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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 […]
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 […]
Q: Is there ever a case of insurance bad faith with health insurance? Yes. For example, there may be an instance when a person has been insured for a short period of time and the doctor finds out the insured has cancer. They start treatment immediately but the insurance company denies the claim to pay […]
First, it’s required by state law to have a minimum amount of auto insurance coverage. If you cause an accident and hurt someone, you have the insurance company to defend you and to pay if it is determined that you were at fault. It’s there for peace of mind in the event you hurt someone. […]
Typically, with the health insurance claimed by the medical provider of the hospital or doctor, they submit the bill, and you’ll go and get treatment. You will probably get a medical bill from them which explains the services and the cost of the services. You also get an explanation of the benefits (EOB)s, which is […]
Q: If my house burns down, what kind of behavior might constitute insurance bad faith from my fire insurance or homeowner’s insurance? Often insurance companies, after a loss like a house fire, will immediately offer a small sum of money, for example, $5,000 so you can go buy yourself some new clothes and get on […]
It depends on how strongly they feel about the case. The insurance companies sometimes settle, but like any other case, it just depends on the dynamics of the relationship between all the parties, often requiring insight from brain injury lawyers.
Q: Is there ever an instance where insurance bad faith is not an intentional act, but just the ineptitude of the people who work there? In Nevada, insurance bad faith does not need to be intentional. You don’t need to prove that your insurance company intended to harm you through bad faith conduct. You only […]
