Insurance Law
Browse published legal information questions related to Insurance Law.
Is it legal for the insurance company to total my car even though I want it repaired?
In general, yes. In Florida, an insurance company may be allowed to declare a vehicle a total loss even if you would prefer to have it repaired, depending on the policy, the damage, the car’s value, and the insurer’s est...
What are my rights if my mechanic found hidden frame damage after the insurer already paid the claim?
If a mechanic discovers hidden frame damage after an insurance company has already paid for a repair claim, you may still have options, but the details usually depend on the policy language, the claim record, the repair...
Do I have to pay a hospital bill that includes charges for services I never received?
In general, you may not have to pay a hospital bill for charges that were never actually provided, but the answer usually depends on what the bill shows, what records exist, and whether the charge was a mistake, a duplic...
How do I dispute duplicate charges on a medical bill?
Duplicate charges on a medical bill can happen for a few different reasons. A provider might accidentally bill the same service twice, a claim may be processed more than once, or a bill may include charges that overlap i...
How do I handle a warranty company that keeps delaying repairs for months?
If a warranty company keeps delaying repairs for months, the first step is usually to document everything carefully. Keep copies of the warranty, repair requests, inspection notes, emails, text messages, call logs, and a...
Do I have to prove emotional distress in an online defamation case in Mississippi?
In general, emotional distress can be relevant in an online defamation case, but it is not always the only thing a person must prove. Whether you need to show emotional distress depends on the type of defamation claim, t...
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...
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...
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 accept the dog owner’s offer to pay only my urgent care bill?
In general, no—you usually do not have to accept a dog owner’s offer to pay only your urgent care bill if you believe your losses are greater than that amount. An offer to cover one bill is often just a settlement propos...
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...
Do I have to pay my medical bills upfront while waiting for a personal injury settlement?
In general, you may still be responsible for medical bills while a personal injury claim is pending, even if you expect a settlement later. A claim against the person or company you say caused the injury does not usually...
What Can I Do If a Repair Technician Damaged My Home?
If a repair technician damaged your home, you may have several general options depending on what happened, what you can prove, and whether the technician was independent, employed by a company, or hired directly by you....
What are my rights if my credit union says my account was dormant but I logged in online last year?
If a credit union says your account was dormant, but you believe you accessed it online last year, the first issue is usually what the credit union counts as “activity.” In many cases, a simple online login may or may no...
Is it legal for an insurance company to use a salvage title value even though my car had a clean title?
In general, an insurance company may try to value a vehicle based on what it believes the car would bring in the market after a total loss, but that does not automatically mean it can treat a clean-title car as if it alr...