(877) 877-4056

The Law Office of Dwight M. Kealy

Individual Attention. Professional Service. 

 Thank you for visiting the Law Office of Dwight M. Kealy.

Insurance:

Claim denied?

Coverage questions?

Agency being sued?


Dwight M. Kealy brings over a decade of experience dealing with insurance claims and coverage issues as a former agency Vice President and a current Certified Insurance Counselor and Faculty Member with the National Alliance for Insurance Education and Research.


General Practice:

Sometimes you need to talk with an attorney and you want to talk with someone with experience in a variety of areas.  While volunteering with Riverside Legal Aid, Dwight has helped clients with everything from child custody rights, to bankruptcy, to divorce, landlord-tenant disputes, and lawsuits from creditors.  For complex matters, Dwight is the Co-Chair of the Solo/Small Practice Section of the Riverside County Bar Association and welcomes the opportunity to gather a team of talented attorneys organized to meet your needs.  An example of Dwight partnering with another attorney in an unusual bankruptcy case was published on page six of the Spring, 2013 edition of the Inland Empire Chapter of the Federal Bar Review.      


Success Stories:


Problem: An Insurance Agency's client filed a complaint with the Department of Insurance against the Insurance Agency because the client did not like the additional premium that came from an insurance company’s audit.


Resolution: Successfully represented the agency in getting the complaint dismissed.


Problem: An Insurance Agency's client sued the Insurance Agency because the insurance company placed through the agency denied a claim.  The client also sued the Surety Company that provided the agency's broker's bond.  The Insurance Agency’s E&O provided a defense for the Agency, but would not provide a defense for the Surety Company and the Surety Company required the Agency to defend the Surety Company due to the agency's indemnity agreement with the surety company.


Resolution:  The Surety Company appointed me as their counsel.  I filed a motion (demurrer) arguing that the Surety Company should be dismissed, filed a malicious prosecution claim against the client, and got the surety company dismissed a week before our first court hearing.


 


Problem:  Insurance Agency client filed a complaint with the Department of Insurance because the client did not like the payroll processing offered by the worker’s compensation company sold through the Agency.


Resolution: Successfully argued. . .and successfully argued again after the client appealed. . .to get the complaint dismissed.


 


Problem: Insurance Agency client’s attorney sent a demand letter saying that the insurance agency must pay over $25,000 because the Agency was “per se negligent” for selling an insurance policy that excluded property damage caused by much of the type of work that the client did.


Resolution: Successfully argued that the Agency was reasonable—and therefore not negligent—in its actions with the client.  Attorney stopped pursuing the $25,000.


 


Problem: Insurance Agency client filed a complaint with the Department of Insurance because the client’s insurance company went insolvent and he wanted the insurance agency to return all of his premium.


Resolution: Successfully argued that the Insurance Agency was not the proper target for the claim and got the complaint dismissed.


 


Problem: Insurance Agency client bounced a premium check paid to the insurance agency after coverage was bound.


Resolution: Worked with the District Attorney’s check fraud division and received court-ordered payments for the full amount of the bad check.


 


Problem: Insurance Agency client sent a demand letter saying that the agency should pay over $9,000 because the insurance company denied the claim.


Resolution: Successfully argued that the Agency was not responsible for the claim.  Client stopped pursuing the $9,000.


 


Problem: Worker’s Compensation Company sent a client an audit bill over $30,000 because it argued that the client’s independent contractors were really employees.


Resolution:  Successfully argued that the employees in question were really independent contractors, thereby eliminating the $30,000 audit bill.



Phone: (877) 877-4056

Buy Books by Dwight M. Kealy:

Dwight is the author of several books for insurance professionals that have been approved for insurance continuing education(CE) credit by the Department of Insurance in California and Oregon. To download the books and take the test for CE credit, visit: www.GoGetCE.com.

Legal Concepts for Insurance Agent Ethics: How Agents Get Sued and Lose Their Licenses

Paperback:

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Ebook:
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Understanding Named, Automatic, and Additional Insureds in the CGL Policy

Paperback:

Support independent publishing: Buy this book on Lulu.