Archive for insurance

Federal Court Hears Cannabis Patients’ Class Action Suit Over Insurance

A lawsuit that was filed earlier this year by medical cannabis patients and a cannabis production company has now been moved to federal court. This class action lawsuit seeks to challenge health insurance companies after they have refused to cover costs of medical cannabis.

The group of six medical cannabis patients in New Mexico and Ultra Health, a cannabis producer, asked in June that a state district court judge order health insurance companies in New Mexico for coverage of medical cannabis for its members. They brought this lawsuit after the enactment of a state law that requires insurance providers to cover behavioral health services, stating that this should include medical cannabis.

These seven providers refiled in federal court after being advised by their lawyers and arguing it would be the appropriate venue when the plaintiffs’ claims are tied to federal law. This is due to the fact that the federal Employee Retirement Income Security Act sets the standards for many of these plans, so it preempts plaintiffs’ claims. They also say that this move is justified since this lawsuit raises disputed and substantial federal law issues. The main issue it raises is whether a state is allowed to mandate coverage of a substance that’s illegal under federal law.

Governor Michelle Lujan Grisham praised the bill that led to the state law which prohibits cost-sharing when it comes to behavioral health services. She said, “We can make a real, meaningful difference by reducing the costs for those with insurance who seek help by eliminating the co-pays for behavioral health services”. Even with this support from the official, the state agency for regulating insurance maintains that it doesn’t have the authority to make providers cover cannabis.

New Mexican State senator and attorney Jacob Candelaria is one of the plaintiffs in this lawsuit. He’s been open about cannabis use and that he’s been a medical cannabis patient for years. Senator Candelaria has litigated worker’s compensation cases in the past. He believes that this move is being used as a stalling tactic and that the matter eventually will be heard in a state court to determine New Mexico’s policy in regard to Senate Bill 317.


Motorcycle Insurance Coverage – Don’t Ask Why, Ask How Much is Enough

Like cars and trucks, motorcycles travel on public roads. As a result, they fall in the same category of required insurance coverage, regardless of the size of the motorcycle and how fast it might go. That insurance can range from a bare minimum to a full comprehensive package. At a minimum, every state requires a motorcycle to be insured with a basic minimum coverage to protect other drivers on the road in terms of liability. The amount of that coverage varies from state to state, but it basically provides two categories of protection: medical cost coverage and property recovery.

Risk Comparisons With Reality

Interestingly, motorcycles have lower costs for insurance but have a higher rate of accident frequency and, in serious cases, fatalities. Many of the accident statistics are due to the fact that motorcycles have no protection to speak of in an impact, so the rider is fully exposed to harm. Secondly, other drivers generally don’t see motorcycles on the roads with them; numerous accidents involve car drivers who never saw the motorcycle, even when it was in their direct sight – they are simply too small to notice consistently.

Choosing the Right Coverage as a Rider

The bottom line, however, is that the insurance plan a rider chooses can really impact the outcome of an accident. Clearly, minimum coverage plans meet basic requirements in a given state, but they do very little to help recovery. At the other end of the spectrum, comprehensive plans cover far more than just the road. For example, if the motorcycle gets stolen or damaged while parked, a full plan will help get a rider back on the road. The big component that matters, however, is personal injury protection, or PIP. This is the coverage element that helps a rider get back up on his or her feet after an injury the most. With minimal or no medical coverage, a rider is really taking a chance on the road. Because of the typical severity of motorcycle accidents, it’s rare for a rider to come out of an impact unscathed.

There’s no question that the more coverage that is included in a plan, the better off a rider will be. That said, most folks are on a budget and don’t want to overpay for a risk that never happens. Ideally, comprehensive is best, but it’s also possible to work up to a better plan over time. However, riders should never go without coverage at all. There’s simply too many chances of being hit or making a mistake on a motorcycle and it turns into something serious every day. Coverage isn’t a question of whether to have it or not; it’s a metric of how much can be applied.

The Process of Filing a Personal Injury Insurance Claim

Even though you always put safety at the top of your priority list, other drivers might not do the same thing. Even seemingly minor accidents can lead to significant injuries. If you have been involved in an accident that is not your fault, you should not be responsible for all of your medical expenses. That is why you may decide to file a personal injury lawsuit against the insurance provider of the other driver.

A personal injury insurance claim can be brought by someone who has suffered injuries in a motor vehicle accident. In the lawsuit, you will seek financial compensation for any losses or injuries you might have sustained. This compensation can replace lost income, cover medical expenses, and replace property you may have lost.

If you are not at fault for the accident, you can claim that the other person was responsible and ask the insurance company to honor the insurance policy and compensate you accordingly. The insurance company will have an adjuster who investigates the facts of the accident, and you should work with a personal injury lawyer who can guide you through the process.

A personal injury lawyer can help you collect the necessary documents to put your personal injury claim in the best position possible to succeed. The lawyer can then present the evidence to the court, helping you seek as much financial compensation as possible. This could drive the insurance company to the table, helping you get a more favorable settlement.

Even though a lot of personal injury claims result in a financial settlement, a personal injury lawyer can take a look at your injuries, compare them to the insurance policy, and make sure you are compensated appropriately. This requires training and experience, so you should rely on a personal injury lawyer to assist you.

Every accident is different, and a personal injury insurance claim can be complicated. You should rely on a personal injury attorney who can help you every step of the way. That way, you receive as much financial compensation as possible. You should not speak to an insurance company without a lawyer who can advocate on your behalf. Even if you think the facts of the case are on your side, you should retain a personal injury lawyer who can assist you.