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  • Hailstorm Insurance Claims
    Posted on: September 18, 2017

    Hailstorms are not for Arizona citizens to take lightly. Hail has caused significant property damage and serious personal injuries throughout the state. Hailstorms occur when rainwater droplets in a thunderstorm exceed the freezing level. This creates hailstones, which can grow as more water droplet...

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  • Do I Need Earthquake Insurance in Arizona?
    Posted on: September 11, 2017

    Earthquakes occur when a sudden release of energy from a moving tectonic plate causes seismic waves that shake the ground. Earthquakes can cause extreme damage, taking lives and destroying homes. Hundreds of people have suffered property damage from earthquakes over the years in Arizona. Statistics ...

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  • Is My Neighbor Liable if His/Her Tree Hit My House?
    Posted on: September 4, 2017

    Your own property takes enough time and effort – your neighbor’s trees probably aren’t on your radar. If one falls on your car or home, it suddenly becomes your problem however. Whether a bad storm led to the tree falling or if your neighbor simply lacks skill with a chainsaw, learn who may be...

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  • Top Tips for Filing Fire Insurance Claims
    Posted on: August 19, 2017

    You faithfully pay your homeowner’s insurance premiums on time and in full – but you never thought you would have to use your policy. If you have recently survived a fire in your home, you may be feeling devastated and confused. These feelings are normal, as is the apprehension about filing a cl...

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  • Tips for Buying the Right Fire Insurance Policy
    Posted on: August 12, 2017

    While most homeowners enjoy fire protection under their homeowner’s insurance policy, business owners must purchase additional coverage to protect their investment from fire. Your fire insurance policy plays an integral role in protecting your business, but these policies vary from company to comp...

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  • What is the Essential Proof I Need to File a Claim?
    Posted on: August 5, 2017

    Being involved in an accident, no matter how minor, can be both stressful and confusing. Whether you’re dealing with injuries or just property damage, the insurance claims process can be long and frustrating, especially when someone else’s negligence was to blame. If you recently incurred injury...

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  • What Is Insurance “Twisting” and “Churning”?
    Posted on: July 20, 2017

    Insurance “twisting” and “churning” are types of bad faith actions that involve an insurance company persuading policyholders to surrender policies or let them lapse only to replace the policy at the detriment of the policyholders. Most people use the terms interchangeably, but insurance “...

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  • What Happens When a Life Insurance Policy Is Unclaimed or Unpaid?
    Posted on: July 13, 2017

    When a policyholder passes away, insurance companies don’t always take it upon themselves to search for surviving beneficiaries. Although insurers have access to death records, they often don’t take notice of policyholder deaths and delay payouts as long as possible – until the beneficiary mak...

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  • What Is Parked Car Insurance?
    Posted on: July 6, 2017

    Not all vehicle damage comes from car crashes or high-speed collisions. Sometimes, your vehicle sustains damage while parked. Your vehicle is a sitting duck, vulnerable to all types of expensive damage. A hailstorm might crack your windshield, a vandal may decide to strike, or a tree might fall. Sin...

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  • What Should I Do if I Can’t Afford My Life Insurance Premiums?
    Posted on: June 21, 2017

    When you signed up for your current life insurance policy, you had the means to pay the premiums. Now, you’ve lost your job or taken on extra financial responsibilities and you can no longer afford your premiums. Does this mean your insurance company will drop your coverage? Not necessarily; howev...

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  • Can Unmarried Couples Get Life Insurance?
    Posted on: June 21, 2017

    Life insurance can provide your family with financial support after you pass away. It is a smart financial strategy that many people with beneficiaries use to cover unexpected expenses or serve as inheritance money. Life insurance can pay off final costs, repay debts, replace income, pay taxes, or e...

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  • Why Does Life Insurance Get Denied?
    Posted on: June 7, 2017

    After a loved one passes away, the last thing a surviving family member wants to deal with is bad news from a life insurance company. Unfortunately, life insurance companies deny claims all the time – sometimes for valid reasons, other times for no reason at all. If you’ve recently received a cl...

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  • What’s the Difference Between Water Damage and Flood Damage?
    Posted on: May 23, 2017

    Filling out insurance forms for any type of property damage can be an intricate and complex process. Insurance companies do not make it easy for policyholders to recover for damages. When completing insurance claim forms for water damage in your home, it can be easy to make a detrimental mistake –...

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  • What is a “Misrepresentation of a Material Fact”?
    Posted on: May 16, 2017

    Filing an insurance claim can be confusing. Legal jargon, fine print, and red tape can get in the way of a settlement you genuinely deserve. Insurance companies do not make it easy for policyholders to file claims. If you don’t understand the form you are filling out in its entirety, you risk a re...

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  • What You Need to Know About Filing Cruise Ship Claims
    Posted on: May 9, 2017

    A cruise ship may be a vacation spot, but it’s a property like any other – it can be home to personal injury accidents such as slips and falls, illnesses, and food poisoning. Knowing your rights after a cruise ship injury can be difficult. You may hear that your ticket acts as a contract, signin...

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  • Dos and Don’ts of Dealing With the Insurance Company on Your Property Claim
    Posted on: April 13, 2017

    After a damaging accident, one of your first courses of action is to repair the property damage to your vehicle, home, or other property. Once you notify your own insurance company (or the company of the other driver) of your losses, it will assign an insurance claims adjuster to your case. The adju...

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  • What Is Life Insurance Incontestability?
    Posted on: April 6, 2017

    If you recently lost a loved one, you may have come across the phrase “life insurance contestability.” After the death of someone who provided you with financial support, the insurance company may delay or even deny your life insurance claim due to something called a “period of contestability....

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  • What is Juvenile Life Insurance?
    Posted on: March 23, 2017

    Life insurance offers financial security to loved ones after death. For years, people have considered life insurance policies before getting married or having children. Today, some insurance companies also sell life insurance to cover children. While juvenile life insurance makes sense for some fami...

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  • What is the Genuine Dispute Defense?
    Posted on: March 16, 2017

    During a bad faith case, the defense may raise several arguments, including adherence to the statute of limitations, breach of contract, and genuine dispute. The genuine dispute defense asserts that the action in question was not an act of bad faith but rather a reasonable mistake. Bad faith only oc...

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  • What is the Statute of Limitations for Bad Faith in Arizona?
    Posted on: March 9, 2017

    The state of Arizona imposes a general two-year statute of limitations on most personal injury and bad faith claims. While the state adheres to a statute of two years, your insurance contract may include a different agreement. Wronged policyholders must understand their policies to ensure the viabil...

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  • What is the Employee Benefits Security Administration?
    Posted on: February 20, 2017

    The Employee Benefits Security Administration (EBSA) is a branch of the United States Department of Labor. The Department of Labor oversees the working conditions in the United States and ensures that American employers follow all applicable safety regulations. The EBSA also manages workers, retiree...

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  • Can You Get Disability for Back Pain?
    Posted on: February 13, 2017

    Disability benefits exist to help people who cannot work maintain their standard of living. In most cases, disabilities develop over time due to wear-and-tear from daily work or medical conditions. Sometimes injuries cause permanent disabilities that prevent the injured person from returning to work...

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  • What is the Kiddie Tax?
    Posted on: February 6, 2017

    The Tax Reform Act of 1986 changed many aspects of the U.S. tax code, and included the introduction of the Kiddie Tax. Before the kiddie tax, children’s income, either earned or unearned, was taxed at a lower rate than income earned by adults. This encouraged many parents to put their assets in th...

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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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