I am sorry I cannot come up with a clever theory, but I think 8 years is too long to act. Unless someone else has a novel theory, I think your claims have been lost to the statute of limitations that prevents bringing "stale claims."
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Yes, unfortunately the statute of limitations has run. I am not sure what other alternatives you have. You may want to write a complaint to the CA Department of Insurance. I am not sure how much that will help though.
Why wait so long to look into this? You are way past the time period for filing a lawsuit at this point.
Good luck to you.
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