---
title: Charles Miller
url: https://www.advocatemagazine.com/authors/charles-miller
---

![Charles Miller](https://www.advocatemagazine.com/media/zoo/images/Miller-Charles_4feb70c4e72dc7fa4b96386ef67d76cb.jpg)

# Charles Miller

*Charles Miller is a licensed attorney in California. Since 1990, his practice has been devoted to insurance law. Prior to 1990, Mr. Miller was employed in the insurance industry for 18 years, where he worked as an insurance claims representative and claims manager. Mr. Miller has been retained in more than 15 states and territories, including Canada, as an expert on insurance industry practices and standards, as well as on various insurance policy coverage issues. He can be reached at [cmiller.ilc@earthlink.net.](https://www.advocatemagazine.com/mailto:cmiller.ilc@earthlink.net.)*

### Articles written by this author:

## [Bad faith: Revisiting an insurer’s affirmative duty to settle](https://www.advocatemagazine.com/issues/2016-september/bad-faith-revisiting-an-insurer-s-affirmative-duty-to-settle "Bad faith: Revisiting an insurer’s affirmative duty to settle")

Absent a settlement demand, insurers have no duty to present a settlement offer where a verdict is likely to exceed the policy limit

[Charles Miller](https://www.advocatemagazine.com/authors/charles-miller "Charles Miller")

[2016 September](https://www.advocatemagazine.com/issues/2016-september)

## [UIM: It’s not in dispute, so pay up!](https://www.advocatemagazine.com/issues/2017-september/uim-it-s-not-in-dispute-so-pay-up "UIM: It’s not in dispute, so pay up!")

The obligation of insurers to pay the undisputed amount of underinsured and uninsured motorists’ claims

[Charles Miller](https://www.advocatemagazine.com/authors/charles-miller "Charles Miller")

[2017 September](https://www.advocatemagazine.com/issues/2017-september)

[![Current issues in first-party property claims](https://www.advocatemagazine.com/media/zoo/images/Miller-istock-155361811_6ff7b146908df9be41df070047514596.jpg)](https://www.advocatemagazine.com/issues/2018-september/current-issues-in-first-party-property-claims "Current issues in first-party property claims")

## [Current issues in first-party property claims](https://www.advocatemagazine.com/issues/2018-september/current-issues-in-first-party-property-claims "Current issues in first-party property claims")

“Like kind and quality” and other issues when insurers pay for property damage to their insureds’ buildings

[Charles Miller](https://www.advocatemagazine.com/authors/charles-miller "Charles Miller")

[2018 September](https://www.advocatemagazine.com/issues/2018-september)

[![Handling the wild-fire insurance claim prior to litigation](https://www.advocatemagazine.com/media/zoo/images/Miller_istock-1077503082_2d482abfb6f3830596d5940655280f2d.jpg)](https://www.advocatemagazine.com/issues/2019-march/handling-the-wild-fire-insurance-claim-prior-to-litigation "Handling the wild-fire insurance claim prior to litigation")

## [Handling the wild-fire insurance claim prior to litigation](https://www.advocatemagazine.com/issues/2019-march/handling-the-wild-fire-insurance-claim-prior-to-litigation "Handling the wild-fire insurance claim prior to litigation")

A guide to the process and pitfalls in handling a major fire-damage claim, and using the Insurance Code to your client’s advantage

[Charles Miller](https://www.advocatemagazine.com/authors/charles-miller "Charles Miller")

[2019 March](https://www.advocatemagazine.com/issues/2019-march)

[![Burned out and underinsured](https://www.advocatemagazine.com/media/zoo/images/Miller-istock-104206259_320541880317e949a4ab575912124d32.jpg)](https://www.advocatemagazine.com/issues/2019-september/burned-out-and-underinsured "Burned out and underinsured")

## [Burned out and underinsured](https://www.advocatemagazine.com/issues/2019-september/burned-out-and-underinsured "Burned out and underinsured")

A look at why California homes are underinsured and the litigation that arises out of that underinsurance

[Charles Miller](https://www.advocatemagazine.com/authors/charles-miller "Charles Miller")

[2019 September](https://www.advocatemagazine.com/issues/2019-september)

## [Business-income insurance and COVID-19](https://www.advocatemagazine.com/issues/2020-june/business-income-insurance-and-covid-19 "Business-income insurance and COVID-19")

A look at the “direct physical loss of or damage to property” requirements in ISO form business-income policies

[Charles Miller](https://www.advocatemagazine.com/authors/charles-miller "Charles Miller")

[2020 June](https://www.advocatemagazine.com/issues/2020-june)