Blog

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...

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...