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Devon M. Thurtle Anderson

Devon Anderson’s Answers

20 total


  • What do I still have to pay

    A tree fell on our house in August, there is a hole in my ceiling making near impossible to heat and exposing my small children to breathing insulation in a place that he supplied an asbestos warning and has the insurance adjuster out and we haven...

    Devon’s Answer

    As a tenant, you definitely have rights in this situation. However, you'd benefit from an attorney to help you navigate and enforce those rights. There are a number of free resources that you may qualify for locally. Start by contacting the Housing Justice Project; they help King County residents, but will likely have a referral to resources in Snohomish County. Also look into the Northwest Justice Project, as you may qualify for their legal help as well. The Tenants Union of Washington State also has some links to free and low-cost legal help on their website.

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  • What do I do when I am being accused by an insurance co of damages I did not cause, I did not have insurance coverage on the car

    While I was pulling into a diagonal parking space I was struck by the driver on my passenger side of my truck. It was originally determined that the other party was at fault , the decision was reversed and I am being accused. Although I was insure...

    Devon’s Answer

    In addition to the response above, if the insurance of your own that you refer to is your own liability insurance, then you should request that your liability insurer hire a lawyer to defend you. If you have this kind of liability insurance, then the lawyer that your insurance company pays for can help you answer your questions.

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  • What rights do i have as a consumer when a homeowners insurance claim is denied?

    I am experiencing water intrusion into a wall on my main floor from the roof as a result of recent storms. I have field a claim, had a restoration come twice to assess, document and provide an estimate. Belfor believes that this should be covered,...

    Devon’s Answer

    • Selected as best answer

    I highly recommend speaking with an attorney about the particulars of your policy and your situation. Although policies differ, the situation toy describe is very likely covered. If so, and if you have to sue Safeco for coverage, then you may be able to recover not only the amount of your claim plus your attorney fees, but also triple damages if a court finds that the denial was in bad faith.

    Most attorneys will look at your policy for free, and many will work on a contingency basis, which means you don't pay the attorney unless you recover from Safeco. Therefore, it is worth meeting with an insurance coverage lawyer about your issue.

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  • We signed up for paperless statements with insurance. we fall into lapse period because We didn’t receive any proper notice

    or policy expiration letter through regular US mail instead of emails. even after the policy was expired. couple days later i got into fender bender accident where i may be consider at fault. our insurance denied this claim. They told us that in...

    Devon’s Answer

    Typically, when you opt into paperless notices, they stop sending you mail. They send them via email instead. Reading the question above, it appears that you did receive notice of policy expiration electronically, is that right? If so, then you received actual notice of the policy expiration, and the insurer likely did nothing wrong. If you did not receive anything via email (and if you're sure it's not in your spam), then there is a Washington regulation that the insurer likely violated. That WAC requires the insurer to provide notices of a policy's cancellation or non-renewal not less than 30 days prior to the termination of coverage. The insurer's violation of that WAC, if it was indeed violated, may give rise to a bad faith claim against the insurer, which would allow you to make a claim that coverage should have been continued. To sort through these issues, you should speak with a lawyer about the details of your case.

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  • Uber and insurance refusal

    Hi, Uber is ignoring/refusing my requests for my Uber Seattle provided insurance w/ policy number, insured name, insurer name, etc. My account is activated and they say I can drive. However, they have not given me my insurance information and are ...

    Devon’s Answer

    It's my understanding that Uber has technical support for its drivers. I recommend that you contact them about that section of the app not loading. Also, try to get something from Uber confirming that, because you are approved to drive, you are covered by their policy. This may help if any issues arise while you are working out the technical glitches.

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  • Can we have "double coverage" for business insurance in Washington State?

    My husband is a freelance music instructor. Our general liability insurance covers him wherever he teaches, including at a public school where he teaches as an independent contractor. We've had this insurance for ten years, and it automatically r...

    Devon’s Answer

    I agree with the answers above, and highly recommend speaking with another insurance agent. Double coverage is common, and is not illegal. In addition, you can typically cancel a policy and replace it with a new policy at any time (although you can't always get your premium back). A good agent could also help you negotiate a 3-month extension of the current policy, or simply change the renewal date. This is definitely an issue you should speak with a qualified insurance agent about.

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  • I'm being asked to sign a affidavit of assets and provide copies of my tax tax returns

    I was involved in a car accident, the other party was a pedestrian, I was found not to be at fault by the police officer. My insurance wants to settle, I disagree but they are still going that direction. The pedestrians attorney won't settle unles...

    Devon’s Answer

    You should request that your insurance company hire an attorney to represent you.

    Your auto insurance provides coverage that not only pays for a settlement/judgment to which your coverage applies, but your insurance policy also provides defense coverage. This means that, if another person asserts a claim against you (like the pedestrian here), your insurance company has a duty to hire a lawyer to defend you. Tell your insurance company you would like defense counsel to review the settlement on your behalf.

    As for the affidavit and tax returns, this is an unusual settlement requirement, highlighting the need to have your own attorney (again, paid by the insurance company) to review the settlement. It may be legitimate, but that simply depends on the precise terms of the entire settlement, so attorney review is necessary.

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  • Can I Force a life ins. co. to reissue a check directly to my Dad's VISA co. to settle his bill?

    My Dad passed away 1-7-14', and he had an ins. check to pay any outstanding bills. But the check is issued to: The Estate of my Dad not the VISA co. Also my Dad passed away without a will, so I only have a medical po...

    Devon’s Answer

    Typically, life insurance benefits are issued to the beneficiary named on the policy.

    Even though there was no will, the estate should be properly settled to preserve any assets, including property and these life insurance proceeds. An attorney can help you in closing this and other matters left open with the estate.

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  • Help

    Broke leg. Needed physical therapy. Was told by Blue Cross and Blue Shield and Advance Sport and Spine after they verified my benefits No co-pay . Went 17 times and never asked for a co-pay. Now they sent me to collections and to small claims cou...

    Devon’s Answer

    Your rights depend on the specific language of your policy, and potentially any financial agreement you likely signed when you began therapy. If your insurer told you directly that your benefits were verified and no co-pay applied to this provider, I recommend filing a complaint with the Insurance Commissioner: http://www.insurance.wa.gov/complaints-and-fraud/file-a-complaint/insurance-company/ and that may help get it resolved before legal help is necessary. However, you may still have an obligation to pay the provider, then pursue reimbursement from BC/BS, again depending on the terms of any financial responsibility agreement you may have with them. An attorney can help you determine whether the provider's collection efforts are legally enforceable.

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  • In reference to an insurance claim, what is a "bad faith claim"?

    I just heard the term "bad faith claim". What does this mean?

    Devon’s Answer

    Bad faith refers to more than just an insurance company's refusal to pay. Bad faith is a cause of action (in other words, it is a basis for asserting a lawsuit) that arises when the insurance company fails to handle your claim in good faith. Bad faith includes wrongful and unreasonable denial of a claim; however, it is more than that. It also includes other breaches of the insurance company's good faith duties. For example, an insurance company has a duty to investigate your claim. If they fail to conduct a reasonable investigation, they've committed bad faith. If your policy is a liability policy, then the insurance company may have a duty to pay a lawyer to defend you. If so, and the insurance company refuses to pay for your defense, then this also may be bad faith. Acting unreasonably in adjusting a claim, and failing to communicate promptly with the insured may also be bad faith.

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