Insurance Law
Browse published legal information questions related to Insurance Law.
What are my rights if my car insurance company says my accident claim is worth less than the repair estimate?
If your car insurance company says your accident claim is worth less than the repair estimate, that usually means the insurer is questioning some part of the repair bill, the damage estimate, or the value of the loss. In...
Do I have to repair my car after receiving an insurance payout, or can I keep the money?
In general, whether you have to repair your car after an insurance payout depends on what kind of claim you made, who owns the car, and what your insurance policy says. In Montana, there is not a simple one-size-fits-all...
What happens if a hospital sends me a bill a year later for services I thought were covered?
If a hospital sends you a bill a year later for services you believed were covered, the first thing to know is that this can happen for several different reasons. In general, a late bill may mean the hospital believes th...
What are my rights if my insurance company delays my claim for over 60 days without explanation?
If an insurance company delays a claim for more than 60 days without giving a clear explanation, that can be frustrating and may raise concerns about whether the company is handling the claim fairly and in good faith. In...
What happens if the other driver’s insurance says my car had pre-existing damage?
If the other driver’s insurance says your car already had pre-existing damage, it usually means the insurer is questioning how much of the damage was caused by the crash. In a property damage claim, the insurer generally...
How do I handle a car accident claim when the police report has the wrong street listed?
If a police report lists the wrong street after a car accident, that mistake does not always control how an insurance claim is handled. In Georgia, as in many states, a crash report is usually one piece of evidence, not...
What happens if the store says they are not responsible because no employee saw the puddle before I fell?
In Texas, a store’s claim that no employee saw the puddle before your fall does not automatically end the issue. In a premises liability claim, the key question is often whether the store knew or reasonably should have k...
What happens if my auto insurance company says my car is totaled but their payout is $2,400 less than my loan balance?
If your car is declared a total loss and the insurance payout is less than what you still owe on the loan, you may still be responsible for the remaining balance. In general, the insurer’s payment is based on the car’s a...
My Dentist Billed Me for Work I Never Approved — Can I Dispute It?
Yes, in general, you may be able to dispute a dental bill in Pennsylvania if you were charged for treatment you did not approve, did not receive, or did not understand would be performed. Whether a dispute succeeds often...
What happens if my car insurance lapses for two weeks and I get into an accident?
If your car insurance lapses for two weeks and you get into an accident, several things may happen at once. In general, the lapse can affect whether your insurer covers damage, injuries, or legal defense, and it may also...
How do I handle a car accident settlement when Medicare or health insurance paid some bills?
In general, when Medicare or a health insurer has paid some of your crash-related medical bills, those payments may affect how your car accident settlement is handled. The basic issue is that another payer may have a rig...
How do I handle a claim if my injury symptoms got worse two days after the accident?
If your injury symptoms got worse two days after an accident, that does not automatically mean the claim is invalid. In many personal injury situations, symptoms can appear later or become more noticeable after the shock...
Can I recover lost wages after missing three weeks of work from a car accident?
In Alabama, you may be able to recover lost wages after a car accident if someone else’s negligence caused the crash and your missed work is supported by evidence. Missing three weeks of work is not, by itself, what deci...
What happens if a police officer gave me a ticket after the crash but I think the other driver caused it?
In Connecticut, getting a ticket after a crash does not necessarily mean you were the one who caused the collision. A police officer may issue a ticket based on what the officer observed at the scene, witness statements,...
What happens if I was hit by a driver with a suspended license?
If you were hit by a driver with a suspended license in Colorado, the fact that the other driver was not legally allowed to drive may matter, but it does not automatically decide who is financially responsible for the cr...