Insurance

Cubbon and Associates represents individuals making claims against their own insurance companies.  When insurance companies fail to follow the rules, there may be a claim for bad faith.  When in insurance agents fail to provide necessary coverage, an errors and omissions claim may be presented.

We have experience in bringing claims for clients whose own insurance companies have failed to pay some or all of the benefits to which they are entitled pursuant to their policy.  This would include claims such as the following:

  • Refusal to pay life insurance proceeds;
  • Refusal to pay fire loss benefits after an insured has experienced a fire at his or her home or business;
  • Health insurance carriers refusal to authorize or pay for necessary medical treatment;
  • Refusal to pay automobile insurance proceeds, including medical payments, uninsured motorist payments, underinsured motorist payments, and the like;
  • Denial of benefits or representation due to alleged non-compliance with policy provisions relating to an automobile or general liability matter.

In some instances, Cubbon and Associates has been successful in obtaining rewards of punitive damages against a client’s insurance company for failing to provide payment as required.

This may include the tort of bad faith representation.  If you have a question, please let us know.  We can help.

FAQ’s

How much auto insurance must I have?
In Ohio, the state "minimum limits for liability insurance are $12,500/25,000 and there is no requirement that uninsured motorist coverage be offered or purchased.  In our opinion, the state law is woefully inadequate.  It does not take much to cause an injury that far surpasses the state minimum limits.  Also, even though our state requires insurance, many drive without it making uninsured motorist coverage extremely important.  Feel free to call us to discuss this very important matter.

What is uninsured motorist coverage?
This automobile insurance coverage is your protection from those who drive without insurance.  If an uninsured driver injures you, your uninsured motorist coverage will compensate you as if the other driver did have insurance.  There are rules and policy provisions to follow and it is strongly recommended that you are represented by counsel when making a claim for uninsured motorist coverage.

I have health insurance but the other guy is as fault so why should my insurance pay my bills?
The fastest way to have your accident related medical expenses paid is by submitting them to your health insurance carrier.  The carrier typically has an obligation to pay the bills.  Your insurer will typically then seek reimbursement when your injury claim is resolved.  This is called subrogation.