The use of artificial intelligence (AI) is increasingly becoming a part of our daily lives, from the way we interact with chatbots to find information online to seeing images of past presidents seemingly sharing a friendly tea in whimsical settings. Although the benefits are many, the risks are serious. The creators behind the photos noted above released the images throughout media platforms to remind the public of the ease with which fake photos can spread and the answers given by chatbots are not always accurate. Even knowing these risks, large corporations and government agencies often use ..read more

Insurance serves an important purpose and provides a benefit in many areas of our lives. Car insurance, medical insurance or homeowners’ insurance are all designed to shield us from major expenses after an accident or disaster. The insurance claims process usually involves several steps that must be completed correctly and within certain deadlines. But sometimes if you do everything correctly you find your claim denied, leaving you with many questions. Why was my claim denied? There are several reasons your claim may be denied. Some are relatively minor reasons that could have a simple solutio ..read more

Health insurance is supposed to provide you with a sense of security, allowing you to breathe a sigh of relief when unexpected and massive medical bills come through showing that your insurance company has paid for most if not all of them. In reality, though, insurance companies are businesses focused on making money, and the best way for them to make a profit is to deny claims. A claim denial can feel like a punch to the gut. But if you’ve faced a health insurance claim denial, you’re certainly not alone. Studies have shown that some insurance companies even deny claims at a rate as high as 4 ..read more

When your home suffers damage, you’ll likely find yourself worried about the cost of repairing it. In many instances, this can be tens, perhaps even hundreds, of thousands of dollars. Although that can be incredibly stressful to think about, you might breathe a sigh of relief knowing that you’re protected by your insurance policy. Yet, all too often homeowners run into issues with their insurance claims. In some instances, the insurance company drags its feet in paying out a claim, while in others it outright denies claims that should otherwise be paid. Therefore, as you enter the claims proce ..read more

Most businesses carry insurance to protect themselves. Commercial general liability (CGL) insurance covers several common risks and liabilities that the business may encounter. These include property damage and personal injury in addition to others. Coverage overview There are several types of incidents CGL may cover. If a person is injured on the premises, the policy may cover medical expenses, legal fees and other damages. It may also cover the cost of repairs or replacement of someone else’s property that is damaged by the business. If a person brings a claim against the business for a non ..read more

If you own a business, you may wonder if your commercial property insurance covers damage from wildfires. Wildfires are a serious threat in Oklahoma, especially when the during extreme summer weather, like we are experiencing now. According to the Oklahoma Insurance Department, wildfires routinely destroy hundreds of structures every year resulting in millions of dollars in damages to property. But, does commercial property insurance cover wildfire damage? The answer, as with most legal questions is, “It depends.” All-risk policies There are types of commercial property insurance policies that ..read more

If you are looking for health insurance in Oklahoma, you may wonder if you need to be examined by a doctor before you can enroll in a plan. The answer depends on the type of health insurance you are seeking and your health status. Oklahoma law According to the Oklahoma Insurance Department, there are three main types of health insurance: traditional health insurance, managed care services and limited benefits insurance. Traditional health insurance, also known as fee-for-service, allows you to use any doctor or hospital and submit your bills to the insurance company. However, this type of plan ..read more

Oklahoma residents know how important it is to have good insurance coverage. A quality insurance plan at an affordable cost is what most residents seek. No matter what type of insurance you have, there are usually minimum coverage requirements, and it is important that you know them before you select a policy. Car and health insurance Car, health and property insurance are the 3 main types of insurance most people have. When it comes to car insurance, Oklahoma requires $25,000 of bodily injury and property damage protection and $50,000 of coverage per accident. As you probably know, most Oklah ..read more

If you live in Oklahoma City, Oklahoma, and you have health insurance, you may have experienced a “surprise” medical bill at some point. A surprise medical bill is an unexpected charge from an out-of-network provider or facility that you did not choose or know about in advance. The good news is that starting in 2022, there are new federal protections that prevent surprise medical bills for most emergency and some non-emergency services, regardless of whether you have a group health plan, Health Insurance Marketplace plan or an individual health insurance plan. An example For example, you may h ..read more

Any day you have a car accident is tougher than the average day. A day where you have a car accident, and the other driver decides to flee is an especially frustrating day. If you do not know who the other driver is, how do you take care of any physical injuries or property damage? Are you left holding the bag? Does liability coverage take care of hit-and-run drivers? Liability insurance is the minimum insurance required by Oklahoma state law. Strict liability coverage typically will not cover a hit-and-run car accident as it is only intended to cover potential damage to the other driver or an ..read more