Insurance Law
Browse published legal information questions related to Insurance Law.
Is it legal for a hotel to deny responsibility after I fell on a wet lobby floor with no warning sign?
In Arizona, a hotel may be able to deny responsibility, but that does not automatically mean it is legally correct. In general, a hotel’s responsibility after a slip and fall depends on the facts, including why the floor...
How do I handle an accident where the other driver was driving a rental car?
If the other driver was in a rental car, the basic steps after the crash are usually the same as in any other accident: get medical help if needed, call law enforcement if appropriate, exchange information, take photos,...
Do I have to tell my insurance company if I settle privately with the other driver?
In general, you may still need to notify your insurance company even if you and the other driver settle the claim privately. A private agreement between drivers does not always replace your insurance policy duties. Many...
Is it legal for a mechanic to begin crash repairs before I approve the final estimate?
In general, a mechanic or auto body shop should not begin significant crash repairs without some form of customer authorization, but the exact rule can depend on the paperwork you signed, the shop’s policies, the insurer...
How do I file a claim after hitting debris that fell from a truck on the highway?
If you hit debris that fell from a truck on an Iowa highway, the first step is usually to focus on safety and documentation. Move to a safe location if you can, check for injuries, and call emergency services if anyone i...
Can I recover lost wages if I missed two weeks of work after a crash?
In New Jersey, you may be able to recover lost wages after a crash if the missed work was caused by injuries from the crash and the wage loss can be documented. In general, lost wages are part of the financial harm that...
What Can I Do If a Moving Company Lost My Belongings?
If a moving company lost your belongings, you may have options to report the loss, ask for a search, and file a claim for the missing items. In general, the first step is to gather your moving paperwork, make a detailed...
Our upstairs neighbor’s bathtub leaked into our closet and ruined clothes. Do we deal with them or the landlord?
In Illinois, the answer is usually that you may need to deal with both, but for different reasons. If the leak came from an upstairs neighbor’s bathtub, that neighbor may be the person connected to the source of the wate...
Do I have to pay a medical bill that went to collections before I received an invoice?
In general, you may still owe a valid medical debt even if the bill was sent to collections before you personally received an invoice. A collection notice does not, by itself, mean the debt is inaccurate or unenforceable...
How do I dispute a hospital bill for an out-of-network doctor I did not choose during an emergency visit?
If you received care in an emergency and were billed for an out-of-network doctor you did not choose, there may be ways to dispute the bill, but the options depend on the facts, your insurance plan, and whether state or...
Can I recover future medical costs if my doctor says I may need surgery later?
In general, yes, future medical costs may sometimes be recoverable in an Ohio personal injury claim if they are reasonably related to the injury and can be supported by medical evidence. If a doctor says you may need sur...
Can I Recover Replacement Costs After a Contractor Ruined My Building?
In Missouri, you may be able to recover replacement costs after a contractor damages or ruins a building, but the answer usually depends on the facts, the contract, the type of damage, and the available proof. In general...
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...
A neighbor’s contractor left nails in the street and I got a flat tire. Is anyone liable?
In North Carolina, someone may be liable for a flat tire caused by nails left in the street, but the answer usually depends on who left the nails, whether they were careless, and whether that carelessness can be connecte...
Can I Make an Insurance Claim Against the Vehicle Owner After a Crash?
In Illinois, you may sometimes make an insurance claim against the vehicle owner after a crash, but the answer depends on several facts. One of the first questions is whether the owner was driving, gave permission to som...