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A number of cases have been filed in the wake of the January 2008 Fernley Flood wherein Leverty & Associates Law Chtd. has been named as class counsel. See below for more information regarding these lawsuits. Reynolds, ET AL. v. TCID, ET AL. (Third Judicial District, Case No. CI 18948) In a victory for the […]
Cancer and Specified Disease Insurance provides benefits, usually directly payable to you, if you get the identified disease the policy specifically covers. A good example of this type of coverage is the coverage offered by AFLAC. There are many different types of these policies and the benefits vary considerably between insurers and even various insurance […]
Prohibited acts by insurance companies can include asserting an exclusion that doesn’t apply, or blatantly denying a claim, even though there is overwhelming evidence showing that they should have accepted the claim. Another prohibited act is to delaying payment unreasonably. In Nevada, if you have a loss and need to make a claim under your […]
Q: What is the appeal process if my claim is wrongfully denied? When an insurance company denies your claim wrongfully, the appeal process depends on the language of the policy. Common in homeowners insurance policies is a suit limitation provision. In Nevada, a typical statute of limitation for breach of contract (in this case, failure […]
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 […]
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 […]
