My opinion: This is a personal question that, like other insurance questions, comes down to your tolerance for risk. Generally, it's good to also consider other assets, including earning capacity. A lawyer or a doctor likely has a higher earning capacity than a McDonalds window employee or a...View More
I have several properties in CO, each in it's own separate LLC with me as the only member of each LLC. Does having all the LLC's insured under a PERSONAL liability umbrella defeat the entire point of the LLC's, (which is to keep each property only individually "liable" and... View More
Hi there, generally your personal liability policy is not going to cover the properties owned by the LLC given that the LLC is not the insured on the policy. You would need to read the policy to be certain. An umbrella policy for all of them could be a solution if there was adequate coverage and...View More
so i went to the chiropractor that was out of network with my insurance so the chiropractor submitted a claim to them after my visit to see if they would make an exception. my insurance sent me claim documentation and they approved to cover $78 of the total meaning i would have to pay $178 out of... View More
A Colorado attorney could advise best, but your question remains open for four weeks. Speak with the office's billing and collections personnel. Most medical offices would make adjustments where a patient paid out of pocket for charges that were submitted and partially covered. Good luck
Hi my name is Mary and I am a resource navigator I have a client who needs a lawyer but I am unsure what kind of lawyer to help her find. She is 19 and used to drive an ambulance, while driving she was in an accident she just was served stating she and the ambulance company is being sued. What... View More
A Colorado attorney could advise best, but your question remains open for two weeks. It sounds like your friend needs an insurance defense attorney. Occupants of the other vehicle are apparently making a claim for bodily injury or property damage, or both. She should make a copy of the papers she...View More
I had a sizable condo fire, and it was determined that it was the HOAs insurance policy that should make the repairs (not due to fault but bylaws- both parties agree). Suddenly, my HOA changed ownership a few weeks after the fire to a new company. Now the old HOA is saying that it is no longer... View More
A Colorado attorney could advise best, but your question remains open for four weeks. As a general matter nationwide, the issue is generally whether the policy was in effect at the time of the accident, barring any special conditions stipulated by the carrier. Carriers can extend grace periods to...View More
Hurt my back working out at the gym. I have insurance through my job. I got some testing done which includes imaging. I got a preauthorization and met my deductible, payed all bills. Two years later.. I get medical bills that hit my credit, then bills equating to $13,000 which my far surpasses my... View More
A Colorado attorney should advise, since the matter could involve state-specific laws, but your post remains open for five weeks. If you reached out to attorneys to discuss, they may want to review the file in its entirety, including authorizations, bills, denials, etc. and trying to identify where...View More
I have had an illness for months but specialist is still seeking diagnosis. Short term disability has been exhausted. Long term disability company is asking me to sign medical release for entire medical record and waive HIPAA in addition to other seemingly inappropriate questions that have nothing... View More
A Colorado attorney could advise best, but your post remains open for two weeks and you mention needing help quickly. One option is to start reaching out to attorneys who handle disability claims. Many attorneys in that area provide free initial consults - that's between you and the attorneys...View More
A Colorado attorney could advise best, but your post remains open for a month. If it was done close to the time of moving, it could have been an oversight. At any rate, correcting it could help avoid future headaches. Good luck
I woke up and I hear meowing coming from somewhere, and I thought it was my cat. It was actually another person's cat that was outside my front door. I didn't know this because it had no collar and I hadn't seen it before. Over the next couple of hours the cat stayed out there. I had... View More
My dad lives in Longmont. "Duplex" is probably not the correct term: it is a single building that contains two residences, each owned by a separate person. The area has an HOA. There was a hail storm a few months ago. A roofer and my dad's insurance (State Farm) adjuster... View More
You may be better off just having your dad's neighbor go straight to an attorney who specializes in first-party property insurance bad faith claims. That lawyer can get a better idea of the facts of the case and point them in the right direction. Often bad faith insurance litigation firms...View More
I own an insurance agency and purchase lists that are supposed to be names, addresses and potential homeowners renewal dates. The vendor I use pulls information from public records like real estate transactions and the census. Occasionally, in a month with a list of 4000 potential homeowners... View More
Even if it were illegal it would be prosecuted by the county attorney for a criminal act, or more likely the Dept. of Regulatory Agencies (DORA) for a regulatory violation. She has no private right of action to sue you for mistaken advertisement....View More
You have three options. One, you can appeal the insurance company's determination. Two, you can see if the insurance company's determination voids some or all of the medical charges because of the violation of the agreement between the doctor/hospital (I have seen over $200,000 worth of...View More
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