Questions tagged [insurance]
Coverage by contract whereby one party undertakes to indemnify or guarantee another against loss by a specified contingency or peril
145
questions
0
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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 ...
0
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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 ...
1
vote
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
votes
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 ...
0
votes
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 ...
2
votes
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 ...
0
votes
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 ...
0
votes
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 ...
0
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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
votes
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
votes
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 ...
2
votes
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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votes
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 ...
0
votes
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
votes
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 ...
0
votes
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.
...
0
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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 ...
1
vote
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 ...
0
votes
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.
...
-1
votes
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 ...
1
vote
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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votes
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
votes
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 ...
1
vote
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 ...
1
vote
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
votes
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
votes
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
votes
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:...
0
votes
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
votes
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
vote
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 ...
1
vote
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 ...
0
votes
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 ...
1
vote
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 ...
1
vote
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
votes
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,...
0
votes
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 ...
0
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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 ...
1
vote
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 ...
0
votes
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
vote
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 ...
1
vote
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 ...
1
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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
votes
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 ...
0
votes
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 ...
