I would not attempt to interpret the contract without seeing the contract. However, home warranty contracts are not considered to be insurance. Therefore, there is no such thing as an action for bad faith against a home warranty company. At most, you could sue for the cost of the repair.... View More

Fred Loya is by far the worst insurance company I have ever dealt with, and I have been practicing law for 35 years. I would not waste my time negotiating with them. Instead, file a small claims court lawsuit against the driver who hit your car (assuming the damages are $10,000 or less). You... View More

If you have collision coverage, make a claim on your own insurance and stop dealing with the other driver's insurer. Your insurer will total the car, pay you the fair market value, and then get the money back from the other driver's insurers including the deductible.

If you do... View More

There are basically two possibilities. One is that there is a legitimate coverage issue that your insurance company is investigating. Usually, when that happens, the insurance company will let you know in writing that there may not be coverage, and therefore it will not pay your claim immediately... View More

If you have uninsured motorist coverage, you may be able to recover medical expenses and pain and sufffering. Otherwise, you are out of luck unless the police catch the hit and run motorist, and he either has insurance or assets or both.

It depends on how much time has passed since you first reported the claim, and whether you have complied with all of the conditions of the policy. Assuming you have done everything right, and more than 40 days have passed, your insurance company is engaging in bad faith. If the value of the claim... View More

Your testimony that your trailer was stolen is evidence that it was, so your insurance company is incorrect. You do have an obligation to file a police report within 24 hours after you discovered the theft, but obviously you cannot report what you don't know about.

It sounds like your... View More

Some doctors do not want to get involved with disability claims, personal injury claims, or litigation and that is there choice. There is nothing you can do about it. Your only alternative is to go to a different doctor.

Its not clear what you are asking. Your insurance company has a duty to defend (retain a lawyer on your behalf) and indemnify you (pay any settlement or judgment up to the policy limit). If your insurance company is disputing coverage, you need an attorney who specializes in handling insurance... View More

I agree with you. Its not betterment. A catalytic converter does not depreciate because the useful life is essentially as long as the useful life of the car. Do you have anything in writing from the insurance company taking this position?

One approach would be sue the insurance company... View More

Fences are always considered to be other structures. I don't know of any California cases that hold differently, and I suspect that the Texas case you cited has some unusual nuance to it that led to that result. Given that this fire occurred over five years ago, its hard to see how you could... View More

I cannot tell you whether your home warranty should have covered the problem without looking at the contract. However, you definitely have a potential case against the seller. The issue with the seller would be proving that he or she had knowledge of the leak. If there are is evidence of... View More

These time limits you speak of (California Code of Regulations section 2695.7 do not apply to third party claims. The at-fault party's insurance company can simply refuse to pay. If that happens, your only recourse would be to sue the at-fault party. This is why it is almost always a... View More

Unfortunately, automobile warranties are not considered insurance and there is no way to sue the warranty company for bad faith. At most, you have a breach of contract claim worth $731. Give the warranty company a reasonable chance to authorize the repair. If they do not, your best bet would be... View More

You need an insurance coverage lawyer. You did not supply enough detail to get into the specifics of your case, but it sounds like you might have recourse against the insurance company if it paid out based on a forged document and you did not get the money.

Whether or not you have a bad faith case against your insurance company comes down to a lot of details you did not provide. If you do have a case, you should be able to recover the entire rental car costs (not just the 90 days) plus other damages including financial damage, emotional distress,... View More

I would have sued both of them in the same case, and if they wanted to blame each other -- let them. They are both responsible for what happened. As far as you're concerned, it does not matter how you allocate the loss.

Both the mitigation company and the insurance company are responsible. The mitigation company because they should have known not to leave appliances wrapped in plastic in your backyard. Thus, they negligently caused the property damage. The insurance company has a duty under the insurance... View More

I suspect there is more to the story, but basically you have probably have an insurance bad faith claim against the insurance company, not the agent. I would contact the adjuster and/or the adjuster's supervisor and find out why they have not settled your claim. Sometimes, the resolution of... View More

What is your question? If you are asking if you have a case, I would need the entire story. Failure to investigate, by itself does not make for a bad faith case. There has to be damages caused by the insurance company's unreasonable claims handling.