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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 […]
Insurance companies will sometimes try to deny a claim arguing that the damage was an “Act of God.” In the insurance industry, an “Act of God” is an unforeseen, naturally occurring event, like a huge tree branch falling on your house during a storm. The insurance company may deny this claim, arguing that you knew […]
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 […]
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 […]
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. […]
We have experience handling health insurance claims. It’s common for someone having surgery to face a big dispute about how much the health insurer is going to pay. People always assume they are within their coverage, but there is language that says there is a possibility the insurer won’t cover an event or procedure. Even […]
