Insurance Law
Browse published legal information questions related to Insurance Law.
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...
Do I have to use my own collision coverage while waiting for the other insurer to accept fault?
In New York, you usually do not have to use your own collision coverage just because the other driver’s insurer has not yet accepted fault. In general, whether you file a collision claim under your own policy is a choice...
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...
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 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 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...
My Neighbor’s Construction Cracked My Wall — Who Pays for Repairs?
In California, who pays for a cracked wall from a neighbor’s construction usually depends on what caused the damage and who was legally responsible for it. In general, if the construction activity caused the crack, the n...
What happens if I was rear-ended at a red light and the other driver’s insurance says I stopped too suddenly?
In Texas, a rear-end collision at a red light often raises a question about which driver may be responsible for the crash, but it does not automatically mean the rear driver is always at fault. The other driver’s insuran...
What are my rights if a contractor damaged my neighbor's fence while working on my driveway?
If a contractor damaged your neighbor’s fence while working on your driveway, the situation usually turns on who caused the damage, what the contract says, and whether the contractor acted carelessly. In Alabama, the nei...
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...
What are my rights if I was injured as a passenger in my friend’s car?
If you were injured as a passenger in your friend’s car, you may have rights to seek compensation for your injuries under North Dakota law, depending on who caused the crash and what insurance coverage is available. In g...
What are my rights if a store display fell and hit my head?
If a store display falls and hits your head, you may have rights under general premises liability and personal injury law. In Idaho, store owners and other businesses generally have a duty to use reasonable care to keep...
What are my rights if my loan forgiveness approval was later reversed?
If a loan forgiveness approval is later reversed, you may have important rights, but the exact rules can depend on the type of loan, the forgiveness program, the lender or servicer involved, and the facts of the reversal...
Do I have to tell my car insurance company about a DUI?
In general, a DUI can affect your car insurance, but whether you must proactively tell your insurer depends on your policy, the insurer’s reporting requirements, and the facts of the incident. In Mississippi, many driver...
Can I record a call with an insurance adjuster if I say I am recording and they continue speaking?
In Massachusetts, the answer can depend on the consent rules that apply to the call and on the exact facts. In general, Massachusetts is treated as a state with strong privacy protections for communications, so you shoul...