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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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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 ...

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...

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...

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...

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...

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 ...

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...

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...

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...

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...

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 ...

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 ...

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...

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...

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 ...

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...

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...

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...

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 ...

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...

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...

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...

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...

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...

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...

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...

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 ...

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...

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...

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...

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...

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 ...

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...

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...

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...

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...

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...

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...