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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3answers
83 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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0answers
23 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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1answer
51 views

If insurer defends insured under Reservation of Right then can they seek reimbursement for legal costs?

Let's assume insurance company in California agreed to defend its insured and picked a legal counsel to represent their insured. But at a later date sent a reservation of rights letter with following ...
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13 views

How long must an insurer retain records of opt-outs for, in Canada?

Daughter studied at a university in ON, Canada, and opted out of their student union's health insurance. The insurer replied that they closed the account and can't access any record of opt-outs. How ...
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1answer
96 views

Possibly a stupid question, but do insurance companies HAVE to have somebody as a customer?

Let's say Unlucky Joe is a very accident-prone young man. He keeps getting into costly accidents all the time, but it can never be proved that he does it by mistake, and it doesn't benefit him ...
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0answers
44 views

Is work accident insurance mandatory for an independent worker in Portugal?

Is it mandatory in Portugal that independent workers have a work accident insurance (Portuguese Wikipedia for work accident insurance) paid by themselves? The decree-law number 159/99 (Decreto-Lei n....
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1answer
40 views

What portion of a medical bill does the insurance has to pay?

In a car accident, not at fault, what portion of a medical bill does the insurance company of the other driver has to pay? The hospital will most probably bill my health insurance, and there is the ...
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2answers
49 views

What is the difference between thinking auto insurance claim with or without a lawyer?

When in an accident, i contacted my insurance company to start a claim. My general understanding that if I'll take lawyer to pursue the other insurance company, any settlement would be split between ...
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1answer
66 views

Son opted out of uni insurance in 2016, but wasn't refunded. Student union and insurers are blaming each other. Who's liable?

Daughter graduated at a univ. in ON Canada in 2017. Each year that she attended, she opted out of the student union (SU henceforward)'s health insurance as mine covered her. SU confirmed each year ...
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1answer
62 views

Is it commercial disparagement when one business confuses other business customers on how to schedule appointments?

CGLI policies have following trigger for advertising injury: d. Oral or written publication, in any manner, of material that slanders or libels a person or organization or disparages a person's or ...
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0answers
23 views

Overdue fines for first monition

I had a funny situation with my insurance here in Germany. Background: I moved my main bank account to another bank in January 2019. I immediately noticed my private insurance company of that and ...
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0answers
49 views

Insurance law and premium audits in NY state

Upstate New York (USA) here. I'm researching insurance law, specifically around the topic of so-called premium audits (aka insurance audits, aka insurance premium audits), which are on-site "field" ...
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0answers
34 views

Should insurer ignore exclusions when extrinsic evidence contradicts allegations?

Commercial general liability insurance has exclusions that insurer doesn't have duty to defend or indemnify the insured in case claim arises of criminal activities, misappropriation of intellectual ...
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1answer
88 views

Over 3 years to put me back in my house after a fire at the personal cost of over 90k. Who do I sue?

Over 3 years ago I had a fire in my home that is still not ready to move in. After the abatement (6 months) the first contractor decided not to do insurance anymore. Decided not to take the contract, ...
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2answers
22 views

What exactly is “publication” in commercial general liability insurance context?

CGLIs have following paragraph to define insurance trigger for advertising injury: Oral or written publication, in any manner, of material that slanders or libels a person or organization or ...
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0answers
32 views

Can insurer avoid duty to defend by speculating about extraneous 'facts'?

It looks like insured one can't speculate about extraneous 'facts' to trigger Duty to Defend: An insured may not trigger the duty to defend by speculating about extraneous ‘facts’ regarding ...
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1answer
83 views

My car insurance company is taking a very long time to evaluate damage on my car — What are my rights?

I had an accident (not at my fault) about a month ago with my car. The car stopped working, and I had to tow the car to a shop. The insurance company said they would do their best to quickly evaluate ...
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32 views

How to interpret coverage trigger in this business liability insurance?

How to interpret following language from business liability insurance policy with respect to coverage trigger for advertising injury: "Personal and advertising injury" means injury, including ...
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1answer
25 views

How is place of establishment determined under EU law for insurance purposes?

Under EU law, the country that gets to levy insurance premium tax upon a legal entity is the Member State in which the risk is situated. Art. 13(d)(ii) of the Solvency II Directive specifies how to ...
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1answer
56 views

Admissibility of Police Notes in Maryland

In the state of Maryland, an insurance company is denying the notes of a police officer regarding who is at fault for a car crash. His notes are being denied by the company on the grounds that he did ...
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1answer
74 views

Do I Have a Case Against this Insurance Company? [closed]

TL:DR, is this insurance company acting in bad faith? Are their actions grounds for a lawsuit? If not, what are the repercussions for what they and their client are doing? Four months ago, I was ...
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2answers
61 views

Would insurance company have duty to defend it's customer in unfair business claim case?

So our business insurance company (mostly for accidents with customers and employees) is doing everything possible to not have cover our legal defense costs by coming up with various ruses. I have ...
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1answer
96 views

Do I have a case to challenge a private medical invoice that wasn't covered by insurance?

I had private medical insurance as part of my employer, I rang up in October for an appointment and one was "authorised" for January. I then left my job in December and still attended in January. (I ...
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1answer
48 views

Legal uses of not-at-fault auto insurance money paid to mechanic

This all happens in California. Driver D has an accident clearly caused by responsible party R. (No one disputes that R caused the accident.) There is some damage to D's car. A claim is filed with ...
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0answers
42 views

Purolator Shipping Insurance “At Shipper's Risk” clause

I shipped personal items from Canada to the US with Purolator. One package arrived significantly damaged (the delivery man also acknowledged and made note of this). I purchased 1200$ worth of ...
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2answers
67 views

What is minimum that needs to be said in order to legally record a telephone conversation?

When dealing with unscrupulous companies (especially insurance companies), I have learned that it is essential to record telephone conversations. Many times, I have been provided with grossly ...
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1answer
84 views

Does buying property on mortgage gives any sort of protection against future Compulsory purchase & massive devaluation

Background (inserted editorially) One of the risks of buying a flat / house is that the neighborhood will be declared blighted by the government which would then force property owners to sell their ...
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1answer
78 views

Can MetLife Override Intestate Succession of Pre-Deceased Beneficiaries

My grandma has a Life Insurance policy that she started around 1983 with Horne’s (now Macy’s) until 2003 when she retired. The names Beneficiaries were my dad and grandfather (her husband). Both are ...
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1answer
130 views

At Fault Driver Lied to Insurance

I was side swiped on the interstate. The driver dented my rear door and smashed their front light. When the state trooper arrived, they took statements from me and the other driver. I asked if our ...
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1answer
75 views

Use of Uber app and car services and liability

I use Uber app as a passenger. I investigated Uber site. It appears that passengers are covered up to $1mil regardless of what insurance driver maintains outside of Uber. Is this correct? Is this ...
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1answer
30 views

In the state of Connecticut are insurers required to pay for fees related to registering a new vehicle

My car was totaled and I am not at fault. Is the at-fault's insurer responsible for costs associated with my having to get a new car including all required fees necessary to register the vehicle in ...
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0answers
25 views

Applying for business insurance

I have a UK based business that offers software development services and consultancy. The company has been set up via my accountant on company house, the registered office address is their address as ...
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1answer
32 views

Fee waiver form with ambiguous 'or' in list of terms [closed]

I recently got a residential mortgage with the help of a mortgage broker and one of the contracts I signed was a fee waiver form. This form specifies that if I take out some kind of protection with ...
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1answer
41 views

What does “no-fault” auto insurance coverage look like for vehicle damage?

I am asking specifically about New Jersey, which is a no-fault state. Everything I've been seeing online about no-fault insurance refers specifically to PIP and the source of coverage for any ...
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1answer
90 views

Insurance-Provided Rental Car After No-Fault Accident

My 2014 Ford Taurus was backed into in a parking lot while it was parked and nobody was inside— the person who caused the accident wasn't injured either. They came into the building we were in, found ...
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1answer
86 views

Should car sharing company explicitly notify about accident liability when advertising?

On a car sharing company website, it advertises only benefits of its service but doesn't explicitly notify about insurance and liability in case of accident. Should car sharing company explicitly ...
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2answers
117 views

It's illegal for me to drive in Texas because I don't have insurance?

I live in New Hampshire where car insurance is not required so I don't have it. I just heard that it is illegal for me to drive in Texas because I don't have insurance and that if they stop me they ...
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2answers
76 views

How long is a manufacturer liable for a product

Background: I'm an electronics engineer thats considering designing and selling guitar effects pedals in the UK only. This is only intended as a side hobby (unless it becomes financially viable). As ...
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1answer
70 views

Can an auto insurance firm ( US) raise rates based on old age?

My auto insurance went up 30% this year. I am 82 and my wife is 77. As far as I can recall, we have had just 1 or 2 claims in the last 50 years. 10 years ago, my wife backed into a parked car ...
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2answers
57 views

Waivers for personal injury

In the US, Let's say I want to install a radio antenna on a building. This is for non-commercial purposes (Transmitting legally under FCC part 97) and the building owner is OK with the project. ...
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0answers
30 views

Is an insurance refund check considered an asset?

We own a company that we acquired through an asset purchase agreement. This is a refund check for State Labor and Industry premiums paid during the previous owner's ownership. When ownership was ...
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1answer
66 views

Does a contract override explicit clarification after agreement to it?

I recently signed a car insurance policy. The actual policy is large at about 40 pages. After signing it I was curious about specific information, such as who can be considered a "permissive driver". ...
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0answers
33 views

Do I need to report a subcontractor injury?

I have a house that I purchased that has been under a major renovation for 7 months. We hired a general contractor to oversee the project. Today when I got to the house to check in on things, one of ...
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1answer
82 views

What can a spouse do in regards to controlling the beneficiaries of a life insurance policy in a community property state

Lets say a husband and wife both live together in a community property state, say Texas, and the husband is paying for a life insurance policy on the wife. The policy payout is 500 thousand dollars. ...
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1answer
51 views

Value of parts on a totaled car [MO, US]

Suppose I was driving a totaled car and hit by someone, damaging one side mirror. The mirror was in good condition before this accident, although the car was totaled. Can I file a claim against his ...
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3answers
93 views

If a homeowner's liability from an insurance claim exceeds total coverage, can a court order that the payout all go to satisfying the liability?

Here is an extreme, hypothetical scenario that will hopefully explain what I mean by my question: Let’s say a court finds that Bob’s negligence somehow caused an explosion that destroyed Bob’s house ...
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1answer
30 views

Am I waiving liability insurance coverage by agreeing to this boat charter contract clause?

Member shall be liable for any and all bodily injury, death, property damage and or loss to the boat, its gear and equipment whatsoever and howsoever caused by either the negligence of Member, ...
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3answers
128 views

Car Insurance insisting I pay for the remainder of the year after a no fault crash

A couple of months ago I was in a no fault accident that wrote my car off, I contacted my insurance company and told them about the accident. I was assured that as long as it wasn't my fault my no ...
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2answers
72 views

What is comprehensive insurance for

Let's say someone is in a car accident, and it's determined that both drivers bear some fault in the accident. The car is declared a total loss by the driver's insurance company. Also, in the ...
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3answers
154 views

House burned down and insurance company is trying not to honor recently updated policy?

Back in November my home burned down in the Camp Fire in Norther California. A few days before the house burned down I updated my policy to have a lower deductible and more coverage. Now that it is ...