Pleasant Law Blog (Insurance Claims, Medical Misakes, and Nursing Home Claims)

Independent Insurance Adjusters - Help With Insurance Claim Problems

Problems with insurance claims with insurance companies like Nationwide, Allstate, State Farm, Progressive, GEICO, and others, sometimes require an insurance lawyer.

McKinsey Insurance Claims Documents: Allstate Insurance's "Zero Sum" game?

Allstate Insurance Company McKinsey documents regarding Allstate's alleged bad faith and unfair insurance claims practices (where an insurance company wrongfully denies a claim)

Hartford Insurance Story on ABC: Bad Faith/Unfair Insurance Claims Practices? You decide...

By Thomas Pleasant, North Carolina Insurance attorney. I ran across this informative video regarding Hartford Insurance practices in cutting disability insurance benefits to what appear to be deserving disabled clients. This happens more often than people might think. Sure looks to me like unfair insurance claims practices. If you are having a problem with an insurance company involving an insurance claim, contact my office. I do free consultations on most insurance bad faith and insurance unfair claims practices cases. Whether you are having a problem with Allstate Insurance, State Farm Insurance, Farmers Insurance, Unum Providence Insurance, or The Hartford; I may be able to help you. Cal Toll Free, 888-435-7156.

Fight Bad Faith Insurance Companies Website

This website, Fight Bad Faith Insurance Companies (FBIC) has some decent information about insurance companies the site claims engage in unfair insurance claims practices. The site's "Hall of Shame" top 3 include The Hartford insurance, State Farm insurance, and Allstate insurance. I am not sure who runs this site, but perhaps it will help someone avoid finding him or herself in a bad insurance claim situation. North Carolina has some fairly strong insurance bad faith and unfair claims practices law, so if you find yourself having a problem (denied insurance claim, etc.), you might want to consult an attorney who handles insurance law. My office handles these and provides a free consultation in most insurance claim cases. The Law Offices of Thomas Waitt Pleasant, PLLC | Toll Free: 888-435-7156 | Wilmington, NC | Fayetteville NC.

Would Your Insurance Company Sue You? It Can and Does Happen.

By Thomas Waitt Pleasant, North Carolina Unfair Insurance Colaims Practices Attorney. Toll Free 888.435.7156. Attorneys are seeing an increase in the insurance claim tactic by insurance companies whereby they simply sue their own insured/policyholder, rather than just deny the claim. This is a particularly abusive and unfair tactic in my mind. This is not necessarily a new insurance company tactic, but it seems to be on the increase by a number of big-name insurance companies. Technically, the insurance company may have the legal right to do this under most states' declaratory judgment laws, but the technical right to handle an insurance claim this way does not necessarily make the tactic fair or in good faith. In my opinion, this conduct is without question in bad faith. A typical scenario might be that, after you submit your insurance claim (whether for fire damage to your house, for medical insurance, cancer insurance, etc.), the insurance company decides it thinks there is no coverage. Rather than simply deny the claim in writing with the reasons for the denial, as they relate to the insurance policy provisions (as many states' unfair claims practices laws requires), you get served with a lawsuit. If your insurance company sues you, you should get an insurance attorney immediately. Once you are sued, deadlines will apply to your lawyer's filing of a proper response to the lawsuit, and how this is done can have a dramatic effect on the outcome of your case. If the insurance company did not actually handle your claim properly (for example, by failing or refusing to thouroughly and objectively evaluate your insurance claim), your lawyer should file counterclaims (a countersuit) for unfair claims practices, bad faith, and, probably, several other types of claims. I generally provide free consultations to people who have been sued by their own insurance company. Contact my office Toll Free at 888.435.7156.

Allstate, Unum, AIG, State Farm, Conseco, Wellpoint, Farmers, United Health, Torchmark, and Liberty Mutual Top Ten Worst Insurance Companies List

The link embedded in the title to this blog will take you to a recently compiled report concerning what AAJ (The American Association for Justice) has entitled "The Ten Worst Insurance Companies in America." Not suprisingly, Allstate, Unum, and State Farm are on the list, as are AIG, Conseco, Wellpoint, Farmers, United Health, Torchmark, and Liberty Mutual. If you have had a bad insurance claims experience with any of these companies, you might need an unfair claims practices attorney. If you are in North Carolina, I can help. If you are in another state, I can possibly still help via the association of out-of-state counsel. Call my office toll free at 888-435-7156 to see if we can assist you with your unfair insurance claims practices case.

Unum Provident Defrauded the Government, Jury Finds

By North Carolina Insurance lawyer Thomas Pleasant. Here's a different twist on insurance company misconduct: Unum Provident was just found to have threatened its policyholders into filing for government disability benefits. Unum, the largest disability insurance company in the United States, evidently threatened to cut benefits if certain disability insurance policyholders refused to seek these government disability benefits. The article can be read at http://www.examiner.com/p-248458~Jury_Finds_Insurance_Giant_Unum_Defrauded_the_U_S_.html. This is a twist on traditiona unfair insurance claims practices, or insurance bad faith, but it's unfair and bad nonetheless. For more information on insurance bad faith, go to http://www.pleasantlaw.com/practice_areas/insurance-unfair-insurance-claim-practices.cfm. Contact me, a North Carolina insurance attorney, at www.PleasantLaw.com.