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Insurance claim or case example

New Florida Discovery Rules

How many good news from Florida have we seen lately, particularly in the area of bad faith litigation. Not too many… However, the Florida Supreme Court has declared that the liberal rules that it adopted a few years ago requiring disclosure of work product in first party bad faith cases does not apply with respect to attorney-client privileged communications. In connection with evaluating the obligation to process claims in good faith under Section 624.155, all materials, including documents, memoranda, and letters, contained in the underlying claim and related litigation file material that was created up to and including the date… Read More »New Florida Discovery Rules

Proposed Insurance Disclosure Notice in California

California legislators are considering whether to allow certain insurance policies and  disclosures to be consolidated into one document, printed in smaller type. Currently, the  law requires an insurer, upon receiving notice of a claim, to immediately, but not more than 15 calendar days after receipt, provide the insured with a legible reproduction of the specified Insurance Code section, in at least 12-point type, detailing acts prohibited as unfair trade practices, and a written notice, as specified. SB 596 would require that the contents of the written notice be changed and be in at least 10-point type. The bill also would… Read More »Proposed Insurance Disclosure Notice in California

Dog Bite Claims Highest in California

California leads the nation in the number of claims made and paid out by State Farm Insurance for dog bites, according to the Bloomington, Ill.-based insurer. The insurer recorded 369 claims were made, and $11.3 million was paid out in the Golden State in 2010. In 2009, only State Farm paid out $90.1 million in dog bite liability claims in the United States. That compares to $83.2 million in 2008, $84.6 million in 2007 and $78.1 million in 2006. In terms of the number of claims, it was more than 3,500 in 2009, which is similar to in previous years.… Read More »Dog Bite Claims Highest in California

No Rough Approximations in Michigan

Should I avoide going to Michigan? Probably yes… But should I ever have to go to Bay City, MI –  I’d better have my GPS on at all times. Or something bad can happen to me – like with Bay City, MI resident, who tripped and fell on a sidewals and has lost his lawsuit against the city because he gave the wrong location. He trip and fall and informed the city of the bad sidewalk, but the case was rejected because he said that the accident occurred on NE corner, where it was actually on NW corner. The court of appeal dissmissed the case, saying:… Read More »No Rough Approximations in Michigan

Your Dollars at Work

Have you heard of the mother nature water cycle? There is rain and there is evaporation. Same thing in insurance. If there is an accidents – there is insurance, following by who pays for a claim, following by who pays back to insurance company. In the past, I personally didn’t see the trends in claims and damages paid. But today is the Day: Seven automobile insurance firms have followed Allstate Insurance Co. in suing Toyota Motor Corp. to recover money they paid in claims for car crashes blamed on unintended acceleration of Toyota vehicles. Toyota issued a statement on Tuesday… Read More »Your Dollars at Work

Watch Your Car This New Year’s Day

You’ve got your plans for New Year’s? The list of commitments is ready, the fridge is stocked for the party. You’re ready to have the best ever yet New Year’s Celebration. And so are millions of people. Everyone is ready to relax, but vehicle thieves. New Year’s Day was once again the leading holiday for reported vehicle thefts in 2009, while Christmas Day repeated as the holiday with the fewest reported vehicle thefts. For the 11 holidays reviewed in 2009, a total of 22,991 vehicles were reported stolen compared to a total of 24,676 reported for those same days in 2008,… Read More »Watch Your Car This New Year’s Day

Top 5 Holiday Insurance Claims

According to Rocky Mountain Insurance Information Association among the top holiday mishaps are: – Stolen holiday decorations from the front yard. Under a standard homeowners insurance policy, decorations are generally covered, but subject to the out-of-pocket deductible and policy limits. Holiday trappings are also generally covered under a standard renter’s or condo policy. – Gifts stolen from the car while it’s parked at the mall. Coverage to replace these items falls under a homeowners or renter’s insurance policy. But, that’s minus the deductible and up to policy limits, so it’s a good idea to keep gifts and valuables hidden. This… Read More »Top 5 Holiday Insurance Claims

Stolen Car Crashes – Owner’s Responsibility

Have you heard a joke about  a landlord, whose house was burglarized, so the landlord is found guilty for not having a knob on the storage door, as the thief couldn’t leave the crime scene and had to struggle with no food, water and restroom, until finally rescued by the homeowner? Funny? Stupid? Not really: a Tennessee court has ruled that a person who leaves keys in a car can be held responsible if the car is stolen and then involved in a crash. Another words, if your car is stolen and involved in the third party’s property damages or personal injuries you can… Read More »Stolen Car Crashes – Owner’s Responsibility

Invest in Security Cameras

Authorities say a central New York convenience store’s surveillance cameras caught a man purposely pouring soda on the floor and then faking a fall so he could file an insurance claim against the business. Insurance fraud investigators say the store’s security videotape shows Barnes pouring soda on the floor. Officials say “injured” filed a claim with the stores insurer and later withdrew the claim. Paperless Comment: all business owners, are encouraged to install security cameras, and it doesn’t cost much these days. Those cameras can be setup to record only when there is movement detected. With development of technology, 24/7 access via internet… Read More »Invest in Security Cameras

Maine Court: You’ve got to be kidding me…

Maine’s supreme court says a workers’ compensation beneficiary isn’t eligible for additional benefits for a car crash that happened with on a way to a mediation meeting. Kurt F., an employee, was injured on the job in 1987, 1997 and again 2007, and he was traveling to a mediation hearing on those injuries when he was involved in a car crash. In a 4-2 ruling, the Maine Supreme Judicial Court found that the employer cannot be made responsible for the injuries en route to the hearing in Lewiston. Justice Ellen G. wrote that injuries occurring during travel to mediation or… Read More »Maine Court: You’ve got to be kidding me…