Do I Have To Cooperate With My Insurer After A Loss?

Imagine your house catches fire and you make a claim for coverage under your homeowner's insurance policy.  After a few weeks, the insurer denies the claim.  They don't dispute the fire happened.  But they say they don't have to cover the damage because you didn't cooperate with their investigation.  They claim you should have sent …

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Know Your Rights Under Washington’s Patient Bill of Rights

Health insurance policyholders are guaranteed specific rights under Washington State's Patient Bill of Rights.  The law's purpose is to guarantee health insurance policyholders have access to quality health care.  If you find yourself in a dispute with your health insurance carrier, knowing these rights may help. Policyholders Have The Right To Know About Their Coverage.  …

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Insured California Wildfire Losses May Exceed $6 Billion

California's increasingly-destructive wildfires are estimated to trigger billions of dollars in insurance claims.  As of November 2018, estimates show 15 wildfires in California destroying nearly 7,000 homes and business; 31 people have been killed and nearly 300,000 evacuated.  Beyond the loss of life and property damage implications for typical homeowner's insurance coverage, the fires and …

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Health Insurer Ordered to Pay $25.5 Million For Wrongful Cancer Treatment Denial

In a timely followup to last week's discussion of how to fight health insurance denials, this week an Oklahoma jury ordered health insurer Aetna to pay $25.5 million for denying coverage for insured's Orrana Cunningham's cancer treatment bills.   Aetna had denied coverage for Orrana's treatment in 2014 on the basis it was "experimental;" after …

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How to Fight A Health Insurance Denial

Many Americans increasingly find themselves dealing with huge medical bills after medical procedures their health insurers should have covered.  All too often, the insurance company says "it's not our problem, talk to the hospital;" the hospital says "it's not our problem, talk to your insurer;" and the insured is left holding the bag, often at …

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