Our Practice Areas
Insurance Bad Faith
People buy insurance for the peace of mind that comes with not worrying about an unexpected loss. Of course, an insurance company should investigate claims and only pay for losses covered under a policy. However, when an insurance company acts unreasonably or unfairly with the intent of denying a valid claim, it has acted in Bad Faith. Insurance companies can act in Bad Faith in many different ways, such as: only paying partial benefits, failing to defend an insured against a third-party claim, denying coverage for a valid claim, unreasonably refusing to settle with a third party, failing to properly investigate a claim, only offering an unreasonably low amount in settlement, causing undue delay in claims processing, accusing an insured of fraud as a pretext to refuse to pay a claim, and cancelling a policy in order to avoid honoring a claim.
Due to the natural imbalance of power between a huge insurance company and an individual policyholder, a policyholder stands little chance of prevailing against an insurance company. Fortunately, the law provides a remedy for a policyholder to help level the playing field, which is a cause of action for Bad Faith.
It is particularly difficult for a policyholder to fight an insurance company while simultaneously dealing with the underlying loss. The attorneys at Haffner & Morgan are here to help navigate the treacherous waters of fighting an insurance company that unreasonably refuses to honor a valid claim.
When a person’s life is taken from them by the carelessness or intentional act of another person, the decedent’s heirs may have a legal remedy, which is called a Wrongful Death action. Statutes in California define who can bring a Wrongful Death action and what damages can be awarded. A civil action for wrongful death is completely separate and apart from any criminal action taken against the person. For example, although the driver of an automobile who killed a pedestrian may not be prosecuted or convicted for a crime, he or she might still be liable civilly by the dead person’s heirs in a Wrongful Death action.
Because the death of a close relative is so obviously tragic for the family of the deceased, the purpose of a Wrongful Death action is meant to help the family move forward financially in the face of such a tragic loss.
The attorneys at Haffner & Morgan can help guide family members through the legal system in the time of grief and loss following the death of a close relative.
The leading cause of injuries in the United States is auto accidents. It’s not surprising when you think about it: four thousand pound hunks of metal hurtling down the highway can do obviously do great damage to the human body in ways both visible and invisible. Serious injuries to the brain, spinal cord, bones, tendons, muscles and connective tissue are unfortunately all too common. It is particularly difficult for those injured to heal from their injuries while simultaneously deal with the vehicle repair facilities, rental car agencies, insurance adjusters, medical providers and billing and collection outfits.
Those injured in an auto accident by the negligence of another driver often run into the difficulties and roadblocks put up by insurance companies when trying to be made whole for the losses they’ve suffered. In fact, many do great damage to their rights and the value of their cases when they try to “handle it themselves.” Haffner & Morgan stand ready to help, counsel and advise the injured through the process.
Bicycle riders are particularly vulnerable and susceptible to injury when they are involved in collisions with motor vehicles. Often times motor vehicle drivers are careless or inattentive, causing collisions with law abiding bicycle riders. Other times motor vehicle riders fail to exercise due care when opening doors when parked or inadvertently run bicyclists off of the road.
Those injured in a bicycle accident by the negligence of another driver often run into difficulties being compensated by their damages. Motor vehicle drivers and their insurance companies many times dispute liability even when it is relatively clear that the bicyclist was not at fault. In those situations it is important to hire an attorney experienced in the often times complex liability situations that arise in bicycle accidents, especially those caused by a motor vehicle driver where a collision did not take place. Haffner & Morgan have extensive experience handling bicycle cases ranging from auto versus bicycle collisions, to cases where a driver or a passenger in a parked motor vehicle negligently opens a door in the path of a bicyclist. We stand ready to help, counsel and advise injured bicyclists through the entire process.
Even the most careful motorcycle riders face the risk of serious injuries because of the carelessness of other motorists, resulting in motorcycle accidents. Motor vehicle drivers are often talking, texting, or failing to pay attention, with disastrous results. The attorneys at Haffner & Morgan have years of experience in helping the victims of motorcycle accidents recover in the aftermath.
When a person is injured as a pedestrian by the carelessness or intentional act of another person, they may have a claim against the individual that injured them. Often times a person is injured, to no fault of their own, when lawfully crossing a street in a crosswalk or walking along the side of a road. Just because a person is a pedestrian versus a driver or passenger of an automobile does not automatically make them at fault for an accident.
The attorneys at Haffner & Morgan are experienced at handling pedestrian accidents, especially motor vehicle versus pedestrian collisions. Frequently, persons injured in pedestrian versus vehicle accidents are placed at blame for the accident either by a police report, the insurance company, or both. We have experience utilizing experts, including accident reconstructionists to establish liability and get you the best possible return in your case.
When a person is injured in a dog attack or by dog bite, often times a person does not think that they have any sort of recourse against the owner of the dog. However, many times when a dog collides with a person, to no fault of their owner, or knocks over the person, the owner of the dog is legally responsible. Similarly, when a person is attacked and bitten by a dog, with lasting consequences, the owner of the dog may also be legally responsible for the dogs actions. This resonsiblity includes future consequences for dog attacks, including permanent scarring from dog bites.
The attorneys at Haffner & Morgan have extensive experience handling the entire spectrum of dog
attacks from dogs colliding with persons to dogs biting persons. We are familiar with the challenges of establishing liability and litigating a dog attack case to obtain the maximum return for our clients.
If you are injured due to a product you have purchased and used in the manner in which it was intended, you may have a viable claim against the manufacturer, designer, and/or retailer of the product. Often times products have been negiglently designed, manufacturered or sold before you buy them as a consumer. When this happens, and you suffer injury, you may be able to seek recourse and compensation for your damages.
The attorneys at Haffner & Morgan are experienced in handling a wide spectrum of product liability cases from everyday products and devices to recreational devices. We are familiar and comfortable with extensive testing, expert retention, and litigation necessary to prosecute these actions. As a result, we are ultimately able to obtain maximum value for our clients whether through settlement or through litigating a case.
Many times in auto accidents, slip and falls, trip and falls, or other personal injury cases, a person suffers a head injury that goes undiagnosed. One of the most severe consequences of a personal injury case can be a brain injury that can and often goes undetected , with severe and profound consequences. Sometimes a person may experience concussion-like symptoms that they think go away over time. Upon closer examination by expert medical doctors, and via discussion with a person’s family and loved ones, it becomes clear that a person has been forever change in an accident because of a brain injury. Brain disease therapy and mental health treatment concept as a sheet of torn crumpled white paper taped together shaped as a side profile of a human face on wood as a symbol for neurology surgery and medicine or psychological help. The attorneys at Haffner & Morgan LLP are experienced with utilizing expert doctors to diagnose and treat brain injuries. We are familiar with the best doctors in the San Diego community and can in many cases make referrals to get you the best treatment and ultimately the best recovery.