Brent Adams & Associates Legal Blog

Preparing for Tornadoes in NC

Tornadoes: Help With North Carolina Insurance Claim Problems

Loans for NC Tornado Victims

Allstate Insurance Problems After North Carolina Cancellations

NC Apartment Fire With No Insurance

Injury Claims for Bus Accidents in NC

Who’s Responsible for a Foreclosed House that Burns Down?

3 Things To Do After Your Home Has a Fire

Raleigh House Fire Insurance Claims

Will Your Insurance Be Cancelled if You File a Claim?

What Replacement Cost Means in Your Policy

Insurance Companies Not Responsible for Home Repairs

Homeowners Insurance Policy Fine Print

Insurance Claims Getting Denied

Water Damage Cases in North Carolina

Brent Adams Wins Extra Compensation in Water Damage Case

Insurance Issues After Irene

Car Insurance Fraud in Raleigh

Hurricane Damage Insurance Claims NC

3 Tips for Fire Insurance Claims

Avoid Hurricane Damage Insurance Claims in NC

Long-term Care Insurance Coverage in NC

Suit Claims Insurance Company Canceled Policy After Woman's Costly Surgery

A man from Madison County, Illinois has filed suit against his former insurance provider, claiming that the company canceled his insurance after his wife underwent a costly surgical procedure.

According to Dale Warner, he was insured by Group Health Plan, Inc., a Coventry Health Care Plan, when his wife, who was also insured through his plan, sought pre-certification for a medical procedure she intended to have performed in August 2008.

According to the complaint Werner filed on August 19 in Madison County Circuit Court, he called Group Health Plan in July 2008, at the same time his wife was seeking pre-certification, to inquire about his premium payment.

The suit claims that Group Health Plan approved Werner’s wife’s pre-certification and informed him that he had no premium due and, in fact, had a credit balance in his favor.

The suit says Werner’s wife then underwent the costly procedure, based upon said reliance.

However, after Werner’s wife underwent the procedure, Group Health Plan canceled his insurance on the basis of his alleged non-payment of which he was unaware. The company refused to reinstate the policy and refused to pay the remaining medical claims for the surgery.

The suit says Group Health Plan also asked Warner to pay for bills it had already paid following the surgery.

Werner claims that due to Group Health Plan’s actions, his credit scoring has been degraded, which could affect his future ability to obtain credit, and he incurred costs and expenses related to missed days from work, telephone calls, and legal costs.

Suit Filed Against Insurance Company Over Apartment Explosion

Tenants who suffered personal injuries in an apartment explosion two years ago and the administrator of a deceased tenant’s estate are seeking declaratory judgment against an insurance company.

According to the suit filed in Illinois’ St. Clair County Circuit Court on May 13 by Michael Stifle, Roger Osborn, and Tammy Wood, on behalf of Harry Yargus, Church Mutual Insurance Co. has refused to provide liability coverage for an incident that occurred at an apartment building on May 29, 2007.

The suit says that a gas explosion and subsequent fire occurred at the apartment building. Stifle and Osborn suffered injuries in the incident and have pending injury suits in Crawford County. Yargus died in the incident and Wood, on his behalf, has a pending case in St. Clair County.

According to the plaintiffs, the insurance company has two liability policies, each with limits of $1 million.

The suit has also named Five Star Management, A.J. Mason, Inc. and Rena Smith, the property manager, as defendants.

The suit claims the insurance company is contractually obligated to indemnify the other defendants in their capacities of maintaining and managing the building.

Man Files Suit Against All State After Crash

A man has filed suit against Allstate County Mutual Insurance Co., claiming the company refused to pay for the personal injuries he suffered in an auto wreck.

According to the suit filed on March 27 in Texas’ Jefferson County District Court, Darrik Reynolds was injured in a November 15, 2007 collision with Ernest Lee Hicks II, who failed to yield right-of-way at an intersection.

The suit says that Hicks’ vehicle “suddenly and unexpectedly” collided with the front of Reynolds’ vehicle, causing it and the trailer it was pulling to jackknife and the boat on the trailer to fall off.

Reynolds claims the collision caused him to suffer severe and permanent back injuries and incur medical expenses.

The suit says that at the time of the crash, Reynolds was insured by Allstate.

Reynolds says that before he filed a claim with Allstate, he tried to file suit against Hicks. However, he discovered that Hicks had no insurance coverage.

Reynolds then filed a claim for his uninsured motorist protection benefits However, the suit says that Allstate has failed to respond.

Reynolds seeks unspecified damages.