David Shughart

About David Shughart

David Shughart is an insurance law attorney at Beale Micheaels Slack & Shughart PC serving clients in Phoenix, Arizona. Arizona insurance law is codified in Title 20 of the Arizona Revised Statutes and overseen by the Arizona Department of Insurance and Financial Institutions, covering bad-faith claims handling under Noble v. National American Life, coverage disputes, agent and broker liability, and the state's Unfair Claims Settlement Practices regulations. Contact details appear below.

This profile was compiled from publicly available information. Is this your profile? Claim it to add your bio, photo, and more.

Education

• Law School: U of Arizona

Common questions about Insurance Law in Arizona

Answered by Arizona Attorney Search Network

What is subrogation in Arizona insurance?

Subrogation is the insurer's right to step into the insured's shoes after paying a claim and pursue the third party who caused the loss. Arizona recognizes both contractual subrogation (in the policy) and equitable subrogation. The 'made-whole' doctrine generally requires that the insured be fully compensated before the insurer recovers from the third party, with limited exceptions.

What is bad faith insurance in Arizona?

Bad faith is an insurer's breach of the implied covenant of good faith and fair dealing - typically by unreasonably denying or delaying payment of a covered claim. Arizona recognizes a tort cause of action for bad faith following Noble v. National American Life, 128 Ariz. 188 (1981), and successful plaintiffs can recover compensatory damages, emotional distress damages, and (for intentional or knowing bad faith) punitive damages.

How long does an insurer have to respond to a claim in Arizona?

Arizona's Unfair Claims Settlement Practices regulations (Ariz. Admin. Code R20-6-801) require insurers to acknowledge claims within 10 working days, complete investigation within 30 days (with extensions), and either pay or deny coverage in writing with explanation. Repeated or unreasonable delays can support a bad-faith claim and DIFI complaints.

Q&As answered by David Shughart

David Shughart hasn't published any Q&As yet. Are you this attorney? Claim your profile to add your expertise on Arizona insurance law questions.

Practice Areas

Notable Case Results

Office Location