Just remember to never tell insurance company or your lawyer that you are interested in an early settlement. You will end up getting a low price because other party will assume that since your goal is to settle. Patience is indeed a virtue when it comes to settlements—higher settlement prices are given as trial date draws nearer.

It would be of great help to get a lawyer who pushes aggressively for a trial—attorneys with a reputation for agreeing on early settlements are not worth your time or money. Pick a lawyer with a reputable history of taking cases to trial.

Keep substantial evidence at hand. In such cases where a client is led to believe an advertisement or promotion of an insurance company that turns out to be false, depending on state, legal protection can be provided for you.

When you are able to successfully prove that your insurance company has breached a contract, you can recover damages for consequential losses, loss of use of insurance proceeds, general damages, attorneys' fees, and, in cases of egregious and misconduct, punitive damages.

Whatever happens, be sure to act fast. Insurance companies are always a step ahead of you in legal department. Depending on state, statute limitation for a case like this is 2 years. In California, you are only given 1 year.