Insurance Law
Browse published legal information questions related to Insurance Law.
What are my rights if the at-fault driver died in the accident?
If the at-fault driver died in the crash, you may still have rights to seek compensation for your injuries and other losses. In general, a driver’s death does not automatically erase a claim for a collision caused by tha...
Do I have to provide my Social Security number to the insurance adjuster handling my injury claim?
In general, you do not automatically have to give an insurance adjuster your Social Security number just because you are making an injury claim in New York. An adjuster may ask for it as part of the claim process, but an...
What are my rights if my car was damaged by a pothole and the city ignored prior complaints?
If your car was damaged by a pothole in Washington, you may have a claim for property damage, but the available rights and remedies usually depend on the specific facts. In general, a city’s prior knowledge of a dangerou...
What happens if my auto insurance company says my car is totaled but their payout is $2,400 less than my loan balance?
If your car is declared a total loss and the insurance payout is less than what you still owe on the loan, you may still be responsible for the remaining balance. In general, the insurer’s payment is based on the car’s a...
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...
Is it legal for a landlord’s insurance company to blame my shoes for my fall?
In general, yes, a landlord’s insurance company may try to argue that your shoes, your own actions, or some other factor contributed to the fall. That does not automatically mean the insurer is correct, and it does not b...
What are my rights if a hotel refuses to refund a prepaid reservation due to a flight cancellation?
If a hotel in Hawaii refuses to refund a prepaid reservation after your flight is canceled, your rights usually depend on the reservation terms, the hotel’s cancellation policy, and any travel protection you bought. In g...
Can I make a claim if a road rage driver intentionally hit my car?
Yes, you may be able to make a claim if another driver intentionally hit your car during a road rage incident. In general, an intentional crash can support civil claims for property damage and, depending on the facts, pe...
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...
A neighbor’s basketball hoop is partly in the street and damaged my car. Who do I contact?
If a neighbor’s basketball hoop was partly in the street and damaged your car in North Carolina, the first contact is often the neighbor or the homeowner who controls the property where the hoop sits. In many situations,...
How do I get the dog owner’s homeowners insurance information after a bite?
If you were bitten by a dog in Georgia, one practical first step is to ask the dog owner directly whether homeowners or renters insurance may apply. In many situations, the owner is the person most likely to know whether...
What happens if a credit card company keeps charging interest after I paid off the full balance?
If you paid off the full balance on a credit card and the company still keeps charging interest, the first question is whether the account was truly paid in full under the card’s rules. In general, a credit card issuer m...
Do I have to reimburse my health insurer from my car accident settlement?
In general, your health insurer may ask to be reimbursed from a car accident settlement if it paid medical bills related to the accident. Whether you actually have to repay anything often depends on the insurance contrac...
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...
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...