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Devon M. Thurtle Anderson

Devon Anderson’s Answers

22 total

  • Auto insurance is company raising premium every 6 months by giving a wrong reason... is it illegal?

    My auto insurance company is increasing premium every 6 months and when I ask a reason, their reason to increase is ' Oh rate is increased because all over WA state claims are increased so cost is increased And they add oh we had a rate revision ...

    Devon’s Answer

    In Washington, insurers must submit their proposed rate increases to the Office of the Insurance Commissioner ("OIC") for approval. These requests must include enough financial information (actuarial- based) to verify the need for the requested rate. If the OIC is satisfied with the rate information, it is required to approve the request.

    So, assuming the rate has been approved by the OIC, then they can charge you that rate. Contact the OIC's office if you are concerned that you may be being charged rates not approved by the OIC.

    You can find more information in the link below.

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  • Auto insurance company's contract says jurisdiction can only be OHIO is there any way around it to bring an action in locally?

    Auto insurance company's contract / user agreement terms and condition says I cant bring a legal action against them in state of WA in local county because terms and condition says it has to be only in a particular county in OH. It is practical...

    Devon’s Answer

    If you plan to hire a lawyer to represent you in your lawsuit, then I recommend presenting this question to your attorney. If you plan to file yourself, then it's likely a Washington court will not enforce the Ohio requirement. Specifically, RCW 48.18.200 generally prohibits terms in Washington-issued insurance policies that require litigation in another state.

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  • 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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