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What kinds of information might an insurance company request in the course of an investigation into a claim? The insurance company has no incentive economically to stop requesting additional information. The more hoops they make you jump through, the longer the insurance company delays having to pay your legitimate claim. As an example of what […]
Q: Is it possible to negotiate exclusions or inclusions in an insurance policy? Unfortunately, a homeowner’s insurance policy is for the most part a take-it-or-leave-it situation. You go to your broker, agent, or someone else in the business of selling insurance and there are a handful of forms to purchase. If there is a particular […]
Yes. Most companies sell different types of insurance. Many insurance companies get their insurance policy forms (the language of the policy) from the Insurance Services Organization (ISO). Under the ISO forms there are a number of tiers of coverage: a standard dwelling policy, H01 policy, H03 and H05 policies. All of these are typical, get-what-you-pay-for […]
As experienced disability insurance lawyers, we take most of cases on a contingency fee basis. That is to say, if you don’t win, we as your lawyers don’t charge you attorneys’ fees. Under ERISA, if we get the attorney’s fees paid by the insurance company, that is how our fees are paid. We are knowledgeable […]
ERISA is the Employee Retirement Income Security Act. Back in the 1970s, pension plans were falling apart. The government became involved to fix up the pension plans, but in the process they wanted employers to offer their employees benefits. So, Congress came up with a plan that says if you make a mistake in offering […]
Whenever there appears to be a bad faith denial of an insurance claim, we will do discovery, and then hone in on that issue. Part of the purpose of the discovery is to discover whether the insurer acted in bad faith. There are statistics which show that 99% of all cases settle, and if they […]
With most policies, an individual has an opportunity to appeal. This is especially true with long-term disability insurance benefit plans provided by employers, which are covered by ERISA. At that point, the claimant needs to contact an experienced disability insurance lawyer knowledgeable of long-term disability claims to help with the appeal because it is a […]
Often, the insurance company will accept an insured’s claim when it is in the “own occupation” period, but then, when the policy switches to “any occupation” the insurance company will claim the individual can perform some job for which he or she possesses knowledge, skill or training. Basically the switch from “own occupation” to “any […]
When you sue because your long-term disability insurance company wrongfully denied your benefits, there are several types of damages your long-term disability insurance lawyer may pursue. First, you can get what are called “breach of contract damages.” These refer to benefits that the long-term disability insurance company should have been paying had they accepted your […]
Common Defenses of Attorneys of Insurance Companies Common defenses depend on the event. For auto insurance, a common defense is that the injury didn’t happen or wasn’t severe. The insurer’s defense is to b minimizes everything that happened. Another defense is that it just wasn’t their insured’s fault. Q: What can I do if my […]
