Using Insurance Appraisals To Resolve Insurance Coverage Disputes

It is not uncommon for an insurance policy to have an appraisal provision to resolve such disputes in lieu of more expensive and time-consuming legal action. An appraisal is a supplementary arrangement to arrive at a resolution of a dispute without a formal lawsuit. Provisions for appraisal of an insurance loss, whether under policy terms or pursuant to independent agreement, are valid and binding on the parties. 

Read More
Harley Erbe
An Expanded Look At Iowa's Uninsured Motorist Coverage Law

Not all vehicle owners comply with Iowa's financial responsibility law, which requires liability insurance of a certain amount for all motor vehicles. If you're in an accident with an uninsured vehicle, there may be no money available to pay monetary compensation unless the vehicle owner has sufficient assets to cover the damages. Otherwise, your only possible recovery will be through the uninsured motor vehicle coverage on your vehicle.

Read More
Harley Erbe
Causation -- An Often Overlooked Element In Wrongful Termination Cases

The causation element of a wrongful termination claim requires you to prove that your protected activity was the "determinative factor" in your employer's decision to fire you. A factor is "determinative" if it is the reason that tipped the scales decisively one way or the other, even if it was not the predominant reason behind your employer's decision to fire you. So how do you prove causation, that your protected activity was the determining factor in your employer's decision to fire you?

Read More
Harley Erbe