Sometimes insurance companies deny claims for legitimate reasons and can be a symptom of a policy holder breaching terms or not understanding the insurance policy they hold. But sometimes legitimate claims are denied when your insurance company knowingly decides to act in bad faith. This can happen when an insurance company uses particular loopholes to get out of paying. Use this guide to … [Read more...] about Why Do Insurance Companies Deny Claims?
Insurance is a contract between two parties, each with responsibilities. As the insured, you are responsible for paying insurance premiums as agreed, while your insurer is responsible for honoring the terms of your policy when a legitimate claim is made. Unfortunately, this is not always what happens when you file a claim with an insurance company. … [Read more...] about How to Respond When Your Insurance Company Denies Your Claim
As a legal term, personal injury refers to a situation in which you have been injured or harmed in some way and another person is legally responsible for that injury or harm, regardless of whether the other person’s behavior was negligent, reckless, or intentional. … [Read more...] about What Injuries Are Considered Personal Injuries?
Subrogation claims are common in the world of insurance, but you may never have heard about them, or know how they might affect you. Read on to find out what subrogation is, how it relates to your insurance, and why it matters, particularly if you are involved in a personal injury case. … [Read more...] about Subrogation Claims Defined and Explained
[vc_row][vc_column][vc_column_text] When it comes to automobile insurance, determining how much coverage you need may seem confusing. Your state likely has a minimum requirement for liability coverage, but this does not guarantee that amount is enough in case of an accident. … [Read more...] about How Much Liability Coverage is Enough?
With hailstorms, fires, floods, and other natural disasters growing rampant, it’s wise to have homeowners insurance—in fact, it’s a must! So, you dot all of your i’s and cross all of your t’s, pay all of your premiums, talk with all of the people, and fill out all of that paperwork. … [Read more...] about Our Best Advice for Homeowners Insurance Claims
When you've been in an accident, you want to get back to normal life as soon as possible. The one thing that can hold you up is an insurance company that doesn't cooperate with a timely pay-out. Are they allowed to keep you waiting? … [Read more...] about 5 Reasons Your Insurance Company May Not Be Responding to Your Claim
If it doesn’t seem right, you should speak with a workers’ compensation attorney. Most employers in South Dakota are insured against employee injuries, but coverage is not required by state law. Regardless, your employer should never ask you to use your own insurance to cover an on-the-job injury. There is typically one of three scenarios: an employer has insurance coverage, an employer pays … [Read more...] about What if My Employer Asks Me to Use My Personal Insurance for a Workplace Injury?
When your home is damaged by wind or hail, knowing tips and insurance claims secrets can help you get the coverage you pay for. When you buy insurance, you are buying a friend. Someone who treats you fairly and will be there when you need help. Unfortunately, when hail and wind strike your home and you are dealing with storm damage to your roof, siding, and windows, you may find that your … [Read more...] about What Should You Do When You Have an Insurance Claim for Storm Damage?
If you cannot perform most activities necessary for daily living, whether due to a specific disability or a combination of conditions that sometimes develop with age, you may be entitled to long term care insurance benefits. Too often, those insurance claims are denied. Here's how long term care insurance came about, and what you can do if you are refused the benefits you've been … [Read more...] about A Brief History of Long Term Care Insurance