Sacramento Insurance Lawyers
Insurance disputes disrupt lives and businesses. Whether the issue involves denied claims, policy interpretation or unfair treatment, it is wise to get guidance from an insurance attorney. Working with an experienced insurance lawyer helps ensure your rights are protected and your case is handled with the care it deserves.
At The Lesser Law Group, PC, our team brings decades of combined experience to California clients in Sacramento as well as in San Rafael and the Bay Area. Our founder, attorney Don Lesser, began his career in 1983, representing insurance companies in coverage and bad faith lawsuits. That background gives us a unique understanding of how insurers operate, which we now use to fight for policyholders, reinsurers, brokers, agents, adjusters and administrators.
What Are The Common Sacramento Insurance Law Issues We Handle?
Insurance disputes come in many forms. Our team specializes in claim disputes involving a wide range of commercial insurance policies including general liability, professional (E&O) liability, employment practices liability, products liability, directors’ & officers,’ products liability, commercial property and commercial crime coverages. Our clients include the Fortune 500, middle market companies, and small businesses across a wide range of industries from technology firms to health care providers to agricultural enterprises. Some of the most common cases we see in Sacramento and the Bay Area include:
Denied and Underpaid Insurance Claims
Denied or underpaid claims occur when an insurance company refuses to pay for losses covered under a policy. These denials can arise from lawsuits the insurer refuses to defend or settle, from damage to or loss of the company’s property, equipment, data, products, intellectual property or financial assets, or from interruption of the company’s operations. In California, insurers must respond to claims promptly, conduct a thorough, fair and unbiased investigation intended to find any available coverage, and settle claims fairly and in compliance with the policy terms.
Our attorneys carefully review the client’s available policies, gather supporting evidence and pursue all available coverage through negotiations or, if necessary, legal action.
Bad Faith Practices
Bad faith practices occur when insurers delay processing claims, fail to conduct a prompt, thorough and fair investigation, provide misleading information, or deny or underpay claims without good cause. Such misconduct can compound the challenges clients face after a loss. California law offers powerful protections against this behavior. If an insurer breaches the “implied covenant of good faith and fair dealing,” the insured may be entitled to recover compensation beyond what the original policy provides, including damages for resulting business losses, emotional distress (for individuals), attorney’s fees and punitive damages designed to punish the insurer.
We represent policyholders in cases involving the insurer’s failure to defend and settle liability claims, delayed payments, unfair claim denials, low ball settlement offers, misrepresentation of coverage and policy rescissions.
Coverage Disputes
Insurance policies often contain complex language and lengthy provisions which that can lead to disputes over what is actually covered. Policy interpretation issues frequently appear in claims involving policies written for companies, medical, legal, accounting and other professional practices, and homeowners associations and other non-profit entities. California’s laws regarding interpretation of insurance policies favor the policyholder when policy language is ambiguous or unclear.
Our attorneys analyze policy terms, identify ambiguities and advocate for clients when insurers attempt to limit or deny coverage based on improper interpretations of policy terms. Helping ensure a clear understanding of coverage protects clients from unfair denials and unexpected financial exposure.
Policy Rescissions
Insurers sometimes try to rescind an insurance policy when they claim the policyholder made misrepresentations when applying for the coverage. A rescission treats the policy as if it were never issued, which means there will be no coverage for any claim to which the policy would have applied otherwise, including pending claims. California law can favor the insurer in some rescission disputes, which makes it even more important for a company applying for insurance to ensure the application is completely accurate and discloses all required information.
Our legal team can help insurance applicants with the application process on the front end, and represent policyholders in the unfortunate event they face an attempted rescission after the policy is issued.
Finding Our Sacramento Insurance Law Office
Our Sacramento office is conveniently located for individuals and businesses throughout the city and nearby communities, about 6.5 miles east of the state capitol. We are just across the river from California State University, Sacramento, via the J Street Bridge to Fair Oaks Boulevard. Our office is also easily accessible from the El Dorado Freeway/US Route 50 via Howe Avenue.
Whether you are seeking a lawyer for personal coverage issues or a business-related insurance matter, we are accessible and committed to meeting your legal needs. We also serve clients from offices in San Rafael and downtown San Francisco.
Local Courts And Landmarks In Sacramento
For clients in Sacramento, key legal venues include the U.S. District Court for the Eastern District of California, where many commercial insurance disputes are decided, and the Sacramento County Superior Court, which also handles insurance disputes involving carriers located in California. Our attorneys are very familiar with these courts, helping clients manage litigation efficiently.
Sacramento also features landmarks like:
- The California State Capitol and Capitol Park
- Old Sacramento Waterfront
- Sutter Health Park, temporary home of the Athletics and permanent home of the Sacramento River Cats minor league team.
- Crocker Art Museum
- Sutter’s Fort State Historic Park
Knowing these local sites helps clients navigate the city for consultations or court appearances, making their experience smoother while we focus on managing the legal complexities of insurance law.
Protect Your Rights With A Sacramento Insurance Lawyer
If you are facing challenges with your coverage in Sacramento, we encourage you to contact The Lesser Law Group, PC for help. Our attorneys are here to provide strong representation and help ensure your rights are upheld.
Call 415-460-7754 today to schedule a consultation with an experienced insurance lawyer.
The Lesser Law Group, PC
333 University Avenue
Suite 200
Sacramento, CA 95825
Phone: 916-964-5596