Your insurer has a duty in California of good faith and fair dealing to you. Unlike
carriers for another driver who causes an accident, this means your insurance company must treat you fairly and place your interests at least equal if not greater than their own interests which we all know is financial. California used to require insurers for 3rd
parties (another driver) to also act in good faith toward you but that changed with
Royal Globe (a California Supreme Court case in 1988).
There are times where your insurer may treat you unfairly or unjustly because insurance companies tend to treat every claimant like the enemy. If your insurer is doing this to you, you need to contact a lawyer asap to represent you and to get
them to follow the law.