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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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1answer
43 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
39 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
62 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 ...
2
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1answer
82 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
70 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
90 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
65 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
24 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
30 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 ...
2
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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 ...
2
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1answer
79 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
82 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
114 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
68 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 ...
2
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1answer
69 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
49 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
29 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
51 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
32 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
65 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
49 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
92 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
28 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, ...
3
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3answers
120 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
61 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
149 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
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1answer
66 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
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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, ...
2
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1answer
145 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
33 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
54 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
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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 ...
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1answer
394 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 ...
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1answer
72 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 ...
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1answer
31 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 ...
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2answers
98 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 ...
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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 ...
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0answers
61 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,...
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3answers
155 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
109 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
27 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 ...
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0answers
31 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 ...
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1answer
480 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
60 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
55 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 ...
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0answers
24 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 ...
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0answers
39 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
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3answers
330 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 ...
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1answer
263 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 ...