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8 Dec 2015, 4:37 am by David DePaolo
Combined ratio is a very basic (and in my mind misleading) indicator of carrier health - it is simply a measure of dollars in and dollars out for any given period of time (and there are "policy year" as well as basic "annual" measurements): one dollar of premium versus X dollars of expenses and claims. [read post]
18 Jun 2014, 4:40 am by David DePaolo
In other words, a dollar has to come in to the carrier before a dollar goes out - that time line can not be altered. [read post]
15 Oct 2014, 1:59 pm by Gene Killian
The policyholder would then choose which policies it wanted to respond to the claim, and the carriers would later allocate loss among themselves. [read post]
22 Nov 2019, 1:39 am
In particular, how may the adjusting device be attached to the carrier? [read post]
9 Oct 2015, 4:16 am by David DePaolo
"As expected, the premises liability carrier has filed a Motion to Dismiss, asserting that this is workers' compensation and there is exclusive remedy. [read post]
8 May 2017, 5:00 am by Daniel E. Cummins
  In part, the estate for the decedent driver asserted that the substantial proposed settlement in favor of the decedent passenger was unfair to the minors represented by the estate for the decedent driver in that it depleted the single liability limits available under the carrier’s policy. [read post]
18 Mar 2013, 7:22 am by Rebecca Shafer, J.D.
 For example, if the employer is self-insured for the first $250,000 and the excess carrier must pay all claim cost over $250,000, the excess carrier will require the self-insured employer to report the details of the claim to them once the reserves reach $125,000. [read post]
8 Aug 2014, 4:11 am by David DePaolo
Their response exacerbates the adversarial perception of business versus carrier and the industry doesn't need that.Maybe SAIF was legally correct and that it's auditors and employees were doing their jobs. [read post]
25 Jul 2014, 4:37 am by David DePaolo
She suffered serious injuries to her head, neck and spine in 1999 when the horse she was riding tripped and threw her before falling on her and pinning her to a fence.The Oaks carried workers' compensation coverage through the California Compensation Insurance Co., but the carrier went insolvent in 2003. [read post]
1 Apr 2013, 4:17 am by David DePaolo
Under Florida law, with limited exception, an employer or carrier must reimburse a medical provider for the full billed value of the services rendered to an injured worker. [read post]
16 Apr 2014, 6:30 am by Attorney Theodore Ronca
The role of the employer in many states has been minimized without much complaint by carriers. [read post]
16 Jan 2013, 6:00 am by Rebecca Shafer, J.D.
  Many Carrier/TPAs will assign the claim based on what information is listed in the injury report. [read post]
2 Aug 2013, 1:45 pm
These new regulations are part of a program by the Federal Motor Carrier Safety Administration to make U.S. highways safer by reducing the number of truck accidents and fatalities. [read post]
16 Oct 2015, 3:59 am by David DePaolo
Overwhelmingly, the decision to deny, defend, litigate, etc. is delegated by the employer to the insurance company via the insuring contract.Robison's, in this instance, would not have wanted this case to fall outside the exclusive remedy of workers' compensation because of the exposure to civil liability - which, by the way, would have been denied by the general liability carrier as a work comp claim: the proverbial Catch-22.The courts are largely responsible for confusing the… [read post]
26 Nov 2012, 6:00 am by Michael B. Stack
  HIPPA laws require a signed release in order for a carrier to obtain your medical chart. [read post]
24 Feb 2015, 4:24 am by David DePaolo
Hawaii and Mississippi make carrier misconduct redressable in tort.Texas used to permit bad faith actions until the Supreme Court's decision in Texas Mutual Insurance Co. v. [read post]
27 Apr 2020, 5:00 am by Daniel E. Cummins, Esq.
(Dissenting Op. by Mundy, L), the Court allowed artful pleading of negligence by a Plaintiff in a shooting case to trigger a carrier’s duty to defend the matter.In this case, the liability carrier sought a declaration that it did not have to defend or indemnify the estate of Harold McCutcheon Jr., who was the alleged shooter in an underlying tragic string of events involving a murder-suicide and injuries to a third person.With regards to the previous decisions by the lower… [read post]
23 Aug 2022, 2:40 am by Jon L. Gelman
 Publishing the First-Ever Bill of Rights for Airline Passengers with Disabilities  The Airline Passengers with Disabilities Bill of Rights, an easy-to-use summary of the fundamental rights of air travelers with disabilities under the Air Carrier Access Act, will empower air travelers with disabilities to understand and assert their rights and help ensure that U.S. and foreign air carriers and their contractors uphold those rights. [read post]