Insurer and TPA are taking the last line out of an arbitration award out of context and in isolation. (e.g. All claims not expressly granted herein are expressly denied") They have given me three different, illogical and somewhat contradictory reasons to deny new and unknown claims that were not discovered until over a year after arbitration award.
Insurance Law Lawyer
The causes of action are not different because you have a non-admitted insurer. You potentially have a breach of contract, bad faith and B&P section 17200 claim. Misreading an arbitration award unreasonably to deny a claim would likely amount to insurance bad faith but all circumstances would have to be reviewed. You will need to have an experienced insurance coverage attorney review this. Some firms, like mine, work on an hourly or contingency fee basis.
Personal Injury Lawyer
You need to consult an attorney in person and bring all of your documents. Clearly too much has gone on for any attorney to answer this question on-line.
Breach of contract, breach of the implied covenant of good faith and fair dealing (I.e. Bad faith) are among the causes of action you may be able to raise. You need an attorney that practices in the are of insurance coverage. The attorney would need to see the arbitration award, copies of all applicable policies and any correspondence from your insurance carrier with respect to the denied claims. Many of us offer a free initial consult if you would like to call.