Is a Breach of Contract Considered Bad Faith Insurance?
If you deal with an insurance company intentionally stalling a claims investigation or falsifying reasons for a denial, it could be more than bad faith insurance. Could it be a breach of contract? While both situations involve some type of breach in terms or contracts, they are distinctive from each other. We have handled many Reno insurance bad faith claims in our law office. Let's help clear up any confusion between breaches of contract and bad faith insurance. What Is a Breach of Contract? In the world of [...]
Exposing the True Dangers of Prior Authorization
In the intricate realm of health care management, few processes provoke as much frustration and controversy as prior authorization (PA). It’s a system that the American Medical Association (AMA) refers to as "costly, inefficient and responsible for patient care delays,” referring to the complexities of prior authorization as “a nightmare.” Let’s delve into the multifaceted issues, including the dangers of prior authorization, shedding light on its detrimental impacts on patients, medical providers, and the health care system as a whole. What is Prior Authorization? Also known as pre-authorization [...]
Top Mistakes People Make When Filling Out Proof of Loss Forms
After an accident, storm, or other disaster, you will want to take care of any damage to your home or vehicle. One of the first steps is to start the claims process with your insurance company by filing a proof of loss form. This document is a critical step in indicating your total losses to the insurance company. While it might seem straightforward, many people make errors on these documents. And that could lead to reimbursement delays or even a claim denial. Here are the top mistakes people [...]
What To Do If Your Insurance Company Is Ignoring You
Whether it's to cover the costs of a car accident, a health issue, or damage to our property, insurance is meant to provide a safety net. Insurance isn’t cheap, and it’s reasonable to expect it to be there when we need it, right? But what happens when your insurance company seems to be turning a blind eye to your needs? Dealing with an unresponsive insurance company can be frustrating, but don’t worry – there are steps you can take to ensure your concerns are heard and addressed. Understand [...]
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 Talk to an Insurance Adjuster: The Do’s and Don’ts
Published on February 20, 2024, by Law Office of Matthew L. Sharp
Civil Litigation
Many people dread the idea of talking with any insurance company representative. These individuals are responsible for either approving or denying your claim. And you don't want to say something that can put that in jeopardy. You also want to make sure your rights are protected throughout the process. Whether you are already working with an attorney or not, you might still have to talk to these professionals to provide them with the claim details. So, how should you handle any interactions with an insurance adjuster? Here are [...]
How To File an Auto Insurance Claim in Nevada
Published on January 30, 2024, by Law Office of Matthew L. Sharp
Car Accident
No one wants to be involved in a vehicle accident. Unfortunately, they are a common occurrence on Nevada's roads and highways. After an accident, you might have injuries or a damaged car. These expenses are piling up, and you want to file a claim with the insurance company. But how should you proceed? Here are a few tips for filing an auto insurance claim in Nevada. Do I Need To File? After an accident, you probably have significant expenses, such as medical bills and vehicle repairs. Whether you [...]
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 [...]
Does Uninsured/Underinsured Coverage Pay for All My Damages?
You expect your insurance policy to cover all the damages when you have been involved in an accident. Many Nevada drivers have the option to purchase additional uninsured/underinsured coverage. If another driver is at fault and has limited or no insurance, it can pay for your losses. But does this coverage pay for all damages? There are a few points to know before you make a claim. What Is Uninsured Motorist Coverage in Nevada? Uninsured coverage reimburses you for any losses or damages suffered due to an accident [...]
Insurance Premiums Skyrocket Amid Rising Health Care Costs
A recent report published by the national non-profit foundation formerly known as The Kaiser Family Foundation (KFF) highlighted how annual family premiums for health insurance coverage are steadily increasing, and this trend is expected to continue in the foreseeable future. As for what is behind the skyrocketing insurance premiums, it not only centers around rising healthcare costs but also on other factors. Below, we'll explain more about what is driving costs and how much premiums are being impacted. Where Current Employer-Sponsored Health Insurance Rates Stand The researchers who [...]