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Since you’ve landed here, there’s a good chance you’re having trouble with your insurance claim. Unfortunately, I meet a lot of people when they’re at their lowest, most discouraged points in their lives. The first thing I tell them is this: Policyholders in the State of Washington have important rights. About 10 years ago, I […]

Who we are Suggested text: Our website address is: https://ruizandsmart.com. Comments Suggested text: When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection. An anonymized string created from your email address (also called a […]

What it is “Insurance bad faith” is a legal term that describes when an insurance company underpays, delays, fails to communicate, or otherwise disadvantages an insured. Insurance bad faith is illegal, and the law creates several ways for policyholders to hold insurance companies accountable in court. Examples Insurance bad faith can take many forms, but […]

The last time I wrote a blog post, it was 2012 or 2013. I had been writing about Washington’s Insurance Fair Conduct Act, mostly because I wanted to make sense of it for myself and share what I was learning with others. That blog eventually turned into a book, which, to my surprise, found a […]