Los Angeles Insurance Lawyer

California Insurance Law & Insurance Coverage Disputes

There are few among us who do not have some sort of insurance policy, whether it is renters insurance, homeowners insurance, life insurance, auto insurance, or health insurance. In some cases, insurance coverage is even mandated by law. What happens when a dispute arises between a customer and an insurance provider? Strong legal advocacy and protection of your interests are available from a practiced Los Angeles insurance attorney. You do not have to be afraid of your claim being wrongfully denied by an insurance company who is violating contractually obligated coverage for you and your family.

Until 1944, consumers had no protection from insurance disputes through governmental protection or statutes. The McCarran-Ferguson Act, enacted by the U.S. Congress, provides for federal regulation of interstate insurance transactions, and as upheld by the Supreme Court. Unregulated state insurance issues are covered by the protection of the Sherman Act, Clayton Act, and the Federal Trade Commission Act.

The main goal of insurance is to share an individual's risks with a large pool of people. Premiums are paid into this pool and when losses occur, claims are paid out. While insurers are the guardians of these pools, they are ultimately in the business of profit, not of consumer protection. In the instance of a legitimate claim, an insurer must be held liable for the contract they have entered into with a customer. Let a reliable Los Angeles insurance lawyer from our firm fight to protect your rights if your claim has been denied.