Insurance Law
Browse published legal information questions related to Insurance Law.
What are my rights if I was injured in an elevator that dropped suddenly?
If you were injured in an elevator that dropped suddenly in Maryland, you may have the right to seek compensation for your injuries if someone else’s negligence contributed to the incident. In general, possible responsib...
Do I have to sue the dog owner personally or can I deal with their insurance?
In Rhode Island, a dog bite or dog attack claim is often handled through an insurance claim first if the dog owner has homeowners, renters, or another liability policy that may apply. In many situations, people try to re...
Can I still recover money if I was not wearing a seat belt during the crash?
In general, yes, you may still be able to recover money after a crash even if you were not wearing a seat belt. In Wyoming, the fact that you were unbelted does not automatically end a personal injury claim. However, it...
Can my car insurance raise my premium after an accident that the police report says was not my fault?
Yes, in some situations your car insurance premium may still go up after an accident even if a police report says you were not at fault. In general, a police report is important evidence, but it is usually not the only t...
Is it legal for a dealership to refuse to fix a warranty issue because I missed one oil change?
In general, a dealership or manufacturer may not be able to deny warranty coverage for every missed oil change automatically. The key question is usually whether the missed service actually caused or contributed to the p...
What happens if my insurance policy was canceled without proper notice in Vermont?
If an insurance policy is canceled without proper notice, the policy may not have ended when the insurer says it did. In general, notice requirements matter because they are often part of the insurer’s legal and contract...
How do I prove lost income if I am self-employed and missed three weeks of work?
If you are self-employed and missed three weeks of work, proving lost income usually means showing what you normally earned, what work you lost, and how the missed time affected your business income. That often involves...
What happens if I waited three days to see a doctor after a dog bite?
If you waited three days to see a doctor after a dog bite in Alaska, that delay does not automatically mean you lose the right to seek compensation or that your injury is not serious. In many situations, people delay tre...
Can my insurance rates go up after an accident that was not my fault?
In Missouri, your insurance rates may go up after an accident even if you were not at fault, but it depends on the insurer, the policy, and the facts of the claim. A not-at-fault accident does not automatically mean your...
What happens if the person who hit me was driving someone else’s car?
If the person who hit you was driving someone else’s car in Louisiana, more than one insurance policy may potentially come into play. In general, the car owner’s insurance, the driver’s insurance, or both may be relevant...
What happens if my car was totaled but I still owe $7,000 more than the insurance payout?
If your car is totaled and the insurance payment is $7,000 less than what you still owe, you usually still remain responsible for the remaining loan balance unless another source covers that gap. In general, an insurer p...
What are my rights if a car wash damaged my side mirror and the sign says they are not responsible?
If a car wash damaged your side mirror in Montana, a sign saying the business is “not responsible” does not always end the issue. In general, a business cannot always avoid responsibility just by posting a notice, especi...
What happens if my student loan servicer lost my prior payment records?
If your student loan servicer lost records of your prior payments, that usually does not mean the payments never happened. In general, servicers are expected to keep account histories and apply payments correctly, but re...
What are my rights if the bite happened while I was working as a mail carrier?
If you were bitten by a dog while working as a mail carrier in Kansas, you may have more than one possible path for help, depending on the facts. In general, a work-related dog bite can raise workers’ compensation issues...
Do I have to pay back Medicaid from my injury settlement?
In general, Medicaid may have a right to be repaid from part of an injury settlement if Medicaid paid for medical care related to the injury. This is often called Medicaid recovery or reimbursement. The exact rules can d...