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Insurance Company Delaying or Denying Your Claim?
will fight back when your insurance company acts unfairly whether they’ve delayed, denied, or lowballed your valid claim. We’ll hold them accountable and pursue the full compensation you deserve.
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In California, insurance companies deny thousands of legitimate claims every year not because they lack merit, but because they count on policyholders giving up. Bad faith isn’t a glitch in the system; it’s often a strategy. That’s why handling these cases requires more than just legal knowledge it demands strategic pressure, industry insight, and a law firm that knows how to make insurers listen.
At Bojat Law Group, we don’t just dabble in insurance disputes we confront them head-on. We’ve seen firsthand how delay tactics, lowball offers and flat-out denials wreak havoc on people’s lives. That’s why attorney Sasha Bojat personally oversees every bad faith case that comes through our doors. With years of litigation experience and a background in standing up to large insurance companies he brings a mindset built for battle and a record to back it up.
We’re not a settlement mill. We’re not a volume firm. We’re a deliberately focused team that prioritizes impact over caseload. When you hire Bojat Law Group, you’re not passed down a chain of case managers. You speak directly with your lawyer. We take time to understand your policy, dissect the insurer’s behavior, and build a case tailored to hold them fully accountable. And because we believe everyone deserves protection from corporate wrongdoing we work on a No Win, No Fee basis. You pay nothing unless we win your case.
If your insurance company failed to investigate, denied coverage without reason, or refused to defend you when it mattered — you don’t need a law firm that just “understands” bad faith law. You need one that knows how to fight it.
In California, insurance companies are legally obligated to act in good faith and deal fairly with policyholders. This duty arises both from statute and common law. When an insurer unreasonably withholds benefits that are due under the policy, that may constitute bad faith. California Insurance Code Section 790.03(h) specifically lists unfair claims practices, such as failing to conduct a reasonable investigation, misrepresenting policy provisions, and delaying payments without cause.
Bad faith can occur in a variety of insurance contexts, including auto, homeowners, life, health, and disability insurance. Whether it’s a denied claim, a lowball settlement offer or a delay with no explanation these actions may give rise to a lawsuit against the insurer. Victims of bad faith can recover not just the unpaid benefits but also emotional distress damages, attorney’s fees and in some cases, punitive damages meant to punish the insurer’s misconduct.
If you believe your insurer has violated the duty of good faith you should consult an experienced bad faith insurance attorney. These cases are complex and fact-intensive, and insurers often fight them aggressively. At Bojat Law Group, we’re here to help you stand up for your rights under California law.
Bad faith isn’t always obvious at first. Insurance companies are skilled at making delays and denials sound like standard procedure. Below are some of the ways we’ve seen insurers act in bad faith not just in theory, but in real cases from right here in California.
Unreasonable Delays | Your claim sits unresolved for weeks or months with no explanation. Adjusters don’t return calls. Documents go missing. Updates are vague or nonexistent. This isn’t bureaucracy — it’s often intentional.
Lowball Offers | You’ve submitted a valid claim backed by clear evidence. Instead of paying what it’s worth, the insurer offers a fraction of the value — hoping you’ll settle out of desperation.
Failure to Investigate | Insurance companies are legally required to conduct a fair and timely investigation. If they deny your claim without reviewing all the facts, that’s more than sloppy it may be bad faith.
Misrepresenting Policy Terms | Some insurers twist or selectively interpret policy language to justify denying coverage. They count on the fact that most policyholders won’t push back.
Refusal to Defend | If you’re being sued and your policy includes liability protection, your insurer has a duty to defend you. Ignoring that obligation or refusing to provide legal counsel can be grounds for a bad faith lawsuit.
These aren’t just inconvenient tactics they’re violations of your rights. At Bojat Law Group, we’ve seen them all, and we know exactly how to respond.
Founder and CEO
Sasha fights for injury victims with passion and precision. He combines aggressive advocacy with personalized care, ensuring clients get maximum compensation. Trusted, transparent, and relentless your justice is her mission.
Partner
Suzette brings compassion and tenacity to every injury case. She fights tirelessly for clients, combining sharp legal strategy with personalized care. Trust her to demand the justice and compensation you deserve.
If you believe your insurer is acting in bad faitt, delaying, denying, or underpaying your claim without justification, here’s how you can take formal action through the California Department of Insurance (CDI):
1. Go to the CDI Complaint Portal
Visit the official Consumer Complaint Center on the California Department of Insurance website.
2. Select “Consumer Complaint Online”
Click the option for File a Consumer Complaint Online to start the process electronically.
3. Fill Out the Online Form
You’ll be asked to provide:
4. Submit and Track Your Complaint
Once submitted, you’ll receive confirmation and can follow up by phone or online. CDI staff may contact you or your insurer to investigate.
Filing a CDI complaint is free and can help resolve certain disputes. However, if you’ve suffered serious financial or emotional harm, or want to pursue punitive damages, you must file a lawsuit. Bojat Law Group can help you take that next legal step.
Bad faith by an insurance company can happen in more than one way. In California, these claims are usually divided into two categories: first party and third party. While both involve unfair treatment by an insurer, the circumstances and legal paths are different.
First Party Bad Faith
This applies when you file a claim with your own insurance company and they mishandle it. That can include delaying payment, making a very low offer or denying your claim without a proper explanation.
Here is one example- You report water damage to your property. The insurance company does not investigate promptly, refuses to pay what the repairs actually cost, or gives no valid reason for turning you down. This falls under first party bad faith.
Third Party Bad Faith
Third party bad faith occurs when someone else makes a claim against you, and your insurance company is supposed to defend you or settle on your behalf.
For example, you are in a car accident and the other driver sues you. Your insurer has the opportunity to settle the case within your coverage limit but chooses not to. If that decision exposes you to a court judgment above your coverage your insurer may be acting in bad faith.
Our clients’ words stand as our strongest evidence. When insurance companies delay, deny, or underpay valid claims from auto accidents and catastrophic injuries to traumatic brain injuries we step in. We’ve fought tirelessly for thousands of policyholders who were wronged by insurers acting in bad faith, securing the full compensation they deserve for both financial losses and emotional suffering. If your insurer isn’t honoring their promise, let us be your advocate.
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When I thought my case was at a dead end, Sasha was able to figure it out and help win my case! He is a great communicator and was super efficient which made the whole experience super seamless. So thankful I trusted him with my case and I will recommend him to anyone!
Kiana Boyd
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Sasha was the best lawyer I have worked with in my entire life. I had recently got into a car accident and Sasha took care of me from start to finish. I remember panicking because I didn’t know what to do but Sasha had took care of everything. One thing that really struck me was that Sasha had always reminded me that everything was in good care. He had reassured me and given me detailed updates throughout the process and that had given me the confidence I needed. Thank you Sasha for everything you have done! I recommend 1000%
JK Productions
Greg Perrow
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After a bad crash left me with a spine injury, Sasha took care of me right away. He immediately got me great treatment and went above and beyond to get me a life changing settlement. If you have been injured in an accident, don’t wait. Call Bojat Law Group.
Skyler Adams
A pedestrian was killed and two other people were injured Monday afternoon after a car crashed into Michael’s Super Burgers near Slauson Avenue and Norwalk Boulevard, between Whittier and Santa Fe Springs. The crash happened at about 2:25 p.m. on October 5, 2026. According to authorities, the pedestrian who died
A day at Six Flags Magic Mountain is supposed to end with photos, souvenirs, and stories about the rides not emergency brain surgery. But in July 2026, two women who rode the X2 roller coaster at Six Flags Magic Mountain in Valencia were rushed to a Southern California hospital within
Some rear-end accidents can be handled without a major legal dispute. Others become complicated quickly. If you were injured, fault is being disputed, the insurance company is questioning your medical treatment, several vehicles were involved, or you are being asked to settle before you understand the extent of your injuries,
When you pay your insurance premiums, you expect to be protected when it matters most. But for many people, that protection disappears the moment they file a claim. If your insurance company has ignored your calls, refused to pay what you are owed, or tried to avoid its obligations, you do not have to accept it. You have the right to fight back, and Bojat Law Group is here to help you do just that.
We are not a firm that moves cases through as fast as possible. Our team takes on a select number of clients so we can give each one the attention they deserve. That means taking time to understand what happened, reviewing your policy in detail, and calling out every way the insurer failed to act in good faith. If your claim has been mishandled, we will step in and demand the compensation you should have received from the beginning.
Insurance bad faith can happen anywhere after a car crash on the 405, a fire in your home, or a denied health claim that leaves you without options. If your insurer is dragging things out, avoiding your calls, or offering far less than your policy should cover, you are not alone. At Bojat Law Group, we help people across Los Angeles stand up to powerful insurance companies and get answers when they are being treated unfairly.
You might be wondering whether you even need a lawyer — and that is completely understandable. But when your claim is being ignored, your bills are growing, and the stress is building, having someone on your side who knows how to fight back can change everything. We deal with the insurance company for you, organize the documentation, and push for the full compensation you are entitled to — not just whatever amount they decide to offer.
We listen first. Because no two situations are exactly the same, and the way this has affected you matters. Our role is to give you clarity, a path forward, and the strength to hold your insurer accountable. Call Bojat Law Group at (818) 877-4878 or send us a message through our free consultation form. If we do not win, you do not pay.
You have the right to sue your insurer for breach of contract and bad faith. This includes demanding they fulfill their contractual obligations, pay your claim, and potentially seek punitive damages. You can also file complaints with your state insurance commissioner.
You can recover compensatory damages (the original claim amount plus interest), consequential damages (additional losses caused by the delay), attorney fees, and potentially punitive damages to punish the insurer’s misconduct. These damages can include lost income, emotional distress, and costs incurred due to the insurer’s unreasonable conduct.
If the insurer denied your claim without investigating, delayed payment for no clear reason, or ignored evidence in your favor, that could qualify. Bad faith is about more than a simple denial, it’s about behavior that shows the company refused to deal with you fairly.
Strong evidence might include denial letters with vague or shifting explanations, unexplained gaps in communication, or records showing the insurer avoided a proper investigation. Internal company documents, if accessible during litigation, can also reveal intent to delay or deny without justification.
The value of a bad faith insurance claim can vary widely. If the issue is resolved early and the harm is minimal, you might receive a few thousand to tens of thousands of dollars. But when the insurer’s actions cause serious financial loss, emotional distress, or expose you to major personal liability, the compensation can be much higher.
In more severe cases, courts may award punitive damages on top of what you’re owed under the policy. These are meant to punish the insurance company for intentional or reckless behavior. Some bad faith claims in California have resulted in verdicts reaching hundreds of thousands — even millions — depending on the facts of the case.
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