The Hidden World Of Umbrella Insurance Policies: Finding The Money Others Miss

Most people don't realize their standard insurance leaves gaps that could drain their savings. Umbrella insurance steps in where regular policies stop, often covering claims worth millions of dollars.This guide reveals hidden benefits of umbrella coverage and shows you how to protect your assets from costly lawsuits. Your financial safety net awaits.Key TakeawaysUmbrella insurance fills coverage gaps after standard policies reach their limits, typically offering $1-5 million in extra protection for $150-300 yearly premiums.The policy covers bodily injury claims, legal fees, and property damages but excludes personal belongings, intentional harm, and business-related incidents.Real cases show umbrella coverage saved policyholders from...

09 September

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Bad Faith Insurance Claims: When Companies Refuse To Pay Fair Settlements

Posted by Frekhtman & Associates

in Insurance Tips, Legal Advice

Insurance companies often refuse to pay fair settlements, leaving policyholders frustrated and stressed. Bad faith insurance claims happen when insurers fail to honor their legal duties to process claims fairly and promptly.Our guide explains the warning signs of bad faith practices and shows you the steps to protect your rights as a policyholder. Learn how to fight back against unfair insurance tactics.Key TakeawaysBad faith insurance claims occur when companies deny valid claims without reason, create unreasonable delays, or make unfairly low settlement offers. These practices violate consumer protection laws and the insurer's legal duty to policyholders.Insurance companies use deceptive tactics...

07 September

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Understanding Insurance Company Defense Strategies: What Every Victim Should Know

Posted by Frekhtman & Associates

in Insurance Tips

Insurance companies often use tricky defense tactics to reduce or deny valid injury claims. Many victims face unfair settlement offers that fail to cover their medical bills and lost wages.Our legal team will expose the most common insurance defense strategies and teach you how to protect your rights. You deserve fair compensation for your injuries.Key TakeawaysInsurance companies often use tactics like victim-blaming, downplaying injuries, and denying liability to reduce payouts. They search for evidence through surveillance, medical records, and social media to challenge claims.Quick settlement offers right after accidents usually don't cover long-term medical costs or future expenses. Victims should...

15 January

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Unveiling the Tactics of Defense Medical Experts in Personal Injury Cases

Posted by Frekhtman & Associates

in Insurance Tips, Legal Advice

Key Takeaways: Understanding Defense Strategies in Injury Litigation Key Aspect Details Defense Tactics Use of 'independent' medical examiners who often don't review patient films or reports before forming opinions. Legal Process Requirement of a 311d expert exchange in New York, and how defense teams use it. Cross-Examination Impact How effective cross-examination can expose the lack of due diligence by defense experts. Ethical Concerns Ethical implications of experts forming opinions without examining patients or medical evidence. Call to Action Encouragement for fair trials and discovery processes in personal injury cases. Introduction: A Glimpse into Defense Strategies in Personal Injury Trials Arkady Frekhtman, a renowned New York City personal injury trial attorney, reveals a less-discussed aspect...

26 June

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Winning Personal Injury Cases Against Insurer Bad Faith Tactics

Posted by Frekhtman & Associates

in Insurance Tips

Plaintiffs often assume that painful surgeries and medical treatments are the greatest challenges facing them after suffering serious injuries inflicted by a negligent defendant. Unfortunately, they’ll soon learn that the greatest threat of all is posed by deceitful insurance companies that rely on unethical practices to deny or manipulate even the most valid claims. In fact, many well-known insurance companies often quickly deny most claims in hopes of maximizing company shareholder profits. This practice is especially disturbing when the defendant’s liability is clear, and the badly injured policyholder has an immediate need to keep receiving the best medical care available. The following...