Insurance stress can make a bad situation much worse. Unfortunately, insurance companies contribute to this stress by participating in “bad faith” insurance practices. These practices occur when a provider fails to uphold its express and implied duties to the insured in an attempt to renege on obligations to clients. This may be an attempt to either deny a legitimate claim or failure to thoroughly … [Read more...] about 5 Signs of Insurance Bad Faith
When insurance companies are refusing to pay claims, you have the right to take legal action. This is especially true if the insurance company is acting in bad faith. If your insurance claim has been denied by your insurance provider in South Dakota, don’t waste any time following up on it. This article walks you through which steps to take when your insurance company has denied your claim and how … [Read more...] about Insurance Companies Refusing to Pay Claims. Can I Take Legal Action?
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?