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COBRA, or the Consolidated Omnibus Budget Reconciliation Act, provides health insurance coverage to individuals, their spouses, and their dependent children upon the person losing his or her job. It is a way for individuals and families to retain insurance coverage despite job termination. It is a ...

Some people are eligible for coverage under two or more health insurance plans at the same time. Insurance companies call this dual coverage. Dual coverage requires smart coordination of benefits (COB) to allow the policyholder to manage two health insurance policies simultaneously. COB manages two...

Insurance protects you and your belongings in case of a disaster. While you might know you need automobile and health insurance, you could overlook the importance of purchasing renters insurance, depending on your situation. Some landlords require renters insurance while others make it optional. Le...

A health insurance company denying coverage for your medical bills can be distressing. You may not be able to afford important or life-saving medical care out of pocket. While you also deal with a personal injury, illness or medical condition, a health insurance denial can be overwhelming. Luckily,...

Bad faith is any action or omission from an insurance company that does not come from a good faith attempt to resolve the client’s claim. Good faith is an insurer’s legal and ethical responsibility to treat a claim fairly, reasonably, and within the confines of the law. If an insurance company ...

A breach of contract might occur if an insurance company fails to fulfill its end of the terms in your policy. A contract is a legal document, typically written but sometimes verbal, that governs the terms of an agreement between two parties. In Arizona, a breach of contract occurs when one party v...

Life is unpredictable. When something like a car accident, house fire or tragedy in the family happens, insurance can make life a little easier. While insurance will not fix everything, it can go a long way toward getting you back on your feet when the unexpected happens. Some types of insurance ar...

If an insurance company takes advantage of you and engages in bad faith tactics, you could suffer the consequences. Bad faith could rob you of the settlement amount your injuries demand or lead to further damages while you wait for an unfairly delayed payout. An insurance company handling your clai...

Combatting an insurance company’s unfair or illegal tactics during your injury claim may take help from an insurance bad faith attorney. Insurance companies have plenty of experience minimizing payouts and taking advantage of clients. You will need to know how to navigate claims adjusters, contra...

If you own a business, you may hear the terms ERISA and non-ERISA. These are two different types of retirement plans you could offer your employees. An ERISA plan is one you will contribute to as an employer, matching participants’ inputs. ERISA plans must follow the rules of the Employee Retirem...

In the era of advanced cyberspace, cybercriminals are just as sophisticated as the efforts to keep them out. Hackers cause data breaches that cost companies about $1.5 million annually, according to a survey by Kaspersky. The average company spends close to $19 million on Information Technology (IT...

While you decorate your home for the holidays, the last thing on your mind might be mitigating a property-damaging disaster. Yet even with the magic of the holidays, catastrophes can occur. Winter and the holidays bring with them unique hazards your household might not face the rest of the year. Th...

You may think accepting a settlement offer from an insurance company means the end of your case, but you must still complete a few additional steps. One is deciding how you wish to receive your settlement – in one lump sum or as a structured settlement. The majority of claimants receive settlemen...

If an insurance company treats a claim in bad faith, it has handled it in a way another insurer would not have in the same situation. Bad faith insurance dealings can range from denying a valid claim to unnecessarily drawing out an investigation. If you believe your insurance company is guilty of c...

Every insurance company has a duty to treat claims from clients in good faith, meaning with honesty, transparency and per federal and state insurance laws. Insurance companies that handle matters in good faith accept valid claims, resolve them efficiently and offer reasonable settlement amounts. Un...

Whether you are new to purchasing insurance or simply want to know more about an existing policy, insurance premium is a phrase you need to know. An insurance premium is the amount of money you will pay the insurance company to purchase your desired policy. Insurance premiums can fluctuate dependin...

The Health Insurance Portability and Accountability Act (HIPAA) is a federal law that passed in 1996. It vastly improved patient data privacy and security for sensitive medical information. HIPAA increased the safety of patient information even before the advent of cyberattacks that targeted health...

Automobile insurance is a requirement for drivers in almost every state. In Arizona, driving without car insurance is against the law. Car insurance is a safety net for drivers that prevents them from absorbing personal liability for collisions. In an at-fault accident in Arizona, your insurance co...

Not all insurance carriers are created equal. Some engage in practices known as bad faith. Every insurance company has a legal duty to treat clients in good faith, meaning they must act honestly and fairly when handling claims. Bad faith insurance could involve tactics to get out of paying claimant...

Contrary to what your policy states, your insurance company may not want to protect your rights or cover your damages. Instead, it may use common delay, deny and defend tactics to get out of paying for your damages after a serious accident. No amount of coverage will help you if your insurance prov...

Life insurance guarantees beneficiaries at least some financial compensation after the death of a loved one such as a spouse or parent. A life insurance policy can provide death benefits in the form of a one-time payment to certain surviving loved ones. It could also help during payment gaps, such ...

Insurance fraud is a serious crime that steals billions of dollars from the industry each year. The FBI estimates over $40 billion in losses due to insurance fraud annually – resulting in $400 to $700 in extra costs per family via increased insurance premiums. Insurance fraud refers to the intent...

Navigating the insurance world is difficult enough when the elements of your case are clear, such as another driver’s proven liability for your car accident. If your case involves an act of God, however, it can be even harder to obtain the compensation you believe your insurance company owes you....

Everyone needs car insurance, but everyone wants the lowest car insurance rates. Many people believe that reducing rates by choosing lower coverage or higher deductibles is the only way to save money. While these are the two main factors, several others may affect your coverage. Many of these facto...

After any kind of accident, personal injury, disability, or property damage, you need reimbursement from your insurance company as soon as possible. Medical bills and lost wages may continue to build while you wait for your insurance company’s decision and first check. Unfortunately, not all insu...

Having insurance should give the policyholder peace of mind. If an unexpected accident occurs, money from the insurance company will help cover medical bills and other expenses. Unfortunately, many insurance companies engage in illegal and unethical tactics to avoid paying claimants what they deser...

When an insurance company infringes upon your rights through unfair or unethical delay-and-deny tactics, take action. A bad faith insurance complaint can hold the insurance provider accountable for wrongdoings against you as a policyholder. It could also help you obtain the financial recovery you n...

The workers’ compensation system exists to offer economic relief after a workplace injury. Generally, workers’ compensation does not use any fault-based system for determining coverage, but some employee actions may disqualify an injured worker from workers’ compensation coverage. If you recen...

Shopping for insurance is generally one of the least enjoyable aspects of car ownership, but you can save money and find a policy that offers a comfortable amount of coverage for your driving habits by following some tips. Every state enforces minimum requirements for auto insurance coverage, but ev...

The United States has hundreds of millions of registered drivers, and all drivers must carry auto insurance policies that meet their states' minimum coverage requirements. Typically, a driver purchases insurance for a specific vehicle he or she owns. However, many licensed drivers do not actually ow...

If you have a full-time job with a company in Arizona, your employer likely includes life insurance as part of your benefits package. However, this insurance may not be enough to fill your unique needs. If this lack of coverage is an issue for you, you may need to consider purchasing supplemental li...

In the United States, your car insurance company calculates your monthly premiums based on a number of factors, including your claims history and your driving record. Maintaining a clean and safe history is key to cutting down the cost of your car insurance. If you’ve maintained an accident-free d...

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...