Insurance Law
Browse published legal information questions related to Insurance Law.
Is it legal for a tow yard to charge $95 per day after my car was towed from the crash scene?
In Indiana, a tow yard may be able to charge daily storage fees after a crash tow, but whether a $95 per day charge is legal usually depends on several facts. Those facts can include how the vehicle was towed, what the t...
Is it legal for an insurance company to deny my claim because I waited three days to report the crash?
In Arkansas, an insurance company may try to deny or reduce a claim if the accident was not reported right away, but a delay of three days does not automatically mean the insurer can legally deny the claim. In general, t...
Do I have to report a minor accident to my insurance if there was only a small bumper scratch?
In general, a minor accident with only a small bumper scratch may still be something you consider reporting to your insurance company, even if the damage looks cosmetic. Whether you have to report it often depends on you...
What are my rights if my upstairs neighbor’s pipe burst and ruined my furniture?
If an upstairs neighbor’s pipe burst and damaged your furniture, you may have rights to seek payment for the loss, but the source of those rights depends on the facts. In Maryland, claims of this type often involve prope...
Is it legal for my spouse to cancel my health insurance during the divorce?
In general, a spouse may not be able to simply cancel your health insurance just because a divorce has started, but the answer depends on how the policy is held, who the policyholder is, and whether any court orders are...
What happens if my insurance company cancels my renters policy because of one late payment?
If your renters insurance company cancels your policy because of one late payment, the main issue is usually whether the policy was actually canceled or simply lapsed for nonpayment. In general, insurers may treat a miss...
Can I claim lost income if I drive for DoorDash and my car was in the shop for two weeks?
In general, you may be able to claim lost income if another person or company caused the car damage that kept you from driving for DoorDash, but the answer depends on the facts and the available proof. In California, los...
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...
What Can I Do If a Delivery Company Damaged My Property?
If a delivery company damaged your property, you may have options to ask for repair or replacement costs, submit a claim, or seek other remedies depending on the facts. In general, the most important first step is to doc...
Is it legal for the insurance company to subtract old dents from my repair payment?
In general, an insurance company may try to reduce a repair payment if part of the damage was pre-existing, unrelated to the current claim, or not covered by the policy. In Nevada, as in many states, the key question is...
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...
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...
How do I dispute surprise billing from an out-of-network anesthesiologist?
A surprise bill from an out-of-network anesthesiologist can be upsetting, especially if you went to an in-network hospital or surgery center and reasonably expected the anesthesia services to be covered. In general, the...
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...
Is it legal for an insurer to ask me to sign a blank medical authorization form?
In general, an insurer can ask you to sign a medical authorization form, but a request for a blank or overly broad authorization can raise concerns. The main issue is not just whether the insurer can ask, but whether the...