Insurance Law
Browse published legal information questions related to Insurance Law.
What are my rights if a city bus hit my car while merging into traffic?
If a city bus hit your car while merging into traffic, you may have the right to seek compensation for vehicle damage, rental costs, towing, and in some cases personal injuries, depending on the facts. In Kansas, claims...
What happens if the at-fault driver’s insurance coverage is only $10,000 and my medical bills are higher?
In Texas, if the at-fault driver’s insurance policy is only $10,000 and your medical bills are higher, the insurance company usually will not pay more than the policy limit for that driver’s liability coverage. That does...
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 insurance company denies my car accident claim saying I was partially at fault?
If you are in Illinois and your insurance company denies a car accident claim because it says you were partially at fault, the key issue is usually how fault is being used under the policy and under Illinois law. In gene...
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...
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...
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...
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...
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 contractor demolished the wrong wall in my house. Do I call insurance or sue them?
If a contractor demolished the wrong wall in your Texas home, the next step is often to think about both insurance and a claim against the contractor, not just one or the other. In many situations, homeowners first notif...
What happens if my bank let an automatic subscription charge go through after I revoked authorization?
If you revoked authorization for an automatic subscription and your bank still let the charge go through, the situation may involve both the merchant and the bank. In general, whether money can be taken depends on how th...
How do I handle a contractor who didn’t finish my roof before a storm caused damage?
In Kentucky, an unfinished roof job followed by storm damage can create more than one problem at the same time. You may be dealing with a contractor dispute, a property damage insurance claim, and possibly a question abo...
Can a Car Insurance Company Deny My Claim Because My Address Was Outdated?
In general, a car insurance company may try to deny or limit a claim if it believes your policy information was inaccurate, including your address. But an outdated address does not automatically mean a denial is proper....
Do I have to accept the first settlement offer from the insurance company?
In general, no—you usually do not have to accept the first settlement offer from an insurance company. A first offer is often a starting point in negotiations, not the final word. Depending on the facts, it may be lower...
My storage unit had water damage and they say insurance was “required” but never explained. Who is responsible?
In Texas, responsibility for water damage in a storage unit usually depends on several things at once: the rental agreement, any insurance requirement in the contract, what caused the water damage, and whether the facili...