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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12 views

Collecting California Unemployment during the pandemic while working full time [closed]

Ok I know it was wrong for me to be collecting unemployment while working, but it was during a pandemic and I was uncertain about the new job I was working for at that time. My question, moving ...
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1answer
90 views

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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1answer
27 views

Are warranties held to the same laws as regular insurers?

Disclaimer: I understand no advice given is legal advice and I am not expecting any. In the case a consumer has purchased a warranty - in particular so-called "extended warranties" from a ...
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2answers
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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2answers
57 views

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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2answers
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 ...
4
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2answers
97 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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2answers
103 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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1answer
71 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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1answer
69 views

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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1answer
63 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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1answer
100 views

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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1answer
741 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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0answers
16 views

Will E&O and GL insurance protect an employee against losses arising from his employer's indemnification demands?

This question assumes that an employee has a contract with his employer to indemnify them if there is a loss to the employer's client. I called an insurance agent, and he did not know if such ...
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0answers
26 views

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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0answers
21 views

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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1answer
80 views

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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2answers
69 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 ...
2
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2answers
52 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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1answer
89 views

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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1answer
44 views

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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2answers
255 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 ...
2
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1answer
92 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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3answers
100 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
28 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 ...
3
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1answer
54 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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1answer
115 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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1answer
44 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
81 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
71 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
67 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
35 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
94 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
42 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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1answer
101 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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0answers
35 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 ...
1
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1answer
69 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
57 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
78 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
83 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
104 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 ...
0
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1answer
53 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
124 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
109 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
96 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
101 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 ...
2
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1answer
245 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
94 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
32 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 ...