from our blog

October 19, 2026

Paper Towns by Melissa Kirsch (New York Times)

I resisted the urge to sneak a peek at the questionnaire of the man sitting beside me at jury duty a few weeks ago. He’d been totally unknown to me a half-hour before, but now, through the accident of being summoned to serve this civic duty on the same day, he was part of my […]

Arizona Allows Accident Victims to Claim Liability and UIM coverage from Two Separate Policies Although With Same Insurance Company

Arizona law requires all insurers who provide motor vehicle liability coverage to also offer Uninsured (UM) and Underinsured Motorist Insurance (UIM) in the same amount as that provided by liability coverage. UIM coverage provides protection for automobile collisions and accidents in which the offending motorist does not carry enough coverage to pay the damages incurred by the […]

Long Term Care Insurance Bad Faith

The insurance industry is facing an impending crunch as baby boomers get to the age where long term medical care in specialized facilities becomes increasingly necessary. Insurers commonly offer long term care insurance to help fill gaps in regular primary care health insurance. However, claims for long term care insurance can be denied for a […]

Legal Remedies for Dealing with Insurance Misrepresentation

Although rare, sometimes insurance agents mislead consumers into thinking that their insurance covers more than it actually does. Insurers do this hoping that the insured will never have to make a claim. However, when the insured tries to make a claim on the insurance that they were fraudulently induced to buy, the insurer will often refuse full […]

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 […]

Subrogation in 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 […]

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