What Is Insurance Bad Faith?

Insurance companies have a legal duty to treat policyholders fairly, investigate claims promptly, and pay valid claims in good faith. When they fail to do so, they can be held legally liable for bad faith practices.

Examples include:

• Unreasonable Denial of Claims – Denying valid claims without legitimate grounds.

• Delaying Payment – Intentionally stalling payments or investigations to pressure victims into low settlements.

• Misrepresentation of Policy Terms – Misstating coverage limits or exclusions.

• Failure to Investigate Properly – Ignoring medical evidence or eyewitness accounts.

• Lowball Settlement Offers – Offering unfairly small settlements despite clear liability or severe injuries.

• Retaliation or Cancellation – Canceling a policy after a claim is filed or retaliating against the insured.

At Mina Law Group, we’ve seen every bad faith tactic in the book — and we know exactly how to stop them.
We don’t accept excuses, delays, or deception. We force insurance companies to live up to their legal obligations — or face the consequences in court.

Serious Injury Claims and Insurance Abuse

Victims with serious or catastrophic injuries are often targeted by insurers seeking to reduce payouts.
When injuries involve long-term medical care, permanent disability, or loss of earning capacity, the financial stakes are high — and insurers fight aggressively to minimize exposure.

Our firm intervenes to level the playing field. We manage communication, demand transparency, and build the medical and financial evidence that forces insurers to pay fair value.
If they refuse, we take action under California’s Insurance Bad Faith Law (Cal. Ins. Code § 790.03) — allowing recovery for:

• The full value of the claim

• Emotional distress caused by bad faith conduct

• Attorney’s fees

• Punitive damages (to punish and deter bad faith practices)

When insurers cross the line, we make them pay — twice: once for your injury and once for their misconduct.

Examples of Cases We Handle

We represent clients who have faced bad faith conduct in:

• Auto insurance claims after serious car or motorcycle accidents

• Homeowners’ or renters’ insurance claims after injuries on property

• Health insurance denials for necessary treatment or procedures

• Disability insurance denials after documented medical disability

• Commercial or business policies involving liability coverage disputes

• Umbrella and excess liability policies for catastrophic injury cases

Whether the insurer is a national company or a private carrier, Mina Law Group knows how to build leverage through evidence, litigation, and reputation.

Our Proven Approach to Insurance Bad Faith Cases

1. Policy Review & Claim Analysis – We conduct a detailed examination of your insurance policy, claim documents, and all correspondence.

2. Timeline Reconstruction – We track every delay, denial, and misrepresentation to prove systematic misconduct.

3. Expert Testimony – We collaborate with insurance industry experts to demonstrate what a reasonable insurer should have done.

4. Litigation & Settlement Strategy – We pressure insurers through discovery, depositions, and trial preparation to compel fair resolution.

5. Punitive Recovery Pursuit – When misconduct is egregious, we seek punitive damages to send a message — and prevent future abuse.

Our reputation for aggressive litigation often forces insurers to settle before trial — but we are always ready to go the distance if necessary.

Why Serious Injury Victims Are Most at Risk

Insurance companies know that high-value cases — such as those involving spinal injuries, brain damage, amputations, or wrongful death — cost them millions.
They often deploy sophisticated tactics to undervalue these claims, such as:

• Questioning medical necessity of treatment

• Hiring “independent” medical examiners to downplay injuries

• Arguing comparative fault without factual basis

• Exploiting procedural delays to pressure financially strained clients

At Mina Law Group, we dismantle these tactics with evidence, expert testimony, and relentless advocacy.
We ensure that the insurer’s delay or deceit becomes part of your recovery — not your loss.

Damages You May Recover in a Bad Faith Claim

When we prove bad faith, you may recover compensation for:

• The full amount of your original insurance claim

• Emotional distress and mental anguish

• Financial losses caused by the delay or denial

• Attorney’s fees and litigation costs

• Punitive damages to punish and deter future misconduct

Our goal is simple: make you whole — and make them accountable.

Why Choose Mina Law Group

• Extensive Experience in High-Value Claims: We represent victims in serious injury cases where insurance companies refuse to pay fairly.

• Aggressive Negotiation and Trial Advocacy: We don’t back down from large carriers — we expose their tactics and force compliance.

• Strategic Case Building: We combine legal precision with forensic analysis of policy language and timelines.

• Proven Record of Results: We’ve helped clients recover not only policy benefits but substantial punitive awards.

• No Fees Unless We Win: You pay nothing unless we recover for you.

At Mina Law Group, we believe in accountability — and we make sure powerful insurers learn that justice isn’t negotiable.

Take Control of Your Claim Today

If your insurance company has denied, delayed, or devalued your injury claim, don’t face them alone. Their lawyers and adjusters work every day to protect corporate profits — not your rights.
Let Mina Law Group stand between you and their tactics.
🏛️ Mina Law Group — Fighting Insurance Abuse. Restoring Fairness. Delivering Justice.