Articles Posted in Insurance Law

Your health treatment has been denied because your health insurer says it is not “necessary”? It’s not unusual for health insurers to deny coverage for procedures and medications which they deem “not medically necessary.”  Typically, this might start with a procedure which requires you to get advanced approval from the health insurance company.  Your doctor…

Friends: In the midst of a health crisis in America, now is a great time to make sure that if crisis strikes, you can talk to your loved one’s medical team. Now is a a GREAT time to do a living will (declaration for a natural death) and a health care power of attorney. Parents…

I write this as Hurricane Florence spins off the coast of North Carolina. Right now it looks to be a category 4 or 5 storm. As a North Carolina Bad Faith Insurance lawyer, I deal with cases where homeowners insurance or commercial insurance wrongfully adjusts or wrongfully handles storm claims. These claims typically include refusing…

In NC, accident reports do not include the claims phone number for the liability insurance company. Here is a list of some claims phone numbers. Seriously think about calling a lawyer before you call the insurance company for the driver that hurt you. Call the Nichols Law Firm. The liability insurance company is NOT on your…

Two Hundred and Thirty-five years ago to the day, North Carolina was the first of the Colonies to authorize its delegates to declare independence from Great Britain. So how is this relevant to “tort reform” and the pending legislation called Senate Bill 33 in the North Carolina House? Well, this law, proposed by Rep. Johnathan…

I am attaching below the letter I sent to three members of the North Carolina House Select Committee on Tort Reform. I believe that House Bill 542 may “look” good for business but have the unintended consequence of making North Carolina the WORST place for manufacturing in the entire United States. I’ve inserted a few…

The North Carolina House introduced House Bill 542 on March 30. This bill grants immunity from suit to any product “regulated” by a State or Federal Agency. This Bill will make NC a dangerous dumping ground for poisonous and defective drugs and products.  The Bill was filed, all of 18 hours before it was debated.…

NC House Bill 542 the Omibus “Tort Reform” Bill, has a provision that on its face seems to give immunity to “Emergency Rooms” for negligence. But the Bill is very subtle in the way it defines “emergency.”  This information was brought to my attention by a lawyer who used to be a Hospital Administrator and…

The North Carolina House is set to discuss a “tort reform” Bill tomorrow H542 (they have not “officially” released it but NC Trial Law Blog has an advanced copy) that would grant immunity from suit to any product “regulated” by a State or Federal Agency. UPDATE: 4:24 pm March 30, 2011: The Bill has finally…

The new GOP majority Senate in the General Assembly of North Carolina has just introduced the “wish list” of Medical Malpractice Tort Reform bills today. Senate Sponsors: Tom Apodaca(R), Tom Brown(R) and Bob Rucho(R). This proposed Senate Bill S33 is a laundry list of of ways to limit the rights of normal citizens in NC.…