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An insurance company can deprive you of your rightful coverage without acting in bad faith. Sometimes, people make mistakes. Of course, whether an agent accidentally fails to approve your proper claim or wrongfully denies your claim on purpose does not matter much when you are facing huge bills that insurance was supposed to pay for…. read more

Bad faith insurance seems like a complicated legal topic, but conceptually it is very simple. Bad faith insurance occurs when an insurance companies fails to act in accordance with the laws to which they are bound and when they fail to uphold their clients needs under the implied covenant of good faith. More simply, bad… read more

With the floods that recently hit Arizona, it is a good time to discuss homeowners insurance and what sort of water damage is covered. If you assume that your policy will cover you if your house suffers flood damage, you had better double-check. Most policies do not include coverage for flooding. Instead, homeowners generally must… read more

If it becomes law, a new bill before Arizona lawmakers could raise the minimum auto insurance liability drivers must carry for the first time in 45 years. The Arizona Senate passed the bill by a vote of 18-12 on Feb. 23. The bill would require motorists to carry enough liability insurance to cover at least… read more

An insurance policy is a contract. It is frequently quite long, printed in small type and full of dense, confusing language. Because insurance agents and insurers have a legal duty to make sure their clients understand the terms of their policy, usually when you sign up for a policy, you also get a cover letter… read more