Insurance Law
Browse published legal information questions related to Insurance Law.
What are my rights if my insurance company delays my storm damage claim for two months?
If your insurance company has delayed a storm damage claim for two months, you generally have the right to expect the insurer to handle the claim in a reasonable and good-faith manner. In Alabama, as in many states, the...
Do I have to sign a medical release for the insurance company after a car accident?
In general, you do not automatically have to sign whatever medical release an insurance company sends after a car accident. In Rhode Island, as in many states, an insurer may ask for records or authorizations so it can e...
What happens if my loan was forgiven but the balance still shows on my credit report?
If a loan was forgiven, that usually means the lender or servicer has agreed not to collect the remaining balance, at least under the terms of the forgiveness. But a forgiven loan may still appear on your credit report f...
How do I handle a contractor who didn’t finish my roof before a storm caused damage?
In Kentucky, an unfinished roof job followed by storm damage can create more than one problem at the same time. You may be dealing with a contractor dispute, a property damage insurance claim, and possibly a question abo...
Can I record a call with an insurance adjuster if I tell them at the beginning?
In California, the answer is usually no if the other person does not agree. California is generally treated as an “all-party consent” state for recording confidential communications, which means telling the insurance adj...
Can my insurance deny coverage because my roommate was driving my car during the accident?
In West Virginia, an insurer may try to deny coverage if your roommate was driving your car during an accident, but the answer usually depends on the policy language and the facts of the situation. Many auto policies cov...
Can I Sue a Neighbor Whose Tree Fell on My Fence?
In Oklahoma, you may sometimes be able to seek payment from a neighbor if their tree fell on your fence, but the answer usually depends on why the tree fell and whether the neighbor was negligent. If a healthy tree fell...
How do I file a claim if I was bitten by a dog at an Airbnb?
If you were bitten by a dog at an Airbnb in Iowa, the claim process usually starts with reporting the injury, getting medical care, and identifying who may be responsible. In many situations, a claim may involve more tha...
Do I have to use my own collision coverage while waiting for the other insurer to accept fault?
In New York, you usually do not have to use your own collision coverage just because the other driver’s insurer has not yet accepted fault. In general, whether you file a collision claim under your own policy is a choice...
Is it legal for an insurance company to offer me $500 before I finish treatment?
In general, yes. An insurance company may legally make a settlement offer before you finish medical treatment, including a small early offer like $500. The offer itself is usually not illegal just because your treatment...
Is it legal for my insurance to deny a claim because my teenage son was not listed on the policy?
In general, an insurance company may deny or limit a claim if the policy required household drivers, resident relatives, or teen drivers to be listed and they were not disclosed. Whether that denial is lawful usually dep...
Do I have to pay for repairs if the other driver’s insurer accepts fault but says their policy limit is too low?
In general, if another driver caused the crash and their insurer accepts fault, that does not necessarily mean the insurer will pay all of your repair costs. The insurer usually owes only up to the policy limit available...
How do I make a claim when the crash happened in another state during a road trip?
If you live in Massachusetts and were hurt in a crash that happened in another state during a road trip, the claim process is usually based on where the crash occurred, what insurance coverage applies, and which law gove...
Do I have to accept the dog owner’s offer to pay only my urgent care bill?
In general, no—you usually do not have to accept a dog owner’s offer to pay only your urgent care bill if you believe your losses are greater than that amount. An offer to cover one bill is often just a settlement propos...
Is it legal for an insurance adjuster to ask for my entire medical history after a minor fall?
In Florida, an insurance adjuster may ask for medical information after a fall if the request relates to a claim and the injuries or conditions at issue. But asking for your entire medical history is often broader than w...