Insurance Law
Browse published legal information questions related to Insurance Law.
What are my rights if my car insurance denies coverage due to a technicality in the policy?
If your car insurance company in Michigan denies coverage because of a policy technicality, you generally still have rights. A denial letter does not always mean the insurer’s decision is final or correct. In many situat...
Is it legal for a business to make me pay for an ambulance after I fell on their property?
In general, a business cannot simply decide that you are legally responsible for an ambulance bill just because you fell on its property. In Indiana, as in many states, whether you must pay for emergency medical transpor...
What happens if my renter’s insurance refuses to cover theft because there was no forced entry?
If a renters insurance company refuses to cover a theft claim because there was no forced entry, the first thing to check is the policy language. In general, some policies cover theft only if there is evidence of forced...
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 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...
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...
Can I sue for emotional distress after my dog was injured in the car accident?
In general, you might be able to bring a claim for emotional distress after a car accident that injures your dog, but the answer usually depends on the facts and the law in your state. In Wyoming, as in many states, the...
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...
What are my rights if my renters insurance claim is denied for water damage from a burst pipe?
If your renters insurance claim is denied for water damage from a burst pipe, you usually have the right to ask the insurer for a clear explanation of the denial and a copy of the policy language it relied on. In general...
What are my rights if my insurance claim is denied without explanation?
If an insurance company denies a claim without giving a clear reason, that can be frustrating and may make it harder to know what to do next. In general, policyholders have the right to ask for the reason for the denial,...
What are my rights if my insurance denied a roof claim after a storm but my neighbor’s similar claim was approved?
If you are in Kansas and your insurer denied a storm-related roof claim while a neighbor’s similar claim was approved, that can feel unfair. In general, though, the fact that another homeowner received payment does not a...
Can a Repair Technician Break Something Else and Not Be Liable?
In general, a repair technician may be liable if they damage something else while performing a repair, but the answer depends heavily on the facts. In Kentucky, as in other states, liability often turns on whether the te...
Do I have to give a recorded statement to the property owner’s insurance company?
In Pennsylvania, you may be asked to give a recorded statement to the property owner’s insurance company after an accident or injury on someone else’s property. Whether you must agree depends on your role, your insurance...
What are my rights if my car insurance lapsed for one day and I had an accident that same night?
If your car insurance lapsed for one day and you had an accident that same night, your rights can depend on several things, including what kind of coverage you had, whether the policy was actually canceled or only unpaid...
Can I recover lost tips if I am a server and missed shifts because of an injury?
In general, a server who misses shifts because of an injury may be able to seek compensation for lost earnings, and that can sometimes include tips if the tips were a regular part of the person’s income and can be shown...