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  • What Is Critical Illness Insurance and How Can It Benefit You?
    Posted on: January 31, 2017

    Critical illness takes a great toll on a family, financially and emotionally. Medical expenses, live-in care costs, and the stress of financial burdens can make an already delicate situation worse. Cancer, heart attack, stroke, and other critical illness patients need a financial solution to facilit...

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  • What Are Some Common Life Insurance Myths?
    Posted on: January 16, 2017

    Most life insurance policyholders do not fully realize what having this type of insurance means. Several myths surround life insurance policies, perpetuating harmful misconceptions. Instead of believing everything you hear about life insurance, find out the truth for yourself. Make an informed life ...

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  • How Do I Get My Long-Term Care Insurance Claim Paid?
    Posted on: January 9, 2017

    Long-term care (LTC) insurance can mean the difference between struggling and living comfortably with an illness, condition, or permanent disability. LTC insurance covers home care, assisted living, nursing home facilities, adult daycare, and hospice care. LTC insurance for home care typically pays ...

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  • What Was the Oklahoma Workers’ Comp Opt-Out Ruling?
    Posted on: December 28, 2016

    For the last several years, a national campaign has pushed for changes to state laws to allow a business the right to “opt out” of statewide workers’ compensation laws and instead write its own to best care for its injured workers. Advocates of this change believe allowing businesses to write ...

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  • Horizontal vs. Vertical Exhaustion
    Posted on: December 22, 2016

    When more than one insurance policy covers a loss or risk, the question of who should pay arises. Multiple primary and excess policies can create a situation in which the courts must decide which carrier must respond to a loss. The courts decide this by applying either “horizontal” or “vertica...

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  • What Is the Hammer Clause?
    Posted on: December 19, 2016

    If you’re involved in a professional liability insurance policy in Phoenix, you may or may not know about the hammer clause. The hammer clause – also known as the “consent to settlement clause” and the “blackmail settlement clause” – is a provision in professional liability insurance p...

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  • What Is a Supplement?
    Posted on: November 29, 2016

    Insurance exists to provide peace of mind. When you insure your car, you pay the insurance company to cover your losses in the event of an accident. Your driving record and personal information typically tell the insurance company how much of a risk you are, and they’ll assign a premium (the amoun...

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  • What Are Punitive Damages?
    Posted on: November 29, 2016

    When one party injures another, the injured party can file a lawsuit to obtain compensation for his or her losses caused by the other party’s actions. In most cases, the injured party and his or her attorney must prove that the defendant was negligent. Negligence defines any action that another re...

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  • What Is “Burden of Proof” and How Does It Apply to Insurance Bad Faith Cases?
    Posted on: November 29, 2016

    Our criminal justice system functions around the concept that every accused individual is innocent until proven guilty. The concept of “burden of proof” means that the accuser must provide evidence supporting his or her claims. The accused doesn’t necessarily have to prove his or her innocence...

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  • What Are Some Common Insurance Fraud Indicators?
    Posted on: October 27, 2016

    Savvy investigators can detect fraud and prosecute suspects using certain insurance fraud indicators. Just as every poker player has a “tell,” investigators search for a fraudster’s tell – an indication that a consumer, provider, insurance company, or adjuster is attempting insurance fraud. ...

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  • What Is a Loss of Consortium Claim?
    Posted on: October 21, 2016

    Just as an injured party can file a claim for his or her injuries, so can the injured party’s family. A traumatic accident can cause unthinkable pain to a victim’s spouse, children, or parents. If the victim dies because of his or her injuries, the family must bear the loss of the victim’s com...

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  • What Is the SIU?
    Posted on: October 14, 2016

    Every insurance company in the United States has a Special Investigative Unit, or SIU. After being in an accident, your insurance claims adjuster may tell you that he or she has to refer your personal injury or damages claim to the SIU. This may be a new term for you, and you might not realize what ...

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  • How Are Life Insurance Claims Denied?
    Posted on: August 31, 2016

    Life insurance policies can provide some much-needed assurance that your loved ones will not need to struggle when you’re no longer around. Unfortunately, insurance companies will take advantage of policyholders who seek this extra security. What are the most common reasons insurance companies can...

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  • How do Disability Insurers Take Advantage of People?
    Posted on: August 24, 2016

    An injury can turn your world on its head. Aside from medical bills and recovery, you may be wondering how to replace your lost income. If you purchased disability insurance, you expect your insurer will provide you with the means to survive, but this isn’t always the case. Unfortunately, insuranc...

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  • What is Builders Risk Insurance?
    Posted on: August 18, 2016

    Builders take on risk every day. When you’re turning someone else’s vision into a reality, it’s just a part of the job. But there are calculated risks and unnecessary ones. Builders can mitigate their risk by purchasing builder’s risk insurance. Builder’s Risk Insurance: A Primer Also kn...

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  • What is “Residence Premises” in Terms of Insurance?
    Posted on: July 27, 2016

    This is a fundamental premise of homeowner’s insurance: for a policy to cover damages to your property, you must reside in that property. That dwelling needs to be explicitly listed in the declarations page. This may seem straightforward, but when insured individuals make changes to or move from t...

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  • How Much Insurance Do I Really Need?
    Posted on: July 21, 2016

    Imagine you’re a homeowner who has been a long-time customer of an insurance company. As far as you know, you’re covered by the most common hazards in your area. A major storm hits, and flooding devastates the area. You make it out okay, but run into significant property damage. That’s okay, y...

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  • Do Bad Faith Laws Change from State to State?
    Posted on: July 13, 2016

    Bad faith laws exist to make insurance companies accountable for providing the services for which their clients have paid. This is a complicated business, and catching fraudulent claims is an important part of maintaining a viable operation. On the other hand, insurers may act unethically through de...

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  • What Are the Most Common Insurance Scams?
    Posted on: July 1, 2016

    Being involved in a car accident is a source of significant stress. The prospect of repairs, dealing with insurance companies, and tending to your own healing can be challenge. But being part of a coordinated effort to scam you out of your hard-earned money can add exponentially to that stress. A...

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  • Is Pet Insurance Worth It?
    Posted on: June 22, 2016

    We do not think twice about paying our insurance premiums: it is the one crucial way to ensure our health and financial well-being are safe. Many people are considering this step for their pets as well. For most of us, pets are a part of the family. Pet insurance is gaining popularity as people thin...

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  • What Is the Importance of Objective Evidence in Your Disability Claim?
    Posted on: June 16, 2016

    Most of us pay our insurance policy premiums faithfully and on time. In exchange, we expect a timely payout of our benefits when we need them the most. Unfortunately, many insurance companies will do whatever they can to delay payment or not even pay out a policy at all. Though the majority of insur...

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  • What Does “Examination Under Oath” Mean?
    Posted on: June 7, 2016

    Does it ever surprise you that false information can provided while a person is being examined under oath? Although some may fail to grasp the importance of an examination under oath (EUO), it can lead to range of long-term consequences, such as the rejection of an insurance claim or an accusation o...

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  • How Do I Protect Myself When Hiring a Handyman?
    Posted on: June 1, 2016

    There are virtually countless reasons to hire a handyman. For example, you may be finalizing a DIY renovation or need help moving out of your house. But, where do you go to find a trustworthy contractor or responsible handyman? And how can you ensure your property and financials stay safe throughout...

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  • What Is ERISA?
    Posted on: May 25, 2016

    Businesses that operate in the United States are held to high standards. This covers everything from filing taxes and meeting manufacturing safety requirements to setting employee hours and providing adequate health insurance and retirement benefits. The government passes legislation to keep busines...

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  • Are Home Warranties Worth the Money?
    Posted on: April 21, 2016

    If you recently bought a new home, your realtor or closing attorney may have advised you to purchase a warranty. Home warranties are supposed to protect homeowners from the cost of catastrophic repairs to existing systems. Unfortunately, many new homeowners are disappointed to discover that home war...

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  • Should I Always Seek a Second Opinion When My Insurance Claims Are Denied?
    Posted on: April 13, 2016

    If you are in a situation where you need to file an insurance claim, the last thing you want to worry about is the insurance company rejecting your claim. This is especially true for health benefits that are supposed to assure coverage for medical bills. It is stressful enough to be sick or injured;...

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  • Insurance Terms You May Not Know – But Must Understand
    Posted on: April 6, 2016

    When the time comes to file an insurance claim, you may be surprised at how difficult the process is. Or, if you are presented a new contract, you could easily overlook an important detail and be left high and dry when you try to collect in the future. Luckily, if you stay informed about insurance p...

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  • When Would Someone Sue Under a Pseudonym?
    Posted on: March 30, 2016

    Suing can be a complex and sensitive process, so it is not surprising that people may want to refrain from using their real names. Most individuals must use their real names, though, whether they are suing or being sued. However, there are certain guidelines that permit a person to proceed anonymous...

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  • How to Spot Bad and Good Insurance Companies
    Posted on: March 16, 2016

    Insurance is necessary but you never really want to use it. Each month, we pay insurance companies to safeguard our most important assets, whether it's a car, home, or someone’s life. After years of making payments on time, the process of filing a claim can be surprisingly difficult. In spite of t...

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  • What Are the Most Common Pitfalls Associated With Life Insurance Claims?
    Posted on: March 9, 2016

    Life insurance is designed to make life easier for our loved ones after we’re gone. Unfortunately, many families run into obstacles when they try to file a claim. Anytime a life insurer fails to behave in accordance with the terms of a policy, the company is acting in bad faith. Here are some of t...

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  • How Does Cyber Insurance Work?
    Posted on: March 2, 2016

    In 2015, the Identity Theft Resource Center tracked 781 data breaches within the United States. The business sector is most vulnerable to breaches, followed by the health care and finance industries. For many enterprises, a data breach is not a question of if. It’s a question of when. Cybersecu...

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  • Can Undocumented Workers/Illegal Immigrants File Insurance Claims?
    Posted on: February 24, 2016

    Undocumented immigrants in the United States do have rights under the law. Anyone who suffers serious injury in an accident has the right to file an insurance claim for compensation. Immigrants, regardless of status, can obtain financial damages to cover the costs of medical expenses, lost wages, re...

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  • Can I Sue a Phone Provider for Denying a Cellphone Insurance Claim?
    Posted on: February 17, 2016

    Did you invest in a phone insurance policy the last time you purchased a cellphone? Smartphones can cost over $1000 to replace out-of-pocket, and many owners feel protecting their investment is worth the price of a few extra dollars each month. But what happens when your provider denies a legitimate...

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  • How Does Travel Insurance Work?
    Posted on: February 10, 2016

    If you travel for work (not a commute), your employer is responsible for your safety. However, if you take a trip to visit family, go on vacation, or for other personal reasons, you are responsible for the full cost of the trip. In most cases, you will arrive at and back from your destination withou...

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  • How do I File a Claim After a Natural Disaster?
    Posted on: February 3, 2016

    Natural disasters can leave your home in ruins. If you own your home, the long road to recovery first means contacting your insurance company to file a claim. Here’s what you need to know about natural disasters and insurance. Will My Homeowner’s Insurance Cover the Damage? Homeowner's insuran...

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  • Insurance Bad Faith Laws that Protect Arizona Consumers
    Posted on: January 27, 2016

    When you purchase insurance, state laws offer some level of protection against bad faith practices. As with any other contract, you expect an insurance company to operate in good faith and uphold its end of the contract as long as you are a customer with an open policy. However, many insurance compa...

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  • The 10 Worst Insurance Companies
    Posted on: January 20, 2016

    For many people, insurance is a necessary evil. You have to have it to drive, and in the event of a catastrophic accident, it can help you pay related expenses that you couldn’t pay on your own. However, insurance is expensive and even though you pay premiums, sometimes a company will deny your cl...

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  • What Can You Do if You Think the Insurance Company is Improperly Investigating Your Claim?
    Posted on: January 13, 2016

    When you file an insurance claim, you expect a certain level of professionalism during the investigation and settlement offer. However, insurance adjustors often face a conflict of interest during the course of an investigation. They need to abide by industry standards, but they will also try to min...

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  • How Much Do Insurance Companies Spend on Advertising?
    Posted on: January 6, 2016

    Mention Geico or Progressive, and memorable commercials of the gecko and Flo come to mind. Catchy ads, relatable characters, and memorable slogans are some of the ways insurance companies draw in consumers to purchase their products. This leads to higher revenues. Companies rely heavily on advertisi...

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  • 10 Surprising Things Most Homeowners Insurance Policies Don’t Cover
    Posted on: December 16, 2015

    Homeowners feel safe having insurance. We feel peace of mind knowing our homes are protected against a variety of different disasters and accidents. But because homeowners insurance is designed for the average American household, there are a few things it doesn’t cover. Here’s a list of 10 disas...

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  • 5 Auto Insurance Horror Stores From the News
    Posted on: December 9, 2015

    Auto insurance has many benefits, including protecting our health and our finances. The state of Arizona requires that we have coverage for our vehicles, but not everyone obeys that law. While it can protect us, it can also cause problems when it comes to receiving adequate compensation for our clai...

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  • What Is a Third Party Insurance Claim?
    Posted on: December 3, 2015

    When you file an insurance claim against another person’s policy, it’s a third-party claim. You might file a third-party claim if: You were involved in a car accident, you weren’t at fault, and the accident didn’t occur in a no-fault state. Instead of filing a claim with your provider, y...

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  • How Much Will It Hurt Your Claim If You Provided Inaccurate or Wrong Information on Your Insurance Application?
    Posted on: November 25, 2015

    Lying or failing to double check your insurance application could, in fact, hurt your ability to pursue compensation in a claim. Generally, the type of error and the surrounding circumstances will affect how much the inaccuracy will affect your ability to collect compensation. The worst-case scen...

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  • What Is Reverse Bad Faith?
    Posted on: November 18, 2015

    Reverse bad faith is a complicated legal concept the court rarely upholds. A policyholder brings a bad faith claim against an insurance company because the company was unreasonable, deceived the client, or otherwise did not uphold the conditions set forth in the policy. The insurance company typical...

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  • What to Do if an Insurance Company Misguides You
    Posted on: October 22, 2015

    Insurance law is so complex that it always seems like the giants have all the power. If an insurance company was acting in bad faith, how would you know? What do you do if you think an insurance company is unfairly denying a claim? Most importantly, if an insurance company deliberately lies to or mi...

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  • How Insurance Companies Get Out of Paying Claims
    Posted on: October 14, 2015

    When you are dealing with an illness, it can be stressful enough balancing mounting medical bills and missed work – not to mention the toll physical illness takes on the body. Dealing with an insurance company’s red tape only adds insult to injury. Insurance companies are experts at loopholes an...

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  • If an Insurance Company Denies You an X-Ray or MRI, Can You Sue?
    Posted on: September 23, 2015

    The time that you least feel like dealing with an insurance company is the time when you most often need to. If your health is poor enough to be utilizing your medical insurance, chances are good that dealing with phone call after phone call while your insurance company gives you the runaround is no...

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  • Examples of Bad Faith – Geico Insurance
    Posted on: August 26, 2015

    At Surrano Law Offices, we know that no matter how popular or well-advertised an insurance company is, it may not be taking care of you as well as it claims. In fact, the more the media pushes an insurance company through commercials, video, and internet, the more you as a client should take its cla...

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  • Examples of Bad Faith – State Farm Insurance
    Posted on: August 18, 2015

    Surrano Law Offices’ attorneys are determined to help you win your case, but more than that, we are determined to keep you from becoming a victim of fraudulent and unscrupulous people. It would seem, then, that our attorneys and staff wouldn’t have to worry about insurance companies because they...

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  • Examples of Bad Faith – Farmers Insurance
    Posted on: August 11, 2015

    At Surrano Law Offices, we know what insurance truly is meant to do. It is there to protect you when death, destruction, or natural disasters find their way into your life. Unfortunately, not all insurance companies believe the same thing. Every insurance company has good agents, but some are simply...

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