from our blog

February 10, 2021

Seatback Failures

Front occupant seatbacks play a vital safety role in rear-end crashes, similar to the purpose of airbags and seatbelts in frontal impacts. In a rear impact, a front seat should be designed to absorb energy and contain the occupant in the front seating space. Weak, defective front seats can fail, collapse and cause front occupants […]

Arizona Stalls Decision to Implement Centralized Insurance Database for Consumers

A major portion of the Affordable Care Act (Obamacare) creates health insurance exchanges in each state. These exchanges allow consumers a one stop shop to compare benefits and prices so they can choose plans that are best suited for them. However, the legislation failed to require states to take on the process of creating these […]

Arizona Employers Receive Millions in Insurance Rebates to Forward to Employees

Last summer many Arizona businesses received rebate checks from insurance carriers. This is connected to new requirements for insurance companies. Under the new 80/20 requirement of the Affordable Care Act (also known as Obamacare) insurance companies must maintain a medical loss ratio (MLR) of 80 to 20. If the insurer does not meet this minimum […]

Arbitration in Motor Vehicle Policy Conflicts

Arbitration is commonly used to resolve disputes that arise between an insurer and insured. Arbitration, along with mediation, is a form of Alternative Dispute Resolution (ADR). When parties disagree about some aspect of their car insurance plan they agree to submit the issues to the judgment of a private third party neutral judge, called an […]

Workers Compensation Bad Faith Issues Resolved By AZ Insurance Bad Faith Lawyer

In this article, our Arizona insurance bad faith lawyer will dispel a few common misunderstandings associated with Arizona’s workers’ compensation laws as they pertain to insurance bad faith. Most importantly, you need to understand that the Arizona Workers’ Compensation Act was supposed to create a no-fault compensation system. Any covered employee under the act who […]

The Role of Subrogation in Scottsdale Personal Injury Insurance Claims

While your Scottsdale personal injury claim, an insurance claim against the at-fault party’s insurance company, is being processed, you should take a moment to learn how a personal injury claim or lawsuit could be affected by insurance subrogation. Subrogation Affects Scottsdale Personal Injury Insurance Claims You were injured in an accident that was not […]

Scottsdale Insurance Bad Faith Attorney Exposes Insurance Company Excuses

It is time to speak with a Scottsdale insurance bad faith attorney if your insurance company is attempting to use any of the following to justify or excuse its payment of an insurance claim: 1. There was an ambiguity in the way the insurance policy was written, so the insurance company didn’t believe it was […]

Arizona Insurance Issues Plague Scottsdale and Phoenix Metro Homeowners

Do you really know what loss or damage your Scottsdale Arizona insurance homeowner policy will cover? Will your insurance policy compensate you sufficiently to replace damaged personal property and belongings in your Cave Creek or Carefree Arizona home? Will your Phoenix Arizona insurance policy cover all of the structural damage to your home, regardless of […]

Phoenix Insurance Bad Faith Attorney Discusses INSURANCE BAD FAITH DAMAGES

Experienced Phoenix insurance bad faith attorneys like Shane L. Harward will seek different kinds of damages from the insurance company that acted in bad faith. If you are considering legal action against your insurer for bad faith intentional claim denial, unreasonable delay or nonpayment on a claim, and so on, then this article is for […]

Insurance Consumer Attorney – Arizona Residents Battle Bad Faith Insurance Companies

When was the last time you purchased an insurance policy? Did you get explanations that were fully comprehensible to you and not so much “insurance legalese”? Did you take time to carefully read through the printed policy terms before you signed and paid the premium? Did you feel free to negotiate with the insurance agent […]

AZ Insurance Attorney Reviews ERISA’s Impact on Health, Life, and Disability Claims

The Employee Retirement Income Security Act (ERISA) became federal law in 1974 and has been an obstacle to workers’ life, health, and disability insurance claims ever since. 29 U.S.C.S. § 1001. ERISA was passed to protect employees by setting standards for their employment pension plans and health and welfare benefit plans. Although ERISA doesn’t mandate […]

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