Insurance Law
Browse published legal information questions related to Insurance Law.
Do I have to give a recorded statement to the other driver’s insurance company?
In Pennsylvania, you usually do not have to give a recorded statement to the other driver’s insurance company unless you have a legal or policy-based reason to do so. In many situations, the other insurer is asking becau...
Do I have to pay for repairs after a mechanic misdiagnosed the problem and replaced the wrong part?
In Florida, whether you have to pay after a mechanic misdiagnoses a problem and replaces the wrong part usually depends on the repair agreement, what you authorized, and whether the shop’s work was reasonable under the c...
My Neighbor’s Construction Cracked My Wall — Who Pays for Repairs?
In California, who pays for a cracked wall from a neighbor’s construction usually depends on what caused the damage and who was legally responsible for it. In general, if the construction activity caused the crack, the n...
What are my rights if my insurance company undervalues my totaled car by $3,000?
If your insurance company says your car was totaled but offers less than you believe it was worth, you generally have the right to question the valuation and ask for a review. In New Jersey, the amount an insurer pays of...
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 rideshare driver for damaging my phone during a trip?
In general, you may be able to bring a claim against a rideshare driver if the driver’s conduct damaged your phone and the facts support legal responsibility. In Arizona, that usually means looking at whether the driver...
What happens if I was rear-ended at a red light and the other driver’s insurance says I stopped too suddenly?
In Texas, a rear-end collision at a red light often raises a question about which driver may be responsible for the crash, but it does not automatically mean the rear driver is always at fault. The other driver’s insuran...
What are my rights if a contractor damaged my neighbor's fence while working on my driveway?
If a contractor damaged your neighbor’s fence while working on your driveway, the situation usually turns on who caused the damage, what the contract says, and whether the contractor acted carelessly. In Alabama, the nei...
Do I have to tell my insurance company if I settle privately with the other driver?
In general, you may still need to notify your insurance company even if you and the other driver settle the claim privately. A private agreement between drivers does not always replace your insurance policy duties. Many...
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 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...
What are my rights if I was injured as a passenger in my friend’s car?
If you were injured as a passenger in your friend’s car, you may have rights to seek compensation for your injuries under North Dakota law, depending on who caused the crash and what insurance coverage is available. In g...
What are my rights if a store display fell and hit my head?
If a store display falls and hits your head, you may have rights under general premises liability and personal injury law. In Idaho, store owners and other businesses generally have a duty to use reasonable care to keep...
What are my rights if my loan forgiveness approval was later reversed?
If a loan forgiveness approval is later reversed, you may have important rights, but the exact rules can depend on the type of loan, the forgiveness program, the lender or servicer involved, and the facts of the reversal...
Do I have to tell my car insurance company about a DUI?
In general, a DUI can affect your car insurance, but whether you must proactively tell your insurer depends on your policy, the insurer’s reporting requirements, and the facts of the incident. In Mississippi, many driver...