Thomas Pleasant helps people who are being victimized by insurance companies. If you are facing obstacles in getting your insurer to pay a legitimate claim or if your claim has already been denied, Thomas can help you. His areas of special expertise include insurance bad faith cases, long-term disability claims, and property damage and losses as well as personal injury and product liability cases, and situations in which people are being treated unfairly by their employers and as consumers. Thomas represents clients in the Southeast and Mid regions of North Carolina. If you need legal help, contact Thomas today for a free consultation. www.pleasantlaw.com

Document Library

On the page below you can find links to documents, reports, publications and discussions provided by The Law Offices of Thomas Waitt Pleasant, PLLC.

The documents below are available to the public so that they can gain a better understanding of the legal challenges facing them, and why an experienced attorney is so important for success.

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Library Categories:

Insurance: Unfair Insurance Claim Practices:

  • Tips from Policyholders of America: Should You Sue Your Insurance Company?   
    Description: Policyholders of America has published a useful list of tips for people considering suing their insurance company for not handling an insurance claim fairly.
  • AAJ's Top Ten Worst Insurers List (Allstate, State Farm, Unum, Liberty Mutual, Farmers on list) [PDF]   
    Description: AAJ's recently released report containing the top 10 worst insurance companies in America. This is a must read for consumers. If you think choosing your insurance company carefully is not important, think again. If you face having to make a claim against one of these insurance companies, you might be in for a surprise. Hopefully, you will consider this when purchasing insurance, before you need an insurance lawyer to help you with your insurance claim.
  • Dateline Story: The Paper Chase (Regarding Allegedly Unfair Insurance Claims Practices in Disability Insurance Claims)   
    Description: Dateline investigates State Farm Insurance Company and its little-known practice of "paper review." In a paper review, State Farm employees review a patient's medical records rather than actually examining the patient. The Dateline crew discovered that some State Farm employees use this practice to manipulate the system. For example, the crew found that some employees "secretly orchestrated the supposedly independent medical results, helping author reports and dictating changes to medical opinions that led to lower recommended payments for medical claims."
  • Homeowner Claims: Increase Your Payout   
    Description: CNNMoney.com article outlining how property insurance companies handle property insurance claims. This article might help one see, anticipate and/or understand unfair insurance claims practices or insurance bad faith in the event of a property insurance claim (house fire claim, property theft claim, etc.), or worse, if you are actually having an insurance dispute.
  • UnumProvident "Representation" Letter [PDF]   
    Description: This letter details some of the relationships between UnumProvident, a large disability insurance company, with other disability insurance companies. This can be important, because UnumProvident could be behind the scene in handling your disability claim. If you have an unfair claims practice claim or insurance bad faith claim, this could be critical information in determining who should be sued, if an unfair insurance claims practices or insurance bad faith lawsuit must be filed.
  • Disability Claim Denied! (Business Week Article on Disability Insurer's Unfair Insurance Claims Practices / Bad Faith)   
    Description: This December 22, 2003 online Business Week Article addresses concerns that were arising about disability insurance company UnumProvident. This article discusses UnumProvident's "roster of rejections."
  • United Policyholders Information on UnumProvident's Disability Insurance Practices and Unfair Insurance Claims Practices / Bad Faith Lawsuits   
    Description: This article, at www.unitedpolicyholders.org, states that "[f]rom publicly available federal court records, it appears that Unum, Unumprovident, Provident Life, and Paul Revere companies have been named in at least 4,575 civil actions concerning insurance from 2000 to the present. This may understate the total number of federal court filings, because an insurance coverage action might also be described as contract or some other category of action, and also because not all federal courts participate in the PACER system from which this information was drawn." Click on this link to view this and other information about UnumProvident, bad faith and unfair insurance claims practices, and disability insurance claims generally.
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