Violations of Arizona Law and Unfair Claim Practices
A.R.S. § 20-461 (Unfair Claims Practices): Violations include failing to act promptly on communications (A(2)), causing unreasonable delays when liability is clear (e.g., 47-day delay on ALE/mileage reimbursements), and requiring redundant documentation (Sworn Proof of Loss forms, previously submitted receipts) to delay processing (A(13)), specifically by John Bankston.
A.R.S. § 20-462 (Interest on Unpaid Claims): Insurer is liable for 10% interest per annum on claim amounts not paid within 30 days after acceptable proof of loss is received, which applies to delayed ALE reimbursements.
Ariz. Admin. Code § R20-6-801 (Prompt Communications): Adjusters repeatedly violated the 10-Day Rule for providing an appropriate reply to pertinent communications (including requests for a supervisor) and failed to keep scheduled appointments.
Unlicensed Adjusters: Marcellous Booker, Kelli Cleveland, Christy Dean, and John Bankston are noted as not licensed in the state of Arizona, despite serving as adjusters on the claim. read more