Mansell, Engel & Cole

Oklahoma City Insurance Law Blog

What can you stand to win in a bad-faith insurance claim?

The law holds insurance companies to a certain standard of behavior. When such a company’s conduct does not live up to this standard, it is coined “bad faith practice”. There are various types of conduct against an insured party that constitute bad faith. For example, it is considered bad-faith practice if the insurer:

  • Neglects to fully investigate a policyholder’s claim,
  • Refuses to pay for damages or excessively delays payment,
  • Offers to compensate for less than the actual value of damages or
  • Fails to provide all available policy information that could benefit the policyholder.

Aetna's coverage rejection scorned by legion of critics

A teen-aged girl living with epilepsy-linked seizures had high hopes a couple months ago in the days immediately preceding scheduled surgery to relieve her of her life-altering symptoms.

Her procedure -- minimally invasive surgery called laser ablation -- has a string of documented successes in persons with epilepsy. A recent CNN article on the surgery states it is "safer and more precise than traditional brain surgery."

Uninsured motorists can disrupt your life

In Oklahoma and nearly every other state, driving without minimum insurance coverage is against the law. Insurance provides assistance in paying for property damage and injuries following a car accident. Because Oklahoma is an at-fault state, the driver who is determined to be responsible for the accident is the one whose insurance covers the damages.

There are good and bad elements to this. On the positive side, an accident won't affect your premiums if the other guy causes it. On the negative side, the amount of coverage the responsible driver carries limits the amount of your compensation. If the responsible driver is one of the 30 million drivers on the road who have no insurance, you may be out of luck.

What is an “act of God” for insurance claims purposes?

Insurance policies are complex contracts. These contracts provide the basis for the agreement made between the company and the policy holder. These policies are often comprised of various provisions. Many of these clarify when damage is covered and when it is not. One example included in many policies is “act of God” provisions.

What is an “act of God” provision? Essentially, these types of provisions are used by insurance companies to cover damage caused by natural disasters. It is important to note that the policy may or may not use the term “act of God.” Other terms that could indicate this type of provision is present include perils, catastrophes or disasters.

Long-term care insurance and Alzheimer’s

Caring for a family member with Alzheimer’s is a unique and difficult challenge. You become an advocate for a parent who can no longer advocate for themselves while trying to respect their wishes for their care before they were afflicted by the disease.

If your parent has long-term care insurance, you are likely relying on that insurance during this vulnerable time in their life. Here are a few things to know about long-term care insurance and Alzheimer’s:

What is credit insurance, and do you need it?

Here's something to know about insurance products offered to consumers in Oklahoma: There are about as many varieties as there are types of candy at your local store.

Thus, when we note on our website at the established law firm of Mansell, Engel & Cole in Oklahoma City that "we handle all types of cases" involving insurance disputes, that truly connotes a wide universe.

Pay attention to the fine print in your homeowners' policy

With the unpredictability of the weather here in Oklahoma, you more than likely willingly pay for homeowners' insurance. Even if you don't necessarily like paying the premiums, the odds are that at some point, you may need to file a claim.

Whether the damage occurs due to a tornado, heavy rains or hail, Oklahoma City sees its share of this type of weather. The recent increase in earthquakes in the area could also lead to damage requiring significant repairs as well. Of course, the weather and the Earth are not the only dangers to your home; fires and other disasters can happen.

2017 already an above-average year for Oklahoma tornadoes

Oklahoma residents are no strangers to a few storms – in fact, it’s what makes us so resilient. But even with our thick skin, this year has still been a rough one for weather. As extreme weather activity continues to increase across the state, so does the risk to property owners.

According to the National Weather Service, tornadoes in Oklahoma have already reached an above-average rate for 2017, with two months left of the year. Eighty-one tornadoes have swept through the Sooner State, nine of which happened in the off-season. Of those nine, five touched ground last month. Last year 57 tornadoes hit Oklahoma and they all occurred during the regular storm season.

Rural Oklahoma hospitals worried about insurance cuts

Last week, the Blue Cross Blue Shield of Oklahoma looked at cutting insurance reimbursements by up to 30 percent. Rural hospitals in the area worry they may have a hard time absorbing these changes, which could result in not being able to accept resident's Blue Cross Blue Shield insurance going forward.

As the contract between the insurance company and hospitals is being reviewed, significant changes may be in store for the people using Blue Cross Blue Shield or who do not have other hospitals close to them that do accept the insurance.

Insurer denies recommended treatment for child cancer victim

Reasonable people in Oklahoma and across the country likely wonder fairly routinely just how some insurance companies survive ill-advised actions and comments directed toward policyholders.

Sometimes it is a coverage denial that can seem so grounded in bad faith or illogic that it incenses most individuals who hear about it. On other occasions, an insurer's sheer insensitivity it what most rankles.

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