Insurance Articles – DieWolf.com

UnumProvident is the largest group disability provider in the United States. They handle 40% of all disability insurance.

Unfortunately, UnumProvident has been accused all to often of unfairly closing their insured’s existing claims in an arbitrary and unlawful manner and denying new disability claims.

UnumProvident has been subject to hundreds of lawsuits throughout the country for their improper refusals to pay valid existing disability claims. Professionals include doctors, accountants, corporate executives, lawyers, architects, financial planners and the like who have been denied payments in spite of having a valid disability.

If you or someone you know has been denied your disability policy claim, please immediately contact our Insurance Bad Faith Denial law firm at 800-718-4658. A qualified member of the firm will help you immediately.

Unbelievably, UnumProvident’s denial of insurance claims have been continuous. A corporate pattern has been documented by 60 Minutes. 60 Minutes interviewed UnumProvident employees who stated Unum’s goal was to close claims unfairly. They actually awarded adjusters who denied their injured claimants the benefits the insureds paid for. The program featured a physician who claimed that UnumProvident terminated his employment with them for his refusal to cooperate in their conspiracy of denying claims to injured people without a valid reason. (more…)

As a California Pedestrian, Bicycle, Car & Motorcycle Injury & Death Accident Attorney, one has to ask just how much profit insurance companies need to make to be satisfied. The answer, when one examines the bad faith some are perpetrating today in settling personal injury accident and wrongful death claims, it appears that there is no limit to their greed.

When you get into an accident today, whether it’s your fault or someone else’s, either you or the persons you injure as a pedestrian, on a bicycle, in a car or on a motorcycle are going to be forced to deal with an insurance company that is determined to offer as little money as possible to settle any injury claims.

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If you are the person who has been injured in a bicycle, pedestrian, car or motorcycle accident or if you’ve lost a loved one, the worst thing you can do today is to try to settle your claim with the insurance company yourself. While insurance companies consider lawyers to be annoyances, they consider you to be a nuisance and will usually offer you only what they consider to be a “nuisance value settlement.” Once they have the mind set that your case can be settled for such a paltry amount, an attorney’s involvement will not change matters.

Your insurance company will be offering you or the other driver only a portion of the medical bills and a small amount for pain and suffering. If you or they have an attorney, the attorney will have to prevail on the medical providers to slash their medical bills by 1/3 to one half in order to have sufficient money left over for any attorney fees for their time and effort and the frustration of dealing with an insurance company today and to put any money into your pocket or the pocket of the persons injured in the accident.

If you’ve been seriously injured in an accident, call the Law Offices of R. Sebastian Gibson at (800) 589-3202 or e-mail us at our website, www.SebastianGibsonLaw.com If we are contacted early on in a case, we can prepare your case as if we are going to trial. Even though trials today are rare, unfortunately, it is only by preparing your case in such a manner, that an attorney today can obtain the type of settlement you deserve.

As badly as insurance companies treat the people they insure, they treat others even worse. Why should you care about the person you’ve injured? First, it’s the right thing to be concerned about someone you hurt. Second, you shouldn’t be causing them to be frustrated again when they have to deal with your insurance company. And third, when your insurance company tries to stiff them by paying them less than the amount of their medical bills and a reasonable amount for pain and suffering, much less any attorneys’ fees so they can have an attorney deal with your insurance company, they risk making the injured party sue you in order to obtain what is fair and reasonable. (more…)

One of the most interesting facts about the Irish Construction industry is that there is no legal requirement for a construction company to hold any from of construction insurance! In fact, the only insurance an Irish contractor is legally obliged to have is basic motor insurance on his/her motor vehicles!

Although there is no legal requirement under Irish law for a contractor to hold adequate Construction Insurance it is extremely important that adequate cover is in place.

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One of the most important reasons is the high injury & mortality rate on Irish Construction sites. One major positive of the recent construction boom is the fatality per thousand ratio has fallen in recent years although it is still at an unacceptable level.

For example, in 2001 28% of workplace fatalities were Construction related and the Irish Construction industry is consistently second only to the Irish Agriculture& Forestry Industry.

As many primary contractors require their subcontractors to hold Construction Insurance the reality is that although Construction Insurance is not a legal requirement it is usually a prerequisite to obtaining work on the majority of the countries construction sites so the need for construction insurance is a necessity in everything but law!
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