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IN THIS ISSUE:
Is your Insurance Company Giving You the Runaround?
When you first purchase homeowners' insurance, you establish an agreement with your insurance company. You agree to pay the insurance premiums and in return, your insurance company agrees to reimburse you for covered property damage, and defend you against third party claims.
If your policy includes coverage against water leaks that lead to a mold problem, your insurance company should cover the cost of the mold repairs. If someone is injured on your property and sues you, your insurance company should defend you. That is what you agreed on, wasn't it? Yes, but what if your insurance company rejects your valid claim?
As long as you are healthy and coherent, you have the right to make a decision regarding health care. In case you get ill, you could ultimately decide to refuse or accept medical treatment. However, when you're in a state of incoherence, the decision of medical treatment lies in the hands of your immediate family or health care providers.
If you face a permanent disability or a terminal illness, you could lose the right and ability to decide for your own medical treatment. If you haven't prepared instructions, it will be impossible for anyone to know what you would have wanted to happen. To avoid having important decisions made on your behalf, and to make the situation easier for your family, having a living will is key.
There can be a number of tax issues that occur between a tax payer and the state or federal government. Since tax laws are complex, you could end up getting stuck figuring out the rules and loopholes. That's why you need a qualified tax attorney to handle your tax problems and represent you in tax court.
A tax attorney can help you in numerous ways. Even though you can represent yourself, a tax attorney can make sure your rights are protected. A tax attorney with experience in dealing with the IRS can also make sure they IRS only gets the information they asked for, without invading your privacy.