Insurance Bad Faith

Insurance companies use neighborly tones and down-home appeal to advertise their policies, but the bottom line for a private insurance company is profit. An insurance company’s business model ultimately relies on taking in a greater amount in premiums than they pay out in claims. To this end, insurance companies hire adjusters whose job description...

After a five day jury trial, Haffner & Morgan, LLP obtained a $101,000.00 verdict in an insurance bad faith trial against State Farm Insurance. The jury agreed that our client’s homeowner’s insurance claim was improperly denied and handled in bad faith by State Farm. After attorney’s fees and expert costs, which State Farm now...

If you’re looking up information for examinations under oath, you’ve likely been asked by your insurance company to take one. Let us first say that this is a common step in the claims process when you are making a claim through your own insurance company. Having said that, it’s not unusual for you to...

INSURANCE LIMITS AND WHAT THEY MEAN If you are like most people, the numbers on your auto insurance declarations page are not going to make much sense. Many people just want to know how much coverage they have if they cause damage to someone else’s car or how much coverage they have if they...

What is a statute of limitations and why does it matter? If you are involved in an accident or you are a victim of insurance bad faith, one of the first questions you need answered is how long you have before you have to file a lawsuit.  This is generally called the statute of...

What is Med-Pay? When you purchase automobile insurance you have the option to include medical payments coverage or “Med-Pay” to your policy. Often times you have the option to choose how much Med-Pay you want to add to your policy, frequently ranging from $1,000.00 upwards of $10,000.00 depending on the insurance company.  The purpose...