Insurance bad faith lawyer - Arizona, California & Washington
Insurance bad faith is when an insurer unreasonably lowballs, delays, or denies a valid claim. Arizona, California and Washington all let you sue an insurer for bad faith, and the damages can exceed the policy limits. Dom Majors files suit rather than settling cheap.
"We aren't afraid to sue and go after insurance companies for bad faith." Dom Majors represents injury victims and families in Arizona, California and Washington when an insurer will not treat them fairly.
Free case review Call 24/7 (928) 985-8888 WhatsApp iMessage / TextWhat is insurance bad faith?
Every insurance policy includes a duty of good faith and fair dealing. An insurer acts in bad faith when it has no reasonable basis to deny or underpay a claim, or when it handles the claim in a way that puts its own interests ahead of the person it owes. Bad faith can happen with your own policy, such as uninsured or underinsured motorist coverage, or when an at-fault driver's insurer refuses a reasonable offer within policy limits.
What are lowball, delayed and denied claims?
- Lowball offers that ignore medical bills, future care, or lost income
- Delays: unanswered calls, repeated requests for the same records, and stalling until deadlines pass
- Denials without a real investigation or a reasonable basis
- Misrepresenting what the policy covers
- Refusing to settle within limits when liability is clear
What does the insurer owe you?
A prompt and fair investigation, a clear explanation of its decision, payment of what the claim is reasonably worth, and honest communication. When an insurer breaks those duties, you may recover the full value of the claim plus damages caused by the bad faith, and in some cases attorney fees and punitive damages.
How do bad faith claims work in each state?
- Arizona recognizes bad faith as a tort against insurers, including punitive damages for egregious conduct
- California allows bad faith claims for breach of the implied covenant of good faith and fair dealing, and attorney fees to recover policy benefits
- Washington's Insurance Fair Conduct Act (RCW 48.30.015) allows up to triple damages and attorney fees after a 20-day written notice
Does Dom settle cheap?
No. Dom prepares every injury case for trial. When an insurer lowballs, delays, or denies a valid claim, he files suit and builds the record of how the claim was handled, which is often what moves an insurer to pay what the case is worth.
What else do people ask the Dune Lawyer?
How do I know if my insurer is acting in bad faith?
Signs include an offer far below your documented losses, months of delay without explanation, a denial without investigation, or pressure to settle quickly. A lawyer can review the claim file and correspondence.
Can I sue the other driver's insurance company for bad faith?
Usually not directly at first. But if that insurer refuses a reasonable offer within policy limits, the at-fault driver may have a bad faith claim that can be assigned to you after a judgment.
How long do I have to bring a bad faith claim?
It depends on the state and the type of claim, and some deadlines are short. Washington requires a 20-day notice before filing under its Insurance Fair Conduct Act. Talk to a lawyer promptly.
Does it cost anything to have Dom review my claim?
No. The case review is free, and injury cases are handled with no fee until we win.
Which related guides should I read next?
How do I talk to the Dune Lawyer today?
Call (928) 985-8888 24/7, text or WhatsApp (480) 772-0783, or submit your information and Dom will contact you.