Insurance exists to provide peace of mind amid uncertainty. When a loss occurs, a claim is an opportunity for your insurance company to make good on the promises outlined in your policy. Our P&C Claims Advocacy teams understands that every claim is unique and depending on the facts of the situation, there can be a multitude of insurance implications. The path to claim resolution is not always clear, which is why it is important to have an experienced professional who will help you develop a strategy and advocate on your behalf.

Having the relevant expertise and support from your broker is crucial to the overall outcome. We can help you through every stage of the claims process and assist you if things go awry. Whether you’ve suffered a first-party loss or become a party to a lawsuit, our team is ready to support your organization, leveraging their years of experience, key relationships, and strategic approach to claims management.

Our goal is to minimize disruption and see that your business is brought to pre-loss condition as expediently as possible. By fostering communication and partnership between you and your claims adjuster, we strive to facilitate the prompt and fair resolution of claims.

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Services available:

  • Address pre-loss coverage inquiries
  • Prepare and report first notice of loss to carrier
  • Monitor claims and review reserves
  • Analyze carrier’s coverage determination
  • Advocate on your behalf during coverage disputes
  • Review loss trends for risk management program improvements
  • Facilitate escalation of complex or catastrophic claims

Tools & Resources

Filing a Claim

These self-service forms are intended to gather the information required for notice of a new commercial property or casualty claim. Please note that submission of these forms notifies Morris & Garritano of a new loss. It does NOT notify your insurance company. For urgent matters, please call our office at 805-543-6887, or refer to your policy for instructions to report the claim directly to the insurance company

Disclosing Policy Limits

I was involved in a serious auto accident, and I was found to be at fault. My adjuster has asked whether it’s okay to disclose my policy limits to the attorney representing the other party. What do you think?

In California, if your insurance company receives a demand to disclose your policy limits, it is required to contact you and get your permission to release that information.

Some attorneys and insurers argue that withholding the limits discourages frivolous claims, since the other party will need to file suit to find out your limits. In the interim, this may give your insurance company a tactical advantage, since it forces the other party to negotiate and make a demand without knowing what limits are potentially available to address the damages being claimed.

On the flip side, disclosing the limits may encourage the other party to present a reasonable settlement demand, and reduces the need to engage in full-scale litigation in order to resolve a claim.

If you decide to disclose your limits, you’ll probably also need to disclose whether you have an excess liability or umbrella policy, as well as the limits of that policy. Intentional concealment of your excess limits is a misrepresentation, or a lie of omission, and is contrary to the principles of good faith and fair dealing.

Whether or not you choose to disclose your policy limits, keep in mind that the value of the case is not affected by the amount of insurance available to address the damages. In other words, just because you have a policy limit of $1,000,000 doesn’t mean that the other party’s damages are worth $1,000,000, or that your insurance company will agree to pay that amount.

If, after reading this, you’re still agonizing about whether to disclose your policy limits, it’s recommended that you talk to an attorney who is familiar with personal injury claims and can counsel you with your specific situation in mind.

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