SIN RECUPERACIÓN NO HAY HONORARIOS
(855) 339-8879
CONSULTA GRATUITA

Por qué las aseguradoras deniegan o rebajan habitualmente las indemnizaciones por accidente de tráfico


Why Insurance Companies Routinely Deny or Lowball Car Accident ClaimsIn 1988, the California Supreme Court decision in the case now famously known as Moradi-Shalal invariably diminished California car accident victim’s rights. The Moradi decision essentially stated that an innocent driver in an automobile accident may not file a lawsuit against the insurer of the at-fault driver. The innocent driver, who is known as the “third party” claimant is barred from suing the insurance company of the at-fault driver, known as the “first party” insured. The Moradi decision essentially overturned a 1979 California Supreme Court decision, known as Royal Globe, which allowed car accident victims to initiate a claim against the another person’s insurance company if the insurance company had engaged in unfair claims and settlement practices. In the legal world, this sort of cause of action is termed as insurance bad faith, and the effects of limiting third party bad faith lawsuits against insurance companies have proven devastating for California consumers. Bad faith is defined as the breach of the implied covenant of good faith and fair dealing found in every contract. It requires that the parties involved deal with each other fairly, honestly, and in good faith. The Moradi decision concluded that no privity existed between the third party claimant and the insurance company, and therefore the third party was barred from filing a lawsuit against the insurance company. However, what the Moradi decision truly accomplished was creating a huge imbalance in the bargaining power between the innocent third party and the insurance company. After 1988, insurance companies were basically allowed to deny or lowball third party claims without the threat of lawsuit or consequence. What effectively happened was that insurance companies frequently started denying claims at will, even in situations where liability was clear. At best, the evil insurance industry adopted a pattern of lowballing claims. That is why accident victims routinely receive settlement offers far below even their own costs. The added leverage acquired by the insurance industry forced many third party claimants to simply give up any battle and simply pay any accident related costs out of their own pockets.  The insurance industry won. And if you think that the 3rd party claimant is the only one suffering, think again. The inability to file suit against an insurance company forces accident victims to file suit directly against the at-fault driver. While the insurance company does have a duty to represent their insured, a lawsuit often causes long and permanent damage to the insured. In situations where the case goes to trial, an action against the insured more likely than not will lead to a judgment which will adversely affect their credit score for up to 10 years. That doesn’t even account for all the time and energy spent on going to depositions, trial, hearings, etc. To make matters worse, insurance companies will regularly ignore their insured’s pleas to settle the case, which is in their best interest. The fact is, insurance companies don’t really care about their clients either. Oh, and if you believe that insurance companies will pass over the money they save from claim payments, think again (I highly doubt that even the most naive among us believe that insurance companies do anything for the interest of the consumer). Insurance premiums have continued to rise, and California consumers continue to pay some of the highest rates in the country. All the Moradi decision did was increase the profits for insurance companies at the expense of the innocent consumer.

Más de $500 millones recuperados
para nuestros clientes

Más información

TÚ te mereces lo mejor
Revisión gratuita de casos 24/7
Usted no paga a menos que ganemos
Llame a 855.385.2529





  • Este campo tiene fines de validación y no debe modificarse.

Al enviar este formulario, usted acepta recibir llamadas telefónicas y mensajes de texto en cualquier momento, que incluyen horas fuera del horario comercial (8:00 am PST - 9:00 pm PST). Esto es para que podamos comunicarnos con usted tan pronto como sea posible con el fin de consultar sobre su caso potencial.

ultimate guide uber lyft accidents

Abogados destacados


farid-medium

Farid Yaghoubtil, Esq.

sal-medium

Salar Hendizadeh, Esq.

Nina Sargsyan, Esq.

dan-medium

Daniel Azizi, Esq.

 

 

Revisión gratuita de casos 24/7
Usted no paga a menos que gane
Llame a 855.385.2529


  • Este campo tiene fines de validación y no debe modificarse.

Al enviar este formulario, usted acepta recibir llamadas telefónicas y mensajes de texto en cualquier momento, que incluyen horas fuera del horario comercial (8:00 am PST - 9:00 pm PST). Esto es para que podamos comunicarnos con usted tan pronto como sea posible con el fin de consultar sobre su caso potencial.

Dirección:

OFICINA DE LOS ANGELES
910 S Broadway, Suite 600
Los Angeles, CA 90016
(855) 339-8879

OFICINA DE LOS ANGELES
4113 Clinton Ave,
Los Angeles, CA 90004
(855) 339-8879

OFICINA DE BAKERSFIELD
2005, Eye Street, Suite 4
Bakersfield, CA 93301
(661) 219-7455

OFICINA DE MODESTO
3430 Tully Road
Modesto, California 95350
(209) 353-4493

OFICINA DEL CONDADO DE ORANGE
2372 Morse Ave.
Irvine, California 92614
(949) 627-8725

OFICINA DE SAN DIEGO
01 West Broadway
San Diego, California 92101
(619) 413-0161

OFICINA DE OXNARD
105 N Oxnard Blvd,
Oxnard, CA 93030
(805) 263-4423

OFICINA DE SAN FRANCISCO
1 Sansome St. Suite 3500-11
San Francisco, California 94104
650-651-5006

OFICINA DE VENTURA
701 E Santa Clara St
Ventura, California 95816
805-292-0367

OFICINA DEL IMPERIO INTERIOR
7121 Magnolia Ave
Riverside, California 92504
909-340-3929

OFICINA DE VICTORVILLE
13782 Bear Valley Rd.
Victorville, California 92392
(760) 563-4384

OFICINA DE FRESNO
5588 N Palm Ave
Fresno, California 93704
(559) 556-0227

OFICINA DE SAN FRANCISCO
388 Market St #1300
San Francisco, California 94111
(415) 362-6079

OFICINA DE SACRAMENTO
1601 Alhambra Blvd
Sacramento, California 95816
(916) 931-1965

OFICINA DE SAN FRANCISCO
1 Sansome St. Suite 3500-11
San Francisco, California 94104
(650) 651-5006

OFICINA DE MIAMI
11900 Biscayne Blvd North
Miami, Florida 33154

OFICINA DE EL PASO
4600 Alabama St #C
El Paso, Texas 79930
(915) 201-3865


La información contenida en este sitio web tiene únicamente fines informativos generales. Nada de lo que aparece en este sitio debe tomarse como asesoramiento jurídico para ningún caso o situación individual. Esta información no pretende crear, y su recepción o visualización no constituye, una relación abogado-cliente.
Síguenos