Christian Faiella Law Blog

When you have a claim or suit made against you, and your insurance company does not believe that you have coverage under the policy it may send you a reservation of rights letter. Sometimes they might ask you to sign something called a non-waiver agreement, but it boils down to the same thing, the company wants to retains its arguments and its right to sue you. Not a very nice way to treat you, the customer, and you can just forget those fancy slogans and promises they... Read More

Ever call someone who never calls you back?  You start to wonder if they are screening their calls and just don't want to talk to you. Sometimes insurance companies act that way by ignoring you when you have made a claim.

If your insurance company is not responding you have a way to fight back. The Unfair Claims Settlement Practices Model Regulations require that your insurance company respond to your claim in 15 days.  The insurance company must accept or deny your... Read More

Policyholders, the insurance contract is not an exciting thing to read, but it should be read.  I have found that many insurance agents, claims adjusters, underwriters, and attorneys don't understand insurance policy language. So why should you read the policy if even some professionals have difficulty? Well, the simple answer is the more you know, the better you can protect yourself. 

While you will probably not understand all of the policy let's discuss some basic things... Read More

Nationwide tells you they are on your side, State Farm, is like your good neighbor and Allstate has you in good hands, but reality check, they are not.  The truth is that insurance companies are businesses that sell financial protection against risk.  What you get for your dollars is a promise of payment under the terms of the policy at some date in the future.  The bottom line, you have a contract and nothing else.

When you purchase or renew insurance you... Read More

If you don’t want to arbitrate don’t simply accept what your insurance company tells you about your rights.  For instance, James Smith applied for benefits under a policy of insurance he was entitled to receive.  The policy said that any dispute will go to arbitration.  It also said that arbitration was binding and let the insurance company pick the arbitrator.  An arbitrator is like a judge and is the person who will decide whether or not the claim is... Read More

Insurance companies often say one thing then do another. Most of the time, an insurance policy means what it says however, there are numerous reasons why you may be entitled to collect from an insurance policy despite what the company or the policy represents to you at the time you make a claim. As a result you should make sure that you know your legal rights and do not rely solely on the insurance company for your interpretation of the policy. It is critically important that you are aware... Read More

When your premium is due insurance companies expect you to timely pay your premium.  If you don’t they will stop providing coverage.  What happens then when they owe you money for a claim?  A common experience among claimants is that insurance company’s drag their feet when it comes to claim payments.  If this has happened to you there are some useful things you should know... Read More