Questions tagged [insurance]

Coverage by contract whereby one party undertakes to indemnify or guarantee another against loss by a specified contingency or peril

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2 answers
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Blockchain based insurance policy brokerage - requirements and restrictions

I have some questions regarding the concept and legality of a blockchain based peer-to-peer insurance platform. A little background: The basic idea is for people being given the possibility to "...
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4 votes
4 answers
135 views

What happens if some of the information provided when subscribing a car insurance are incorrect?

I recently bought a car in UK and I subscribed a new car insurance. I did my best to answer all the questions with accuracy. However, I cannot remember very well when was my last claim and the ...
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1 vote
1 answer
101 views

Life insurance already paid out

I have two step children in California and my wife died. We had a company paid free life insurance that I went ahead and claimed. I was the only beneficiary on the policy. The claim was approved and a ...
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36 views

Is it legal for a private individual to informally rent out cars in the UK without any licenses, certificates, insurance, etc?

What types of bureaucratic red tape are there in the UK to setting up a car rental business? Suppose I have a bunch of cars and would just like to rent them out to people can I just start advertising ...
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What are the regulations regarding health insurance during periods of unpaid leave?

I am a British/Australian citizen living in Austria with residency. I have my social insurance as I am full time employed and pay taxes in Austria. I have my Brexit card to say I can stay here in ...
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7 votes
2 answers
3k views

I am being threatened by a company to pay a disputed liability NOW or face additional Solicitor costs

I am from Australia. In Australia, any civil claim below $10,000 is considered a small claim and one cannot use a solicitor to represent himself in the small claims court. One may also not claim the ...
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-1 votes
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Am I obligated to pay prorated insurance premium if broker renewed without my agreement?

My home insurance broker sent us a renewal email over a month late. I told them we were not interested, and were changing providers. They want payment for the time between our previous policy with ...
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1 answer
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I'm changing jobs and my new employer does not offer health insurance until 60 days. Can I avoid paying for COBRA insurance? [closed]

I am planning to quit my job and move to another company. This new company does not offer health insurance for the first 60 days of employment. As I understand it, federal law requires employers with ...
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1 answer
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Insurance law, DIY improvements gone awry

I have watched a few videos online where DIY projects went awry. For instance, tree removal with tree winding up on a homeowner's roof and auto. What are the general insurance rules regarding such ...
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Is it normal to buy & sell insurance without details?

'Tis the season for open enrollment at many companies in the US and elsewhere that offer employees the option to purchase insurance benefits of various types. In helping employees make these ...
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1 answer
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Is a USA employer required to provide worker's compensation insurance to a contractor if the contractor signed away the insurance?

Is a USA employer required to provide worker's compensation to a contractor if the contractor signed away that insurance and said such employer is not required to provide?
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3 answers
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Car rental company [closed]

Is it worth it to talk to a lawyer about car rental company not providing details on the cost of a cracked front windshield, I need the document to fill a claim with my insurance company. I rented a ...
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1 vote
1 answer
118 views

Are you able to use your insurance policy when you're involved in an innocent vehicle purchase situation? [closed]

I purchased a vehicle for $70,000 with what could be a false title. Unfortunately the California DMV was able to register the vehicle, so they too did not know this title or name on the title was ...
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Does California Homeowner's Insurance provide Workers' Compensation Insurance for a Nannyshare hosted in another family's residence?

If a nanny in California cares for the children of Family A & Family B, primarily within the home of Family A, will Family B's homeowner's insurance include workers' compensation insurance for the ...
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6 votes
1 answer
597 views

Public liability in the UK during building works on house

When building works are done on a house in the UK (specifically England, if it makes a difference), is the contractor who erects scaffolding required to have public liability insurance? If the ...
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Mislabelled battery causes fire, is consumer at fault?

My brother and I have gotten into an argument about mislabeled batteries and airlines. Most airlines allow a max. of 100Wh/battery. Let's imagine I bought a battery that is misslabeled as 200Wh, but ...
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2 votes
0 answers
49 views

Boiler plan for maintenance and repairs

I have a boiler protection plan covering repairs and annual service. I have been with the company for over 5years and though they have renewed my cover and take the monthly premium they failed to ...
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1 vote
1 answer
95 views

Can doctors charge copays when their insurance agreement says they cannot?

Our insurance says there is no copay and no deductible for COVID tests, but the doctor charged us a $50 copay and is refusing to refund it until insurance pays them. This sounds sketchy. They also ...
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1 vote
2 answers
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Am I liable for damages if my car was pushed into another car by force?

Recently I've been the victim of a hit and run. My car was legally parked parallel to the street next to an garage entrance, another car was parked behind mine. Behind them also a garage entrance with ...
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2 votes
1 answer
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What is the latest case law defining the time frame reasonable for an insurance company to settle a claim?

Bob, a California resident, is a claimant in an auto accident where Cobb sideswiped his vehicle in the same State with a vehicle registered also in the same State. Cobb leaves the scene without ...
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15 votes
4 answers
4k views

Can earthquake insurance companies legally ask about "Other Insurance"?

California Earthquake Authority. §8 on Other Insurance says a. If there is other insurance that covers earthquake loss to the dwelling or other property covered under this policy,we will pay our ...
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2 votes
2 answers
187 views

Can I buy 2 earthquake policies on the same home?

I live in a state with stupidly expensive state-sponsored earthquake insurance. To get a 5% deductible, I basically have to buy 1/10 of a house over my lifetime... but the chance of losing my home to ...
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2 votes
1 answer
54 views

Is a Director of an organization entitled to information on the D&O insurance?

A group of several churches have come together to form a high school, with each church electing one representative to serve on a Board of Directors. My church's director has been met with resistance ...
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-3 votes
1 answer
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My pediatrician's office refuses to call for an authorization code (NJ) for pediatric bloodwork [closed]

My son is 3.5 years old and has autism - he has a script for bloodwork from pediatrician. The location I found specializes in children with special needs (out of network)/ (he has been to this ...
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1 answer
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My brother died while being sued on my auto insurance policy - will I be liable? [closed]

My brother was involved in a car accident while being a registered driver on my insurance policy. The car in the wreck was in my name. The other driver involved in the accident filed a lawsuit ...
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1 answer
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Does a resident (Non owner/renter) of a condo have any responsibility for damages done to another unit? (US/Florida)

Situation: I live with my mother in a condo. The condo is 100% in her name, the only legal relationship I have with the property is that it is my official residence. A water leak caused damage to ...
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3 votes
1 answer
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Mortgage broker took out life insurance without approval by client (UK law)

This is an odd one and I hope someone could explain the law for me (ideally with a link to the actual law). This case happened in the UK (England to be specific, should that make a difference). About ...
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2 votes
1 answer
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Can insurance companies in the US give a premium discount to people who get a COVID-19 vaccine?

There is abundant evidence that many COVID-19 vaccines, e.g. from Moderna, Pfizer, AstraZeneca-Oxford etc., dramatically reduce morbidity and mortality. They thus reduce costs to medical insurance ...
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1 vote
2 answers
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Are warranties held to the same laws as regular insurers?

In the case a consumer has purchased a warranty – in particular so-called "extended warranties" from a third party warranty vendor – on a vehicle (further, to be clear, I am not talking ...
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19 votes
2 answers
5k views

Why does the U.S. have much higher litigation cost than other countries?

According to the institute for legal reform (https://instituteforlegalreform.com/wp-content/uploads/media/ILR_NERA_Study_International_Liability_Costs-update.pdf), liability/GDP ratio is 1.66% which ...
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1 vote
2 answers
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UK – remedy for the insured for wrongly rejected claim

If an insurance policy provider wrongly refuses to consider a claim for a substantial time can it be argued it has given up its right to reinstate the losses and has to pay the insured instead? This ...
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6 votes
2 answers
1k views

Insurance - Forced to call for cancellation

I purchased the insurance cover online, without having to use any phone/landline. It's now close to expiration, and there's auto-renewal which I have no option to disable. In order to cancel the ...
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4 votes
2 answers
122 views

Who gets the pay-out from insurance after a house fire? The person who lives there, or the person who paid the premium?

Two siblings inherit a house 50:50. One lives abroad and wants to sell-up and split the money, the other is jobless, doesn't want to sell, lives in the house and won't negotiate with other sibling. ...
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0 votes
2 answers
193 views

Does Waze qualify as a "share-the-expense carpool"?

Every instance of the word "livery" in my insurance policy's exceptions list is followed by an exemption for "share-the-expense" car pools (i.e. the policy is conventional in that ...
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0 votes
1 answer
77 views

Do US or Australia have laws that prevent insurance companies from racking up too much margin? [closed]

Are claim ration in US or Australia much higher and if so, what laws differences cause it. What are the typical claim ratio of insurance companies in US, Australia, and Indonesia? https://www....
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0 votes
1 answer
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How to avoid inflated/bogus settlement demands in auto accident in California [closed]

Involved in an accident in California, and the other party has hired an atty to request policy limits. Other party was not seriously injured (paramedics left after thoroughly inspecting the other ...
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2 votes
1 answer
87 views

Is it legal in the US to force you to buy insurance (as a bundle) for something you already have insurance for?

For example, a company that rents out car parking spaces requires that I will also buy insurance for the property inside my car, while I already have insurance for the property inside my car. For ...
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0 votes
1 answer
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California Fires Evacuation Eviction

I'm renting a house in Santa Cruz mountains where the CZU fire is. Our 9 day evacuation was lifted on Saturday and our lease was up yesterday (Monday). We were in the process of moving when the evac ...
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2 votes
1 answer
2k views

What is the difference between applicable law and governing law?

there: I have a question about what the difference is between applicable law and governing law. Are they the same (one) concept or different? In addition, what is choice of law? Does it mean the ...
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Is there a reason for a landlord to have more General Liability Insurance than the tenant?

A prospective tenant wants me to have $2M / $4M General Liability Insurance and they only want to provide $1M / $2M. Is there a reason for this on a one year lease agreement that can be renewed ...
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What state is the most friendly to consumers of long term care insurance?

Some states in the U.S. allow for the insurance company to raise the premiums on insured customers. Which states are the most consumer-friendly for long-term care insurance? By consumer-friendly, I ...
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1 vote
1 answer
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Is Unit Link Illegal in Australia?

Unit Link is a combination of investment and insurance. It's often scammy. The reason it's scammy is because by combining it with insurance, the company can charge much more and the customer may not ...
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0 votes
2 answers
92 views

How long is an NCD valid for?

If I had a car policy expire on 22nd May 2019 that had 3 years no claims, how long is this 3 years no claims valid for to use with a new policy ? Is it just my next insurance policy ? What if I ...
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2 votes
2 answers
76 views

Performance bonds vs insurance

I'm an engineer and I'm studying for the law and ethics exam to become a registered engineer in Canada. I'm studying a chapter on a book about Bonds where I see: A bond is a special form of ...
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1 answer
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Coronavirus - is it enough to claim on wedding insurance?

In the UK, the Prime Minister has stated Restaurants, pubs and clubs must close Although our wedding venue has a bar, serves food and has a dance floor in the marquee, they have not closed and ...
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0 votes
1 answer
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Liabilities of countries as members of the Universal Postal Union

Bob, in country A, sends Alice, living in country B (one of the most corrupt countries in the world) a gift by air mail: some non-prohibited good stuff of a total weight 10 kg which will make Alice ...
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1 vote
2 answers
328 views

Accusing me of committing hit and run (when I didn’t)

I got a call from an investigator from Arlington Texas informing me that a couple has accused me of hitting their car in in December in their apartment complex parking lot. The husband stepped out of ...
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2 votes
1 answer
96 views

Is it legal, in the US, to sell business insurance which is triggered by a political loss of a pro-business party?

Regardless of whether it is right or wrong, Republicans are considered to be the pro-business party. It doesn't really matter, for the purposes of this question, whether that's a correct assumption. ...
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1 vote
3 answers
114 views

Life insurance and taxes: Does a sole beneficiary need to tell other heirs? (Utah)

Situation Updated A sibling died. There are several heirs. One heir was named the sole beneficiary of a life insurance policy, who received and deposited the check. There is no will or other ...
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1 vote
0 answers
29 views

Rights to documents sent on your behalf by an insurance company

I recently had my insurance company file subrogation against a government entity for the recovery of my deductible (and presumably their expended cost) after my vehicle was damaged on government ...
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