San Bernardino Insurance Bad Faith Attorney


California’s Department of Insurance has a wide range of regulations in place to protect policyholders but has limited resources to help consumers whose claims are wrongfully denied. When this occurs, most people seek the assistance of a San Bernardino insurance bad faith attorney like me to investigate the situation, advise them of their rights and options under the law and aggressively help them receive the compensation they deserve. When a client has a valid insurance claim, some insurance companies deliberately try to avoid paying the claim to pad their bottom lines and increase their quarterly bonuses. They leave clients on hold for long periods of time, pass them from one representative to another, and hope that they will give up out of exasperation. If anyone or all of those situations sound familiar and you want to explore your legal options, fill out a contact form for a fast reply or call us today to schedule a consultation.

Do you think your insurance company is acting in bad faith by refusing to pay a valid claim? Call us today at 949-438-5829 to schedule a consultation!

A Brief Explanation of California’s Insurance Unfair Practices Act

Insurance Claims LawyerThe problem of insurance companies acting in bad faith or breaching the terms of the contracts they write became so widespread that state legislators wrote Insurance Code 790.03(h) some years back, otherwise known as the Unfair Practices Act. The Act prohibits insurance companies from engaging in many different acts to mislead, defraud or otherwise avoid paying legitimate insurance claims. Some of the actions described in the Act include the following:

  • Failing to acknowledge and react within a reasonable period of time to clients’ questions about insurance claims
  • Purposely misrepresenting the facts of a client’s case or coverage included in his or her policy
  • Failing to adopt and execute reasonable standards for investigating claims promptly
  • Failing to affirm or deny a claim within a reasonable period of time after a claimant has completed and submitted proof of loss requirements

Attempting to settle a claim by a policyholder for less than the amount to which a reasonable person would have believed he or she was entitled by reference to written or printed advertising material accompanying or made part of an application

Directly advising a claimant to not seek the services of an attorney

These are only a few of the many acts explained in the Unfair Practices Act, and they are some of the more common ways that insurance companies will act in bad faith and avoid paying a policyholder’s claim.

Contact a San Bernardino Insurance Bad Faith Lawyer

If you believe that your insurance company is trying to avoid paying a valid claim and you would like to speak with an attorney to learn more about your rights and options under the law, call us at 949-438-5829. We have a proven record of success helping clients seek damages against big insurance companies, and we are not afraid to take them on. If you need an aggressive advocate who will explore every option to help you receive the compensation you deserve, call The Law Offices of Samer Habbas today or fill out the contact form to schedule a consultation. We are on your side!


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Our firm is well experienced in injury matters and we understand the difficult time you are going through. We will guide you through the process and fight for you and your family to get the compensation you deserve.

Samer Habbas