Legal Disclaimer and Copyright
With respect to information and documents available from this Web site, FBIC (aka www.badfaithinsurance.org, www.badfaithinsurance.net, www.badfaithinsurance.net) does not assume any legal liability or responsibility for the accuracy, completeness, or usefulness of any information or process disclosed, or represents that its use would not infringe privately owned rights.
FBIC is not responsible for this website or any of its pages content or the accuracy of the information included, including specific links to other pages, articles, documents and other stories.
The Good-Faith and Bad-Faith insurer ranking list(s) and other material that may be available and that you might read or purchase on or from the FBIC site is provided solely for educational purposes and should not be used in combination or used on its own in selecting insurance. The Good Faith and Bad Faith Insurer List(s) at this website are provided “As Is” and without warranties of any kind, either express or implied. FBIC disclaims all warranties, express or implied, including but not limited to, implied warranties of the fitness of its Good Faith and/or Bad Faith insurer ranking list(s) for a particular purpose. FBIC does not warrant that the List(s) Is/Are accurate, reliable or error-free. FBIC does not warrant or make any representations regarding the use or the results of the use of the list(s) at this website or in linked sites in terms of their correctness, accuracy, timeliness, reliability or otherwise.
FBIC compiles information on insurance companies as may be available or provided by state DOIs (Departments Of Insurance), state and federal court records, FBIC consumer complaints, other consumer complaint and research information, and other entities engaged or involved in the field or business of insurance. FBIC ranks insurers, insurance company groups and member companies as available information permits. FBIC ranking list(s) are subject to update, ongoing analysis and change. Users are cautioned that the absence of ranking information on an insurer group, particular individual insurers or insurance companies should not be taken that they are without complaints or regulatory action information that may exist against the entity(ies). The FBIC information provided is done so on an “As Is” basis. FBIC receives updated information on an ongoing 24 hours per day and 7 days per week basis and makes no guarantee of the accuracy or degree of the basis of any updated nature of the information provided on the website for any or all of the information received. There is no guarantee that the information published on the website is the most current information available, accurate and that FBIC may have non-published information that has been modified, revised or updated that is different and as yet not reflective and not yet been published on its website.
FBIC, in the absence of information, remarks and/or statements regarding the existence or non-existence of complaints against any or all Insurers on this website’s Good-faith and Bad-faith insurer list(s), does not warrant or support the use of this list for any use other than its sole purpose. FBIC does not warrant or support the use of its list(s) for any use including to indicate the existence of complaints in general against any or all insurance companies and/or for which it was intended. FBIC assumes and accepts no responsibility for any harm incurred or that may be inflicted by or against insurers or insureds, complainants and/or anyone else based upon its published information and/or list use. Insureds, in selecting insurance companies and that might reference and/or use any of FBIC list(s) information, should be aware that FBIC assumes no responsibility for its use and/or accuracy and should use other available information including their own best judgment to the FBIC list(s) if they should do so. Other information is not limited to that can be used as an adjunct is to research the financial strength and solvency information and other recommendations and guidelines as appropriate and available and as may be set forth by the appropriate legal authority and reporting agencies that an insured feels fit to use. FBIC assumes and does not accept any responsibility for information provided by agencies providing financial solvency information of insurer groups or companies or any other information that anyone purchasing insurance might reference and/or information provided by these and/or any and all other agencies. Insureds, when using these or any other agencies providing financial solvency information should investigate and be aware that most of these agencies are paid by the Insurer to have their information published by some or many these agencies provided and/or published financial information that may be paid for and/or provided and supplied by the Insurer. In FBIC’s list(s) cases, FBIC receives no financial consideration or remuneration from Insurers. FBIC operations are funded primarily by donations from the public and other marketing and/or publishing proceeds.
Although all information on this website has been carefully checked for accuracy, typographical errors and omissions occur and are therefore subject to correction. FBIC assumes no responsibility for these or other errors
Nothing contained at this website and/or disseminated from this website can be construed as legal advice. Never take any action that may affect your rights or legal well-being without consulting a lawyer personally.
Nothing contained at this site can be construed as giving rise to an attorney/client relationship. An attorney/client relationship can only be created by express agreement, and only after a fee arrangement has been made. Nothing contained herein may be construed as an offer for provision of legal services. You expressly acknowledge that any attorney participating at this or any other site may have a conflict that prevents their office from providing advice or legal services to you.
FBIC does NOT offer legal advice. The information and materials on this site are offered for information purposes only. Do not act or rely upon any of the resources and information available on this website or other communications disseminated from FBIC without seeking professional or legal advice. The information presented in this site is for general informational purposes and should not be taken as legal advice. If you have a specific legal issue or problem, FBIC recommends that you consult with an attorney.
The FBIC insurance lawyer directory (“FIND-A-LAWYER”) is designed to help find insurance attorneys and law firms. Although not required, many of the attorneys and law firms listed in the FBIC insurance lawyer directory might provide a qualified prospective client with a free confidential initial consultation, and in some cases it may/may not be noted. The FBIC insurance lawyer directory is not a lawyer referral service and at no time does it receive a portion of any lawyer’s client fees for this service. Assume that the lawyers listed in the FBIC insurance lawyer directory have paid FBIC to publish their listings. Note: You should never retain a lawyer based solely on any advertisement or listing (including any listing contained within the FBIC insurance lawyer directory). You should always investigate the lawyer’s credentials and ability, as well as assess your level of comfortability and rapport before attaining a lawyer. By using the FBIC insurance lawyer directory, you are agreeing that under no circumstances will any lawyer’s competence, performance, or results regarding advice given, responsiveness, failure to provide for a free initial consultation, or meet any person’s level of satisfaction with a lawyer reflect an endorsement or support by FBIC. No attorney or law firm is responsible for any information or listing published by FBIC and the FBIC insurance lawyer directory.
The FBIC insurance lawyer directory (FIND-A-LAWYER) is made available free of charge for individuals’ and businesses’ personal and non-commercial use. Any other use, reproduction or resale of information contained in this site is prohibited.
Reference herein does not constitute or imply endorsement, recommendation, or favoring by FBIC for its website members or visitors. No individuals from FBIC are knowingly connected either with the insurance industry, an insurance company, brokerage, agency or agent, a company that legally represents an insurance company or a business entity of the insurance industry. FBIC does not sell insurance or certify, endorse or warrant insurance products, companies, brokers, agents or vendors and is not a referral service.
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