When an insurance company wrongly denies your claim, or gives you less than you ought to get, you have an arsenal of legal weapons available to you. Fact is, though, that most of these weapons are unrealistic for ordinary people,…
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On September 23, 2008, at the NAIC Fall meeting in National Harbor, Maryland, the Life Insurance and Annuities (A) Committee (the “Committee”) covered a number of issues with respect to viatical settlements. Specifically, the Committee discussed … incorporate provisions from the NCOIL Model Act to address, among other things, the issue of stranger initiated life [...]
… data calls, filings, public hearings, consumer complaints, and research on this subject, the OFIS gathered information that established that insurers in Michigan increased their base rates over the same period of time in part to provide a discount for … discounts must be uniformly applied and reflect reasonably anticipated reductions in [...]
… to honor the claim. Such investigations are also used to help law enforcement. It is a way of pressuring the insured to submit to interrogation and produce documents in a venue where the investigator is not hampered by the inconveniences that police … not…protect yourself. The bottom line here is that, at [...]
The annual conference of the American Bankers Insurance Association was held on September 22-24 in Phoenix, and attended by EAPD attorneys Ted Augustinos, Chuck Welsh and Brian Green. Ted gave a presentation with … on reinsurance and risk management issues. During a roundtable discussion on legislative and regulatory developments, the consensus seemed to [...]
Back in May we reported on work (PDF) by Martin Grace (Georgia State) and Tyler Leverty (University of Iowa) finding a positive association between legislative limits on liability and lower insurance rates — seemingly an obvious if not redundant finding,…
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… reservation of rights as did National Union and Federal. The trial court adjudicated in favor of all three insurers that they had no duty to defend. The court of appeals reversed, finding that bodily injury had been factually asserted … were covered reached affirmative results. As the Court noted: We have [...]
… legal issue if you simply can not afford an attorney. Some private attorneys may even take your case on a “pro bono” basis, which means the fees (or a portion of the fees) may be waived. Prepaid Legal Services Plans. Similar to medical insurance, this “legal insurance” may cover the kind of legal work [...]
… make sure that the investigating officer is aware of any pain that you are experiencing. This is very important, because insurance companies will aways make reference to the fact that the claimant “did not make any complaints at the scene … covered for your initial treatment; Do not under any circumstances give [...]
… to him. Id. C. Statutory Caps: Pennsylvania does not impose a cap on compensatory damages, but it does have a program of state-sponsored excess insurance. See Patient Compensation Funds and Physician Insurance. Effective January 25, 1997, punitive … to trial. Pa. Stat. Ann. tit. 40, § 1303.508 (LEXIS 2003). However, this [...]
