Insurance Denials/Bad Faith Information, News & Blogs
What’s the Difference Between an HMO and a PPO?
When it comes to health insurance, two common types of plans are Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans. While both types of plans offer essential health coverage, they differ in structure, cost, and flexibility. They can also have profound differences when it comes to requesting a referral to a specialist… Read More »
The Gatekeeper Concept: How HMOs Operate
Health Maintenance Organizations (HMOs) have become a common choice for many seeking affordable health insurance coverage in California and across the United States. They offer a range of medical services through a network of providers for a fixed, prepaid fee and office visit copayment. However, the operational model of HMOs, particularly the gatekeeper concept,… Read More »
What Is the Department of Managed Health Care?
When it comes to navigating the complexities of health insurance in California, understanding the role and responsibilities of the Department of Managed Health Care (DMHC) is crucial. As a prominent California insurance law firm, Gianelli & Morris champions the rights of victims of insurance bad faith, particularly those who have faced unreasonable claim denials…. Read More »
How Do You Win a Bad Faith Insurance Lawsuit?
When policyholders faithfully pay their insurance premiums, they expect their insurance company to uphold its end of the bargain, especially during times of need. However, situations arise where insurance claims are unreasonably denied, leaving the insured feeling helpless and betrayed. When insurance companies deny claims for improper motives, victimized policyholders may have the basis… Read More »
Reasons Hiring an Insurance Law Attorney to Handle Your Claim Denial Is Essential
Navigating the complexities of insurance claims can be a daunting task, especially when facing an unreasonable denial from an insurance company. In such situations, enlisting the expertise of an attorney experienced in insurance law can provide numerous advantages. Read on for a discussion about why hiring an insurance attorney is critical when fighting an… Read More »
What Is a Bad Faith Insurance Lawsuit and What Are the Grounds
Insurance policies are agreements of trust and assurance. Policyholders pay premiums with the expectation that benefits will be there when they need them and their insurance company will provide the necessary coverage. Unfortunately, this trust is breached all too often, leaving policyholders in a challenging situation, unable to get an important medical procedure or… Read More »
Should You File for Tort Damages in Your Insurance Bad Faith Claim?
Fighting an insurance claim denial is hard enough, but when the insurer isn’t playing fair, you might be understandably even more frustrated and at a loss on how to proceed. California is a consumer-friendly state and has a lot of protections in place for the average Californian going up against a corporate behemoth like… Read More »
Identifying a Bad Faith Insurer
In the state of California, insurance companies are obligated by law to deal fairly and honestly with their policyholders. This obligation is known as the duty of good faith and fair dealing. Unfortunately, not all insurance companies live up to this standard. Identifying a bad faith insurer can spur you to take action to… Read More »
Landmark Cases That Have Shaped Bad Faith Insurance Law in California: Egan v. Mutual of Omaha Insurance Company
In our last post, we reviewed Comunale v. Traders & General Insurance Company, a landmark case from 1958 that shaped the beginning of bad faith insurance law in California. Today we look at another case from the California Supreme Court that addressed a very specific duty of insurance companies – to conduct a proper… Read More »
Comunale v. Traders & General Insurance Company
The legal landscape of insurance bad faith law has evolved over the years, with pivotal cases serving as milestones that define the rights and obligations of insurers and insureds. One landmark case that has had a significant influence on bad faith insurance law in California is Comunale v. Traders & General Insurance Company. This… Read More »
