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. → Read More
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, fairness in negotiations and good faith settlements. → Read More
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 escape its obligation to investigate the claim or to pay → Read More
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 such instances, you may be entitled to compensation based on the bad faith actions of the insurance company. → Read More
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. → Read More
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). → Read More
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 performance – you are paying your premium now and sometime → Read More
10 Worst Insurance Companies in America According to AAJ (2025 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 on the list? Some of the names – and what they did to make the list – might surprise you. → Read More
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 actual cash value, water damage and building code upgra → Read More
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. → Read More
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