You may have been paying your insurance premiums without fail, only for the insurer to dodge your claim when the insured risk occurs. It can be unfortunate when this happens, especially if you have suffered heavy losses. When an insurer acts in bad faith, you can take legal action against them. As a result, you may be awarded damages, not just

As the owner of a small business or franchise, you likely invested in multiple kinds of insurance before you ever began operating the company. You may have a general liability policy, a premises liability policy and a business interruption insurance policy. When something predictable happens, you can then turn to that insurance to protect the company itself and the investment

Insurance is a crucial stopgap between people who get hurt unexpectedly and financial devastation. It helps pay medical expenses and cover lost wages. It can repair your vehicle or even your house, depending on the situation and what lead to your injury. Although the insurance company approved your claim, they haven’t paid you yet. They are uncommunicative and will not

The resolution process after an insurance company receives a plaintiff’s claim for damages can take a few different directions. The simplest path is a settlement, wherein the insurance company issues a check to their client or the plaintiff that covers their damages. The second, more protracted path, is litigation, meaning that the claim will up be decided in court or

Homeowner’s insurance or renter’s insurance covers someone’s possessions if there is a natural disaster and also helps protect them from liability. When you go visit a friend, their renter’s or homeowner’s insurance policy will pay for your medical costs if you fall down their stairs and break your leg. In theory, you should also be able to rely on insurance

Insurance companies can come up with more reasons to avoid paying a claim than children can for not doing homework. While some may be legitimate, many are not. Insurance companies make more money if they make claiming difficult. They have a right to carry out a full investigation of any claim. They have an obligation to pay valid ones. It

Mediation is a popular way to settle all sorts of legal issues. One area it is commonly used for is insurance disputes. Mediation involves two parties trying to reach an outcome that is satisfactory for both. It has significant advantages over other forms of settling legal issues. What are the advantages of mediation? Many divorcing couples choose mediation. It allows them to

We’ve talked before about what it means when you get a Reservation of Rights (ROR) letter from your business insurer, so you know that seeing one in your mail is not good. While not outright denying to cover a claim against you, your insurance company is questioning its obligations. Now, what should you do about it? Here are some tips: Read the entire

Have you read your insurance policies from start to finish, ensuring that you understand everything in them? Many people give an insurance policy only a cursory glance before deciding everything looks fine and filing it away. When you file a claim, finding the insurance company rejects all or part of your request can be a shock. If the insurance company disputes

New England businesses carry liability and other insurance to protect them from the uncertainties of life. For example, no matter how hard one works, one major disaster, like a fire, can ruin the prospects of a small business owner. Likewise, an owner can take precautions, but there’s always the possibility that they’re going to be held legally accountable for an