[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/www.rizklaw.com\/blog\/insurance-companies-use-their-own-inefficiency-to-evade-obligations\/#BlogPosting","mainEntityOfPage":"https:\/\/www.rizklaw.com\/blog\/insurance-companies-use-their-own-inefficiency-to-evade-obligations\/","headline":"Insurance Companies Use Their Own Inefficiency to Evade Obligations","name":"Insurance Companies Use Their Own Inefficiency to Evade Obligations","description":"Imagine telling the IRS that you can\u2019t file your return because you can\u2019t locate your records, and expecting the IRS to relieve you of your tax obligations. Most people wouldn\u2019t even consider using that excuse; yet insurance companies are presenting the same argument to avoid producing records in insurance coverage disputes. Other Insurance Information Valuable...","datePublished":"2014-01-26","dateModified":"2025-01-08","author":{"@type":"Person","@id":"https:\/\/www.rizklaw.com\/blog\/author\/rizklaw\/#Person","name":"Rizk Law","url":"https:\/\/www.rizklaw.com\/blog\/author\/rizklaw\/","identifier":9,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/10e23ce5e6c4dadb4589cd8edf2c3f59ac356a6e876c3656917777913d9c3bc1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/10e23ce5e6c4dadb4589cd8edf2c3f59ac356a6e876c3656917777913d9c3bc1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Rizk Law","logo":{"@type":"ImageObject","@id":"https:\/\/www.rizklaw.com\/wp-content\/uploads\/2024\/03\/rizk-law-logo-footer.jpg","url":"https:\/\/www.rizklaw.com\/wp-content\/uploads\/2024\/03\/rizk-law-logo-footer.jpg","width":278,"height":65}},"image":{"@type":"ImageObject","@id":"https:\/\/www.rizklaw.com\/wp-content\/uploads\/2024\/03\/Richard-Rizk-headshot.jpg","url":"https:\/\/www.rizklaw.com\/wp-content\/uploads\/2024\/03\/Richard-Rizk-headshot.jpg","width":383,"height":427},"url":"https:\/\/www.rizklaw.com\/blog\/insurance-companies-use-their-own-inefficiency-to-evade-obligations\/","about":["Insurance Issues"],"wordCount":284,"articleBody":"Imagine telling the IRS that you can\u2019t file your return because you can\u2019t locate your records, and expecting the IRS to relieve you of your tax obligations. Most people wouldn\u2019t even consider using that excuse; yet insurance companies are presenting the same argument to avoid producing records in insurance coverage disputes.Other Insurance Information Valuable in Coverage DisputesSome of the most valuable information, called \u201cother insurance information,\u201d a policyholder can gather concerns an insurance company\u2019s handling of similar claims previously submitted by other policyholders. \u201cOther insurance information\u201d may reveal different key provisions and conduct in comparable policies, which would indicate the insurance company\u2019s bad faith conduct in its treatment of a current policyholder.Insurance Company Resistance to Producing RecordsInsurance companies often strongly resist producing \u201cother insurance information,\u201d arguing that producing it would be burdensome and costly. A policyholder should flatly reject this argument. Courts across the country have held that a cumbersome recordkeeping system does not relieve an insurance company of its obligation to produce information. The fact that the company keeps its records in different locations or that there are too many records to gather does not excuse it from its obligations.Permitting insurance companies to produce only those records they can easily search for in the record keeping system they designed themselves would allow them to produce only what they choose to provide, rather than what is relevant. As one court ruling stated: “You can\u2019t just throw everything in a big box and say we can\u2019t find it.”Disclaimer: Our law firm does not handle home insurance claims. We exclusively handle insurance claims related to auto injuries, trucking accidents, and dog bite cases."},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Blog","item":"https:\/\/www.rizklaw.com\/blog\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Insurance Companies Use Their Own Inefficiency to Evade Obligations","item":"https:\/\/www.rizklaw.com\/blog\/insurance-companies-use-their-own-inefficiency-to-evade-obligations\/#breadcrumbitem"}]}]