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California Bad Faith Insurance Lawsuit Filed

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Yucaipa, CAA California bad faith insurance lawsuit has been filed against an insurance company, alleging the company committed insurance fraud by misleading clients. In addition to health insurance fraud claims, the lawsuit also alleges breach of contract on the part of the insurance company.

The California insurance lawsuit was filed by Norman and Kathleen Carter against HealthMarkets Inc, according to the Los Angeles Times (11/24/12). According to the lawsuit, the couple purchased a healthcare plan with up to $1 million in coverage, to protect them in the case of serious illness. When Kathleen was diagnosed with abdominal cancer, she spent almost a month in the hospital, but received a bill for $140,000. The Los Angeles Times reports that many of the costs associated with Kathleen's care were classified as miscellaneous hospital charges, which had only $18,000 of coverage.

California insurance claims can be complex and tricky to navigate. When claims are denied in situations where the insured has purchased his or her own insurance, a lawsuit can be filed immediately, and that lawsuit can see punitive damages. If the insurance is purchased through the insured's employment, however, it is covered under the Employee Retirement Income Security Act (ERISA), which requires the insured to first file an appeal of the denial with the insurance company itself. That appeal must be filed within 180 days of the denial.

If the appeal is still denied, a lawsuit can be filed but that lawsuit cannot recover punitive damages—only costs associated with medical coverage and attorney's fees can be recovered—and it includes only information contained in the insured's file, making it vital the file has all the relevant information.

Unfortunately, in both insurance that is covered by ERISA and insurance that is not, insurance companies often find arbitrary and illegitimate reasons for denying insurance claims. These can include seeking out errors on the insurance form and using those as a reason to cancel insurance, even if that error had nothing to do with the claim being filed, claiming paperwork was lost or insufficiently filled out or claiming the insured is not disabled, even when there is a doctor's diagnosis available.

In both cases, however, a simple ndenial is not the final word on the matter. Either a California insurance lawsuit can be filed right away or an appeal can be filed and, if that appeal fails, a lawsuit can follow. In cases where insurance companies allegedly carry out bad faith insurance practices, a lawsuit may be the only way to ensure medical expenses are covered.


California Bad Faith Insurance Legal Help

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I need help to file a lawsuit against US fire insurance company workercompensation for conspiracy multiple medical fraud, conspiracy multiple plan attempted murder like an accident, Hospital negligence and other criminal incidents. I have multiple accidents and multiple injuries on upper abdomen internal bleeding, thoracic ribcage internal bleeding, left knee and back spine. I have multiple body injury need to get surgery on upper abdomen, thoracic ribcage and left knee. I have strong evidence medical records, recording and other evidence also a witness as well. I don't have any criminal and I never did nothing wrong with my injury but the insurance use Satellite Surveillance to protect their illegal action and they always tried to stop me not getting help from anyone. I'm still alive because Grace of God protect me and Holy Spirit provide me the evidence but I need someone to help my case also Doctor to surgery my injury. I have life threatening injuries on upper abdomen and thoracic ribcage but they threat my primary Doctor not to give me any treatment and surgery. A few Hospital refuse to give any help treatment for my pain injury. The US fire insurance workercompensation company not only did negligence but they did largest conspiracy for crime incidents. I'm suffering, painful and I need help. I really need help to file a Lawsuit for bad faith insurance. Please, I need your help to fight this case to the trial. Thank you and God bless you.


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