When is it “too late” to make an insurance claim?

Let's say the insurance company denies your claim. They don't dispute you had a covered loss, but they say you missed a deadline buried in your insurance policy requiring you to notify them of the claim within a certain time. Can they do that? The answer, often, is no. But the devil's in the details. Virtually …

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Know Your Rights Under Washington’s Insurance Fair Conduct Act

Washington State's Insurance Fair Conduct Act (a/k/a "IFCA") provides important legal protections for insurance policyholders. IFCA was passed by the legislature and then ratified by the voters in 2007. IFCA was enacted based on lengthy testimony in legislative hearings from industry experts and consumer advocates about how insurers abused their policyholders despite existing laws. IFCA …

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Getting What You Pay For With Your Insurance Premiums

People frustrated dealing with their insurance company often wonder what they've been buying when they paid premiums for all those years. Insurance premiums buy you a whole host of benefits beyond just the possibility the insurer might someday pay you for a covered loss. Insurance premiums buy you the promise of peace of mind and …

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Court Ruling Emphasizes Tie Goes to the Policyholder When Interpreting Insurance Policies

Washington insurance law includes a principle that if an insurance policy is ambiguous, i.e., if it can reasonably be read in multiple ways, the court will adopt the reading that is most favorable to the policyholder.  This rule exists because insurance companies are sophisticated enough to draft their insurance policies the way they want, and …

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Washington State Bans Surprise Medical Billing

We previously blogged about the push by Washington's Insurance Commissioner to ban so-called surprise medical billing, i.e., where an insured gets hit with a huge bill for medical treatment despite going to an in-network provider or seeking emergency care.  In those circumstances, the insurer claims the hospital's bill is too high and refuses to pay, …

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