Insurance Companies spend millions of dollars each year on advertisements trying to entice you to purchase their products including:
- Automobile insurance;
- Disability insurance;
- Homeowners/renter’s insurance;
- Life insurance;
- Health insurance;
- Commercial and business insurance; and
- Other miscellaneous insurance policies.
Although there are some reputable insurance companies who provide reasonable resolutions of issues involving the insurance policies they sell; there are many insurance companies who engage in “low-ball” settlements tactics and oftentimes take an adversarial position against their policyholders once a legitimate claim is made.
In California if there exists a “reasonable possibility” that a claim is covered by an insurance policy, the insurance company is legally obligated to pay the claim. However, many insurance companies force the policyholder to prove they are entitled to the benefits for which they have paid. Most insurance companies have “in-house” attorneys who often try to intimidate the insurance policy holders from obtaining the benefits of their insurance policies. In many cases the unsophisticated insurance policy holder will accept an unreasonably low settlement offer because of fear their policy will be canceled, their rates will be raised or letters written by the insurance company’s lawyers intimidates them.
Sean Hennessey has been upholding the rights of insurance policy holders for over 21 years. If you, a family member or loved one has had a valid insurance claim denied, have received a “low-ball” offer, have had payments unreasonably delayed you should IMMEDIATELY call the Law Office of Sean Hennessey.
Sean Hennessey will provide a free consultation to determine if you have been the victim of bad faith insurance company practices. If you have been a victim of bad faith behavior Sean Hennessey will take on the insurance company to assure you receive all the benefits that you are legally entitled.
Below of several notable Insurance Bad Faith cases Sean Hennessey has handled:
1. INSURANCE BAD FAITH: A family was hit by a drunk driver and suffered $38,000 in medical bills. The family made a claim against the driver and owner of the car who hit them. AAA Insurance Company who represented the owner of the car refused to pay for any of the medical bills. RESULT: A jury found AAA acted in Bad Faith by failing to pay the $38,000 in medical bills and assessed Punitive Damages (punishment damages) against AAA in the amount of $1,700,000.
2. INSURANCE BAD FAITH: For 35 years a Medical Doctor paid for a $12,000 Disability Insurance Policy. The Doctor made a claim for the $12,000 in disability benefits after he was diagnosed with “Chronic Fatigue Syndrome.” The Insurance Company refused to pay on the claim because they claimed “Chronic Fatigue Syndrome” was not a real disease and was therefore not covered disability. Sean went through over 10,000 pages of documents provided by the Insurance Company and found a single document which stated “Chronic Fatigue Syndrome” was a real disease and if an insured is diagnosed with the disease they should be paid Disability benefits. RESULT: Several days before the jury trial was to begin the Insurance Company settled for $800,000.