Insurance Law
Browse published legal information questions related to Insurance Law.
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...
Is it legal for my spouse to remove me as beneficiary before the divorce is final?
In Kentucky, the answer often depends on the kind of beneficiary designation involved, the wording of the account or policy, and whether a court order already limits what either spouse can do during the divorce. In gener...
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 file a claim if I was bitten by a dog at an Airbnb?
If you were bitten by a dog at an Airbnb in Iowa, the claim process usually starts with reporting the injury, getting medical care, and identifying who may be responsible. In many situations, a claim may involve more tha...
Do I have to pay for repairs if the other driver’s insurer accepts fault but says their policy limit is too low?
In general, if another driver caused the crash and their insurer accepts fault, that does not necessarily mean the insurer will pay all of your repair costs. The insurer usually owes only up to the policy limit available...
What happens if I was hurt by a dog while pet sitting for the owner?
If you were hurt by a dog while pet sitting for the owner, the legal question is usually who may be responsible for the injury and what insurance, if any, may apply. In Delaware, as in many states, the answer often depen...
Is it legal for my insurance to deny a claim because my teenage son was not listed on the policy?
In general, an insurance company may deny or limit a claim if the policy required household drivers, resident relatives, or teen drivers to be listed and they were not disclosed. Whether that denial is lawful usually dep...
How do I handle a car accident claim when the police report has the wrong street listed?
If a police report lists the wrong street after a car accident, that mistake does not always control how an insurance claim is handled. In Georgia, as in many states, a crash report is usually one piece of evidence, not...
Can I sue after a dog knocked me down and I tore my shoulder?
In Maine, a dog-related injury claim may be possible if the dog’s owner or keeper was legally responsible for the incident and your shoulder injury was caused by the dog knocking you down. In general, the key issues are...