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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

-4
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0answers
66 views

Can I get insurance company to pay for my storage fee?

I was in a car accident back in September 2018. after the incident i towed my car back back to our home and park it on the side of my residence. The insurance Company finally made me an offer for my ...
1
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3answers
103 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
53 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
68 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
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1answer
96 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-...
1
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0answers
13 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:...
0
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0answers
47 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 ...
1
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1answer
94 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
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1answer
60 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
28 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
94 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
42 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
143 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
88 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 ...
0
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0answers
13 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
25 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
64 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
42 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
vote
1answer
51 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
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" ...
3
votes
3answers
240 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
141 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
61 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 ...
0
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2answers
62 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
83 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,...
0
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0answers
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 ...
2
votes
1answer
88 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
votes
2answers
114 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
160 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
68 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
43 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
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1answer
86 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
87 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
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 ...
1
vote
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
vote
1answer
71 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
votes
1answer
91 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?...
0
votes
1answer
33 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 ...
0
votes
2answers
92 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 ...
1
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0answers
48 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 ...
1
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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 ...
1
vote
1answer
133 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 ...
1
vote
1answer
70 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 ...