Facing Denied Insurance Claims?

If your life, health, disability, or home insurance claim has been unjustly denied, don’t navigate this stressful situation alone. At DL Law Group, we understand how overwhelming it can be when you’ve paid your premiums faithfully, only to be met with silence, delay, or outright denial. Our San Francisco-based attorneys specialize in insurance bad faith and are dedicated to helping individuals across California hold powerful insurance companies accountable and achieve favorable outcomes. 

Why Choose DL Law Group?

Our team has over 80 years of combined legal experience representing clients against some of the largest insurance providers in the country. We've secured millions in compensation for policyholders who were wrongfully denied the benefits they were promised. Our attorneys are recognized for their aggressive advocacy, personalized attention, and proven track record of success in bad faith insurance litigation. 

If you suspect your insurer is not treating you fairly, please call us today at  415-678-5050 or fill out our online form to schedule a free, no-obligation consultation with one of our experienced attorneys. 

Recognizing Bad Faith

Bad faith occurs when your insurance company fails to act reasonably and fairly in handling your claim. Examples of bad faith actions we frequently see at DL Law Group include: 

• Unjustified denial of a valid claim without a proper explanation 
• Delays in payment or communication 
• Inadequate investigations or failure to consider all evidence 
• Deliberate misinterpretation of policy language to avoid payment 
• Lowball settlement offers that don’t reflect your actual losses 

These tactics aren’t just wrong, they’re often illegal. And you have the right to challenge them. 

Unfair Reasons Insurance Companies Use to Deny Claims 

Unfortunately, many insurance companies rely on loopholes, technicalities, or vague language to deny legitimate claims. We’ve helped clients who were denied benefits for reasons like: 

• Allegedly missing a filing deadline when the delay wasn’t their fault. 
• Claims denied due to pre-existing conditions never disclosed in policy documents. 
• Accusations of fraud or misrepresentation with no supporting evidence. 
• Denials based on incomplete medical records, the insurer never requested properly. 
• Claims were rejected because the insurer claimed specific treatments or damages weren’t “necessary” or “covered”, despite clear policy coverage. 

If you’ve encountered any of these bad faith tactics, DL Law Group can help protect your rights. 

Suing an Insurance Company for Bad Faith

Your ability to sue an insurance company for bad faith depends on your policy specifics and the insurer's actions during the claims process. For policies covered under the Employee Retirement Income Security Act of 1974 (ERISA), often provided by employers, your legal options may be limited. In such cases, our San Francisco ERISA attorneys can guide you to alternative legal routes. If you have a private insurance policy and believe your provider acted in bad faith, you may have grounds for a bad faith claim.

What to Do If Your Insurer Has Acted in Bad Faith

If your insurance company has acted in bad faith:

1. Send a letter to the insurance adjuster and company president.
2. Document and save all correspondence with the insurer.
3. Keep records of conversations, including dates and times.
4. Contact our San Francisco bad faith insurance claim lawyers.

While it's valuable to educate yourself about California insurance laws, these matters are intricate. Having an experienced professional on your side can significantly impact your situation's outcome.

California Insurance Bad Faith Law: You’re Not Powerless 

California law provides robust legal protections against unfair or bad-faith practices. Insurers have a duty of good faith and fair dealing, which means they are legally required to handle your claim with honesty, transparency, and diligence. When they don’t, DL Law Group can help you pursue damages not just for your original claim, but also for the emotional distress and financial losses caused by their misconduct. 

We proudly serve policyholders throughout the Bay Area, including San Francisco, Oakland, Berkeley, Fremont, and surrounding communities. 

Get the Support You Deserve 

If your insurance company is giving you the runaround, it’s time to talk to a team that knows how to fight back. At DL Law Group, we believe you shouldn’t have to battle your insurer during an already difficult time. 

Ready to take action? Call 415-678-5050  or fill out the online form to start with a free consultation. Let us help you hold your insurer accountable and get the benefits you’ve earned.