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March 2019 Archives

Limits on the duty to defend

When you obtain an insurance policy with a company in Washington, you enter into a contract with your insurer. Your insurer then has a responsibility to fulfill three duties, one of which is the duty to defend. In other words, if someone else brings a lawsuit against you for damages covered by your insurance policy, your insurer has a responsibility to cover the costs of your legal expenses. However, the duty to defend is not all-encompassing. We at LePley Law Firm believe that it is important for you to understand the limits on your insurer's duty to defend in order to ascertain whether your insurer has broken faith with you.

How to handle your ERISA claim

Many private, non-government companies offer their employees health insurance coverage, as well as many other benefits, including life insurance, 401k, COBRA insurance, disability insurance, pensions and other retirement plans. If you are employed with such a company, you have rights when it comes to getting your insurance and benefits. The people who handle your health care insurance and benefits with the company are held to certain standards when offering these plans. These standards are listed in the Employee Retirement Income Security Act of 1974 and are otherwise referred to as ERISA.

Time is of the essence when it comes to your homeowners' claim

If you have recently sustained severe damage to your residential property, we at LePley Law Firm know that you may feel paralyzed, overwhelmed by the circumstance and unsure of what to do next. However, in order to have any hope of receiving compensation from your homeowners' insurance, you need to act quickly. Contacting your insurer and filing a claim should be one of the first tasks on your list of things to do following damage to or destruction of your home. This is because there are limitations on the time you have to do so after the event occurs.

3 things you need to know about home insurance

When a family in Washington buys a home and purchases home insurance to protect it, they should have peace of mind that the property is protected in the event of an emergency. Unfortunately, there are times when an insurance company may not pay, or a claim may be denied because of something the policy holder was unfamiliar with.

What does workers' compensation insurance cover?

As a Washington worker, the law likely requires your employer to have a workers’ compensation insurance policy in place. This means that if you get injured at work or suffer a work-related illness, your employer’s work comp carrier must pay for your associated medical and other expenses.