American Family Mutual Insurance Company has been ordered by a Denver judge to send out notices to 17,500 insureds and potentially reopen claims. Colorado had personal injury protection, commonly called PIP coverage, for a number of years. Apparently American Family…
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State Farm and total losses
In a previous post, I talked about how to figure out what your car is worth if it is a total loss. Now, what happens when your car is a total loss? The insurance company is supposed to get a…
Who is at fault in a rear end accident?
I recently read a few posts about who is at fault if you are rear ended. There are many theories about this, but not many people who have an answer. So, with some generalities, here are some answers. If you…
Exchanging Information after an accident
What do you do if you get in an accident? Most states require you to exchange information with the other party. Simple enough? Maybe not. Here is the process I suggest when I give talks on insurance accidents: Pull off…
What do you do when your car is a total loss?
After you get in an accident, the insurance company may tell you that your car is a total loss. Lets talk about what that means and how to figure out what your car is worth. First, a total loss means…
Cell Phone Usage Increases Chances for an Accident
Most of us have cell phones these days. I am assuming that, if you are reading this, you have a cell phone. I have one, and my wife has one for use in an emergency. I prefer that she keep…
More Workers Compenation Reform?
After the “sweeping changes” that our governor imposed for workers comp reform, everything is good, right? Well, probably not. I get a lot of calls from potential clients with injuries. The problem is that, under the new system, its financially…
Auto Insurance Fraud and Hurricane Katrina
The Navy Compass has a story from last week about scam artists who have a new scam going. They are taking cars that were damaged from Hurricans Katrina and Rita and repairing the cars, sometimes cosmetically, before selling them in…
Disability Insurer Sued for Denying claims
UnumProvident is the nation’s largest disability insurer. If you are a teacher, they probably provide your disability insurance. And, they have been sued – AGAIN. UnumProvident recently settled charges with 48 states about its delay in settling claims. 48 states?…
Insurers Mistakes with Clients
My friend and fellow CPCU, George Wallace, one of the good guys in insurance defense work, just returned from a trip to the CPCU Annual Meeting. The annual meeting is always a fun place to go, meet new people, see…