Yes. But here's some info you should know. Your Relationship With Your Insurance Company Many people have used the same insurance company for years. That doesn't mean your insurance company…
What goes around Comes around Willie Nelson Efficient proximate cause is a legal doctrine in California. It refers to the primary cause of loss in an insurance setting. Here's more…
In the end we retain from our studies Only that which we practically apply. Goethe Howell bills refer to medical bills that were paid, not billed. Let me explain. Howell…
Above all, don't lie to yourself. Dostoevsky An Examination Under Oath (EUO) in California refers to a proceeding involving you (the insured) and your insurance company (your insurer). The insurer…
We are our choices Sartre The personal reasons exception is an exception to the general rule on the standard of real property damages. Here's some context. Real property is your…
Trust not too much to appearances. Virgil What Is Insurance Bad Faith? Insurance bad faith is when your insurance company doesn't treat you fairly. Bad faith refers to unreasonable or…
Life's not fair Anonymous Don't expect the insurance companies to tell you about the Fair Claims Settlement Act! The Fair Claims Settlement Act is a collection of laws that govern…
Action may not always bring happiness, But there is no happiness without action.-Benjamin Disraeli In almost all cases, the City of San Diego will be responsible for a water main…
Any fool can know. The point is to understand. -Albert Einstein Here are general steps you should take to file a business interruption claim in California, along with some helpful…
Judge a man by his questions Rather than by his answers. -Voltaire A fundamental coverage question is whether covid-19 can be considered a "physical loss or damage" to insured property.…
Amend your ways and your deeds -Jeremiah Most insurance companies will deny business interruption (BI) claims for covid-19 losses by saying there was no "direct physical loss" to insured property.…
Truth is confirmed by inspection and delay; Falsehood by haste and uncertainty. -Tacitus Business Interruption (BI) insurance protects a business from economic losses when a business cannot continue its normal…