Questions tagged [insurance]

Coverage by contract whereby one party undertakes to indemnify or guarantee another against loss by a specified contingency or peril

36 questions with no upvoted or accepted answers
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323 views

Collision with rock under car: is driver at fault? Can insurance points be issued?

Suppose a car registered in North Carolina is parked for several hours in a marked, dirt parking space in a Tennessee park. During this time, the vehicle sinks into the soft dirt enough for the tip of ...
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436 views

Usage-Based Insurance Devices (Like Progressive's Snapshot) - Evidence of Liability and Public Policy

In the United States, the biggest auto insurance carriers such as Progressive, Allstate and State Farm, have all begun offering optional potential policy discounts if the covered driver agrees to ...
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107 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 ...
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1answer
38 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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24 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 ...
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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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34 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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33 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 ...
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45 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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78 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:...
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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 ...
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42 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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143 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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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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57 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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50 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
285 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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214 views

How do regulations regulate unaplied premium in insurance?

A friend of mine bought an insurance in Indonesia. He asked his agent to set the insurance small. What seems to happen is that the insurance agent, to maximize commission, set the premi to be very ...
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20 views

Companies that self-insure for employee health plans in the US - reporting requirements?

In the US, do companies which self-insure for the health care plans they offer employees have any duty to make a publicly accessible financial report on their health care plans? That is to say - are ...
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88 views

Liability insurance requirements when renting a car

Traveling can be a somewhat confusing time, legally speaking, because the distant jurisdiction you're traveling in may have different requirements from your normal place or residence. And there's ...
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1answer
24 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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24 views

Can insurance agents be part of an inquest about death?

Scenario: A woman died when her boat sank 2 years ago. The death was ruled a misadventure at the time. The boat insurer and life insurer paid. Now the boat has been found. Another inquest is ...
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17 views

How long must an insurer retain records of opt-outs for, in Canada?

Daughter studied at a university in ON, Canada, and opted out of their student union's health insurance. The insurer replied that they closed the account and can't access any record of opt-outs. How ...
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49 views

Insurance law and premium audits in NY state

Upstate New York (USA) here. I'm researching insurance law, specifically around the topic of so-called premium audits (aka insurance audits, aka insurance premium audits), which are on-site "field" ...
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32 views

Can insurer avoid duty to defend by speculating about extraneous 'facts'?

It looks like insured one can't speculate about extraneous 'facts' to trigger Duty to Defend: An insured may not trigger the duty to defend by speculating about extraneous ‘facts’ regarding ...
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1answer
77 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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25 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 ...
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2answers
75 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. ...
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31 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 ...
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33 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 ...
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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 ...
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1answer
302 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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31 views

In Indonesia, has insurance company ever win defamation suit?

Many insurance company are pretty scammy. When customers get burned they simply blame the agents. That happens even though they know what their agents are doing. Are there any insurance company that ...
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44 views

Do Indonesians have laws that govern investment?

A friend of mine was offered an investment by an insurance agent. We basically understood that we can arrange that the insurance ia "small" and the rest is for real investment. Even though he is not ...
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1answer
97 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 ...
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1answer
50 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 ...