Legal Advice

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Who Is Responsible For a Bad Drug Reaction?

a person pouring pills into hand from prescription bottle

Medications often come with a laundry list of potential side effects, ranging from mild to severe. You have likely experienced a reaction to a drug at least once in your lifetime. Over 4 million Americans visit the emergency room every year with complaints related to a new medication.  While side effects are often a necessary evil when taking a new drug, there are certain steps that both the pharmaceutical company and prescribing healthcare professional must take to ensure no one is unexpectedly harmed by a medication.  When is a Pharmaceutical Company Liable for Side Effects? It is the duty of the drug manufacturer...

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Understanding Personal Liability Insurance

man with cane has fallen on steps

Most individuals understand that their homeowners insurance covers damages related to the home, personal property, and certain surrounding structures. They may be less aware that they are also covered, to an extent, in cases of personal liability.  What is Personal Liability Insurance? Personal liability insurance protects an individual in the event that someone is injured on his or her property. It also provides coverage when someone living within the home damages another person’s property. Generally speaking, most personal liability claims happen as a result of negligence. If someone slipped on your sidewalk as a result of an un-shoveled snow, for example, you may...

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Understanding Bad Faith Insurance Claims

Policyholders pay insurance premiums under the impression that they will be reasonably assisted in the event they need to file a claim. They expect adequate coverage to pay for damages, and they assume they will be protected from any claims made against them by other individuals. In most cases, this is true. Insurance companies act in good faith, making reasonable pay-outs and negotiating in their policyholders best interests. Unfortunately, the opposite also happens. An insurance company may deny a claim without just cause, fail to communicate important matters, or offer a settlement that is far too low.  What is a Bad Faith...

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Top 5 Reasons Insurance Companies Deny Roofing Claims

removing shingles on a roof

Top 5 Reasons Insurance Companies Deny Roofing Claims Roofing repairs and replacement fall under homeowner's insurance, which can vary significantly depending on individual companies and policies. For example, some comprehensive policies may include hail damage coverage, while others require that you select and pay for this coverage separately. In any case, you will want to review your policy thoroughly before undertaking any roofing repairs or a replacement. There are several instances where a new roof or more extensive repairs may not be covered, and the last thing you want is to be stuck with a massive bill because you didn't read the...

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