Insurance Law
Browse published legal information questions related to Insurance Law.
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...
Is it legal for an insurance company to offer me $500 before I finish treatment?
In general, yes. An insurance company may legally make a settlement offer before you finish medical treatment, including a small early offer like $500. The offer itself is usually not illegal just because your treatment...
What happens if I was injured by an airbag deploying in a low-speed collision?
If you were injured when an airbag deployed in a low-speed collision, several different things may be going on at once. In some crashes, the airbag may have deployed as designed, and the injury may still have come from t...
What are my rights if my neighbor’s tree fell and damaged my car during a storm?
If your neighbor’s tree fell on your car during a storm in Washington, your rights often depend on why the tree fell and who may be legally responsible for the damage. In general, a storm alone does not automatically mak...
What are my rights if my car warranty claim is denied due to “lack of maintenance” I can prove?
If a car warranty claim is denied because the company says you failed to maintain the vehicle, but you have proof that you did the required maintenance, you may have grounds to challenge the denial. In general, a warrant...
What happens if I got a DUI while driving a rental car in Michigan?
If you are charged with DUI while driving a rental car in Michigan, the case is usually treated much like any other DUI case, but there can be extra issues involving the rental company, the rental contract, and insurance...
Is it legal for an insurer to close my personal injury claim because I missed one phone call?
In general, an insurer may not be able to close a Nevada personal injury claim just because you missed one phone call. Whether a claim can be closed usually depends on the policy language, the insurer’s claim-handling pr...
How do I handle a multi-car pileup where every insurance company blames someone else?
A multi-car pileup can turn into a coverage dispute quickly, especially when several drivers, several insurers, and conflicting versions of events are involved. In general, the practical goal is to protect your health, p...
What are my rights if I was hit by a government vehicle in Idaho?
If you were hit by a government vehicle in Idaho, you may have the right to seek compensation for injuries and property damage, but claims against government bodies often follow special rules. Those rules can affect who...
Can I make a personal injury claim if I slipped on grapes in the produce aisle and injured my back?
Yes, in California, a slip and fall in a grocery store may sometimes support a personal injury claim if the store or another responsible party acted negligently and that negligence contributed to the fall. A claim usuall...
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...
Is it legal for an insurance company to escheat life insurance proceeds without contacting the beneficiary?
In general, an insurance company may have obligations to search for or contact a beneficiary before life insurance proceeds are treated as unclaimed property and transferred to the state, but the exact rules can depend o...
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...
What happens if my insurance agent entered the wrong address and my claim was denied?
If an insurance agent entered the wrong address and your claim was denied, the denial may not be the end of the matter. In general, the key question is whether the wrong address was a material mistake, whether it was cau...
How do I handle a credit card company reopening a dispute after I thought the chargeback was final?
If a credit card company reopens a dispute after you believed the chargeback was final, the first step is usually to read every notice carefully and confirm what changed. In general, a payment dispute can be reopened if...