American Family Mutual Insurance Company has been ordered by a Denver judge to send out notices to 17,500 insureds and potentially reopen claims. Colorado had personal injury protection, commonly called PIP coverage, for a number of years. Apparently American Family…
Posts Categorized In: Claims
State Farm and total losses
In a previous post, I talked about how to figure out what your car is worth if it is a total loss. Now, what happens when your car is a total loss? The insurance company is supposed to get a…
What do you do when your car is a total loss?
After you get in an accident, the insurance company may tell you that your car is a total loss. Lets talk about what that means and how to figure out what your car is worth. First, a total loss means…
Disability Insurer Sued for Denying claims
UnumProvident is the nation’s largest disability insurer. If you are a teacher, they probably provide your disability insurance. And, they have been sued – AGAIN. UnumProvident recently settled charges with 48 states about its delay in settling claims. 48 states?…
Occurrence v. Claims Made
People often seem confused by the terms occurrence policy and claims made policy. What is covered when? Lets start with an example of what is not covered, ever. On a Google group, I read this post. (You may have to…
A vote for contingency fees
The contingency fee is always under attack. Certain groups do not want to see attorneys take cases on a contingency fee. The reasons vary from claims that the attorney gets too much money from the outcome to claims that it…
Insurance Proof of Loss
If you have an insurance claim, you sometimes hear the insurance company ask you for a “Proof of Loss.” But does anyone know what it is? The insurance company may have a form for you to complete. Its usually a…
Use it and lose it
Use it and lose it – its the name of the phenomenon associated with homeowners insurance. File a claim and you get cancelled. Yes, in some states, including California, if you have an insurance claim, you may get cancelled, especially…
Auto Insurance Fraud Revisited
Google is nice enough to email me news updates every day. Today’s update came with a story about auto fraud in San Bernardino county. Nice county. Good university. Bad story. Let me preface this with third comments. First, I believe…
Insurance Companies avoid paying on Bad Faith
Marc Mayerson wrote an excellent piece for his blog, InsuranceScrawl. Basically, he points out that insurance companies are receiving favored treatment from the courts when they act in bad faith. After a US Supreme Court Case, State Farm v. Campbell,…