Halloween Party: Social Host Liability WA State
Halloween parties are a popular way to celebrate the holiday; it’s an excuse to dress up and get together with friends. Hosts decide how to decorate their home, what food and beverages to serve and who to invite. If the social host chooses to serve alcohol they should be especially wary if there are minors present; it is illegal in all 50 states to serve alcohol to a minor. Some adults mistakenly believe that allowing teenage children and their friends to consume alcohol under their roof is safer than somewhere else. If an intoxicated underage guest causes injury to themselves or another person or property while at the party or after leaving the party, the social host may be liable.
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How Does the Insurance Fair Conduct Act (IFCA) Protect Washington State Drivers?
The Insurance Fair Conduct Act (IFCA), which was a voter approved initiative, took effect on Dec. 6, 2007. The law made it illegal for insurance companies to “unreasonably deny an insurance claim or violate laws that govern unfair claims-settlement practices.” Practically, this means that insurance companies must acknowledge policyholders’ letters and phone calls about their claims, promptly investigate claims and approve legitimate claims. See all the laws and IFCA rules here: https://www.insurance.wa.gov/insurance-fair-conduct-act-ifca-laws-and-rules
If your insurance company unreasonably denied your claim for coverage or payment of benefits or violated other regulations around the claims-settlement process; you may be able to seek punitive damages in court. Contact a personal injury lawyer familiar with IFCA in Washington State for a free assessment of your grievance.