- How Do Insurance Companies Use Intimidation Tactics?
Posted on: January 23, 2018
Going up against an insurance company can be daunting. They have a team of attorneys trained to find holes in your case. While intimidation tactics are never condoned, they are still used by many companies. In order to recognize these tricks, it is helpful to know some of the most common ways insura...Read More »
- How to Appeal a Denied Claim
Posted on: January 16, 2018
One of the most difficult and inconvenient issues to deal with after an accident or incident that disrupts your life is having an insurance claim denied. A claim denial is like adding insult to injury. There are ways to push back against the insurance company’s decision and get the compensation yo...Read More »
- How to File a Claim After a Wildfire
Posted on: January 9, 2018
Wildfires have become a significant danger throughout the western region of the United States. Arizona’s dry climate only feeds this issue. Therefore, it is important to know how to file an insurance claim if your house sustains damage from a wildfire. Documentation Is Essential If you have alre...Read More »
- Why Is the Insurance Company Offering So Little for My Injury?
Posted on: December 19, 2017
Many people operate under a false assumption that insurance companies exist to provide relief to those affected by unpredictable tragedies and the negligence of others. The reality is that insurance companies are businesses that exist to turn a profit. When insurance companies pay out on policy clai...Read More »
- Legal Issues Following Floods
Posted on: December 12, 2017
The southern United States recently suffered devastating losses during hurricane season, with several record-setting hurricanes causing catastrophic damage along the Gulf and East coasts. During a severe flood, a state government or the federal government may declare a state of emergency, freeing up...Read More »
- Is a Drastic Increase in Insurance Cost an Act of Bad Faith?
Posted on: December 5, 2017
Insurance companies operate as businesses; therefore, they exist to make money. Their products are essentially paid promises. An individual purchases an insurance policy and pays a monthly premium to maintain coverage under that policy, and the insurance company promises to cover the policy’s cont...Read More »
- How to Prove the Value of Your Losses from Theft
Posted on: November 20, 2017
No one plans on an invader robbing his or her home, but it does happen. Many of us just assume it won’t happen to us. Still, we all have some kind of home or renter’s insurance to protect our belongings. However, it won’t matter if you can’t prove what you had. The key to recovering from suc...Read More »
- Know Your Options Before Replacing Your Roof
Posted on: November 13, 2017
Your home is a big investment and your roof is one of its most important and expensive components. After all, it covers your home and protects it from the vagaries of mother nature. You should know what options you have regarding insurance claims. Here are some things you need to know about your roo...Read More »
- Nine Reasons People Do Not Buy Life Insurance
Posted on: November 6, 2017
Despite the clear advantages to purchasing life insurance, many people often procrastinate when it comes to actually committing to the idea. These are some of the reasons why. Price One barrier to buying life insurance is the price. Many consider it too expensive to add to more pressing needs in ...Read More »
- What Kinds of Water Damage Are Covered and What Kinds Aren’t?
Posted on: October 18, 2017
Water damage can wreak havoc on a home. In fact, you might not even know about water damage until you notice mildew, mold, or rotting wood in your household. Remediation can be expensive, so it’s essential to know what kinds of damage are covered under your policy. While every policy is different,...Read More »
- What Are Some Home Renovations That Can Alter Your Home Insurance?
Posted on: October 11, 2017
A home renovation can improve the home’s value while providing more functional living space for your family, but did you know it could affect your homeowner’s insurance policy? Anything that changes the structure of your home or its use could affect your coverage. Here are some common examples o...Read More »
- How to File a Smoke Damage Insurance Claim
Posted on: October 4, 2017
Cleaning up after a fire can be a daunting prospect. After all, fire is responsible for only part of the damage to your home or business – many individuals also have to contend with water damage and smoke damage throughout their homes. While fire may not have damaged all your possessions, there is...Read More »
- 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...Read More »
- 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 ...Read More »
- 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...Read More »
- 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...Read More »
- 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...Read More »
- 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...Read More »
- 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 “...Read More »
- 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...Read More »
- 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...Read More »
- 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...Read More »
- 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...Read More »
- 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...Read More »
- 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 –...Read More »
- 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...Read More »
- 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...Read More »
- 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...Read More »
- 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....Read More »
- 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...Read More »
- 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...Read More »
- 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...Read More »
- 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...Read More »
- 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...Read More »
- 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...Read More »
- 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...Read More »
- 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 ...Read More »
- 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 ...Read More »
- 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 ...Read More »
- 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...Read More »
- 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...Read More »
- 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...Read More »
- 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...Read More »
- 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...Read More »
- 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. ...Read More »
- 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...Read More »
- 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 ...Read More »
- 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...Read More »
- 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...Read More »
- 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...Read More »