California Insurance Code 790.03

California Insurance Bad Faith Hub

Your insurer denied, delayed, or underpaid your claim? California law protects you. Use our calculators to quantify your damages and generate professional demand letters.

40
Day Response Rule
15%
Penalty Interest
2x-3x
Bad Faith Damages
4 yr
Statute of Limitations
!
Bad Faith Alert
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Insurance Damage Calculators

Calculate exactly what your insurer owes you under California law

Delay Penalty Calculator

Calculate penalties for late claim payments under Cal. Ins. Code 790.03

Total Damages Owed
$0
Original Claim Amount $0
Days Delayed (past 40-day rule) 0 days
Penalty Interest (15% annual) $0
Estimated Bad Faith (if applicable) $0

Bad Faith Damages Estimator

Estimate potential damages for insurance bad faith under Brandt fees + emotional distress

Estimated Total Recovery
$0
Policy Benefits $0
Brandt Fees (attorney recovery) $0
Emotional Distress $0
Punitive Damages (if egregious) $0
Know Your Deadlines

California Insurance Claim Timeline

Critical deadlines under California Code of Regulations 2695.7

1
Day 0
Claim Filed
You submit your insurance claim. Clock starts ticking.
2
Day 15
Acknowledgment Required
Insurer must acknowledge receipt of your claim in writing.
CCR 2695.5(e)
3
Day 40
Decision Deadline
Insurer must accept or deny your claim. Failure triggers bad faith liability.
CCR 2695.7(b)
4
Day 70
Payment Deadline
Payment must be made within 30 days of acceptance. 15% penalty interest accrues after.
Ins. Code 10111.2
5
Beyond Day 70
Bad Faith Territory
Unreasonable delays = bad faith claim. Emotional distress + punitive damages possible.
Ins. Code 790.03(h)

Insurance Demand Letter Generator

Create a professional demand letter citing California insurance law

What type of claim issue do you have?

Your Information

Insurance Company Details

Describe What Happened

❌
Claim Denials
When your insurer wrongfully refuses to pay
Popular Generator
General Claim Denial
Demand letter for wrongful denial of any insurance claim. Cites Insurance Code 790.03(h) unfair practices.
Ins. Code 790.03(h)(5)
Generator
Life Insurance Denial
For denied life insurance or AD&D claims. Covers contestability period issues and beneficiary disputes.
Ins. Code 10113.5
Generator
UM/UIM Denial
Uninsured/underinsured motorist claim denial. Your own insurer must pay when the at-fault driver can't.
Ins. Code 11580.2
Health Insurance Denial
Coverage disputes, prior authorization denials, and emergency service denials under Knox-Keene Act.
Health & Safety Code 1371.4
⏳
Payment Delays
When your insurer drags their feet
Popular Generator
Delayed Payment Demand
For claims accepted but not paid. After 30 days from acceptance, 15% penalty interest accrues automatically.
CCR 2695.7(b) + Ins. Code 10111.2
Generator
Inadequate Investigation
Insurer failed to properly investigate within 40 days. Demand proper investigation and decision.
CCR 2695.7(d)
Reservation of Rights Response
Respond to insurer's reservation of rights letter. Protect your coverage while claim is investigated.
San Diego Navy FCU v. Cumis
⚠
Bad Faith Claims
When insurer conduct crosses the line
Popular Generator
Bad Faith Demand Letter
Comprehensive bad faith demand citing all violations. Demands policy benefits + Brandt fees + emotional distress.
Ins. Code 790.03(h) + Brandt v. Superior Court
Generator
Undervalued Claim
Insurer offered far less than your claim is worth. Demand fair valuation with supporting evidence.
Ins. Code 790.03(h)(5)
Policy Interpretation Dispute
Insurer interpreting policy against you. California law: ambiguities favor the insured.
AIU Ins. Co. v. Superior Court
🏠
Property Claims
Homeowners, renters, and business property
Popular Generator
First-Party Property Claim
For homeowners and commercial property claims. Fire, water, theft, vandalism coverage disputes.
CCR 2695.9
Generator
Property Damage Claim
General property damage demand. Covers actual cash value vs. replacement cost disputes.
CCR 2695.9(b)
Homeowners Claim Denial
Denied homeowners claim for covered peril. Addresses exclusion misapplication and coverage gaps.
Ins. Code 10101
Renters Insurance Denial
Personal property claims for renters. Covers theft, fire, water damage to belongings.
CCR 2695.7
Business Property Dispute
Commercial property and business interruption claims. Covers equipment, inventory, lost income.
CCR 2695.9
🚗
Auto Insurance Claims
Collision, comprehensive, and liability coverage
Popular Generator
Auto Bad Faith Demand
For auto insurers acting in bad faith. Covers collision, comprehensive, and liability claims.
Ins. Code 790.03(h)
Policy Limits Demand
Demand full policy limits from at-fault driver's insurer. Creates bad faith exposure for refusal.
Civ. Code 3294
UM/UIM Claims Guide
Complete guide to uninsured/underinsured motorist claims in California. Know your coverage rights.
Ins. Code 11580.2

Don't Let Your Insurer Get Away With Bad Faith

California law provides powerful remedies for insurance abuse. Generate your demand letter now or consult with an insurance attorney.

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