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from our blog
April 28, 2012
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 [...]
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Shane Harward
@ShaneHarward
Find us on FacebookDisability and Long Term Care
Insurance Lawyer in Phoenix, Arizona
The Law Offices of Shane L. Harward, focusing on Arizona Insurance Law
Long term insurance policy disputes in Arizona require an attorney with experience in the complex area of Arizona Insurance Law. Whether care is provided in a private home, in an assisted living facility, or nursing home, insurance companies may deny long term insurance coverage claims with a variety of unfair, unclear, or untrue justifications. When an insurance company is unfairly treating a long term insurance policy claim, they may be practicing insurance bad faith. This is against the law in Arizona.
Every policyholder deserves the promises of the insurance they purchased. When the policyholder is in a vulnerable position, they should be able to count on the insurance company to cover their Long Term Insurance policy claim. Too often, insurance companies refuse to pay and do not treat policyholders fairly. Arizona’s Insurance Bad Faith Law may be violated when an insurance company
- Raises guaranteed rates on long term care insurance policies
- Insists on minimal levels of care or underpays a claim
- Practices Failure to Investigate and Fairly Evaluate Claim
- Conducts post-claim underwriting to deny claims after “discovering” pre-existing conditions
- Refuses inflation protection
- Creates countless bureaucratic barriers
- Disallows renewal of policy
- Demonstrates Insurance Agent Error / Insurance Producer Malpractice
Policyholders should have peace of mind knowing their long term care policies will be honored
Long term care can cost thousands of dollars a month. Long Term Care Insurance policy should help with these essential costs. But when benefits are needed most, the insurance company may do anything but reassure the policyholder. Asserting that the policyholder had pre-existing conditions that justify denial; processing claims slowly; or making the claims filing process absurdly difficult are just some of the strategies that insurance companies use to get out of paying on claims. These and other tactics are discussed at the Insurance Bad Faith Overview page.
You can have an Arizona insurance bad faith lawyer on your side
Since 1995, Shane L. Harward has been on the insurance policyholder’s side in countless insurance policy claim disputes. If the insurance company is not treating you fairly—treatment Arizona law requires—you may have a case against the insurer. Contact the Law Offices of Shane L. Harward for a free phone consultation.
The Arizona personal injury, accident, and insurance bad faith dispute lawyers at the Law Offices of Shane L. Harward PLC represent insurance, personal injury and accident victims throughout the state of Arizona (AZ) including, but not limited to, Phoenix, Scottsdale, Mesa, Tempe, Chandler, Glendale, Gilbert, Sun West, Sun City, Tucson, Flagstaff, Kingman, Bullhead City, Yuma, Lake Havasu, Fountain Hills, Anthem, Ahwatukee, Carefree, Cave Creek, Gold Canyon, Bisbee, Sierra Vista, Cochise, Paradise Valley, East Valley, Maricopa, Pima, Pinal, Gila, White Mountain, Heber, Payson, Prescott, Forest Lakes, Apache Junction, Avondale, Queen Creek, Benson, Black Canyon City, New River, Buckeye, Casa Grande, Coolidge, Cottonwood, Douglas, Florence, Gila Bend, Goodyear, Greer, Glendale, Lakeside, Guadalupe, Holbrook, Huachuca City, Oro Valley, Overgaard, Avra Valley, Parker, Peoria, Pinetop, Pine, Prescott Valley, Quartzite, Strawberry, Safford, Show Low, Sun City West, Sun Lakes, Superior, Surprise, Snowflake, Tombstone, Wickenburg, Winslow, Wilcox, Williams, Young, Youngtown, and surrounding areas.