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  • Which Health Insurance Companies Deny Claims the Most? Arizona Health Insurance Plan Denial Rates
    Posted on: October 24, 2022

    Regardless of industry, denying claims is a fundamental part of the business model of insurance companies.  This is no different when it comes to health insurance.  While many claims are denied for valid reasons, insurers routinely unjustly deny or delay the value of those claims.  When that happ...

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  • 4 Reasons Insurance Companies Will Deny Your Fire Claim
    Posted on: September 3, 2022

    A house fire or wildfire that reaches your home can be devastating. You may lose everything you own, suffer physical injuries and experience the death of beloved pets. One of the first steps toward rebuilding and moving forward is collecting financial compensation for the fire from your insurance co...

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  • What Causes Your Insurance Premium to Go Up?
    Posted on: September 1, 2022

    You may spend a significant amount of money each month protecting what is most valuable to you, such as your car, home or business, by purchasing different types of insurance. No policyholder wants the unwelcome surprise of suddenly receiving a higher insurance bill in the mail. Understanding common...

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  • Can You Sue Your Own Homeowners Insurance?
    Posted on: August 3, 2022

    Most home and property owners in Arizona assume their homeowners insurance companies will pay for any property damage, personal injuries or losses suffered in a covered incident. After all, this is why you pay your insurance premiums every month – so that you’re covered in the event of an unexpe...

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  • When Can You Sue Your Neighbor’s Homeowners Insurance?
    Posted on: August 1, 2022

    If you were on your neighbor’s property when you suffered a serious injury, you may be able to file a claim against your neighbor’s homeowners insurance policy for coverage for your medical bills. Similarly, if your neighbor was negligent and this caused you property damage or negatively impacte...

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  • Do I Need a Police Report to File My Insurance Claim?
    Posted on: July 3, 2022

    If you get injured or your property gets damaged in any type of accident in Arizona, it’s a good idea to notify the police. Law enforcement can send paramedics and investigators to the scene of the accident to assist victims and collect information. The police report that gets drawn up will contai...

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  • Can I Sue My Insurance Agent for Their Mistakes?
    Posted on: July 2, 2022

    An insurance claim is confusing enough without also having to deal with bad faith practices committed by the insurance company or one of its representatives. Bad faith means that an insurance company has failed to meet its obligation to process your claim in an honest, fair and good-faith attempt to...

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  • How Do You Prove Bad Faith in Court?
    Posted on: June 6, 2022

    Some insurance companies may be guilty of a tort – or wrongdoing – known as bad faith in an attempt to protect their profits. If you can prove bad faith in court, you can receive financial compensation not only for your original insurance claim but for the insurance company’s misconduct agains...

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  • Who Represents the Insurance Company During a Bad Faith Insurance Lawsuit?
    Posted on: May 2, 2022

    Insurance companies are obligated to handle claims in good faith, meaning with due care toward the interests of the claimant and in an honest attempt to resolve the claim. Unfortunately, it is common to encounter problems with an insurance claim, such as an insurance company avoiding a payout with d...

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  • How Long Does the Insurance Company Have to Respond to a Demand Letter in Arizona?
    Posted on: May 1, 2022

    When you get in an accident, you need the insurance company responsible for your damage claim to respond as quickly as possible, so that you can move forward with your life. While it’s important not to rush the settlement process, it’s also in your best interest to know that an insurance company...

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  • How Long Does an Insurance Company Have to Settle a Claim in Arizona?
    Posted on: April 13, 2022

    Once you have done your part by submitting a claim to an insurance company in Arizona, you have no choice but to sit and wait for the company to respond. Luckily, you don't have to wait indefinitely – Arizona law gives insurance companies strict deadlines by which they must respond to claims and s...

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  • Arizona Car Insurance Laws
    Posted on: April 12, 2022

    Understanding and obeying Arizona's car insurance laws are your responsibilities as a driver. As is the case in all 50 states, proof of financial responsibility in the form of car insurance is a requirement in Arizona before you can register a motor vehicle. Your car insurance policy must meet certa...

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  • Timeline for Arizona Auto Insurance Claims
    Posted on: March 21, 2022

    After an event as traumatic as a car accident, it is normal to want the legal process to be over as quickly as possible. No crash victim wants the auto insurance claims process to drag on longer than is necessary. It is important, however, to take your time and not rush into a fast settlement. This ...

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  • 5 Methods Insurance Companies Use to Deny Claims
    Posted on: March 10, 2022

    If you need to file an insurance claim in pursuit of compensation for hospital bills or other expenses after an accident, you may assume that the insurance company is on your side. Although insurance providers carefully market themselves this way, the truth is that insurers want to save as much mone...

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  • 8 Reasons for a Property Insurance Claim Denial
    Posted on: February 25, 2022

    Dealing with a property insurance claim is difficult enough on its own. When you unexpectedly receive a claim denial from your insurance company, the recovery process can be even more insurmountable. While every situation is unique, there are several common reasons why insurance companies tend to de...

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  • Tips When Talking to an Insurance Adjuster
    Posted on: February 15, 2022

    An insurance claims adjuster is the person assigned to review your case and make recommendations to the insurance company after you file a claim. Knowing how to deal with an insurance adjuster is imperative, as this person does not want what is best for your claim and can use many tricks to take adv...

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  • 5 Ways Insurance Companies Can Wrong Their Clients
    Posted on: January 20, 2022

    Even if you always pay your premiums on time and have been a loyal policyholder for many years, your insurance company may not support you when it comes time to process a claim. Insurance companies are known for doing what they can to diminish payouts – even if it means knowingly wronging a client...

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  • What Is the Arizona Unfair Claim Settlement Practices Act?
    Posted on: January 10, 2022

    The failure of an insurance company to handle a claim fairly and in accordance with good-faith business practices is so common that many states, including Arizona, have passed laws that specifically ban these behaviors. One of these laws in Arizona is the Unfair Claim Settlement Practices Act. This ...

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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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