What Is Subrogation In California?
Subrogation is the right of an insurance company to go after someone who caused damage to your property. Subrogation is a fancy word for reimbursement. Let's talk about subrogation in…
Can An Insurance Company In California Stop Covering Your Home?
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 Is Efficient Proximate Cause In California?
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…
What Are Howell Bills?
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…
What Is An Examination Under Oath In California
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…
What Is The Personal Reasons Exception in California?
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…
What Is Insurance Bad Faith In California?
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…
What Is The Fair Claims Settlement Act In California?
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…
Who is responsible for water main breaks in San Diego?
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…
How to file a business interruption claim in California
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…
Is Covid-19 “Physical Loss or Damage” to Property?
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.…
Why Business Interruption Insurance Should Cover Covid-19
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.…