Personal Coverage

Health, Disability or Life Insurance Problems in California

While Callahan & Blaine is best known throughout the state and around the nation for its record of success in complex business litigation, our attorneys apply their knowledge of insurance coverage and liability issues to consumer or family insurance problems as well. If you're having trouble with a claim under a medical, disability or life insurance policy, contact us in Santa Ana.

Our lawyers can review your policy, your claim and the details of your experience with your insurer to determine whether your coverage problem reflects a legitimate difference of opinion as to the validity or value of your claim, or instead appears to be an improper attempt to deny you the benefit of the coverage you've paid for.

Helping the Insured Realize the Full Benefit of Insurance Contract Rights

Callahan & Blaine advises homeowners, drivers, self-employed professionals and others about the best ways to resolve insurance disputes involving both first-party and third-party claims, including:

  • Life insurance benefits
  • Disability insurance claims
  • Health insurance or personal injury protection (PIP) benefits claims
  • Mortgage insurance claims
  • Claims under the uninsured or underinsured motorist provisions of your auto insurance policy
  • Fire, theft, flood or environmental casualty losses under homeowners or business property insurance
  • Insurance rescission or cancellation decisions
  • Liability coverage disputes on claims that should be covered under a homeowners or commercial policy for a small business or professional practice

Insurance companies doing business in California are required to deal fairly with the insured. This normally means prompt investigation of a claim, reasonable interpretation of policy exclusions and conditions, fair settlement at the documented value of a claim, and a clear explanation of the reasons why a claim is denied or needs further investigation. Any violation could lead to a claim of bad faith or unfair settlement practices.

We can also protect you from insurance tactics that effectively reduce the value of the insurance otherwise available to cover a given loss. For example, your medical insurer might be tempted to avoid payment on the treatment expenses associated with car accident injuries until you agree to assign subrogation rights against the other driver's insurer. This would effectively let your insurer recover its payments from coverage that you should be able to reach first.

Sound Advice for the Insured in Orange County and Southern California

Our experience with the litigation of bad faith insurance practices on all kinds of coverage gives you the leverage you need to hold your insurer to its commitment. For more information about your rights under an auto, homeowners, disability or life insurance policy, contact Callahan & Blaine in Santa Ana.