"Accidents" and Intentional Conduct

January 4th, 2023
Consider the following scenarios and ask yourself whether they describe a situation that should be covered by liability insurance: Scenario 1: At a pool party at his home, the policyholder picks up his friend and throws him into the pool as a joke, i… Read More
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Categories: News and Articles

Ehrlich Law Firm named one of the Daily Journal’s “Top Boutiques in California” for 2022

January 4th, 2023
On October 19, 2022, the Daily Journal published its list of the Top Boutiques in California for 2022. The Ehrlich Law Firm was included on that list. Read More
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Categories: News and Articles

The basics of California Appeals — two not-so-simple rules

December 30th, 2014
Success on appeal in California depends on many things — the facts that underlie your case, the legal positions you can take in light of the state of the law, your skill in selecting and presenting the issues to the appellate court in a persuasive… Read More
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Categories: News and Articles

10 Common mistakes that trial lawyers make that can lead to appellate disaster, and how to avoid them

December 3rd, 2014
Getting a case from the pleading stage through trial can be like trying to walk through a minefield. There are always procedural traps lurking to snare the unwary trial lawyer. Here are 10 easy, and distressingly common mistakes for a trial lawyer to… Read More
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Categories: News and Articles

Can HMOs be sued for "Bad Faith Insurance?" (Yes.)

December 3rd, 2014
In most cases, the providers decide what is covered and what is not covered, without any input from the HMO. (Although in most cases, the member can appeal the decision to the HMO.) The HMO is, in essence, nothing more than a middleman. So, can you s… Read More
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Categories: News and Articles

Common reasons that plans deny care and what you can do about it

December 3rd, 2014
Most plans — whether HMOs or insured plans, deny care for one of four reasons:
  • The patient went “out of plan” to receive care, instead of following the plan’s rules and seeing a provider who has a contract with the plan;
<… Read More
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Categories: News and Articles

What is the difference between “health insurance,” a “health-care service plan,” and a “health-maintenance organization (“HMO”)?

December 3rd, 2014
A health-care service plan is the same as an HMO. The California Health & Safety Code calls these plans “health care service plans,” while the Federal Health Maintenance Organization Act calls them HMOs. Sometimes, it makes more sense to call… Read More
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Categories: News and Articles

HMO FAQs: Can I sue my HMO for bad faith?

December 3rd, 2014
What makes an HMO an HMO is that the policyholder (usually called a subscriber or member) pays the HMO a premium in exchange for a promise of health coverage provided by the HMO. Some HMOs provide the coverage directly; others enter… Read More
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Categories: News and Articles

HMO FAQS: MHO vs PPO - How HMOs Operate and Make Money

December 3rd, 2014
The key difference between an HMO and an insurer is that HMOs provide the promised coverage to the member (either directly or indirectly) while traditional insurance simply pays for care that the policyholder has obtained, after the care was rendered… Read More
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Categories: News and Articles

How to Read an Insurance Policy

December 3rd, 2014
The law requires that insurance policies be drafted in clear language. But anyone who has tried to read an insurance policy knows that they are seldom clear and that they are almost always difficult to read and understand. Determining what the policy… Read More
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