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Homeowners Insurance Exclusions You pay your homeowners insurance premiums under the belief that you are covered against any kind of damage. These can be anything from busted water pipes to those events caused by natural disasters such as flooding. When you file a homeowners insurance claim, you are filing your claim expecting to be compensated […]
What is Insurance Bad Faith? You purchase insurance to protect yourself and your family against unforeseen risks and to give you peace of mind in the event of a loss. You pay your insurance premiums. When you suffer a loss, you count on your insurance company to live up to its end of the bargain […]
Homeowners Insurance Claim DenialsHas your homeowner’s insurance company denied your claim? Is your homeowner’s insurance company delaying the payment of your claim or making an unreasonably low settlement offer? We represent Nevada homeowners in first-party insurance disputes. If your home has been damaged by fire, burst pipes, water damage, or another unfortunate circumstance, your homeowner’s […]
Long-Term Disability Insurance Attorneys Leverty & Associates Law Chtd. has experience with long-term and short-term disability insurance claim denials. One buys short-term and long-term disability insurance to financially assist them and their family in the event they cannot work to earn a salary. Long-term disability insurance coverage is generally provided in three (3) different ways: […]
Health and Medical Insurance One buys health and medical insurance to protect themselves and their families from the financial hardships that may result by accidents and illness. Whether before or after Affordable Care Act (ACA), often referred to as Obamacare or federal health reform, there are two (2) avenues of obtaining health insurance, one in […]
When an insurance company denies a claim, that denial decision might not only be incorrect under the terms of the insurance policy, but also might be in bad faith. When determining whether or not an insurance company acted in bad faith, a court will use the “reasonable” standard. The court will evaluate the actions of […]
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 […]
“How often do you find that you need to go to trial? When you’re negotiating with an insurance company, how often do they settle? How often do you go to trial? And, which is better?” It is hard to say if there is any one way that is better than the other, as every situation […]
Every insurance company has a duty to deal fairly with their insured and to give as much consideration to the interest of the insured as it gives to the insurance company’s own interest. The insurance company is required to help the insured with their claim. Whether an insurance company’s actions arise to the level of […]
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 […]
