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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0answers
24 views

Booking service on your behalf

I'm planning to make a business and I've got one aspect which isn't clear for me, I know it might be "specific to insurance" but I'm wondering what are the general policies for this. I didn't find any ...
0
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0answers
31 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 ...
0
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1answer
58 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. ...
-1
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1answer
45 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
87 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
27 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, ...
2
votes
3answers
97 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 ...
1
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2answers
55 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 ...
1
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3answers
135 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 ...
2
votes
1answer
57 views

Can my orthodontia provider legally take my claim payment?

I am currently getting Invisalign treatment through an Orthodontia Provider in California. I paid for the treatment up front at $3,000. I was told by the provider that it was unlikely that insurance ...
2
votes
2answers
69 views

Does death due to heart disease qualify as being diagnosed with heart disease?

I came across this question on a life insurance form: My biological parents or biological siblings have been diagnosed by a member of the medical profession with any of the following: cancer, ...
1
vote
1answer
113 views

Contesting At-Fault Car Accident

Scenario: You're travelling on the highway with stop and go traffic. As a driver (Car A) you are distracted (starting at the sky, changing the radio, on your cellphone, whatever). Suddenly traffic in-...
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0answers
16 views

What is actually provided for by the “automatic additional driver” that a spouse gets in a rental car agreement in Oregon?

I have seen many sources that mention states (such as Oregon) that automatically allow spouses to be additional drivers on rental vehicles, including this one from Enterprise Rent-A-Car itself: https:...
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0answers
52 views

Insurance company didnt transfer car out of my name

My car got stolen last year and the insurance payed me for the value and made me send them tittle and keys. I aslo signed electronically a release of liability which had not yet been filled out on ...
20
votes
4answers
5k views

Can an insurance company drop you after receiving a bill and refusing to pay?

In June of 2018, I had a dental procedure done that ended with a total cost of about $1400. At the time, I was under my parents dental insurance. The dentist office confirmed my policy and claimed ...
1
vote
1answer
162 views

Life insurance and declining medical treatment

Suppose Bob gets a typical term life insurance policy and pays the premiums through the contestability period. Bob is then diagnosed with a terminal illness. There are treatments for this illness ...
0
votes
1answer
64 views

What if persons involved in the accident with the same Insurance company?

I really don't know how to ask this question properly, but this is my situation. Last week, a car rear-ended me while I was waiting to make a left turn, because there was on-coming traffic. It was ...
0
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1answer
30 views

Liability for insurance if electric/water supply installation for a kitchen done by myself in Germany

Do I need to hire a certified electrician/plumber to install water and electricity supply for a kitchen to ensure any following damage is insured by the building/home insurance or can I do it myself ...
1
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2answers
96 views

Icy conditions, who is to blame?

We had a bout of freezing rain last week. While I was driving to work, I stopped at A US Customs Inspection Lane (I commute from Canada). Due to the crowning of the plaza, my car slid sideways 90 ...
1
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1answer
21 views

Can product replacement terms be left open to interpretation?

This question is pertaining to the "BuyBack" guarantee offered by "Flipkart" (an ecommerce company owned by Walmart in India). Flipkart offers a BuyBack policy on mobile phones but in their policy ...
0
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0answers
53 views

No-Fault State Auto Insurance

Suppose I am driving in Minnesota with PIP (required for a Minnesota auto insurance policy) and get hit by another driver (100% his fault, 0% my fault), causing my arm to be broken and a resulting $3,...
0
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3answers
146 views

If a mother dies and leave the Insurance money to her husband, can the children make the step father give them any money?

If a spouse dies and leave insurance money to her husband of 32 years can the step children make the step father give them some of the insurance money?
5
votes
1answer
97 views

United States: Can an insurance company sell a policy that pays fines and costs incurred by the policyholder knowingly breaking the law?

Is it legal in the United States for an insurance company to sell a policy that pays fines imposed on a person or corporation as a result of the policyholder knowingly breaking the law? An example of ...
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0answers
22 views

Deferred Operator, Borrowing Vehicle, Bodily Injury Coverage

Regarding bodily injury vehicle insurance (not collision), and in the case where a household member, John Smith, whose car insurance agency, for various reasons, marks another household member, Jane ...
1
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0answers
28 views

What constitutes “affordable” employee-sponsored coverage for a spouse and dependents?

Looking into the Affordable Care Act rules, an individual cannot receive the tax credit if they are "able to get affordable coverage through an eligible employer-sponsored plan." Here, affordable is ...
0
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1answer
155 views

Can previous homeowner file a claim for hidden damage on their old property?

We purchased a house in Texas 5 months ago. 3 months ago we discovered hidden water damage from a roof leak within exterior walls. Our insurance hired a third party engineering firm who concluded the ...
2
votes
1answer
45 views

Can I collect restitution for stolen goods if my insurance has replaced them?

My residence was broken into and burglarized. My renter's insurance covered the cost of the stolen goods, though I did spend time reacquiring the goods and the claim affected my insurance plan was ...
1
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1answer
52 views

Should I settle with a car insurer (Uber) and reimburse a medical insurer after car accident? (subrogation) [closed]

I was a passenger in an Uber ride, and there was an accident. I had medical treatment, paid with my medical insurance from work, and now they want to get a reimbursement (subrogation). This is totally ...
1
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0answers
22 views

If I pay for a rental car with points and the credit card only covers tax and deposit, is the card's CDW in effect?

I have recently rented a car in the US that I paid for with Enterprise points. Usually I decline the CDW because my Chase card covers it when I pay. But when paying with points the "rental" is not ...
1
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0answers
33 views

Supplemental Spousal Liability NY

I was always under the impression that Bodily Injury Liability pays out to to other driver, other driver's passengers, and your own passengers. After reading the below, "your own passengers" ...
3
votes
3answers
298 views

Landlord or tenant responsible for the furnishing damaged after a flooding?

I live in Sweden and the last 29th of July a flooding occurred in the basement of my building. I am renting a flat there and it goes with a small storage in the basement where I had some furnishings ...
0
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1answer
178 views

Life insurance: Primary vs contingent beneficiary percentage amounts

I am filling out a life insurance policy form, and it is asking for both primary and contingent beneficiaries AND the percentage amounts for them. It is my understanding that the contingent are payed ...
0
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2answers
65 views

What specific criteria must a custom built vehicle meet in order to drive on public roads?

Assuming in the state of Michigan, I have seen this Secretary of State web page on assembled vehicles, however, the two forms attached (BFS-72) and (TR-54) seem very basic and non-technical for the ...
1
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2answers
64 views

What if the travel insurance plan document has coverage “editorial” error?

I've posted this question because I've never bought travel insurance and I'm interested in the consequences of editorial errors. To illustrate such an error, I've posted a specific example from a real ...
1
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1answer
85 views

Can you “make” an insurer fix a total loss vehicle?

In state of Missouri my friend was hit from behind. Driver that him stated to police that it was her fault - no issues with fault as this is in police report. He had an older car with body issues ...
1
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2answers
72 views

Requesting money so they won't go through insurance, but they already have

My daughter backed into a parked car which caused minor bumper damage to the car. She found the owner and exchanged info. Next day he puts pressure on me on how I don't want my insurance rates to rise,...
2
votes
1answer
121 views

Home insurance was never signed by homeowner

I made a change to my homeowners insurance back in 2016 and the forms were never signed by me. I made all payments in good faith. Recently made a claim for some minor damage due to hurricane Katrina....
0
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2answers
116 views

What is your liability if you hit a super expensive car?

Assume you get in an accident that is your fault and cause $300,000 damage to a $1,000,000 Lamborghini. Your insurance pays up to $100,000 in property damage. Are you responsible for the remaining $...
1
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1answer
48 views

Disputing “average value” for insurance total losses

I recently received a proposed total loss settlement for an auto from my insurance company based on an average of three "corrected" values based on local list prices for the same vehicle. How the ...
0
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2answers
190 views

Can a sibling contest a life insurance policy?

My step father had several insurance policies in some of which he listed his daughter as the beneficiary and on the rest he listed his son, who is my younger brother. Can his sister from a different ...
1
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1answer
74 views

Can a non-insurance company create a financial “float” like insurance companies do?

Insurance companies use "float" money taken in from premiums. Even though it is not their cash they invest it as long as when needed they can pay a customer claim. Could a non-insurance company that ...
0
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1answer
46 views

removing tags from a car

My son passed away and I had his car bought down from Baltimore to Fla. near West Palm Beach. His estate is in probate and it will take 6 or months or more for it to be settled. I stopped insurance ...
0
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1answer
20 views

Condo Master Policy in case of a Fire [closed]

I own a condo that was rented out and had a fire. The condo association's master policy covers repairs from "sheetrock out". I'm out of state, but the best I've heard, the fire mainly damaged the ...
0
votes
1answer
90 views

Do I have to notify the other party of changes I made to the contract before signing it?

Short version: I have received a final release form for a vehicle write-off payment from an insurance company and need to sign it and send it back. It's just a pdf form with my name and such filled in,...
0
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1answer
96 views

Non-fault accident, while driving someone else's car and car has been sold

My financée was involved in an accident that was not her fault. The other driver's insurance does not want to cover the cost of damages. Here is where it gets complicated. The car belonged to my ...
1
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0answers
74 views

Can an existing employer force use of personal vehicle?

If an employee refuses to use their own car for business purposes (although it was never mentioned before commencement of employment and is not mentioned in the employment contract), is it possible to ...
1
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1answer
67 views

Secular Health Care Sharing

My goal is to provide the most affordable health insurance plan or health insurance alternative for freelance workers nationwide. The Affordable Care Act made members of Health Care Sharing ...
1
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1answer
72 views

Annoying neighbor abusing insurance claims [closed]

My mom's neighborhood was effected by the California wildfires. Her house was untouched, but it destroyed the fence that stood between her backyard and the backyard of a neighbor. Insurance has ...
0
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1answer
92 views

Was not given notice of court date, checked months later and had a bench warrant

Several months ago (4-5) I was involved in a major motorcycle accident in which I was rushed to the hospital. I have since recovered, and just so happened to check my court records in which I ...
1
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0answers
21 views

What ways are there to put pressure on the assurance delaying payments of death benefits?

How can I put negotiation pressure on the UK assurance company to persuade them to pay death benefits to the entitled widow, that they have been delaying for over 3 years from the death of her husband?...