accept your claim. At Peters, Habib, McKenna, Juhl-Rhodes & Cardoza, LLP, we will help you fight back and get you the compensation you deserve.

Questions About Insurance Law? Contact Our Chico Insurance Law Attorneys Now

While insurance is designed to protect you during difficult times, there are countless examples of insurance providers negatively affecting their policyholders. Our attorneys represent both sides of insurance litigation. We have a comprehensive understanding of the legal and factual issues that shape insurance matters. Our Chico insurance law attorneys can use this understanding and offer insightful, effective representation to you throughout your insurance claim.

If you are struggling with insurance law and need legal advice, then you should contact Peters, Habib, McKenna, Juhl-Rhodes & Cardoza, LLP today at (530) 342-3593 and schedule a consultation. You can also contact us online and send us an outline of your case. We promise to get back to you as soon as possible and answer all of your questions about insurance law.