Bad Faith Calculators
Calculate claim value, bad faith damages, and interest owed
Insurance Claim Calculator
Calculate total value of your property/casualty insurance claim
Bad Faith Damages Calculator
Estimate potential damages in a bad faith lawsuit
Delay Interest Calculator
Calculate interest owed for delayed claim payment
Deadline Violation Checker
Check if insurer violated California timing requirements
California Insurance Deadlines
Insurers must meet these regulatory deadlines under CA Code of Regulations Title 10
15 Days - Acknowledge Claim
- Insurer must acknowledge receipt of claim within 15 days
- Must be in writing
- Must provide claim number
- Must identify adjuster assigned
40 Days - Accept or Deny
- Must accept or deny claim within 40 days
- If denied, must explain reasons in writing
- Must cite policy provisions for denial
- Can extend with good cause and written notice
30 Days - Pay Claim
- Must pay within 30 days of acceptance
- Partial payments must be made promptly
- Cannot delay payment while investigating disputed portions
- Interest accrues after 30 days
LA Wildfire Claims Alert (Active)
- LA wildfire claims (Jan 2025): 16,000+ structures destroyed. FAIR Plan and insurer underpayment lawsuits filed.
- Commissioner Lara ordered moratorium on policy cancellations in fire zones through Jan 2027
- State Farm, Allstate, and other major carriers withdrew from CA market -- FAIR Plan now insurer of last resort for millions
- Wildfire victims: document all losses immediately and do not accept first offers without independent appraisal
Insurance Dispute Response Generator
Generate professional responses to unfair insurance practices
Select the issue to generate your response:
Insurer denied your claim without proper justification
Insurer offered less than your claim is worth
Insurer is taking too long to process your claim
Insurer demanding unreasonable documentation
Insurer sent a reservation of rights letter
Formal complaint to California DOI
Dispute underpayment of Palisades/Eaton wildfire claim (Jan 2025)
Enter your details:
Insurance Demand Letters
Generate formal demand letters for insurance disputes
Your California Insurance Rights
Key protections under California Insurance Code and Fair Claims Regulations
Insurance Code 790.03
- Prohibits unfair claims practices
- Must not misrepresent policy coverage
- Cannot fail to acknowledge claims promptly
- Must attempt fair settlement when liability is clear
Bad Faith Indicators
- Denying claim without investigation
- Lowballing without explanation
- Unreasonable delays
- Misrepresenting policy terms
- Forcing litigation for valid claims
Recoverable Damages
- Contract: Full policy benefits owed
- Consequential: Expenses caused by delay
- Emotional: Mental distress damages
- Punitive: For malicious conduct
- Attorney fees: Under Brandt v. Superior Court
LA Wildfire Claims Crisis (Jan 2025)
- Palisades & Eaton fires: 16,000+ structures destroyed, $30B+ in insured losses
- FAIR Plan lawsuits: Policyholders suing FAIR Plan for systematic underpayment of wildfire claims
- USAA class action: Class action filed against USAA for lowball settlement offers to wildfire victims
- Commissioner Lara moratorium: Ordered insurers not to cancel policies in fire zones through Jan 2027
- Market withdrawal: State Farm, Allstate, and other major carriers withdrew from CA market before fires -- FAIR Plan now insurer of last resort for millions
Need Help Fighting Insurance Bad Faith?
Our California insurance bad faith attorneys can evaluate your case for free. We work on contingency - no fee unless we win.
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