Insurance Law
Browse published legal information questions related to Insurance Law.
What are my rights if my insurance company undervalues my totaled car by $3,000?
If your insurance company says your car was totaled but offers less than you believe it was worth, you generally have the right to question the valuation and ask for a review. In New Jersey, the amount an insurer pays of...
Do I have to sign a medical release for the insurance company after a car accident?
In general, you do not automatically have to sign whatever medical release an insurance company sends after a car accident. In Rhode Island, as in many states, an insurer may ask for records or authorizations so it can e...
What are my rights if my insurance company delays my storm damage claim for two months?
If your insurance company has delayed a storm damage claim for two months, you generally have the right to expect the insurer to handle the claim in a reasonable and good-faith manner. In Alabama, as in many states, the...
How do I make a claim when the crash happened in another state during a road trip?
If you live in Massachusetts and were hurt in a crash that happened in another state during a road trip, the claim process is usually based on where the crash occurred, what insurance coverage applies, and which law gove...
Do I have to pay for rental car damage that was noted before I drove off?
In general, if rental car damage was already noted before you drove off, that fact can matter a lot. If the company’s own records, inspection sheet, photos, or app check-in show the damage before you took possession, it...
Is it legal for an insurance adjuster to ask for my entire medical history after a minor fall?
In Florida, an insurance adjuster may ask for medical information after a fall if the request relates to a claim and the injuries or conditions at issue. But asking for your entire medical history is often broader than w...
Is it legal for an insurer to ask me to sign a blank medical authorization form?
In general, an insurer can ask you to sign a medical authorization form, but a request for a blank or overly broad authorization can raise concerns. The main issue is not just whether the insurer can ask, but whether the...
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...
Can my insurance deny coverage because my roommate was driving my car during the accident?
In West Virginia, an insurer may try to deny coverage if your roommate was driving your car during an accident, but the answer usually depends on the policy language and the facts of the situation. Many auto policies cov...
Do I have to pay a medical bill that was sent to collections before I ever received the first invoice?
In Pennsylvania, you may still owe a valid medical bill even if the account was sent to collections before you personally received the first invoice. But the fact that a collection notice arrived before an original bill...
What happens if a hospital sends me a bill a year later for services I thought were covered?
If a hospital sends you a bill a year later for services you believed were covered, the first thing to know is that this can happen for several different reasons. In general, a late bill may mean the hospital believes th...
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...
How do I handle a credit card company reopening a dispute after I thought the chargeback was final?
If a credit card company reopens a dispute after you believed the chargeback was final, the first step is usually to read every notice carefully and confirm what changed. In general, a payment dispute can be reopened if...
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...
Can I get forgiveness if I am a firefighter employed by the city?
In general, the answer depends on what kind of “forgiveness” you mean. A city firefighter in West Virginia might be asking about debt forgiveness, disciplinary forgiveness, job reinstatement, benefits relief, or some oth...