What Does the Insurance Company Consider to be an Act of God?
Insurance policies frequently use the term "Act of God" to describe events or circumstances that are an act of nature, or an event that wasn’t initiated by human activity. But what does the insurance company consider to be an Act of God? Let's take a closer look. Defining an “Act of God” An Act of God, also known as force majeure, refers to events that are unforeseeable and beyond human control. These events are typically natural disasters or extreme weather phenomena such as earthquakes, floods, hurricanes, tornadoes, lightning [...]
Does Homeowners Insurance Cover Slab Leak Repairs?
Most homes here in Las Vegas and elsewhere in Nevada are built on a concrete slab foundation. Water and sewer lines typically run under that. All it takes is some deterioration or break in those lines to cause a release of those pipes' contents under your home, which can not only adversely affect your house's structural integrity but also pose health risks, like mold growth, for example. However inconvenient all this may seem, it may not worry you much if you have coverage on your home, but will [...]
How To Fight Balance Billing in Nevada
Balance billing, also known as "surprise billing," is a situation where a medical provider takes the amount a medical provider charges, subtracts the allowed amount, and then takes that remaining amount and bills it to the patient. Medical offices tend to use the balance billing approach when an insurance company pays less than what the provider actually charges for care. The problem with this approach is that it often results in patients paying more than in-network costs for a specific service and, worse yet, that overage doesn't generally [...]
Can I Change My Insurance Mid-Policy?
If you live in Nevada and have been considering changing your insurance mid-policy, you're not alone. Life is unpredictable, and circumstances can change in the blink of an eye. Whether you've bought a new car, moved to a different neighborhood, or simply want to explore better coverage options, the question lingers—can you change your insurance mid-policy in Nevada? (more…)
How Disability Insurance Companies Lie to Deny Claims
Insurance companies may use varying tactics to deny claims or limit the payouts they must provide. After suffering a disabling injury or illness, you depend on your insurance coverage for such situations to give you the benefits you need and have paid for. If you’ve been injured, you need to understand how disability insurance companies lie to deny claims. As we all know, managing risk is how insurers make money. Do not be duped into accepting a meager settlement from your individual or group disability insurance provider or [...]
How A Lawyer Can Help Solve An Insurance Dispute
Understanding how a lawyer can help solve an insurance dispute is beneficial in helping you recover the benefits you need and deserve. Sometimes, insurance companies appear to be purposefully dragging out the claims process or oddly unwilling to agree with you. Attorneys who specialize in insurance often make these processes more efficient. They are also useful in complicated claims, cases of unclear fault, and situations where you suffered huge losses. How a Lawyer Can Help Solve an Insurance Dispute Some of the leading reasons people hire lawyers for [...]
Jury Awards $200 Million Against Sierra Health & Life for Wrongful Denial of Healthcare Coverage
I want to thank you all for the very kind words and thoughts. Those comments are greatly appreciated. I want to let you all know briefly what Eskew v. Sierra Health & Life was about. I am sure there will be a time when I have the energy to talk about the trial strategy, the trial, and our impression of why the jury made the right decision. Three years ago, Doug Terry (a great lawyer from Oklahoma City) and I believed in a fine lady from Las Vegas, [...]
Can I Sue an Insurance Company for Denying My Claim?
People may file lawsuits against their insurance carriers when the companies refuse to provide the agreed-upon coverage for valid claims. Due to injuries suffered in auto accidents, people often incur expenses, including lost wages, medical bills, and pain and suffering. Through claims filed with their insurance companies or the insurance carriers of the at-fault motorists, many seek to recover compensation for their losses. Despite their catchy slogans and commercial claims, insurance companies typically seek to limit what they pay out to clients, and instead, protect their own bottom [...]
How to File a Bad Faith Insurance Claim
Reviewing contract terms, gathering all relevant evidence and documents, and documenting denial of a claim are the first steps in filing a bad faith insurance claim. Another crucial step is appealing the insurance company’s decision. If the insurance company refuses to reverse the claim denial, the claimant can then write a demand letter to the company. If the insurer responds negatively or fails to respond within the time limit stated in the demand letter, the claimant can file a complaint with the Nevada Division of Insurance. If the [...]
At the Mercy of Your Insurance Company: Proton Therapy Denials
Insurance companies are denying coverage for proton therapy treatment that could save the lives of cancer patients. Although targeted radiation therapy is becoming increasingly popular among oncology doctors across the globe and it is proven to be an effective treatment option for patients with various types of cancer, it isn’t cheap. Unfortunately, insurers are seemingly more concerned with their own bottom line than the well-being of consumers. In denying coverage for proton therapy, insurance companies may be acting in bad faith. What Is Proton Beam Therapy? Proton therapy [...]
