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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"Double recovery" type situation with pet insurances and dog boarder's business insurance

My dog suffered a bite at the dog boarding facility resulting in a vet visit. I filed a claim with our pet insurance and it covered most of the cost but not all of it. The boarding facility also filed ...
hikesafely's user avatar
4 votes
2 answers
982 views

Has, or could, a state or city become a group insurer under federal law?

If a city or state, more likely a state, as part of an insurer being licensed to do business within said state, were required to insure the citizens of a state as a "single group", perhaps ...
paulj's user avatar
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Insurance company said no money was owed and now they have changed their mind

Someone I know was told by an insurance company that since he got a new car they could not insure him because it was too old and he would need to cancel the policy. He was told multiple times on the ...
Eloise Denton's user avatar
15 votes
1 answer
4k views

What happens when an insurance company cannot pay insurance because of natural circumstances?

Let's say there is a fire insurance company X with most of its clients from Region Y. Say that this was Company X's intent, with the knowledge that the following scenario might happen. A wildfire ...
mathlander's user avatar
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1 answer
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HIPAA release form for travel insurance

This is all USA related. I'm filing a claim to cover my medical expenses that happened on a trip abroad. Some related expenses happened in the US after I got back. The insurance company sent me an &...
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Insurance — Intentional act by someone else

Some young punk steals your car and goes on a rampage, a la the chase in the beginning of Mad Max. In the process, he cripples several people and causes severe property damage. Can the injured parties ...
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4 votes
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Home ownership burden of insurance in Scotland

I'm considering buying a home in Scotland for cash, with no mortgage. The home is an apartment. The property is freehold, which means it's outright ownership with no leasehold or anything like that. ...
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What type of insurance are Florida Condominiums required to purchase?

Assume that a Florida Condominium is governed by: https://www.flsenate.gov/Laws/Statutes/2002/Chapter718/All (a) A unit-owner controlled association shall use its best efforts to obtain and ...
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I gave someone a key to my place while I'm gone. If they steal from me, am I covered under renter's insurance?

Would I need to prove/argue that it was reasonable to trust that person?
dripset_pushbert's user avatar
-2 votes
1 answer
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Are insurance incentives for "walking" a violation of the ADA?

My insurance company, United Healthcare, has a benefit whereby they provide a financial incentive for walking with a step counter hooked up to a watch. You can earn financial rewards for out-of-...
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Does a Dental Office have an obligation to tell you they are going out of network when you have been a patient for four years in-network?

I had been going to a dentist from 2018-2022. I had work done in the summer and fall of 2022. They treated these appointments as normal - collected my copay, did the work, filed with the insurance, ...
Kara S.'s user avatar
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Germany: insurance for newborn but change of insurance end of the same month

A child is born to parents (german citizens, german clinic) who are insured by an international private health insurance until the end of the month. The birth certificate was available at 25th of this ...
Allerleirauh's user avatar
3 votes
1 answer
138 views

Can life insurance claims be denied due to off-label use of alternative drug therapies?

Say Jane has been diagnosed with cancer. She reaches the point where she is told that chemo/radiation may help extend life but will not cure the cancer. Jane chooses no chemo/radiation and begins ...
Lima's user avatar
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24 votes
2 answers
8k views

A car catches fire in a carpark. The resulting fire spreads destroying the entire carpark. Who is liable?

A car catches fire in a multi-story carpark. The fire spreads quickly from the car, igniting nearby vehicles, leading to a raging inferno that causes the collapse of the carpark. All the cars parked ...
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Can I invest the advance payment from my homeowners insurance after a total loss? [closed]

We recently lost our home to a fire, and the insurance company provided a large advance on our settlement. It will be a long time before we are able to rebuild and replace most of our stuff. Can we ...
Quasi_Stomach's user avatar
2 votes
2 answers
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In France, can the insurance not apply if my motorcycle has racing parts?

I have a motorcycle in France that is insured. For clarification, I do ride on road and not on a circuit. Doing some maintenance, I changed the air filter to a racing one that says to increase air ...
Daxelarne's user avatar
3 votes
1 answer
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UK: Good faith vs qualifying misrepresention

Consider the following in the context UK contract law, insurance and consumer rights. When you (a person or legal entity) buys insurance there is some expectation that you properly value the item or ...
Bruce Adams's user avatar
14 votes
3 answers
2k views

What happens if an insurance company does not mention a critical clause of a policy during a telephone purchase?

Suppose one phones an insurance company and arrange and pays for car insurance. One then receives the documentation and there is an additional clause that was not mentioned that invalidates the ...
John's user avatar
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11 votes
3 answers
6k views

Is it legal to file two insurance claims for the same loss?

Say my car started a fire and the fire caused damage to my house, resulting in a loss of $1000. Is it legal/ethical for me to file a claim with my car insurance while at the same time filing a claim ...
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1 answer
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Car and Med Insurance?

If somebody were to get into a bad car accident, the med costs can rack up, and it'd be best to have insurance burgeon a portion of the debt. But let's say that due to financial straits, said person ...
Budd Kraken's user avatar
2 votes
1 answer
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Insurance claim chain of causality vehicle damages garage causes theft

In England. A vehicle damaged the sole ingress and egress for cars at a block of flats in careless but normal use. The damage was such that the ingress/egress (a garage door) could no longer be closed....
gianthair's user avatar
1 vote
1 answer
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Home Appraisal Appeal [closed]

We recently applied to have our PMI dropped, and the bank hired an appraiser to do an appraisal on our home. The comparisons they used were nothing like our home and were not in our subdivision, and ...
seyyedlatif's user avatar
6 votes
1 answer
2k views

If involved in an accident, while uninsured, for which the other driver is insured, can the other insurance company turn them in?

A friend of a friend recently had this situation come up. They were driving uninsured as a result of one of their housemates having tossed the bills as they came in. They learned they were uninsured ...
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broker cancelled life insurance policy without authorization [closed]

Back in 2018 we had a life insurance policy that was set up in 2007, we were selling our house and buying another, our broker wanted to make sure we were covered as we were taking on a bigger debt. ...
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Can / How would a lease (contract) require an injured visitor to hold the renter's insurance liable?

Assume Jane visits Bob (Renter). Mike is the Florida landlord. Jane slips and falls on the Mike's rental property, Can Mike's attorney construct lease so that Bob is required to have some sort of ...
gatorback's user avatar
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1 answer
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Rent Car to Friend using the friend's car insurance

Let's say someone owns a car and rents it out to a friend. the owner tells the friend "you can't drive this car unless you put your own car insurance on the car" and has the friend sign a ...
user55665484375's user avatar
1 vote
1 answer
111 views

Must all accidents be reported to your insurance company in the UK?

Disclaimer - This is a follow on question from the previous one I asked on whether it is a crime to fail to stop. Let's say I have some sort of minor damage to my car, such as a scratch/dent from ...
Space fighter's user avatar
2 votes
0 answers
30 views

Does the Anti-Kickback Statute apply to remunerations when a patient has private insurance?

The Stark Law (42 U.S.C. § 1395nn) and the Anti-Kickback Statute (AKS) (42 U.S.C. § 1320a-7b) are pretty clear that they only apply to federal/state-funded insurance plans. Under these plans, a doctor ...
amz-sea's user avatar
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1 answer
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How does the price cap on Russian oil work?

How does the price cap on Russian oil work? As I understand, EU insurers are now prohibited from doing business with freight companies that transport Russian oil by sea – unless they comply with the ...
Sergey Zolotarev's user avatar
1 vote
2 answers
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Personal Liability Renters Insurance

My renters insurance has section described as Personal Liability(Bodily Injury and Property Damage). My question is, is this liability for this dwelling only. If I am sued for bodily injury from auto ...
paulj's user avatar
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2 votes
1 answer
358 views

Have state governments in United States of America prosecuted limited liability companies for not buying worker's compensation insurance?

Have state governments prosecuted companies for not buying worker's compensation insurance? Though employees would prosecute in the event of an accident, what else enforces companies to buy it? Does ...
Coo's user avatar
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1 vote
1 answer
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How do cycle theft insurance policies ascertain compliance with their locking policy?

Some insurers will cover bicycle theft if it was stolen despite your securing it with a method that fulfills their policy requirements. But how might they typically prove whether you secured it in ...
JosephCorrectEnglishPronouns's user avatar
0 votes
1 answer
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which state's laws would an "insurer" be subject to if were a USA subsidiary of a foreigncompany and it owns offices across the entire UStatesAmerica?

Which state's laws would an "insurer" be subject to if were a USA subsidiary of a foreigncompany with headquarters in state X, and global offices, offices scattered across the United States ...
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0 votes
2 answers
227 views

Is it legal for a broker of insurance to cancel your policy if they do not send you the warning-letter from the insurance company about cancellation?

Is it legal for a broker of insurance to cancel your policy if they do not send you the warning-letter from the insurance company and they put things on your insurance policy that you never asked for?
user avatar
1 vote
1 answer
310 views

Is it insurance fraud to intentionally let your car be stolen?

Suppose someone wants to "sell" a car but nobody will buy it. The owner has an insurance policy that covers theft. Is it legal for the owner to intentionally leave it unlocked in a high-...
Someone's user avatar
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1 answer
205 views

At-fault accident in someone else's car, but car was not damaged

Recently, my wife was involved in an accident that was (likely) her fault. She and I are both insured drivers. She was driving her Grandfather's car at the time. From what I understand, his insurance ...
oaktubs's user avatar
2 votes
1 answer
171 views

Legally required information and unmonitored email addresses

When one is required to inform a company of something, and some email is sent to a mailbox that is not monitored, has the company been informed? For example, say someone had a car insurance policy ...
User65535's user avatar
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1 vote
1 answer
67 views

Who to make out of court settlement offer to in case of not at fault car accident?

Suppose Alice was involved in a car accident, the other party admitted full responsibility and the facts supported such an interpretation. She would like to claim the value of the car from the other ...
User65535's user avatar
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0 votes
1 answer
293 views

Can GEICO appeal this case "GEICO ordered to pay Missouri woman $5.2 million after she contracted STD in a car"?

Can GEICO try to appeal this case "GEICO ordered to pay Missouri woman $5.2 million after she contracted STD in a car" ? What options does GEICO have regarding this case ? The full story ...
Job_September_2020's user avatar
4 votes
0 answers
106 views

Police voluntarily given a boat for pursuit: risks to owner?

In a number of videos (example), recently in Florida there was an on-going theft of a jet-ski. The police approached a boat owner who had just launched his boat for the day and asked if he would be ...
CGCampbell's user avatar
2 votes
1 answer
561 views

Amazon property damage liability and recovery [closed]

Suppose that An Amazon delivery driver - in a logo'd, officially painted Amazon van - ran over some landscaping as they were leaving my property after delivering a package. They damaged newly ...
mikem's user avatar
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0 votes
2 answers
151 views

Blockchain based insurance policy brokerage - requirements and restrictions

I have some questions regarding the concept and legality of a blockchain based peer-to-peer insurance platform. A little background: The basic idea is for people being given the possibility to "...
quitely_zealous's user avatar
4 votes
4 answers
211 views

What happens if some of the information provided when subscribing a car insurance are incorrect?

I recently bought a car in UK and I subscribed a new car insurance. I did my best to answer all the questions with accuracy. However, I cannot remember very well when was my last claim and the ...
user1883212's user avatar
2 votes
1 answer
166 views

Life insurance already paid out

I have two step children in California and my wife died. We had a company paid free life insurance that I went ahead and claimed. I was the only beneficiary on the policy. The claim was approved and a ...
Mike Glenn's user avatar
6 votes
2 answers
3k views

I am being threatened by a company to pay a disputed liability NOW or face additional Solicitor costs

I am from Australia. In Australia, any civil claim below $10,000 is considered a small claim and one cannot use a solicitor to represent himself in the small claims court. One may also not claim the ...
user1034912's user avatar
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-1 votes
1 answer
85 views

Am I obligated to pay prorated insurance premium if broker renewed without my agreement?

My home insurance broker sent us a renewal email over a month late. I told them we were not interested, and were changing providers. They want payment for the time between our previous policy with ...
hwm's user avatar
  • 101
0 votes
1 answer
325 views

I'm changing jobs and my new employer does not offer health insurance until 60 days. Can I avoid paying for COBRA insurance? [closed]

I am planning to quit my job and move to another company. This new company does not offer health insurance for the first 60 days of employment. As I understand it, federal law requires employers with ...
TechnoSam's user avatar
  • 187
1 vote
1 answer
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Insurance law, DIY improvements gone awry

I have watched a few videos online where DIY projects went awry. For instance, tree removal with tree winding up on a homeowner's roof and auto. What are the general insurance rules regarding such ...
paulj's user avatar
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0 votes
1 answer
68 views

Is a USA employer required to provide worker's compensation insurance to a contractor if the contractor signed away the insurance?

Is a USA employer required to provide worker's compensation to a contractor if the contractor signed away that insurance and said such employer is not required to provide?
user avatar
1 vote
3 answers
113 views

Car rental company [closed]

Is it worth it to talk to a lawyer about car rental company not providing details on the cost of a cracked front windshield, I need the document to fill a claim with my insurance company. I rented a ...
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