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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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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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0answers
19 views

Travel health insurance coverage while working abroad for only subsistence [closed]

Alright, this is a quite complicated case. I am employed by an university in the Czech Republic, and on top of the standard EU insurance, I also have "Travel insurance", which covers all the ...
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3answers
136 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?
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1answer
76 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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12 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
14 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
46 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 ...
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1answer
41 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 ...
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1answer
47 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
20 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
31 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" ...
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3answers
196 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
101 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 ...
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2answers
57 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 ...
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2answers
61 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 ...
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1answer
69 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 ...
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2answers
70 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,...
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23 views

Renovating entire condo following flood - insurance claim

We have a condo that was purchased roughly 40 years ago. The condo is insured by the HOA. There was a serious flood when I was out of the country causing extensive damage throughout the house. In an ...
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1answer
61 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....
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2answers
105 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 $...
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1answer
45 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 ...
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2answers
127 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 ...
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1answer
60 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 ...
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1answer
42 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 ...
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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 ...
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1answer
58 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,...
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0answers
19 views

Do insurance companies become the owners of recovered masterworks?

As I understand the way insurance works, the insurance company gets ownership of property on which they have paid. Does this even happen if the item is underinsured? For example, let's say that a ...
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1answer
75 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 ...
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0answers
56 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 ...
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1answer
64 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 ...
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0answers
33 views

Can I offer a health insurance plan only to freelance workers?

My goal is to provide the most affordable health insurance plan or health insurance alternative for freelance workers nationwide in the USA. The Affordable Care Act prohibits discrimination on the ...
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1answer
65 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 ...
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1answer
89 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 ...
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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?...
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1answer
31 views

Declaring pending criminal prosecutions in a different country for home insurance purposes in the UK

I am currently in the process of renewing my home insurance in the UK and most insurance providers require that you tell them whether or not you or someone in your household have any unspent ...
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2answers
88 views

Do I need to hire attorney? What next steps for me on this case?

My daughter was sued for an accident that happened 2 years ago. Police responding to the accident determined she was at fault. For sake of argument, let's say my daughter's name is Jane Doe, and she ...
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0answers
45 views

Does an insurance agent have a “Duty of Care”?

An insurance agent recommended a property insurance policy to a client in Washington State that later turned out to be grossly inadequate (coverage limits too small), and significantly outside of ...
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0answers
44 views

Company delaying paying death benefits: How long is reasonable to wait?

How long is it reasonable to wait for an assurance company to pay death benefits to the spouse, after her husband died? The assurance company in question is taking over 4 years, claiming they are ...
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1answer
127 views

Is the estate I administer entitled to money after foreclosure of a destroyed house?

I am the administrator of an estate in upstate New York. Unfortunately, there is effectively no money in the estate which would allow me to hire a lawyer, so I'm hoping you folks can help. By the ...
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1answer
69 views

Should I have been told my rental property has previously been broken into? (UK)

I live in the United Kingdom. I've noticed that the door to my flat has been repaired badly and underneath you can see that the door was kicked down in the past. The letting agency did not mention ...
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1answer
153 views

What would be the fastest way to sue someone in a traffic accident? Post Accident Legal Strategies

(In America), when there is a traffic accident, it is generally a civil matter that can be resolved between the parties. Several courses of action are available to the parties to resolve the dispute ...
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1answer
194 views

What damages could one claim in a data breach, if the data was not subsequently used fraudulently?

Equifax recently announced they suffered a very large data breach, allegedly affecting almost half of all people in the United States. It's expected that lawsuits against Equifax will be popping up ...
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2answers
58 views

Does an Oregon car rental agent have to explain what insurance I am accepting/waiving

When renting a car in Oregon, does the agent have to explain to me what insurance options I am accepting/declining?
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1answer
83 views

can I submit a new insurance claim on roof damage after unpaid claim unrepaired

I am a long time member on the developer/code side of StackExchange, but this is my first time on the legal forum, and I confess that I hate questions like this over on the developers' forum -- that ...
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3answers
46 views

Is there a reason not to use liability insurance?

I was recently hit by a car while riding my bike home from work, and the police determined that the driver was at fault and wrote her a ticket. She is insured, and presumably has enough liability ...
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2answers
63 views

caused accident in company car - do I need a lawyer?

While driving a rental car provided by my company, I hit another car. The rental car (the one I was driving) was insured by my company. I just learned that the driver of the car I hit has started a ...
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0answers
69 views

Does indemnity insurance (for a house) become void if a 3rd party is told about it?

Indemnity insurance is bought if a home's deeds contain a fault, e.g. no access to the property, modifications made by previous owners that are not up to building standards etc. The insurance would ...
2
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1answer
42 views

Do non-EU international speeding offences count lawfully for UK insurance declarations?

As a US citizen, my wife received and paid a speeding ticket in Texas in 2013. After moving to the UK in 2015 (she's also a EU citizen), she began working towards her UK driver's license in early ...
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1answer
38 views

Insurer charging both parties an excess

2 cars collide in a minor collision. The drivers are both insured with the same insurance company and both have comprehensive insurance. The insurance company comes up with a determination that both ...
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1answer
162 views

What would happen to Hobby Lobby under Medicare For All?

The Hobby Lobby SCOTUS case, if I'm not mistaken, says a company can manipulate the nature of their employees' health insurance, justifying it by the idea that since they're providing it, they should ...