to make you whole
In third-party cases, where the insured has potential liability coverage for lawsuits filed by third parties, insurance companies can be liable for bad faith based on an unreasonable refusal to settle, as well as a delayed or unreasonable settlement. An insurer’s unreasonable refusal to defend also constitutes “bad faith”.
Bad faith liability exposes an insurance company to tort damages, in addition to contract damages. Damages that a San Diego insurance bad faith attorney help you potentially recover include emotional distress caused by the insurer’s conduct, as well as punitive damages. In addition, an insured can recover attorney’s fees (Brandt fees) incurred to obtain policy benefits that were wrongfully and unreasonably denied by the insurer.