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From the Public Justice Website – How Federal Preemption is Hurting and Killing People:

Michelle Nemphos wanted to protect her child. What she found herself in was a little-understood legal fight for her right to a day in court. The Nemphos ...


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Attorney Stuart Eppsteiner interviewed by NBC Miami’s “Team 6 Investigation” – discussing Frontload Washer Mold and Odors. He describes their inherent design problems, and how it affects consumers nationwide.

Read more about Stuart Eppsteiner’s NBC ...


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E&F CLIENT’S CASE ABOUT SOFTHEAT, SMARTHEAT, DUNLAP AND KAZ HEATING PADS IS CERTIFIED AS CALIFORNIA CLASS ACTION!

Have you purchased a heating pad? Did its box disclose that you can burned at any heat setting, that you cannot lie ...


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MAYBELLINE “ILLEGAL LENGTH” MASCARA:  DOES IT ADD 4 MILLIMETERS TO YOUR LASHES?

Are you one of millions of women who strive to achieve longer lashes? If you purchased Maybelline New York’s “Illegal Length” Mascara and found that it did ...


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12555 High Bluff Drive, Suite 155
San Diego, CA 92130

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Insurance Coverage


California | Colorado Attorneys

1. Do you know what insurance coverage you bought? Is your insurance policy’s coverage different from the coverage you were told you would have?

When selling insurance policies, salespersons describe their carrier’s policies in many ways. Insurance companies use advertisements, “summaries,” lists, brochures, and others writings they directly, or through their agents, provide you to describe the claims they will pay or coverage their policies provide.

Sometimes the advertisements, summaries, lists or brochures describe things that they will pay for, when in fact the policy you are mailed, usually months after your buy it, does not cover or pay for things described in the summaries, lists and advertisements.

Given that insurance is almost never sold by giving you the policy, before you buy it, with an agent or salesperson explanation of what you actually bought, insurance policies often have unpleasant surprises based on coverage that is different from what you were promised or told you were buying.

2. Does your policy contain illegal provisions?

In addition to giving consumers policies that are different from what they were told they were buying, insurance companies sometimes write their insurance policies in violation of state laws. States prohibit certain exclusions and policy restrictions; yet, when an insurance company sells policies in several states there have been situations where their multi-state policy violates the laws of some of the states, in which it is sold.

3. Has your health insurer incorrectly categorized your treatment and thereby eliminated your coverage?

When it comes to health insurance, a policy generally describes what medical care or treatments are covered, but it does not usually describe all possible treatments, illnesses or conditions. The medical industry uses a coding system to describe patient treatment. The codes are linked to whether or not, how much and for how long a health insurer will pay for treatment. Through erroneous or questionable coding of your condition, illness or treatment, you can lose your coverage or have it limited.

4. Property Insurance: If there are covered and non-covered reasons to remove or replace part of your home or building, which did your insurer pick?

The need to remove drywall, tile, natural stones, or to test heating or air conditioning equipment could be because of a non-covered cause or because of covered cause. Has your carrier overlooked the covered cause and just flat-out denied your claim? You may need experienced coverage attorneys to review your policy to sort out the morass of coverages, exclusions and definitions that have to be pieced together to truthfully determine whether your loss is covered.

5. Were you made aware when signing up for insurance that you would receive a “short rate” refund (in truth a penalty) if you cancelled the policy before the end of the policy term?; were made aware of your insurance company’s “short rate” refund policy when you purchased your policy?; were you made aware of your insurance company’s “short rate” refund policy when you called to cancel your policy?

A “short rate” is the insurance premium rate an insurance company charges you when you cancel your policy before it expires. While most insurance companies return to their insured the pro-rated unused portion of the premium, a small group of insurers charge their policy holders a penalty for terminating their policy before its expiration. Those companys refund only the short rate unused portion of the insured’s premium. Farmers’ did not notify the insured that contacted Eppsteiner & Fiorica at the time it sold the policy, when it sent renewal notices, when the insured cancelled his policy, nor even then they sent him his policy refund, that they were only paying him a “short rate” refund. Isn’t this conduct deceptive, misleading and based on withholding material information? Eppsteiner & Fiorica is currently investigating the practices of Farmers Insurance, who has been brought to our attention by a consumer who claims they were not told they would be paid only a “short rate” refund when he cancelled his policy. Please continue for more information regarding this investigation.

At Eppsteiner & Fiorica, our experience is that insurers often do not interpret policies fairly or to favor you. Sometimes you can work out disagreements with your insurer. However, too often you will need a lawyer with expertise and experience in insurance coverage matters who can sort out the tangle of provisions, exclusions and definitions, and put together the pieces needed to perfect your insurance coverage and get your claim paid. When you cannot get a good coverage solution worked out on your own and need legal advice and an attorney:

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TESTIMONIALS

“We were a small group of homeowners sharing a common problem – leaking, moldy windows. After the window manufacturer refused to help, we retained Stuart Eppsteiner to pursue legal action. Stuart and his team discovered the causes of the window ... Read More...

“We had problems with the windows in our house. Stuart took charge of things, had experts figure out what was wrong, filed suit and settled the case with a great result. Stuart was available to me during the lawsuit and ... Read More...

“Eppsteiner and Associates exemplify why one works with a boutique law practice specializing in construction law – experienced partners who do the work, looking out for the client’s interests first (and not their own) and taking ownership. Over many years ... Read More...

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Stuart Eppsteiner
Phone: 858-350-1500
Fax: 858-350-1501
Email: stuarteppsteiner@eppsteiner.com

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NOTICE:Eppsteiner & Fiorica Attorneys, LLP is a California Limited Liability Partnership. Our attorneys are licensed to practice law in California and Colorado the firm and its attorneys have attempted to comply with all legal and ethical requirements of those jurisdictions. We have created this internet landing page, and its links to www.eppsteiner.com, for information purposes only. Eppsteiner & Fiorica attorney provide legal advice and practice law for clients in federal courts in the United States and in California and Colorado state courts. No information accessible on or through this landing page or the www.eppsteiner.com website should be construed as legal advice, legal opinions, an endorsement of any matter, or a solicitation for legal business. You should not rely on any content on this landing page or www.eppsteiner.com as legal advice for your particular matter. 
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Phone: 866.548.8857
Fax: 858.350.1501


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San Diego, CA 92130
1260 Yellow Pine Ave
Boulder CO 80304

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