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When your insurance company acts in bad faith, you may be able to recover losses caused by the insurer’s actions. When you take legal action in a bad faith lawsuit, there are different types of losses, also called “damages,” for which you may be awarded compensation. To better understand the possible damages available to you, […]
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: […]
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 […]
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 […]
