[WSBAPT] Medical Insurance, Suicide, and Creditor Claims

[Brent Williams-Ruth]

Ignore and send notice like normal.

Also, connect with a Plaintiff's Insurance lawyer. Speaking as a former
insurance coverage attorney - the intentional act exclusion is very
narrowly interpreted and in order for them to deny (not in bad faith) the
treatment would have to be anticipated.  Not knowing the exact
circumstances but I would argue - if I were the Plaintiff's coverage
attorney - that they had no intent to receive medical treatment. Either way
- if they insurance company DOES deny coverage - I would suggest unleashing
all that Washington has to offer for Bad Faith, CPA violation, Insurance
Fair Conduct Act (IFCA - required pre-filing with Insurance Commissioner's
office on that one); and Breach of Contract.  The insurance company will
end up paying 100 times more AND pay attorneys fees.

Pardon my rant.....it's why I left that area of law after 15 years.
Couldn't do it anymore.

*Brent Williams-Ruth* (pronouns: he/him)
*Attorney-At-Law*

*Law Offices of Brent Williams-Ruth, **a division of BWR Consulting, PLLC*

*Physical Address: 500 S 336th Street, Suite 214; Federal Way, WA 98003*

***EFFECTIVE IMMEDIATELY** All mail sent through the USPS should be sent to
the following address: **PO BOX 3319; Federal Way, WA 98063 *

Office/Scheduling Phone: (253) 285-7751

Direct: (253) 285-7453

e-mail <Brent at Williams-RuthLaw.com> / website
<http://www.williams-ruthlaw.com/> / facebook
<http://www.facebook.com/bwrlaw> /


On Tue, Aug 9, 2022 at 2:28 PM Michael Biesheuvel <
michael at pugetsoundwills.com> wrote:

> Hi all,
>
> PR received a letter from a third-party subrogation company initiating an
> investigation on behalf of the decedent's medical insurance company.
>
> I suspect that because decedent likely died by suicide, which also
> resulted in some medical treatment, the third-party has been hired by the
> medical insurance company to determine whether some self-inflicted medical
> costs are not covered by the medical insurance and should instead be born
> by the estate. The company wishes to interview the PR about the
> circumstances surrounding the medical treatment.
>
> *QUESTION*: Should the PR reply and cooperate? Or should PR just ignore
> the letters and send actual notice to the medical provider and insurance
> company like any other ascertainable creditor? Other thoughts?
>
> Thanks for your help!
>
> Michael Biesheuvel
> Attorney
>
> *Puget Sound Wills & Trusts*
> 114 Second Avenue South, Ste 101
> Edmonds, WA 98020
>
> michael at pugetsoundwills.com <michael at edmondswills.com>
> Telephone  (425) 712-0279
> Toll Free     (888) 248-7751
> Facsimile    (425) 672-7147
>
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