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Insured's Fraud can Void an Insurance Contract
Insured’s Fraud can Void an Insurance Contract The case of Mutual of Enumclaw v. Clinton Cox, 110 Wn. 2nd 645, 750 P 2nd 499, points out that an insured’s overreaching and making “mistakes” in his itemization of lost items in a fire can void a…
Published Saturday, April 29, 2017

False Assumption - 4. I had prior injuries
I had prior injuries, but the insurance company will believe the injuries have no bearing on this claim. Pre-existing injuries to the same area of the body are likely to become an issue in almost every personal injury claim. If the prior injury was to…
Published Saturday, July 21, 2007

Insurer's Failure to Act in Good Faith in Defending Subject to a Reservation of Rights
Insurer’s Failure to Act in Good Faith in Defending Subject to a Reservation of Rights Washington Pattern Instruction 320.03 states: “An insurer who, under a reservation of rights, defends the claim, and owes a duty of good faith to its insured…
Published Tuesday, April 04, 2017

10 False Assumptions Made After an Auto Accident
What would you do after being involved in an auto accident? Would you call the police? Would you document the scene? Would you schedule an appointment with your doctor right away? These are all things to consider after being involved in an auto accident…
Published Thursday, January 28, 2016

If a hospital fails to bill me or my PIP insurance four years after an accident, is there an obligation to pay them?
When you have a PIP insurance benefit, and you give the hospital billing office this information, and the hospital sits on the bill it seems a mistake was made. However, merely because the information was provided to the hospital, does not relieve the…
Published Saturday, April 23, 2011

Recovering from a car accident
There are a wide variety of schools of therapy to choose from to recover from an injury obtained in a car accident. Automobile insurers in Washington provide personal injury protection coverage for health care needed following a collision involving an…
Published Saturday, July 14, 2007

False Assumption - 6. The insurance company for the other driver will believe me
The insurance company for the other driver will believe me when I tell them how much it hurts. Being examined by a health care provider shortly after a collision allows you to obtain some beneficial relief. At the same time, the injured person obtains…
Published Tuesday, July 24, 2007

Depreciation of the value of your vehicle after a collision
Oftentimes a newer car will be in a wreck and the insurance companies will attempt to repair the vehicle. What happens when the car has a significant reduction in the value because of the stigma of having been repaired, and the value has gone down…
Published Saturday, March 02, 2013

Allstate Insurance improperly refused to honor homeowner's claim in Staples v Allstate
This week, in an opinion authored by Hon. Charlie Wiggins, the Washington Supreme Court, No. 86413-6, determined in an 8-1 vote, Allstate Ins. Co. failed to provide sufficient proof they were prejudiced and was remanded back to the trial court level…
Published Friday, January 25, 2013

Intoxication of Person Injured or Killed - Defense
Intoxication of Person Injured or Killed – Defense WPI 16.03 states the following: “It is a defense to an action for damages for personal injuries/wrongful death that the person injured/person killed was then under the influence of alcohol or any drug…
Published Monday, January 16, 2017

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