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 Marin County, San Francisco North Bay, Ca. , California, USA Insurance Law - Insurance Lawyer
Auto Insurance Law,  California Insurance Law, Health Insurance Law , etc
San Rafael,  Marin County, San Francisco North Bay, Ca. USA 94901, 94903

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Insurance law is the name given to practices of law surrounding insurance, including insurance policies and claims.


Regulation on the insurance industry via law began in the 1940s in the United States, through several supreme court rulings. The first ruling on insurance had taken place in 1868 (in the Paul v. Virginia ruling, with the supreme court ruling that insurance policy contracts were not in themselves commercial contracts. This stance did not change until 1944 (in the United States v. South-Eastern Underwriters Association ruling , when the Supreme court upheld a ruling stating that policies were commercial, and thus were regulatable as other similar contracts were.

Nowadays, many countries - and states in the United States - regulate insurance companies through laws, guidelines and independent commissions and regulatory bodies. These laws and statutes ensure that the policy holder is protected against bad faith claims on the insurers part, that premiums are not unduly high (or fixed), and that contracts and policies issued meet a minimum standard.

A bad faith action may constitute several possibilities; the insurer denies a claim which is seemingly valid in the contract or policy, the insurer refuses to pay out for an unreasonable amount of time, the insurer lays the burden of proof on the insured - often in the case where the claim is unprovable. Other issues of insurance law may arise when price fixing occurs between insurers, creating an unfair competitive environment for consumers. A notable example of this is where Zurich Financial Services - along with several other insurers - inflated policy prices in an anti-competitive fashion. If an insurer is found to be guilty of fraud or deception, they can be fined either by regulatory bodies, or in a lawsuit by the insured or surrounding party. In more severe cases, or if the party has had a series of complaints or rulings, the insurers license may be revoked or suspended.

In the case that an insurer declares bankruptcy, many countries operate independent services and regulation to ensure as little financial hardship is incurred as possible (National Association of Insurance Commissioners operates such a service in the United States.
 

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Aaron M Kamins
950 Northgate Dr # 307, San Rafael, CA 415 479-0455

Benjamin W Gale Attorney At Lw
Samuel F Barnum
4302 Redwood Hwy # 100, San Rafael, CA 415 492-9800

Burroughs & Froneberger
Henry Froneberger
24 Professional Pkwy # 200, San Rafael, CA 415 491-5000

Colin C Claxon Law Offices
790 Mission Ave, San Rafael, CA 415 485-2200

Edith Kelly Politis
1101 5th Ave # 200, San Rafael, CA 415 453-3055

Farley Law Offices
Margaret M Farley
165 N Redwood Dr # 285, San Rafael, CA 415 492-8690

Freitas Mc Carthy Mac Mahon
Thomas F Keating Jr
1108 5th Ave # 3, San Rafael, CA 415 456-7500

Gillin Jacobson Ellis & Larsen
A Gillin
175 N Redwood Dr # 130, San Rafael, CA 415 459-0999

J Michael Anthony
790 Mission Ave, San Rafael, CA 415 485-2200

John A Dawdy
810 E St, San Rafael, CA 415 453-1008

Johns & Allyn
Christopher Johns
1010 B St # 350, San Rafael, CA 415 459-5223

Keegin Harrison Schoppert
Paul C Smith
1000 4th St # 600, San Rafael, CA 415 456-4000

Kenneth S Atterman
1050 Northgate Dr # 300, San Rafael, CA 415 472-8010

Lawrence A Strick Law Office
503 D St # 2, San Rafael, CA 415 721-1200

Lisa L Landey
Lisa L Landey
51 Jewell St, San Rafael, CA 415 453-3315

Michael B Samuels Law Office
1120 Nye St # 250, San Rafael, CA 415 258-9064

Plastiras & Terrizzi

Basil Plastiras
24 Professional Ctr Pkwy # 150, San Rafael, CA 415 472-8100


Richard Raznikov Law Office
1005 A St # 405, San Rafael, CA 415 453-8400

Robert D Carrow Law Offices
7 Mount Lassen Dr # C134, San Rafael, CA 415 492-1225

Rothken Law Firm
Ira P Rothken
1050 Northgate Dr # 520, San Rafael, CA 415 924-4250

Steven C Duditch
1110 Lincoln Ave, San Rafael, CA 415 456-3422

Stuart D Diamond Law Offices
1000 4th St # 875, San Rafael, CA 415 459-2000
 
 
 
 
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