Insurance Law
Browse published legal information questions related to Insurance Law.
Do I have to pay for replacement value or repair cost in a Minnesota property damage case?
In Minnesota property damage cases, the amount at issue is often whether damages are measured by repair cost, replacement value, or another measure of loss. In general, the answer depends on the type of property, the ext...
What happens if several small damage incidents are added together over six months?
In Minnesota, several small damage incidents may sometimes be considered together, but not automatically. Whether they are “added together” usually depends on the legal claim, the facts, and how the incidents are connect...
What are my rights if I am accused of slashing tires but there is no video evidence?
If you are accused of slashing tires in Minnesota and there is no video evidence, you still have important rights. In general, an accusation alone does not prove guilt. The government usually still has to gather and pres...
What happens if I damaged property during a fight but did not mean to break anything?
In Minnesota, damaging property during a fight can still create legal problems even if you did not mean to break anything. In general, lack of intent may matter a lot, but it does not automatically prevent civil claims o...
What are my rights if police say the damage is over $1,000 but the shop estimate is only $650?
In Minnesota, the difference between a police statement that damage is over $1,000 and a shop estimate of $650 may matter a lot, but it does not automatically decide the legal issue. In general, police reports, witness s...
What happens if my ex claims disability but posts online about working side jobs?
If an ex says they are disabled but posts online showing side jobs, that may raise questions about whether their public statements, finances, or ability to work are consistent with the disability claim. In general, onlin...
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...
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 happens if I waited two weeks to see a doctor because I thought my injury would heal?
If you waited two weeks to see a doctor after an injury because you thought it would heal, that delay does not automatically mean you have no legal claim. In Alaska, as in many states, the effect of the delay usually dep...
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...
Is it legal for the insurance company to follow my social media after I make an injury claim?
In general, yes—an insurance company or its investigator may be allowed to look at public social media after you make an injury claim. If your profile, posts, photos, comments, or videos are visible to the public, they m...
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...
What happens if I was hurt in an Airbnb because the deck railing broke?
If you were hurt in an Airbnb in Colorado because a deck railing broke, the situation may involve several possible legal claims, including premises liability, negligence, or insurance claims. In general, the key question...
Is it legal for an insurer to reduce my settlement because I had arthritis before the fall?
In general, an insurer may try to argue that a pre-existing condition such as arthritis affected the value of a fall-related injury claim. That does not automatically mean the insurer is allowed to reduce a settlement si...
Is it legal for a property owner to refuse to give me their insurance information after I got hurt?
In general, a property owner in Florida may refuse to voluntarily give you their insurance information after you are hurt, unless some law, contract, court order, or other legal duty requires disclosure. Many people assu...