As a threshold matter, the Court agreed that Allstate was not obligated to accept Zubillaga's claim for epidural injections "without scrutiny or investigation." However, the Court reasoned that a factual dispute precluded summary judgment. According to the Court, a triable issue of fact existed as to whether Allstate adequately investigated the claim when it continued to rely on the orthopedic surgeon's opinions without asking him to consider Zubillaga's new medical records. The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.