Why Are Surgical Procedures Commonly Denied by Insurance?
The good news is that 92.1% of Americans had health insurance at some point in 2022. That is based on information collected by the United States Census Bureau. The bad news is that insurance doesn’t always provide coverage for all procedures. If you or someone in your family are dealing with health issues, you need to know why surgical procedures are commonly denied by insurance. The following are some of the common reasons why a denial occurs: The Insurance Policy Does Not Cover the Procedure Two common types [...]
How Do Insurance Companies Negotiate Settlements?
Published on August 27, 2024, by Law Office of Matthew L. Sharp
Car Accident
Collecting accident data is one of the many responsibilities of the Nevada Department of Transportation. According to that data, there is an average of 16,800 car accident injuries in Las Vegas alone. Nearly every one of those accidents will most likely generate an insurance claim. That claim is just the start of the settlement process. If you are involved in this situation, it will help to know how insurance companies negotiate settlements for car accident cases. With an accident that involves injuries, you might not know how much [...]
How Long Do You Have To Respond to a Subrogation Letter?
Published on August 20, 2024, by Law Office of Matthew L. Sharp
Settlement
Insurance companies are extremely fond of collecting premiums from their customers but what they’re not fans of is paying out benefits. There might come a time when you need to file a claim with your insurance company to get reimbursed for medical expenses or car repairs as a result of an accident. After you get paid by your insurance company, they will seek a way to get that money back. That is when a subrogation letter is generated and sent to all the involved parties. How long do [...]
What Do I Do After I Win a Settlement?
Published on August 13, 2024, by Law Office of Matthew L. Sharp
Settlement
After suffering through the trauma of an accident, going through months of recovery, and then navigating through the insurance claim negotiation process with the help of your attorney, you are finally awarded a settlement. Congratulations! Now, you’re asking, “What do I do after I win a settlement?” Awarded Damages Before any settlement is agreed to, you need to come up with the right amount of compensation to demand. Your award could cover the following three types of damages: Special Compensatory Damages These will be all direct expenses related [...]
How To Sue a Casino for Negligent Security
Published on July 24, 2024, by Law Office of Matthew L. Sharp
Personal Injury
The three main reasons someone visits a casino are to see a great show, have a fantastic meal, or win at gambling. Every casino guest must be cared for and spend time in a safe environment. When a casino fails to live up to its responsibility to keep its patrons safe, injuries (or worse!) can occur. If that happens, you’ll want to know how to sue a casino for negligent security. These Gaming Facilities’ Safety Obligations The one thing that is a guarantee when you visit a casino [...]
Do Insurance Companies Pay for Acts of God?
When it comes to natural disasters, you might hear the term "act of God" in the insurance exclusions. Damages from these events are often unforeseeable, and your standard homeowners policy might not cover them. Unfortunately, some insurance companies try to claim acts of God exclusions to avoid paying out on policy claims. We have handled numerous insurance policy denials for reasons like these at the Law Office of Matthew L. Sharp over the years. Do insurance companies pay for acts of God? We'll provide you with an answer [...]
The Do’s and Don’ts of Speaking With an Insurance Adjuster
After an accident, you might have to talk to an insurance adjuster. While you may not see any harm in having a conversation, you need to remain cautious in how you act and what you say. Keep in mind that any information that you give could greatly affect your claim and even a legal case. At the Law Office of Matthew L. Sharp, we have provided this guide to help you navigate through these important conversations. Let's examine the do’s and don'ts of speaking with an insurance adjuster. [...]
Can You Refuse the First Settlement Offer?
Published on June 25, 2024, by Law Office of Matthew L. Sharp
Personal Injury
When you're involved in any type of accident, you will probably receive a settlement offer from the at-fault party's insurance company if liability is clear. When you read the details of the offer, it might be well below what you expected to receive. Is that the end of the settlement process? No, and you have options to get the compensation that you deserve. At the Law Office of Matthew L. Sharp, we have seen many settlement offers over the years, and the initial ones often come as a [...]
How To Tell If Your Insurer Is Engaging in Bad Faith Practices
You received an explanation of benefits (EOB) from your insurer, much like one described by the Centers for Medicare and Medicaid Services, denying your health insurance claim that a medical provider sent in, and now you are expected to pay for that costly medical procedure. Or, your Nevada home sustained damage, and you were expecting your homeowners' insurance to cover those costly repairs, but now, it doesn't appear that they're going to. There are just two examples where an insurance company may say that what you've filed a [...]
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 [...]
