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  • What Happens When My Auto Insurance Won’t Pay My Claim?  
    Posted on: December 17, 2021

    As a driver in Arizona, it is more likely a matter of when you will get into a car accident than if. Unfortunately, it can be difficult to negotiate with a car insurance company after a collision, as they tend to put their profits over helping crash victims. Withholding benefits and wrongfully rejec...

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  • Will the Coronavirus Outbreak Affect My Long-Term Disability Benefits?
    Posted on: December 10, 2021

    During the unprecedented coronavirus/COVID-19 outbreak, people with disabilities need help more than ever. The process of obtaining disability benefits is complicated enough without the global pandemic making things more challenging. To find out how the virus might affect your long-term disability b...

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  • Benefits of Hiring a Bad Faith Insurance Attorney
    Posted on: November 12, 2021

    Insurance bad faith is a dishonest practice that can get in the way of your ability to obtain the financial compensation that you need to recover from an accident, such as a car crash or natural disaster. If you encounter bad faith tactics during an insurance claim, it can be critical to hire a Phoe...

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  • What’s the Difference Between Insurance Fraud and Acting in Bad Faith?
    Posted on: October 20, 2021

    It can be difficult to get through an insurance claim on your own as a claimant. You may face many unfair or even illegal business practices from the insurance provider during the claims process. While both insurance fraud and acting in bad faith involve deception to achieve financial gain for the i...

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  • How Do I File a Bad Faith Claim Against a Health Insurance Company?
    Posted on: October 10, 2021

    All insurance providers have a legal duty to treat their clients in good faith and fair dealing. This means that they must handle claims in an honest and reasonable attempt to resolve them according to applicable laws and policy terms. If a health insurance company fails to live up to this standard ...

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  • 6 Common Bad-Faith Issues in Commercial Insurance
    Posted on: September 27, 2021

    In an attempt to protect its own profits, a commercial insurance company may engage in bad-faith practices when handling a claim. Bad faith means that the company is breaching its legal obligation to handle a claim in good faith, or honestly and ethically according to Arizona’s insurance laws. If ...

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  • 5 Types of Commercial Business Insurance Coverage Bad-Faith Insurance Applies To
    Posted on: September 10, 2021

    Insurance bad faith means that an insurance provider is failing to fulfill its legal obligation to handle a claim reasonably, fairly and properly. Bad faith is a way for an insurance company to save money on a payout. If you need to file a claim under a commercial business insurance policy in Arizon...

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  • Elements of a Bad-Faith Insurance Claim
    Posted on: August 25, 2021

    Federal and state laws require insurance companies to treat their clients in good faith, meaning in an honest and reasonable attempt to resolve the claim. Unfortunately, insurance companies are for-profit businesses that often engage in practices that are designed to save them money. These include b...

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  • Contract Law Versus Tort Law
    Posted on: August 10, 2021

    The different types of law are distinct from one another. Each type has its own rules and regulations. For example, contract law often involves business disputes, while tort law deals with negligence and injuries. There are situations, however, where two or more areas of law can intersect. What Is ...

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  • 5 Things an Insurance Company Doesn’t Want You to Know About Bad Faith Claims
    Posted on: July 15, 2021

    If you get injured in an accident or your property is damaged in a natural disaster, recovering fair financial compensation requires dealing with an insurance company. Unfortunately, many insurance companies choose their own profits over the good of their clients. This can lead to challenges in obta...

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  • What To Do If Your Insurance Company Is Underpaying You
    Posted on: July 8, 2021

    After a disaster leaves you with physical injuries and property damage, the last thing you might expect is your insurance company making it unreasonably difficult to achieve a fair settlement. Unfortunately, insurance companies are notorious for mishandling claims and using various tactics to underp...

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  • Reasons for Health Insurance Claim Denial
    Posted on: June 22, 2021

    Having an injury or illness that requires professional medical treatment is distressing enough. If you submit a claim with your health insurance company for coverage that gets denied, you can face even more stress and financial hardship. You may be able to file an appeal to get the insurance company...

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  • First-Party vs. Third-Party Bad Faith: What’s the Difference?
    Posted on: June 10, 2021

    During an insurance claim, an insurance company has a legal and ethical obligation to treat you fairly as a claimant. If the insurance company carelessly or intentionally mishandles your claim, it is guilty of insurance bad faith. If you are the victim of bad faith, you may be entitled to financial ...

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  • Can Insurance Companies Be Held Liable for Delaying an Injury Claim?
    Posted on: May 23, 2021

    Filing an injury claim should not mean waiting for an insurance company as it unnecessarily delays processing or payout. Unfortunately, insurance companies will try many tactics to avoid paying claims, including unnecessary or unethical delays. If an insurance company is intentionally delaying an in...

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  • Understanding Underpaid Home Insurance Claims
    Posted on: May 10, 2021

    If your home or property gets damaged from a storm, fire or another event, a homeowners insurance claim can provide the funds you need to restore and rebuild. Unfortunately, insurance companies often try to protect their profits by undervaluing and underpaying claims. As a claimant, it is critical t...

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  • What If I Disagree With the Adjuster on My Property Insurance Claim?
    Posted on: April 30, 2021

    If an incident occurs that damages your home or property, you may assume your homeowners insurance company will be there to pay for your repairs. Unfortunately, insurance companies and their claims analysts – known as insurance claims adjusters – are notorious for undervaluing repairs and wrongf...

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  • Claim Denials Due to Lapsed Life Insurance
    Posted on: April 15, 2021

    With a life insurance policy, you pay an insurance provider a premium every month in exchange for financial benefits for your family if something should ever happen to you. A valid life insurance policy that is up-to-date on its payments will give your beneficiaries financial security if you pass aw...

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  • Understanding Your Long-Term Disability Policy
    Posted on: March 30, 2021

    If you suffer a debilitating injury that makes you unable to work, you may qualify for long-term disability (LTD) insurance coverage through your employer or a personal insurance plan. LTD coverage can help you pay the bills after an injury that permanently takes you out of work. Unfortunately, d...

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  • How Long Does It Take to Get Disability Insurance Benefits?
    Posted on: March 15, 2021

    If you are eligible for disability insurance benefits, you likely hope to receive your first check as soon as possible so you can pay your bills and provide for your family. Unfortunately, it is common for insurance companies to delay payments – both for valid and invalid reasons. If you are exper...

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  • Limits of Health Insurance Coverage
    Posted on: February 19, 2021

    Health insurance coverage for medical expenses is not unlimited. It may surprise you to find that your health insurance coverage has certain limits, exceptions, and benefit caps. The more you know about what your health insurance does and does not cover, the more you can protect yourself from unwelc...

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  • Short-Term vs. Long-Term Disability Insurance
    Posted on: February 12, 2021

    Suffering an injury that temporarily or permanently takes you out of work can lead to significant financial stress for you and your family. You may be eligible for short-term and/or long-term disability insurance benefits to help bridge the gap between your former income and what you make now. Find ...

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  • How to File a Business Interruption Claim for COVID-19 With State Farm
    Posted on: January 14, 2021

    Yours is not the only business suffering because of the COVID-19 pandemic. Millions of businesses across the globe are facing immense financial hardships due to government restrictions on shopping indoors, as well as strict regulations and stay-at-home orders. As the novel coronavirus outbreak conti...

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  • Filing a COVID-19 Business Interruption Claim With Farmers
    Posted on: January 7, 2021

    COVID-19 has substantially affected businesses. Forced closures and government regulations such as shelter-in-place orders have diminished the number of customers and sales, putting many businesses in extremely precarious positions. If you own a business and are struggling to make ends meet during t...

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  • How to File a COVID-19 Business Interruption Claim with Nationwide
    Posted on: December 11, 2020

    Millions of businesses have had to temporarily shut their doors due to the COVID-19/coronavirus pandemic. Some had a small break when regulations across the country eased, but a second wave of restrictions is now underway as COVID-19 cases surge. Shutdowns and sharp decreases in sales for the better...

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  • Does Business Interruption Insurance Cover Payroll?
    Posted on: December 4, 2020

    Business interruption insurance is a type of policy that can cover a company’s financial losses after an event or disaster, such as a fire. This insurance can keep a business afloat if it has to shut its doors during reconstruction or renovations. A business can recover damages such as missed reve...

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  • What Is Concurrent Causation?
    Posted on: November 21, 2020

    Not all property damage results from just one cause. In many cases, multiple causes occur at once to contribute to damages incurred. This is referred to as concurrent causation in the insurance world. An example is storm damage from both wind and flooding. In this case, the client would technically ...

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  • How Could Concealment Affect Your Insurance Claim?
    Posted on: November 10, 2020

    The average injury insurance claim comes with issues and complications that make it more difficult to obtain fair compensation for the client’s losses. If you get injured in an accident in Arizona, approach the insurance process with caution. One problem to look out for is the possibility of conce...

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  • Disability Eligibility for Workers Laid Off During COVID-19
    Posted on: October 14, 2020

    The law may entitle you to disability insurance benefits if you cannot continue working due to a personal injury or illness. The novel COVID-19 pandemic has led to many questions for those who are out of work due to the illness. Insurance providers have not always made it clear whether or not they w...

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  • COVID-19 Insurance Fraud & Scams
    Posted on: October 7, 2020

    The coronavirus (COVID-19) pandemic has made many major changes in the world and your personal life. You may be feeling vulnerable after losing your job, getting sick or caring for a loved one with COVID-19. Unfortunately, some people wish to take advantage of this vulnerability to profit. Organizat...

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  • How Long Does it Take for an Insurance Company to Pay Out a Claim?
    Posted on: September 8, 2020

    After an accident, you will typically be responsible for paying for your own medical bills and property damages until the insurance company settles your claim. It can be difficult to wait to receive your payment, especially when you are not sure how long the wait will be. The timeline for settling y...

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  • Communicating Effectively With an Insurance Company
    Posted on: September 1, 2020

    Slogans and commercials from insurance companies might make you think they are on your side…until it comes time to file a claim. Insurance companies have one main goal—to save their investors money. Insurance companies profit by using tactics to minimize payouts for clients. It is important to t...

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  • What Is a Loss Payable Clause?
    Posted on: August 17, 2020

    Read the fine print on an insurance policy carefully to understand exactly what to expect should a claim arise. Your policy may contain several clauses or provisions that alter your rights or options after suffering a loss. One of these provisions might be a loss payable clause—a standard endorsem...

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  • What Is Substandard Insurance?
    Posted on: August 10, 2020

    Insurance is an important investment that can provide peace of mind for an individual and his or her family. Although most people are eligible for different types of insurance, not everyone is a prime candidate. With life insurance, for example, some applicants may have health issues or histories th...

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  • Business Interruption Insurance Terms to Know
    Posted on: July 17, 2020

    Businesses are suffering amid the COVID-19 pandemic. Lack of foot traffic, governmental health regulations, shelter-in-place orders, and social distancing guidelines have made it difficult or impossible for many businesses to continue operating. Business interruption insurance is one possible soluti...

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  • Can COVID-19 Lead to a Workers’ Comp Claim in Arizona?
    Posted on: July 14, 2020

    With the number of COVID-19 cases constantly on the rise, more employees are wondering about their rights if they contract the virus while at work. Normally, workers’ compensation in Arizona covers all occupational injuries and illnesses. During the novel coronavirus pandemic, however, some insura...

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  • What is an Insurance Grace Period?
    Posted on: June 25, 2020

    An insurance grace period is an extension an insurance company may give to a client after he or she misses a payment prior to canceling coverage. It is a set amount of time in which the client will still have insurance coverage despite being in arrears on a payment. An insurance grace period can con...

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  • What Should I Do if My Short-Term Health Insurance Claim is Denied?
    Posted on: June 16, 2020

    Dealing with a health insurance company during a claim can be difficult, especially while you are simultaneously coping with a medical condition. Insurance companies often do not make the claims process easy for clients. They may deny valid claims, unreasonably delay payouts, or use other tactics to...

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  • Does Health Insurance Cover Coronavirus?
    Posted on: May 26, 2020

    The novel coronavirus, also referred to as COVID-19, has taken close to 100,000 lives in the US as of mid-May, according to the Centers for Disease Control and Prevention. It has put over one million people in the hospital. Aside from health-related fears, many patients also worry about how to affor...

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  • COVID-19 and Commercial Property Insurance
    Posted on: May 26, 2020

    COVID-19, also called the novel coronavirus, has had a substantial impact on the economy. With mandatory stay-at-home orders and closures of nonessential businesses, the US’s economy is reeling from the impact of the virus. The coronavirus is forcing many business owners to seek alternative means ...

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  • What is the Doctrine of Utmost Good Faith?
    Posted on: April 28, 2020

    Dealing with an insurance company can be difficult. You will have to contend with a lot of paperwork, rules and red tape to obtain coverage through an insurance policy. One of the protections you have as a consumer, however, is the legal obligation of good faith. The doctrine of utmost good faith is...

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  • Health Insurance That Doesn’t Cover the Bills
    Posted on: April 27, 2020

    Bloomberg highlights Surrano Law Offices and its efforts to help those with short-term health insurance who have been denied coverage. Click the link below to read the Bloomberg article, and learn how Surrano Law Offices may be able to help you: Surrano Law Offices Takes on Short Term Health I...

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  • Should I Purchase Long Term Care (LTC) Insurance?
    Posted on: April 24, 2020

    Long term care insurance (LTC) is a critical type of insurance for people with health needs such as permanent disabilities, long-term illnesses or the inability to care for themselves. LTC insurance can mean the difference between struggling for care and living comfortably. If you are curious about ...

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  • Filing an Insurance Bad Faith Claim in Arizona
    Posted on: February 13, 2020

    Bad faith is any action or omission from an insurance company that does not come from a good faith attempt to resolve the client’s claim. Good faith is an insurer’s legal and ethical responsibility to treat a claim fairly, reasonably, and within the confines of the law. If an insurance company...

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  • What Is Breach of Contract?
    Posted on: February 4, 2020

    A breach of contract might occur if an insurance company fails to fulfill its end of the terms in your policy. A contract is a legal document, typically written but sometimes verbal, that governs the terms of an agreement between two parties. In Arizona, a breach of contract occurs when one party v...

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  • Do Punitive Damages Apply to Bad Faith Claims?
    Posted on: January 15, 2020

    If an insurance company takes advantage of you and engages in bad faith tactics, you could suffer the consequences. Bad faith could rob you of the settlement amount your injuries demand or lead to further damages while you wait for an unfairly delayed payout. An insurance company handling your cla...

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  • Choosing the Right Insurance Bad Faith Attorney in 2020
    Posted on: January 15, 2020

    Combatting an insurance company’s unfair or illegal tactics during your injury claim may take help from an insurance bad faith attorney. Insurance companies have plenty of experience minimizing payouts and taking advantage of clients. You will need to know how to navigate claims adjusters, contra...

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  • ERISA Vs. Non-ERISA. What’s the Difference?
    Posted on: December 26, 2019

    If you own a business, you may hear the terms ERISA and non-ERISA. These are two different types of retirement plans you could offer your employees. An ERISA plan is one you will contribute to as an employer, matching participants’ inputs. ERISA plans must follow the rules of the Employee Retirem...

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  • 6 Tips to Finding a Trusted Insurance Provider
    Posted on: August 26, 2019

    Not all insurance carriers are created equal. Some engage in practices known as bad faith. Every insurance company has a legal duty to treat clients in good faith, meaning they must act honestly and fairly when handling claims. Bad faith insurance could involve tactics to get out of paying claimant...

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  • An Insurance Agent’s Responsibilities
    Posted on: January 16, 2019

    When you speak with an insurance agent, you trust that he or she will act in your best interest. Under state and federal regulations, government bodies obligate insurance brokers to act in your best interest, if you are an insurance purchaser. Depending on their state, insurance agents must uphold a...

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  • Why Do Insurance Companies Delay Claims?
    Posted on: December 30, 2018

    Insurance companies are for-profit businesses that function by selling paid promises of coverage for specific events. For example, a driver pays for auto insurance that covers damages in the event of an accident, and the premiums that driver pays fluctuate based on his or her perceived risk level. I...

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