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California Insurance Bad Faith Questions & Answers
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...
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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: 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.

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 »

Dale S. Gribow
Dale S. Gribow answered on Jul 7, 2019

MORE INFO NEEDED.

YOU ARE ASKING THIS QUESTION IN A CRIMINAL LAW FORUM.

IT SOUNDS LIKE A WORKERS COMP MATTER AND MOST LAWYERS THAT HANDLE WC WILL GIVE YOU A FREE CONSULTATION.

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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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3 Answers | Asked in Insurance Bad Faith, Insurance Defense, Business Law and Car Accidents for California on
Q: WHERE CAN I FIND AN ATTY. FOR WHAT I BELIEVE IS INSURANCE FRAUD?

This young guy hit my car CLEARLY at fault & admitted it. the insurance paper showed his policy had expired He told me that he would talk to his mother to get my car fixed. His mom is an insurance agent. the calls that were supposedly from a claim adjuster were not the # was from his moms office... Read more »

William John Light
William John Light answered on May 18, 2019

Unclear if you are injured from a collision or just want property damage repaired. The remedy for establishing who is at fault in a collision is a lawsuit. If you want your property damage repaired, file in Small Claims. Bring photos of the damage, and of the scene. Bring copies of the... Read more »

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2 Answers | Asked in Health Care Law, Insurance Bad Faith and Medical Malpractice for California on
Q: its regarding patient care , hospital already compensating for property being lost, but can i go with medical claim too

passed away person phone is at hand with sighs of unfair treatment

William John Light
William John Light answered on May 14, 2019

There aren't any facts in your post to evaluate whether a malpractice claim is even possible. You will need to contact a malpractice attorney to discuss this in detail. Such claims cannot be evaluated over the internet.

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2 Answers | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for California on
Q: Guy cut me off while turning into driveway which caused me to fall and hit his car, driver made false insurance claim

Drive told Insurance that I hit his car while he was parked, I have witnesses that say otherwise, only thing is I have no bike insurance for bike nor a bike license, as I've owned it for a month, does this hurt me or what would happen?

In Barstow, California

William John Light
William John Light answered on May 13, 2019

If you are hurt, contact a personal injury attorney to pursue a claim on your behalf. Since you were uninsured, you can only recover your economic damages - no pain and suffering.

If you have property damage only, file suit in Small Claims court. Bring your witnesses and...
Read more »

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1 Answer | Asked in Insurance Bad Faith and Insurance Defense for California on
Q: Under Insurance contracts required to conform to cal statues change insurance contract exclusion provision of ownership

Are Insurance contract, that state "all provisions of this contract amend to conform with statues of the state", and used an exclusions of "actual or beneficial ownership" to deny coverage, changed under cal statuary laws that define the transfer of the actual or beneficial owner as outlined under... Read more »

William John Light
William John Light answered on Apr 10, 2019

No one can answer without reading the policy, knowing the facts underlying the claim, and reading the declination letter from the insurer. However, "actual ownership" under the meaning of the policy is probably the meaning set forth in Vehicle Code 5600(a).

A beneficial owner is occurs...
Read more »

1 Answer | Asked in Insurance Bad Faith for California on
Q: Filed a claim for MRSA 2011 that was approved, then 2014, 3 surgeries to save my arm from MRSA , denied my open claim

I filed a claim which was accepted. The MRSA continued, and I was treated for numerous infections until 3/2014, when I was hospitalized with MRSA SEPSIS. Hospitalized for 3 1/2 weeks in ICU, recovering from 3 emergency surgeries to save my infected arm. I reported my condition to my employer,... Read more »

Louis George Fazzi
Louis George Fazzi answered on Apr 6, 2019

You need a worker's compensation attorney immediately. You should have no problem finding one near your work.

1 Answer | Asked in Arbitration / Mediation Law, Civil Litigation and Insurance Bad Faith for California on
Q: I filed for a default judgement and was denied now it says demurrer motion to strike (twice) on minutes

I filed for default judgement the judgement was denied but the default was entered now on the minutes it says demurrer motion to strike is that from the defendents since it's on there twice what do I do still turn the new judgement or now fight the demurrer motion to strike how could they still... Read more »

William John Light
William John Light answered on Mar 23, 2019

If the Default was entered, the Defendants couldn't file a Demurrer/Motion to Strike. I doubt that the Default was entered. You will probably need to Oppose the Demurrer/Motion to Strike.

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