1. Personal Injury Lawyer Orange County: Mobile phone Driving
Due to Cellular Phone Use Forced Automobile Insurance
Firms to Increase Rates
Car Crash Lawyers In Orange County 101
An insurance policy negative faith refers back to the carelessness committed because of the
insurance service which resulted to breach of contract to its coverage holders. As such,
policy holders can legally question their insurer for tort promises and promises on breach of
contract.
Bad faith can take different forms and may happen at any stage of the claim review and
payment process. For instance if an insured house or automobile becomes damaged, the law
expects the insurance companies to investigate the damage to determine if it is covered and
to pay proper value for the harmed real estate. In case the insurance policies company falls
small while in the investigation and it resulted to mistaken valuation, the corporate is alleged
to get acted in unhealthy faith. Such term also applies when the company delays the
inspection or when the company refuses to investigate and pay the damage.
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On one other hand, an insurance policy organization can legitimately deny any claim to
protect their interest. For instance, if the policy holder does not adhere to the agreement
written in the contract or when the damage was achieved through fraudulent means, the
company can legally deny payment to the claim. Subsequently, an insurance can also deny
payment if the damage is not included in the agreement.
In the absence of the elements stated above, the insurance company must pay its policy
holders. If the individual thinks that his insurance company committed lapses, the person can
question this in court so he can get what the company owes him. Moreover, the person can
also ask for more cost if he incurred financial decline or distress damages because of the
insurance harmful faith. But if it is proven that the insurance company committed malice,
fraud, or oppression, the person can ask for damages attributable to financial loss or distress
and also punitive damages.
To conclude, every insurance company has a legal obligation to its policy holders. Which
explains why, it really is significant that insurance suppliers exercise diligence so that you
can keep away from lawful repercussions.
It is a fact that usage of cell phones while driving a car causes road accidents that can lead
to injury or fatality. In fact, according to a statistics which reviewed road accidents in 2011, it
revealed that 23 percent of it involved drivers using cell phones. It amounts to 1.3 million of
car crashes due to distracted driving. In addition, the study showed 13 percent of the
accidents involved individuals ages 18-20 while there were also incidents that involved adults
using cell phones while driving.

2. These results are quite alarming that it forced insurance companies to raise car insurance
premiums in the industry. The industry was forced to raise their premiums because the
accidents related to distracted driving do not appear to go down. In 2008 alone about 24,000
accidents were recorded which resulted to 1000 fatalities. Meanwhile it was found out that
the accidents involved teens and young adults because authorities believe that these people
are fond of using cell phones everywhere. Because of this, car insurance companies are
forced to implement higher premiums to these individuals.
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Although there are laws against using of cell phones while driving, some people still continue
to use these devices while on the road because they believe they can handle both at the
same time. Youthful grownups are frequently the victims of such incidents simply because
they are saying that it's convenient to generate even though working with phones to text or
connect with anyone. What they don?t know is that they are not only putting their lives at risk
but they are also jeopardizing the lives of others such as their passengers or the people
inside the other vehicle. It is actually considering that many people who use their telephones
to text consider their eyes off the highway for not less than 5 seconds. As a result, these
people are 23x likely to crash because they are distracted.
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Whether or not the automobile insurance policy sector has presently come up with measures
to discourage drivers to employ their devices although driving, these suppliers nevertheless
phone for new measures to dissuade most people these acts. Even if the company pays for
the damages incurred with the accident, it does not justify the consequence of immature
driving.