Benefits and Claim Procedures: Pre-Existing Condition Limitation on Your Health Insurance Policy
Pre-existing medical condition under your health insurance policy is discussed....
Insurance Law
Expenses Not Covered Under Health Insurance Policies
Incurred medical expenses or fees which are not covered under your health insurance policy and not medically necessary are discussed. If you have been denied coverage because the company has deemed it...
Benefits and Claim Procedures: Emergency Room Services
Your policy is likely to have separate pages describing the benefits for Participating Provider Services and Non-Participating Provider Services. As previously explained, participating provider servic...
Pre-Certification of Treatment by Health Insurance Company
Certain medical treatment must be pre-certified by your health medical insurance company in advance of treatment....
Autism Benefit Denials: How An Attorney Can Help Your Child
If you've been denied valid autism benefits, don't let an insurance company have the final say. A bad faith insurance lawyer can help you fight back....
Life Insurance Rescission: 5,000 Policies Canceled Every Year
Life insurance rescission is common. Nearly 5,000 life insurance policies are rescinded every year – saving the insurance industry billions of dollars. ...
Policy Time Limits on Certain Defense or Incontestable Provisions
The typical “incontestable” and “gave period” language contained in a health medical insurance policy are explained....
Renewal and Reinstatement Provisions in a Health Insurance Policy
The “renewal” and “reinstatement” language typical in a health medical insurance policy are discussed...
Notice of Claim and Claim Forms Provisions
The “notice of claim” provision as well as “claim form” requirement typical in a health medical insurance policy are discussed...
Proof of Loss / Time for Payment of Claims Provisions
The health insurance policy language that has a “proof of loss” provision as well as the requirement for paying health insurance claims is discussed...
Change of Occupation, Misstatement of Age, Unpaid Premium & Illegal Occupation
Change of occupation, misstatement of age, unpaid premium and illegal occupation provisions contained in a health insurance policy are discussed....
How to File a Complaint with Your State Department of Insurance
Your state's Department of Insurance (DOI) is a resource for information on insurance companies' financial stability, but it also regulates insurance companies' handling of claims for promptness, fair...
Insurance Claims: Typical Bad Faith Insurance Lawsuits and Awards
When you file a claim with an insurance company, by law, in any state, that company owes you a duty to act in good faith. Simply put, this means that the insurance company must not look for ways to e...
Vehicle Theft Claim: When the Insurance Company Requests Your Phone Records, Bank Statements, and Tax Information
Certain insurance companies have policies where every auto theft claim automatically triggers this higher level of investigation, even when the facts of the claim do not warrant such attention. In suc...
The Importance of Properly Completing Your Application for Insurance
Buying health or life insurance begins with the completion and signing of a written application, which is critical for the insurer to evaluate the risk....
How to Recognize Post-Claim Underwriting
An insurance company waits until after the insured makes a claim to determine whether the claimant is eligible for insurance according to the risk he or she presents (called post-claims underwriting)....
The Insurance Company Duty of Good Faith to You
An insurance company has the duty of performing its contractual obligations to you in good faith and not trying to take advantage of vulnerabilities created by the sequential character of contract per...
Post10 Worst Insurance Companies in America According to AAJ (2026 Update)
The American Association of Justice (AAJ) has named the ten worst insurance companies in America based on claim denials, premium increases and refusing insurance to those who need it most. So, who's ...
How Fire Insurance Policies Work
Fire insurance policies cover your dwelling, other structures, personal property and additional living expenses. This article defines those terms and provides information on replacement value versus ...
The Fire Insurance Claims Process: A Step by Step Review
This article provides a step by step review of the claims process from contacting you insurance company after a loss to receiving payment for that loss and how long the process should take....
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