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Insurance Defense Archives

What standards determine bad faith?

When you have insurance in Kentucky, you put your faith in the company to pay when you make a valid claim. However, there are some instances where an insurer may refuse to pay. These instances may not be because you do not have a valid claim. In these cases, it is in bad faith for the company to not pay the claim.

Explaining recent developments in insurance case law

At Fowler Bell PLLC, we do not expect our clients to stay abreast of all of the statutory and case law changes in Kentucky that could affect their businesses. In fact, we expect the opposite -- that they are too busy focused on providing insurance services to their own clients to bother with subtle alterations in the state's legal system.

When medical claims are denied, insurance defense kicks in

For many people in Kentucky, having reliable health care insurance is critical to their ability to finance unexpected costs associated with various trips to the doctor and treatments. Having insurance is important for people to stay protected in circumstances where unanticipated injuries or illnesses occur. However, there are times when people may be surprised to find out that their claim was denied by their provider. 

Insurance companies deflect responsibility for legal bills

While insurance companies provide consumers with clarity in clauses that discuss protection against certain elements, there are times when disputes are made about who is responsible for footing a bill. Many insurance companies in Kentucky go to extensive efforts to give policy holders an accurate description of the reach of their services. In situations where consumers are claiming they need assistance, but their insurance company disagrees, they have the option of defending their opinion and reasoning for not extending assistance to said policy holders. 

What does renters insurance cover?

Having the proper insurance to cover your assets is important. When you own a home, you get homeowners insurance that covers your home and your belongings inside the home. However, when you rent, you do not need coverage on the structure because you do not own it. That is why you would get renters insurance.

What is professional liability insurance?

If you have a business where you offer professional services, then you have special insurance needs. Your Kentucky insurance coverage should include professional liability insurance. You may also see this referred to as errors and omissions or E&O insurance. According to The Hartford, professional liability insurance offers you protection against claims due to mistakes you make in rendering your services.

How arbitration may affect the outcome of an insurance dispute

If an insurance dispute arises, a claimant may immediately threaten to take your company to court to force you into a settlement. Not only can this be costly and time-consuming, it is also likely to lead to bad publicity. At Fowler Bell PLLC, our legal team often counsels insurance carriers on the benefits of an arbitration clause.

Suggestions for understanding insurance policies

For many Kentucky families, having adequate insurance coverage is critical to protecting their financial future and facilitating recovery in the wake of unforeseen disasters. However, more often than not, people do not fully understand the details of their insurance policy. Failure to take the time to become educated on the type of coverage a person has, can create considerable confusion that could end up resulting in costly consequences if an emergency occurs. 

Understanding declaratory judgment and insurance

Perhaps you have heard of declaratory judgment in regards to insurance claims in the past. While a seemingly confusing and complicated topic, your efforts to understand it better may make a considerable difference if you are ever involved in a disputed claim. At Fowler Bell, we have significant experience in working with insurance and are familiar with the unique challenges of the industry in Kentucky.

Mediation may be used to resolve insurance disputes

When people in Kentucky have a dispute with an insurance company, they may feel at a disadvantage and determine that they can only get fair representation by going to court. However, the Kentucky Court of Justice often advises a solution that may be much more effective and efficient: mediation.

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