The insurance company must give a reason for denying, reducing or terminating your insurance claim. In our experience, claimants are commonly – and incorrectly – told that their policy does not cover such and such. That interpretation may be true in other states where they do business, but insurers must apply the law where the claim is made. California law may override the policy language and require that the event be covered.

This is one example of an insurance coverage dispute, and a prime example of how an experienced lawyer can get action and results where the typical individual would get the runaround. The attorneys of Guenard & Bozarth regularly resolve cases out of court, in part because of our demonstrated successes in obtaining verdicts for insurance bad faith. Insurers know that it may be more cost-effective to settle the claim than face us at trial.

Insurance companies want to settle your claim, but they want to do so as profitably as they can. There may be valid questions of what is covered and where their obligation starts and stops.

Our attorneys will examine the fine print of your policy to determine where you stand and whether to pursue the claim. We have handled all types of coverage disputes, including:

  • Storm damage claims, including water intrusion and wind damage
  • Fire loss claims, including smoke damage and smoke inhalation injury
  • Disability insurance, including medical exams and termination of benefits
  • Health insurance claims, including authorization for surgery
  • Life insurance claims, including policy exclusions or cause of death
  • Auto accident claims, including no-fault benefits and uninsured motorist coverage

We can often reach a mutually agreeable settlement through negotiation. Our lawyers also represent policyholders in arbitration and insurance litigation. When insurance companies engage in unfair and deceitful practices, we will pursue damages for bad faith.

We invite you to a free consultation at our offices in Elk Grove or Sacramento. Your case is handled by an experienced attorney, not a paralegal. In most cases, we take no attorney fees unless we are able to secure compensation or benefits on your behalf. Call 916-226-9098 or contact us online.

VEHICLE ACCIDENTS

We will promptly investigate your car, motorcycle or truck crash to pursue maximum damages.

INJURIES ON PROPERTY

If you were injured by someone’s animal or unsafe property, we hold that owner accountable

Wrongful Death

Wrongful death is a legal term referring to a person who is fatally injured as a result of the negligence of another person or entity.

PERSONAL INJURY

We fight back when legitimate claims are unfairly denied by insurance companies.

INSURANCE BAD FAITH

Bad faith litigation is becoming more common as the insurance industry continues to engage in dishonest practices that trample the rights of policyholders.

INSURANCE COMPANIES KNOW US BECAUSE THEY’VE PAID OUR CLIENTS OVER $130 MILLION DOLLARS.

$2.9

MILLION

CAR ACCIDENT INJURY

Guenard & Bozarth llp obtained a $2,962,903 jury verdict in the Sacramento County Superior Court for plaintiff David Schoonover, who suffered head and neck injuries and fractures in a head-on accident on Roseville Road in Roseville on July 22, 2012

$300

THOUSAND

HAIR SALON INJURY

Guenard & Bozarth LLP recently settled a case for $300,000 involving a hair weave that went terribly wrong. Our client was a young lady, and aspiring model, who experienced pressure necrosis from a tight weave and it changed her life.

$500

THOUSAND

SLIP & FALL INJURY

Guenard & Bozarth LLP recently settled a slip and fall case for $500,000 a couple weeks before trial. The client slipped and fell on a wet piece of cardboard in a grocery store and sustained a serious shoulder injury that required surgery.

$300

THOUSAND

NEGLIGENCE INJURY

On February 13, 2013 Maricela, a Certified Nursing Assistant presented to Santa Barbara Cottage Hospital Emergency Room with complaint of neck and back pain. She was diagnosed with a neck strain and was given Ibuprofen and instructed to return if her symptoms did not subside.

YOUR STORY MATTERS TO US

Contact Preferences

How would you like to be contacted? Check all that apply.

This field is for validation purposes and should be left unchanged.
Never in my life did I think I would recommend an attorney. Somehow God sent this angel of an attorney to assist me in my personal injury lawsuit. I was told by lawyers in Bakersfield that my lawsuit was frivolous because there was money in it.

– Bill
Read More

I live in Elk Grove where we don’t always have a lot of choices. Lawyers are one area where we have few good choices. I wanted to work with a local law firm after my motorcycle accident, and I chose Glenn Guenard and Ross Bozarth.

– Lloyd
Read More

My daughter was involved in an automobile accident in an intersection on her 17th birthday. The other person said it was her fault and my daughter said her light was green. I am not the sort of person who sues but my insurance
– Sharon
Read More
Bad faith litigation is becoming more common as the insurance industry continues to engage in dishonest practices that trample the rights of policyholders. Few attorneys handle bad faith lawsuits; these cases are difficult to prove and the insurance companies have their own legal departments devoted to fighting such claims.

At Guenard & Bozarth, we are not intimidated by insurance companies or their defense lawyers. We have prevailed in a wide range of bad faith actions on behalf of homeowners, individuals and businesses throughout Northern California. In many cases of denied insurance claims, our intervention leads to an out-of-court resolution, but our trial lawyers can and do take cases to jury verdict to get results.

When you sign an insurance contract and faithfully pay the premiums, you have an expectation that the insurer will cover your losses when the insured event occurs. Bad faith means that the insurance company has not honored its end of the contract. It is not simply a coverage dispute, but a willful attempt to override a claim made in good faith by you, the policyholder.

Bad faith tactics take many forms such as:

• Denying a valid claim for an invalid reason
• Unreasonable delay in paying a claim
• Denying a claim without even investigating
• Lowballing the claim or paying only partial benefits
• Using biased investigators, medical staff or other parties to decide claims in favor of the insurer

Bad faith litigation involves taking the insurance company to court, when necessary, to compel the insurance company to act legally and in accord with the laws of California and the language of the policy it issued. Many bad faith actions are initiated by government agencies such as a state’s Attorney General Office or Department of Insurance. There will often be a pattern of denying certain types of claims or using the same bad faith tactics across the board.

The insurance companies know our reputation for results. We can often negotiate a settlement of the initial claim that is favorable to our client. If we proceed to trial, a finding of bad faith by a judge or jury may trigger contract damages (the policy limits), attorney fees, damages for emotional distress and possibly punitive damages. In other words, we make insurers pay handsomely for engaging in bad faith practices.

We have offices in Elk Grove and Sacramento. You will speak directly with one of our senior attorneys in your free consultation, and if we take your case, there are no attorney fees unless we recover an insurance payout or bad faith damages. Call our Sacramento insurance bad faith attorneys at 916-226-9098 or contact us online, and we will respond soon.

VEHICLE ACCIDENTS

We will promptly investigate your car, motorcycle or truck crash to pursue maximum damages.

INJURIES ON PROPERTY

If you were injured by someone’s animal or unsafe property, we hold that owner accountable

Wrongful Death

Wrongful death is a legal term referring to a person who is fatally injured as a result of the negligence of another person or entity.

PERSONAL INJURY

We fight back when legitimate claims are unfairly denied by insurance companies.

INSURANCE BAD FAITH

Bad faith litigation is becoming more common as the insurance industry continues to engage in dishonest practices that trample the rights of policyholders.

INSURANCE COMPANIES KNOW US BECAUSE THEY’VE PAID OUR CLIENTS OVER $130 MILLION DOLLARS.

$2.9

MILLION

CAR ACCIDENT INJURY

Guenard & Bozarth llp obtained a $2,962,903 jury verdict in the Sacramento County Superior Court for plaintiff David Schoonover, who suffered head and neck injuries and fractures in a head-on accident on Roseville Road in Roseville on July 22, 2012

$300

THOUSAND

HAIR SALON INJURY

Guenard & Bozarth LLP recently settled a case for $300,000 involving a hair weave that went terribly wrong. Our client was a young lady, and aspiring model, who experienced pressure necrosis from a tight weave and it changed her life.

$500

THOUSAND

SLIP & FALL INJURY

Guenard & Bozarth LLP recently settled a slip and fall case for $500,000 a couple weeks before trial. The client slipped and fell on a wet piece of cardboard in a grocery store and sustained a serious shoulder injury that required surgery.

$300

THOUSAND

NEGLIGENCE INJURY

On February 13, 2013 Maricela, a Certified Nursing Assistant presented to Santa Barbara Cottage Hospital Emergency Room with complaint of neck and back pain. She was diagnosed with a neck strain and was given Ibuprofen and instructed to return if her symptoms did not subside.

YOUR STORY MATTERS TO US

Contact Preferences

How would you like to be contacted? Check all that apply.

This field is for validation purposes and should be left unchanged.
Never in my life did I think I would recommend an attorney. Somehow God sent this angel of an attorney to assist me in my personal injury lawsuit. I was told by lawyers in Bakersfield that my lawsuit was frivolous because there was money in it.

– Bill
Read More

I live in Elk Grove where we don’t always have a lot of choices. Lawyers are one area where we have few good choices. I wanted to work with a local law firm after my motorcycle accident, and I chose Glenn Guenard and Ross Bozarth.

– Lloyd
Read More

My daughter was involved in an automobile accident in an intersection on her 17th birthday. The other person said it was her fault and my daughter said her light was green. I am not the sort of person who sues but my insurance
– Sharon
Read More