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So far iProv has created 48 entries.

Why Your Long-Term Care Insurer Should Be Covering Those Medical Bills

Care for aging people is expensive. If you are not receiving the benefits or coverage from a long-term care insurance policy, you may be able to recover the money you are owed and more for being treated unfairly. That money can pay for long-term care and other damages you have incurred.
A retirement community, assisted living facility, or home health aide in South Dakota can provide outstanding medical care for your loved one, but these services come with a large price tag. According to Genworth Financial, a room in a nursing home has an average annual cost of $92,378 in 2016, and a home health aide costs an average of $46,332. Many people alleviate this financial burden by purchasing long-term care insurance earlier in their lives. However, some policyholders and their family members can find themselves looking at bills and asking, “What does long-term care insurance cover?” If you are currently paying for medical care that should be covered by an insurance company, a South Dakota insurance bad faith attorney may need to investigate your case and show you how to get help paying medical bills.

Avada |November 30th, 2016|Insurance Bad Faith|0 Comments

Just FYI: Your Car Insurance Company Can’t Deny Your Claim Without Reason

A denied car insurance claim can be shocking news after an accident with an uninsured or underinsured driver. Before you pay out-of-pocket for your losses, consider talking to a car accident lawyer about your legal rights.
If you have been in a car accident in South Dakota and an uninsured or underinsured driver is at fault, you will likely need to file a claim with your car insurance company before you can receive the money that will cover your losses. Unfortunately, even if your policy includes uninsured and underinsured motorist coverage, your provider may still deny your claim. Sometimes insurance companies do not explicitly deny your claim but instead just refuse to pay, try to make you jump through unnecessary hoops, or suggest your claim is worth a lot less than it really is. While the insurance company will claim they have not denied your claim, those can be forms of denial. A qualified South Dakota car accident lawyer will tell you that a denial is not necessarily the end of the story. You can still appeal the denied car insurance claim and possibly even prove that the company denied your claim in bad faith.

Avada |October 27th, 2016|Car Accidents|0 Comments

South Dakota Supreme Court Reverses Dismissal of Bad Faith Insurance Lawsuit

Court Rules That Insurers Must Weigh Independent Medical Experts’ Opinions Against Conflicting Evidence
The South Dakota Supreme Court has reversed a circuit court’s dismissal of a worker’s lawsuit claiming Dakota Truck Underwriters and Risk Administration Services denied him workers’ compensation benefits in bad faith. The opinion, filed on September 28, 2016, concluded that an insurer cannot assume the truthfulness of a consulting medical expert’s report when deciding whether to deny coverage.

Avada |October 21st, 2016|Insurance Claim Denied|0 Comments

Supreme Court Orders Insurance Coverage for Ranchers’ Claims

Court Reverses Local Insurance Company’s Denial Based on Company’s Narrow Definition of Drowning
The Supreme Court has reversed a lower court ruling that favored DeSmet Mutual Insurance Company in a claim brought by the Papousek family of Quinn, SD for cattle lost in the 2013 Winter Storm Atlas.  Atlas brought torrential rain and heavy snowstorms that killed more than 43,000 head of cattle in South Dakota.  DeSmet had sold Papouseks a policy promising to pay for drowned cattle.  When the Papouseks lost 93 yearling heifers in the storm, worth $3,000 a head, a doctor of veterinary medicine concluded the cattle “absolutely died due to drowning.”  DeSmet, however, refused to pay.

Avada |October 18th, 2016|Insurance Claim Denied|0 Comments

Not at Fault? Here’s What You Can Ask for in a Car Accident Settlement

If you were involved in car accident and it is determined that it was someone else’s fault, their insurance company should reimburse you for all of the expenses relating to the accident, including medical bills, lost earnings, property damage, emotional distress, and more.
After the initial shock of being in a car accident where you are not at fault, it’s time to figure out how to get the compensation you deserve for your damages, losses, and injuries. The question of, “what should I ask for in a car accident settlement?” can lead to the complex task of figuring out the present and future impact on your financial, physical, and mental well-being. An experienced South Dakota car accident attorney can help you protect yourself and your family by ensuring you are fully compensated for every part of your life that has been affected. Knowing what you are entitled to, what insurance applies, and the procedures involved in a car accident lawsuit settlement allows you to proceed with confidence and avoid being intimidated by the insurance company.

Avada |September 8th, 2016|Car Accidents, Personal Injury|0 Comments

Jury Verdict in Against Insurance Company for Nearly $4 Million for Deceit

Travelers Indemnity Co. Willfully Misled Plaintiff on Policy Coverage
WATERTOWN, SD. – After experiencing catastrophic injuries in a car accident, Laura Dziadek was informed by Charter Oak Fire Insurance, which is owned by Travelers Indemnity Co., that she was not insured or covered under the policy when in fact she was covered. The insurance company’s behavior prompted a federal jury to order Travelers to pay Dziadek compensation for denying her insurance claim and making her live without $900,000 she was entitled to under the policy, as well as punitive damages.

Avada |August 9th, 2016|Insurance Bad Faith|0 Comments

The 4 Phases of Filing a Wrongful Death Lawsuit After Losing a Loved One

A wrongful death lawsuit claim can provide you and your family with financial relief and a sense of justice for the loss of your loved one.
When you suffer the loss of a loved one due to someone’s carelessness, negligence, or intentional actions, your friends, relatives, or co-workers may encourage you to consider a wrongful death lawsuit claim. South Dakota wrongful death law provides certain family members the right to recover financial compensation for funeral expenses, future financial support, and intangible losses like the loss of guidance, companionship, and emotional support resulting from a loved one’s death. Whether you lost a loved one to medical malpractice that occurred at a hospital or nursing home or to a drunk driver in a car accident, you have the right to file a wrongful death lawsuit claim in South Dakota. Knowing how to file a wrongful death lawsuit in South Dakota and the process that follows will help you prepare you for negotiations, settlement discussions, or trials that lie ahead. […]

Avada |July 29th, 2016|Lost a Loved One|0 Comments

How Standing Up to Insurance Companies Leads to Settlement Negotiation

It is in your best interest to speak to a South Dakota insurance bad faith attorney to help you negotiate a settlement if you feel your insurance company has not treated you fairly.
Insurance companies sometimes count on the fact that you probably do not know or understand all the details of your policy. This does not necessarily mean you were intentionally mislead when you bought your policy. But when an event happens in your life that requires you to rely on your insurance company to provide coverage, your insurance company could delay or deny your claim due to some claimed loophole in the policy. Knowing how to negotiate an insurance settlement will help you understand the process if you need to seek legal recourse when you feel there has been a breach of good faith and fair dealing on the part of the insurance company.


Avada |June 27th, 2016|Insurance Bad Faith|0 Comments
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