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What Does It Mean When an Insurance Company Denies Your Spoken Personal Injury Claim?



What Does It Mean When an Insurance Company Denies Your Spoken Personal Injury Claim?

If your personal injury claim has been denied by an insurance company, it can be a tough and confusing situation. If the company has credible proof for denying your claim, there is probably not much you can do about it. But if a Spokane personal injury attorney has carefully examined your insurance details and thinks your claim has been wrongly denied, you may have a valid reason to take legal action. If you are in this situation, you must consult an experienced injury lawyer to help you explore this complex law area. 

Why Your Injury Claim Has Been Denied

Insurance companies exist to make money. They may deny a lot of valid claims as they try to make more profits. While the law offers avenues to make sure insurance providers act in good faith, some claims can be correctly rejected on certain grounds. This can happen if:

  • You failed to file your claim on time. In Washington, you have three years to file a personal injury claim. Although this can seem like a long time, years can quickly pass as you go through all the complexities involved in your claim. 
  • Premiums are not paid on time. Insurance companies only honor contracts that don’t lapse. Without a good record of payment by their policyholder, an insurance company can deny your claim. 
  • The company thinks its policyholder is not at fault for the accident. Your claim can be denied if the insurance company believes the insured is not liable for the accident. While you have valid injuries and claims, insurance adjusters will find reasons they must not be responsible for resolving your claim. 

Taking Advantage of Protection from the Law

In Washington State, insurance companies are not allowed to engage in unfair or deceptive practices. They must investigate and assess your losses promptly and thoroughly. Also, they should pay or deny your injury claim on time and in compliance with your policy and applicable laws.  You can hold an insurance company liable for bad faith claims handling if they handled your claim in a way that violated the Insurance Fair Conduct Act. 

Make sure you consult a skilled lawyer to help you navigate the laws and make sure the insurer does not engage in unfair settlement practices. Unfortunately, insurance companies usually do whatever they need to, so they can avoid paying your claim. Your lawyer can help you determine if the insurer wrongfully denied your claim and advocate for you, so you can get fair compensation for your injuries. 

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Advice On Extending The Life Of Your Memory Foam Bed



Advice On Extending The Life Of Your Memory Foam Bed

The ultra-absorbent polyurethane foam used to produce memory foam mattresses sometimes referred to as “synthetic viscoelastic foam,” provides pliable support that makes lying on one feel like lying on a cloud. Given that NASA developed memory foam for space shuttles, that is logical. Customers have gushed about the wonderful comfort these beds offer since memory foam entered the mattress market.

Maintaining the quality of the best memory foam mattresses you have purchased became essential over time. At the end of this post, you will grasp the tips on how to maintain the comfort and durability of your memory foam mattress. read in advance;

1. Ensure Your Mattress Is Safe

Innovative mattress protectors. A mattress protector should fit snugly, like a fitted sheet, to prevent spills and stains. Encasement protectors, which cover all six sides and have a zipper, are also available (including the bottom). Sleepers with allergies or bedbugs can utilize the best mattress encasement protectors. Whether you eat in bed or not, a mattress cover is vital to protect your mattress from bodily fluids, skin flakes, spilled food, and drinks.

2. Lay A Firm Foundation

Having a base isn’t required for a memory foam mattress to operate well, but it will raise your bed to the right height. If you use memory foam mattresses, your base must be solid, level, and gap-free. Slats on a slatted base should be no more than 2.75 inches apart to prevent uneven mattress wear. If the slats are too far apart, you’ll need to buy extra or use a plywood board.

3. Prevent Pets And Children From Jumping

This counsel is direct. Pets who roam freely and lie on the bed stimulate the spread of germs, insects, and bacteria where you sleep. The perfect situation is when you meet a nice and cuddly bedmate. The worst-case situation is parasite eggs nearby about to hatch. It’s encouraged to ban youngsters under 8 from jumping on beds. Bouncing on the bed is not only hazardous, but it also damages the mattress. The memory foam is overworked by the quick up-and-down movements, which don’t prolong its life.

4. Rotate Your Mattress Regularly

It’s common if you’ve heard of this advice, but have you ever put it to use? Rotate your memory foam mattress 180 degrees every season, starting right away. This method is based on the idea that sleeping in the same spot on the mattress every night could be uncomfortable and lead to a concentration of wear and tear in that area. It should be noted that certain high-end made in the USA mattress producers make mattresses that don’t need to be turned.

5. Make Your Mattress Clean

Your memory foam mattress may be protected against sweat, dust mites, and other allergies by vacuuming it at least twice a year. Start by sprinkling baking soda on your stripped mattress since the longer it remains there, the better. A few drops of essential oil are an optional addition. At some point, take out the vacuum and completely remove the baking soda using the upholstery attachment. The tufts, seams, and areas between the mattress and foundation are known to be dust mite havens.

6. Do Not Make Your Bed

You did indeed read that correctly. While it might appear illegal to put off making your bed, it is not recommended. Delaying making the bed gives your memory foam mattress and linens time to breathe, giving any moisture that may have accumulated throughout the night a chance to evaporate.

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