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Prior to 2019, the Affordable Care Act imposed a tax penalty on United States residents who do not have a health insurance plan that meets its requirements. However, this tax penalty has changed after January 1st, 2019 due to new rules under the Trump Administration. Do you still need health insuran...

Insurance policies should not confuse you. Your plan should clearly state what your plan covers, the amount of funds you can claim in the event of an accident, and the process for filing a claim, among other crucial pieces of information. However, some insurance policies can feel complicated and con...

When you are purchasing car insurance, you expect the best coverage and lowest premiums possible. However, certain factors can drive up your rates and affect the amount of coverage you receive. These factors can later affect your car insurance claims when you attempt to collect funds after an accide...

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...

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...

It is crucial for all insurance policyholders to remember that insurance companies are in business to make money. No matter how an insurance company presents itself, the company is ultimately a for-profit organization that will attempt to avoid paying out on claims whenever possible. Insurance compa...

When an insurance policy covers a policyholder, certain situations exist in which the insurer has a duty to defend an insured party. It is essential to understand the elements of the duty to defend when it comes to insurance coverage. A Phoenix insurance bad faith attorney can help an insured party ...

Many accident liability insurance policies have very clear guidelines as to which events may qualify for claims. One issue that may cause problems for claimants is the concept of a “sole cause” provision. A sole cause provision may state something like, “this policy covers an accidental injury...

Business owners and professionals have myriad insurance concerns; one of the biggest is typically professional liability insurance. This type of coverage can protect a professional or a business owner from liability for damages resulting in errors, omissions, or honest mistakes that result in damage...

When an individual suffers injuries at work, he or she will likely qualify for workers’ compensation benefits or an insurance settlement to cover his or her damages, including medical expenses and lost wages. However, securing compensation for a workplace injury is far more difficult than simply f...

A bad faith insurance claim can help an injured person recover after an unwarranted denial of a valid insurance claim or other acts of bad faith from insurance companies. An insurance policy is essentially a paid promise that an insurer will cover events and provide compensation within the scope of ...

If you suffer an injury that leads to an insurance claim, the insurance company will want to know that the circumstances and amount of damages in your claimed event fall within the scope of your coverage. Once the insurer approves a claim and submits a verified payment to a claimant, the insurer may...

The Eight Corners Rule is essentially a legal obligation of an insurer to defend an insured policyholder involved in a legal dispute. The allegations made in a complaint will trigger the insurer’s duty to defend an insured party if the allegations fall within the scope of the insured’s coverage....

Business owners and homeowners should have a firm understanding of their property insurance coverage. A robust insurance plan should cover various aspects of risk facing a property, and any gaps in property insurance can lead to potentially frustrating and expensive insurance issues. One of the best...

If your home or business suffered damage from a covered event, you should be able to rely on your insurance coverage and file a property insurance claim. While it may seem straightforward at first, many claimants quickly learn that seeking an insurance claim is an extraordinarily complicated process...

After any type of disaster or other incident that results in property damage, one of the most important decisions to make is hiring a contractor to handle your repairs. While this may sound relatively straightforward, finding the right contractor to handle your property damage claim may be challengi...

Consumers must take certain steps to protect themselves and ensure his or her insurance company is providing adequate coverage. Unfortunately, many scams exist that seek to cheat responsible policy holders out of their money. One of these, The Unlicensed Practice of Public Adjusting (UPPA), often ta...

Do you receive an annual review of coverage from your insurance company? If not, you may want to consider one. These reviews provide several benefits to any policyholder: you can learn more about the extent of your coverage, identify any gaps, and properly prepare for the future. The following are j...

Colder weather is just on the horizon. The winter months bring a spike in unique insurance claims, from frozen pipes to structural issues. Here’s what you need to know about the most common claim types during the winter months: Roof Failures Unsurprisingly, one of the most common insurance claim...

Anyone who works with sea-faring vessels should have some form of ocean marine insurance. This type of insurance covers damages to both ships and crew while traveling on ocean waters. Depending on the type of vessel and its purpose, different types of ocean marine insurance can cover different hazar...

Life insurance provides you with peace of mind and your loved ones with financial stability in the event of your death. Life insurance is essential for retirement planning and those with growing families, but the multiple types of life insurance can make finding a policy confusing. The three type...

Term life insurance policies follow set dates to determine the amount of payment and coverage you receive. The exact start point for your term insurance will vary depending on the company you’ve purchased insurance from and the specifications in your policy. Term life insurance has two major st...

Insurance agents and brokers help people find the ideal insurance policies for their lifestyles. They are often versed in various types of insurance and risk management. Though as a client you do not pay your agent or broker, it is still important to hire one who is competent and capable. Consider t...

Water damage is one of the most expensive repairs you could need on your home. Whether it leaks in through the ceiling or your basement floods during the Arizona monsoon season, you may need to spend thousands of dollars fixing your house. To help pay for massive expenses of water damage, you need t...

The insurance process is complex and confusing. Many insurance companies aim to settle claims as quickly as possible and pay as little as possible. To make sure you receive the compensation you deserve, you need to be careful about every step involved in filing a claim with your insurer. One of the ...

Despite fireproofing measures, flame-retardant building materials, and smoke alarms, an average of 358,000 house fires occur each year in the U.S. Home structure fires cause 93% of all civilian structure fire-related fatalities and 87% of all fire injuries. Preventing fires in your own home can grea...

On the surface, insurance companies appear to be in the business of helping people. They provide financial benefits to policyholders in need after traumatic accidents. In reality, insurance companies are in the business of making money. They will do what they can to increase profits whenever possibl...

Insurance companies are in the business of minimizing their risk and responsibilities to policyholders. All insurance companies aim to maximize profits by shirking coverage for injuries, accidents, and property damage whenever possible. Insurers have a long list of reasons they like to use to deny p...

You were in a car accident in Phoenix. You filed your insurance claim, sorted out your medical bills, and are focusing on getting your damaged vehicle back on the road. You’re glad you paid for extended warranties on your car and its parts at the dealership before the crash, and then the dealershi...

One of the strategies an insurance company may use to avoid paying a claim is alleging that a claimant failed to cooperate with the insurer. Insurance companies will try anything to get away with denying, delaying, or underpaying policyholders’ claims. Maximize your odds of compensation by prevent...

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...

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...

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...

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...

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...

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...

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...

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...

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 ...

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,...

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...

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...

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...

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 ...

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...

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...

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...

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...

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 “...

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...