!
Close Menu
* Call
* Search
* Menu
We Fight Insurance Companies and Win
213-489-1600
  + 
    - 
* News & Articles
* !
Search
 > Insurance Bad Faith
# Los Angeles Insurance Bad Faith Attorney
## Insurance Claim Denied? Call 213-489-1600
When your insurance company wrongfully denies your insurance claim, this is called “bad faith.” “Insurance bad faith” is a violation of the “implied covenant of good faith and fair dealing.” Your insurance policy is a written agreement – a contract – between you and the insurance company. When the insurance company breaches its agreement and duty to the insured, the insured can sue the insurance company.
## Why Choose Our Insurance Bad Faith Lawyers?
* **40+ Years of Representing California Policyholders**
* **Top-Rated Ethical Standards and Legal Skill (AV Preeminent® Rating)**
* **Free Consultation to Discuss Your Legal Options**
* **Successful Results Against Even the Biggest Insurance Companies**
**Ready to fight back against insurance bad faith? Call 213-489-1600 today.**
## Common Types of Insurance Bad Faith
In healthcare bad faith claims, this failed duty may come in the form of unreasonably delaying payment of a claim, refusing to authorize treatment that should be covered by your policy, or denying your claim without justification. Winning your claim can result in economic and noneconomic damages. Economic damages can be the cost of the medical services denied, lost wages, and attorneys’ fees. Noneconomic damages can be pain and suffering, emotional distress and punitive damages for the insurance company’s misconduct.
***Examples of bad faith include:***
* Denying a claim for profit
* Failure to pay claims
* Delaying payment of claims
* Lack of claim investigation
* Canceling claims
Insurance companies commit wrongful acts because it is beneficial to them, and they prey upon unsuspecting individuals who do not understand their rights. The State of California continually fines insurance companies regularly for wrongful acts and committing violations of California insurance law.
## Know Your Rights As a Policy Holder
Many policyholders do not adequately read through their policy, typically called Evidence of Coverage (EOC), which is provided to them when they first sign up for insurance. These policies are written by insurance company lawyers and most people cannot understand or decipher the EOC. Insurance companies know that these documents are confusing.
Once an insurance company enters into a contract with a policyholder, they must do the following:
* Provide the coverage that is detailed in the contract
* Act in good faith
Violating the rights of the insured is clearly illegal, and a qualified insurance attorney from  can help you seek justice for your case. If you enter into an insurance bad faith lawsuit and your claim is proven, you may be entitled to significant damages and attorney fees.
## What Constitutes Insurance Bad Faith?
Simply put, an insurance company has a duty to act in good faith. This means that they must not evade their obligations to investigate the claim you filed or pay you the compensation you deserve. If they attempt to escape from these responsibilities, it will likely be classified as bad faith.
Some of the reasons that an insurance company can get sued for bad faith include:
* Unwarranted denial of your coverage
* Failure to respond in a timely manner
* Failure to come to a fair and reasonable settlement
* Failure to confirm or deny coverage within a reasonable timeframe
## Our Los Angeles Insurance Attorneys Can Help
Do not let another day pass without seeking legal help from an insurance lawyer. Bad faith is a complicated area of the law. Proving insurance bad faith can be very difficult, which is why you need an assertive legal advocate in your corner.
At Gianelli & Morris, **we have represented policyholders since** **1979**. We have recovered Hundreds of Millions of Dollars. We have extensive experience holding insurance companies accountable for their actions. We offer a free consultation and assist you in determining if you have a valid bad faith case and advise you on how to proceed. We go up against the largest insurance companies to fight on your behalf.
**If you are not receiving money owed to you or are being denied medical services, * at Gianelli & Morris today!***
Share This Page:
Free Consultation
We can Help,
 Contact Us Today!
By submitting this form I acknowledge that contacting Gianelli & Morris, A Law Corporation, through this website does not create an attorney-client relationship, and any information I send is not protected by attorney-client privilege.
protected by reCAPTCHA
 - 
HUNDREDS OF MILLIONS RECOVERED
GALLIMORE
 V. KAISER
$150 MILLION
ESTIMATED PAYOUT OF CLASS ACTION JUDGEMENT:FAILURE TO PROVIDE RECONSTRUCTIVE SURGERY
IORIO V.
 ALLIANZ LIFE
$108 MILLION
SETTLEMENT: SENIORS SOLD DECEPTIVE ANNUITIES
STEPHENS V. AMERICAN EQUITY INVESTMENT LIFE INS. CO.
$47 MILLION
TRIAL & SETTLEMENT: SENIORS SOLD DECEPTIVE ANNUITY POLICIES
LARUE V. ACCOUNTABLE
 HEALTHCARE, IPA
$7.2 MILLION
VERDICT:  FAILURE TO PROVIDE HEALTH PLAN BENEFITS
EVERYBODY WINS: GIANELLI & MORRIS SAYS ITS INSURANCE CLASS ACTIONS HELP BOTH SIDES
Timothy J. Morris first encountered his long-time legal partner Robert S. Gianelli on a Pop Warner football field when the two were 10. “I was the quarterback for the Reseda Rams, and Rob was ... 
LAWSUIT ALLEGES BLUE SHIELD WRONGFULLY DENIES COVERAGE FOR SPINAL TREATMENT PROCEDURE
Gianelli & Morris filed a class-action lawsuit against Blue Shield of California alleging the insurance giant wrongfully issues blanket denials of coverage for using ... 
[Address
12121 Wilshire Blvd, Suite 505, Los Angeles CA 90025
© 2021 - 2025 Gianelli & Morris, A Law Corporation. All rights reserved.
It appears you don't have Adobe Reader or PDF support in this web browser. .
 >  > Long-Term Care Insurance Denials
# Los Angeles Long-Term Care Insurance Lawyer
## Long-Term Care Insurance Claims Attorney
For individuals who are not capable of performing basic everyday tasks such as bathing, changing, or walking on their own, they are often in need of long-term care. There is no specific age range that this type of care is limited to as people of all ages may need constant care if they are struggling with an illness or disorder. Almost 60 percent of people over 65 end up requiring this type of care. In order to make sure that your loved ones are looked after properly, they must obtain long-term care  which falls outside of their typical health insurance. This will cover nursing homes, hospice, assisted living situations and other types of specialized care. For those who do not need this type of living but anticipate necessitating it in the future, it is good to look into it now so that your family will not have to bear the financial burden down the road. Speak to a Los Angeles insurance lawyer from our firm today if you want to begin planning your long-term care.
## Disputed Insurance Claims
If you have experienced a denial of a claim from your insurance provider in regards to long-term care, it can be frustrating. When you want to maintain proper care of your loved ones, the last thing you want to do is battle with their insurer. In some cases, they will try to insist that the individual being looked after does not need as much as care as the claim states. They will try to deny the individual claims or cancel their policy altogether if they believe that the disabled or elderly does not need assistance. Policies may even promise one thing to long-term care participants and then renege on the original contract.
## Disability Insurance Lawyer in Los Angeles
### Individual Disability Insurance Claims – 213-489-1600
You bought disability insurance and paid premiums every month in order to have the peace of mind that you would have income even if you became disabled and unable to work. That peace of mind you thought you purchased turns into a nightmare when you have to fight your disability insurance company to pay the monthly benefits you were counting on. To make matters worse, that fight with the insurance company comes when you are suffering from a sickness or injury, and you may be physically or mentally unable to meet your insurance company demands.
### Why Choose Our Disability Insurance Lawyers?
* **Serving California policyholders for 40+ years**
* **Firm AV® rated for exceptional legal skill and ethical standards**
* **Free case evaluation to review your legal options**
* **Legal victories against even the biggest insurance companies**
**Call (213) 489-1600 to request your FREE consultation with a dedicated disability insurance attorney.**
### Disability Insurance Claim Investigation
Disability insurance companies recognize how vulnerable you are when you are unable to work because of sickness or injury, and when you are in need of disability payments to pay your monthly bills. Insurance companies can either work with you in getting your disability claim paid, or they can treat you as an adversary and challenge the basis of your claim, the opinion of your treating doctor about your inability to work, or even dispute the extent of your disability insurance coverage. While you are too sick or injured to work, your disability insurance company may try to keep you busy full-time by filling out repetitive claim forms, forcing you to get your doctor to fill out long statements about your condition, and generally creating a paperwork roadblock to prevent your monthly receipt of disability benefits that are owed to you.
In order to handle your disability claim in bad faith, an insurance company counts on your inability to keep up with its unreasonable demands about your disability claim, as well as your treating doctor’s busy patient schedule leaving little or no time to fill our repetitive forms. That bad faith practice typically results in the insurance company blaming you for the claim denial because you didn’t provide the required information, even though your insurance company has sufficient information to pay your claim.
### Hire a Los Angeles Insurance Attorney
Experiencing disability is already a traumatizing and frustrating process for any person, even without the added stress of having to fight with an insurance company. When you or a loved one are struggling with filing a claim and having it , do not wait to seek out an attorney. When a disability insurance company has abused the claims process in order to deny a legitimate claim, you need an experienced insurance lawyer to force the insurance company to comply with California law. The Gianelli & Morris legal team is AV ® rated with over 40 years of experience in representing insured people against the bad faith practices of insurance companies. Let us protect your rights so you can move on with your life.  today: Your first visit with us is always free!
**To schedule your complimentary appointment, call (213) 489-1600 today.**
It may feel like it is your word against theirs and that you don’t stand a chance against a large company. This is definitely not true, especially if an attorney from our firm is there to guide you. After being in the business of insurance law since 1979, we are prepared to aid you in any way we can. Both of our attorneys have been **AV® rated** and are skilled at defending clients in a variety of areas. Do not wait until it is too late to receive the compensation you know is rightfully yours. We want to give you the legal representation you deserve.  today to schedule a consultation!
HAVE YOU BEEN DENIED LONG-TERM DISABILITY BENEFITS?
 >  > Unfair Annuity Sales Practice
# Unfair Annuities Attorney
In a deferred annuity, a purchaser deposits premiums and receives a rate of return, the realization of which is deferred until the term of the annuity. At the annuity term, the purchaser has the option of “Annuitizing,” that is, receiving periodic payments at a set interest rate. Surrender charges, which decrease over time, are imposed for early withdrawal. The rate of return is typically guaranteed for the first year, then subject to a minimum guarantee (usually at a much lower rate) over the term of the annuity.
Deferred annuities have been the subject of a number of class action lawsuits because they hide costs that suppress the rate of return over the life of the investment. They also carry onerous surrender charges that are often not disclosed in the required manner. Deferred annuities are often sold with the promise of a “bonus,” extra premium to be added at purchase but which never materializes when the money is ultimately withdrawn.
Gianelli & Morris has been successful in bringing class action lawsuits over unfair annuities, collecting millions of dollars for policyholders. Some of these cases include: *Cheves v. American Investors Life Ins. Co.* San Luis Obispo Superior Court Case No. CV031024; *Peterman v. North American Co. for Life & Health*, Los Angeles Superior Court Case No. BC 357194; *Iorio v. Allianz Life Ins. Co. of N. America* (S.D. Cal.) Case No. 05-CV-0633 IEG.