Your Insurance Company’s Duties to You


Insurance comes in many forms: life, car, home, health, personal property, and renters, among others. It is a measure of protection in the event of a loss. You pay a premium every month as part of a contractual agreement in order to receive that protection.

The reasons for purchasing insurance vary. Some policies spell out different permissions and restrictions than others. For example, you may be purchasing insurance to protect your family from financial hardship in the event of your untimely passing, or you are protecting yourself from liability if you are at-fault in an automobile accident.

“It is the responsibility of the insurance company to make sure the beneficiary of the policy is paid and you, the insured party, is not open to further risk.”

Most of this is considered common knowledge. However, the full account of duties and responsibilities for insurance companies are far less known. As a result, insurance companies take advantage of many individuals without advising them of their rights. There are expectations you should have as a policyholder. It is the responsibility of the insurance company to make sure the beneficiary of the policy is paid and you, the insured party, are not open to further risk.

At Bergener Mirejovsky, we have extensive experience dealing with insurance companies. We have a thorough understanding of the standards set for such companies for bad faith, or not acting in the best interest of their insured. This allows us to accurately evaluate the merits of any case.

In addition to the duties required of insurance companies by law, California has also implemented a code of regulations that creates guidelines for prompt, fair, and equitable settlements, as well as rules defining what constitutes unfair methods of competition and deceptive business acts.

Our experienced personal injury attorneys can determine if an insurance company has treated you unfairly. If you believe your insurance provider has treated you unfairly, call us 24 hours a day, 7 days a week at 1-800-881-2021.

NO RECOVERY. NO FEE.
That means we charge you nothing unless we reach a successful settlement of your claim. If we don’t get you compensated for your damages, you don’t pay us a dime.
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