Quick Answer: A denial is not final. Insurance companies deny claims for many reasons — and many denials are reversed or negotiated after an attorney gets involved. You have the right to appeal, demand a written explanation, and file a bad faith complaint with the California Department of Insurance.
Common reasons for denial — disputed liability, alleged policy exclusions, missed deadlines, or claimed lack of coverage — are frequently challengeable. California's Bad Faith Insurance Law (Cal. Ins. Code §790.03) prohibits insurers from unreasonably denying valid claims. Gonzales Law has reversed hundreds of denials and forced insurers to pay fair settlements.
What are the most common reasons insurance denies a car accident claim?
Disputed fault, late reporting, alleged policy lapses, 'no coverage' claims, or alleged pre-existing conditions. Many are challengeable.
How long do I have to appeal a denial in California?
Generally you have up to 2 years from the accident to file suit (CCP §335.1). Don't delay — evidence and witnesses fade.
What is insurance bad faith in California?
When an insurer unreasonably denies, delays, or underpays a valid claim. You can sue for the original damages plus additional damages for bad faith conduct.
Can an attorney really reverse a denial?
Very often yes. A formal attorney letter signals you're serious. Many denials are reversed when the insurer realizes the claimant has legal representation.
Inland Empire clients from Fontana, San Bernardino, Ontario, Riverside, and all surrounding cities — call 909-587-6336 if your claim was denied. Free review, no fees unless we win.