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California Insurance Bad Faith Questions & Answers
1 Answer | Asked in Civil Litigation and Insurance Bad Faith for California on
Q: I need a litigation lawyer to collect from an insurance Co. for several issues in the process. The policy is open

and the burden of proves are in my favor, but i am acting pro per and get into my level of incapacity or close.ALFONSO MORAN amoran_2000@yahoo.com

William John Light
William John Light answered on Feb 11, 2020

It is unethical for attorneys to solicit your business by responding to your post. Please consider searching for "bad faith" attorneys, or even personal injury attorneys, and consulting with one or more to learn about your possible case.

2 Answers | Asked in Car Accidents and Insurance Bad Faith for California on
Q: Can car dealerships park their cars (say, 100) in private garages used for businesses? What if the damage your car?

There's a "Karen" in my office who thinks her car was damaged by a car that a dealership has parked in our work garage. They have around a 100 cars in there that they just move around from floor to floor once a week. She thinks it's illegal for them to use garage and that they are hiding the cars... Read more »

Dale S. Gribow
Dale S. Gribow answered on Feb 6, 2020

more info needed.

you need more than "think" someone damaged your car.

I would bet there is a city ordinance/law precluding this.

contact your city council for an opinion........if you make enough noise the owner of the building may put their foot down too.

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1 Answer | Asked in Federal Crimes, Insurance Bad Faith, Internet Law and Sexual Harassment for California on
Q: 3 of us are being sued into silence for posting a man's misognistyic words publicly online. What can we do?

3 women are being sued into silence for posting a man's misognistic conversation publicly online when he basically openly says its ok to sexually harass women instead of giving them promotions. He has filed a restraining order against them, even though they haven't publicly talked about it since... Read more »

Neil Pedersen
Neil Pedersen answered on Dec 25, 2019

Unfortunately this is not the place to solicit an attorney to work for you. You need to immediately locate and retain an attorney to defend yourself against these claims. Any delay in doing so might result in a default being taken against you and you will be prohibited from putting up a defense... Read more »

2 Answers | Asked in Insurance Bad Faith and Small Claims for California on
Q: Is it too late for me to hire a Personal Injury Attorney to negotiate my claim with insurance co.?

I was rear-ended in a car accident where my car suffered minimal damage (rear bumper had to get replaced) but my injuries were still significant (severe whiplash). Ultimately I was treated 23 times (19 PT sessions and 4 dr visits/urgent care). The claims adjuster does not believe my 19 PT sessions... Read more »

Alexander Bakhache Perez
Alexander Bakhache Perez answered on Nov 30, 2019

Is it even worth it is the question, the costs are going to be more than the case is worth at this time.

Do the small claims case on your own if you wish or just settle and offer the doctor half his bill and show him what is the offer.

Delay in treatment and not going the urgent...
Read more »

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1 Answer | Asked in Collections, Health Care Law, Insurance Bad Faith and Insurance Defense for California on
Q: I have been wrongfully charged twice for medical visits and it has caused me a world of trouble, what to do?

I have now been wrongfully charged by a medical department through county services claiming I did not have adequate insurance coverage at the time to cover the expenses incurred.

I have tried unsuccessfully, now this second time around, to explain to them that I did in fact have coverage... Read more »

William John Light
William John Light answered on Nov 25, 2019

You may have claims for violations of the California Fair Debt Collections Practices Act. Contact an attorney to evaluate your potential claims.

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for California on
Q: Insurance company revoked my contract after a small accident, what can i do? More details below.

I had a small car accident a few weeks after getting car insurance. When i did the claim my insurance decided to revoke my contract and cancel my policy. Therefore making it seem like i was uninsured. Me and the other driver agreed for me to pay half of her deductible ($250) to settle it. But now... Read more »

Tim Akpinar
Tim Akpinar answered on Nov 21, 2019

Without seeing your insurance company's correspondence, your application, accident documentation, one can only guess what is happening here. It might be that the other driver wanted to be nice and handle the matter as a first-party claim, after which her carrier's subrogation department got... Read more »

1 Answer | Asked in Insurance Bad Faith for California on
Q: What should I do that my life insurance company didn't send me a check of money after I call to cancel my policy?

I had been continually paying my life insurance premium for more than 16 years before i called to cancel (surrender policy). I was told that the insurance company should have given me some kind of money in return after 16 more years of payment, but nothing happen!

William John Light
William John Light answered on Sep 8, 2019

Call customer service and find out whether you are entitled to payment and, if so, when it will be made.

2 Answers | Asked in Contracts, Insurance Bad Faith, Insurance Defense and Car Accidents for California on
Q: Can a auto insurance company hold your salvage title hostage?

I was in an auto accident 7/5/19 by someone who has Alliance United car insurance. They have 798 reviews on Yelp with 1 star. They totaled my 06 Acura TL that had little damage to its front end. The guy policy limit was $5000 and my car value was $7,800. I decided not to sue and told them to send... Read more »

William John Light
William John Light answered on Sep 4, 2019

To determine if your car is a Total Loss, you must follow the Total Loss Formula.

Total Loss Formula (in California) is Cost of Repairs + Salvage Value ≥ Actual Cash Value.

Salvage value is typically 25% of the Actual Cash Value (but each insurance company uses its own percentage,...
Read more »

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2 Answers | Asked in Personal Injury, Workers' Compensation and Insurance Bad Faith for California on
Q: Can I sue worker compensation for the two years of lost pay, they had me wait before agreeing to pay for the care needed

Long story short at work I ended up with carpal tunnel in both wrists. Got to the point where I was waking up at night in tears do to the pain. I at first tried to use my own personal doctor but my work did like the way it looked with braces on both arms and required me to go through Workman... Read more »

William John Light
William John Light answered on Aug 29, 2019

A workers compensation attorney.

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1 Answer | Asked in Contracts and Insurance Bad Faith for California on
Q: Can a public insurance adjuster force you to terminate a contact for their services?

3 weeks of stalls and setbacks, then abruptly tells us to go away. I have a signed contract but they will not fulfill terms and now are trying to force me to sign a termination release. Is this legal.....(never mind unethical)

William John Light
William John Light answered on Aug 16, 2019

It's not illegal in the sense that no crime has been committed. Whether or or not it breaches your contract depends on what the contract says about termination. You might have a claim for specific performance or breach of contract. You might not.

4 Answers | Asked in Car Accidents, Health Care Law, Insurance Bad Faith and Personal Injury for California on
Q: Can a car insurance bodily injury rep get my Medi-Cal info from hospital billing department?

I was in a car accident 4 weeks ago, the insured of the other car accepted liability. I have a Stanford Hospital bill of $15,574 and I was unaware that I had state health insurance that will cover emergency room visits. My health insurance provider name and group/member number was not listed... Read more »

Theodore Allan Greene
Theodore Allan Greene answered on Aug 5, 2019

It's hard to answer your question without more information but I can tell you that insurance companies do all they can to minimize how much they pay to people their clients (insured) injury with negligent driving. The health care provider will say that they haven't divulged any of your "medical"... Read more »

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1 Answer | Asked in Car Accidents, Health Care Law and Insurance Bad Faith for California on
Q: Can a car insurance bodily injury rep get my Medi-Cal info from hospital billing department?

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Alexander Bakhache Perez
Alexander Bakhache Perez answered on Aug 5, 2019

Really need an attorney to guide you in this, you do not want to be stuck with medical bills, this is not a small case.

under Third Party Liability you will have to pay back your medical insurance company.

do not trust the BI Rep to advocate for you, all the rep wants is for you to...
Read more »

1 Answer | Asked in Insurance Bad Faith for California on
Q: Insurance Carrier files an Application for Adjudication of Claim. What establishes "Material Misrepresentations?”

When the Insurance Carrier files a Declaration Under Labor Code Section 4906(h) with the WCAB under “penalty of perjury”, what establishes "Material Misrepresentations?"When would such application be considered defective or void?

The Defendants who filed the adjudication have... Read more »

Ronald Mahurin
Ronald Mahurin answered on Jul 30, 2019

You are focused on the wrong issues. An application is on file. It can be amended at any time within 5 years of the date of injury. Now you have a case number. Defendants are correct in this regard, it doesn't make much difference what is on the application because defendants can always change... Read more »

2 Answers | Asked in Insurance Bad Faith and Insurance Defense for California on
Q: Hello I am looking for an attorney that will help me with a denied claim with my auto insurance company....

After a year long investigation in which we gave them everything they asked for.... They denied the claim.

Gerald Barry Dorfman
Gerald Barry Dorfman answered on Jul 23, 2019

If the claim was for personal injuries (like uninsured motorist), many attorneys will take such a case on contingency. That means they get paid a percentage of what you get from the insurance company. If the claim is for property, it is more likely you will have to hire an attorney on an hourly... Read more »

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1 Answer | Asked in Insurance Bad Faith for California on
Q: I have state fund as my liability insurance carrier. Someone who is not related to my company filed a claim for an

Injury that happened at a job not related to my company. At first the claim was denied and now they are settling with the person. This is ridiculous and I was wondering if I can sue state fund for settling without my consent or knowledge

William John Light
William John Light answered on Jul 19, 2019

The decision to settle belongs entirely to your insurer. You can file a complaint with the adjuster and he SVP of the claims dept. explaining your objection, and you can file a complaint with the insurance commissioner.

Q: Am I entitled to TTD benefits if the QME reported 3X I was TTD and could not return to work under no circumstances?

My employer filed my claim for industrial injury. The QME determined my injury was predominantly industrial on more than one occasion and that I was unable to return to work under no circumstances. This can also be supported by my treating doctors for treatment I recieve on a private basis.... Read more »

Nancy J. Wallace
Nancy J. Wallace answered on Jul 10, 2019

Sadly, a finding by a QME that you are Temporarily Totally Disabled for particular dates may not be enough to require the Adjuster to pay TTD. IF the employer is saying the injury is not industrial and the employer wants a trial to try to prove the QME got it wrong, the adjuster won't pay. If... Read more »

Q: I live in CA. I am not represented. What would be the appropriate DWC forms to address the following?

* FORMS TO FILE PROTECTIVE ORDERS

* SEAL MEDICAL RECORDS

* FORMS TO FILE OBJECTIONS

* FORMS TO FILE SANCTIONS

* INFORMATION ON SUSPENSION OF DEPOSITIONS

* FORMS TO MAKE A REQUEST FOR REIMBURSEMENT FOR MILAGE, EXPENSES, TTD OR PAST DUE WAGES & JOB DISPLACEMENT... Read more »

William John Light
William John Light answered on Jul 8, 2019

Get a workers comp attorney for your case, or pay for a full consultation on how to address the issues you raise. This forum is not for detailed, free advice on how to litigate your case.

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1 Answer | Asked in Insurance Bad Faith for California on
Q: I start a full time job. Trained for a day and didnot show up for work. I didnot put on claim form for ui insurance. Now

Edd found out and had i committed serious criminal fraud

William John Light
William John Light answered on Jul 8, 2019

Hire a criminal defense attorney.

1 Answer | Asked in Contracts, Health Care Law and Insurance Bad Faith for California on
Q: Which attorney or attorney group would be willing to initiate a class action suit against a health care provider?

In August 2018, a health care provider delivered through FedEx, a broken piece of CPAP medical equipment, which I was unable to use for my diagnosed sleep apnea. I was unsuccessful in getting the equipment returned until February 2019. Since November 2018 when I received the first billing... Read more »

Bruce Alexander Minnick
Bruce Alexander Minnick answered on Jun 26, 2019

Regardless of how frustrating and expensive this travail has been for you, it has none of the required legal earmarks to support a simple lawsuit, let alone support a class action. Rather than search for a lawyer or law firm to help you bring fire and brimstone down upon the heads of all the... Read more »

4 Answers | Asked in Personal Injury, Car Accidents, Insurance Bad Faith and Insurance Defense for California on
Q: MR. LIGHT WHAT IF I DIDNT HAVE INSURANCE ON MY CAR AT THAT TIME?
William John Light
William John Light answered on May 18, 2019

Lack of insurance has nothing to do with who is at fault. If the other party is at fault, lack of insurance will only affect your ability to recover pain and suffering damages if you pursue a personal injury claim. You will only be able to recover economic damages (medical expenses, property... Read more »

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