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insurance law

Personal injury and property damage law explained by San Diego attorney Evan W. Walker.

Do I Have To Itemize My Belongings After A California Wildfire?
May 23, 2026

Do I Have To Itemize My Belongings After A California Wildfire?

No you don't, depending on the circumstances. Here's why and what to know. What Is California Insurance Code § 10103.7? Insurance Code § 10103.7 is a…

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Is There Third Party Bad Faith In California?
January 2, 2026

Is There Third Party Bad Faith In California?

The short answer, no. Here's the longer answer, which explains why. Let's start with definitions. What is a First Party Claim? A first party claim is…

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What Is Subrogation In California?
January 26, 2025

What Is Subrogation In California?

Subrogation is the right of an insurance company to go after someone who caused damage to your property. Subrogation is a fancy word for reimbursement. Let's…

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Can An Insurance Company In California Stop Covering Your Home?
June 23, 2024

Can An Insurance Company In California Stop Covering Your Home?

Yes. But here's some info you should know. Your Relationship With Your Insurance Company Many people have used the same insurance company for years. That doesn't…

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What Is Efficient Proximate Cause In California?
January 11, 2024

What Is Efficient Proximate Cause In California?

What goes around Comes around Willie Nelson Efficient proximate cause is a legal doctrine in California. It refers to the primary cause of loss in an…

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What Are Howell Bills?
September 29, 2023

What Are Howell Bills?

In the end we retain from our studies Only that which we practically apply. Goethe Howell bills refer to medical bills that were paid, not billed.…

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What Is An Examination Under Oath In California
August 23, 2023

What Is An Examination Under Oath In California

Above all, don't lie to yourself. Dostoevsky An Examination Under Oath (EUO) in California refers to a proceeding involving you (the insured) and your insurance company…

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What Is The Personal Reasons Exception in California?
November 23, 2022

What Is The Personal Reasons Exception in California?

We are our choices Sartre The personal reasons exception is an exception to the general rule on the standard of real property damages. Here's some context.…

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What Is Insurance Bad Faith In California?
October 24, 2022

What Is Insurance Bad Faith In California?

Trust not too much to appearances. Virgil What Is Insurance Bad Faith? Insurance bad faith is when your insurance company doesn't treat you fairly. Bad faith…

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What Is The Fair Claims Settlement Act In California?
September 22, 2022

What Is The Fair Claims Settlement Act In California?

Life's not fair Anonymous Don't expect the insurance companies to tell you about the Fair Claims Settlement Act! The Fair Claims Settlement Act is a collection…

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Who is responsible for water main breaks in San Diego?
October 30, 2020

Who is responsible for water main breaks in San Diego?

Action may not always bring happiness, But there is no happiness without action.-Benjamin Disraeli In almost all cases, the City of San Diego will be responsible…

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How to file a business interruption claim in California
May 24, 2020

How to file a business interruption claim in California

Any fool can know. The point is to understand. -Albert Einstein Here are general steps you should take to file a business interruption claim in California,…

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