Insurance Law Articles

Articles written by attorneys and experts worldwide
discussing legal aspects related to Insurance.


Find a Law Firm:

Wrongful Denials

  July 14, 2014     By de la Riva & Associates
Your personal injury attorney can explain the concept of “bad faith” and how insurers may conduct themselves in this manner by wrongfully denying claims.

Class Action Lawsuit Against Life Partners Will Move Forward Following Judge’s Ruling

  July 7, 2014     By Heygood Orr & Pearson
A Texas judge has rejected a motion by Life Partners Holdings, Inc. to toss a class action lawsuit filed by investors who allege they were misled by the life settlements company. Three Life Partners executives were also named in the lawsuit, which alleges that the company fraudulently misrepresented the nature of life settlements that were sold to investors, making them appear more valuable than they actually were.

Car Accidents in Egypt with Foreigners

  May 18, 2014     By Ayman Sultan Law Firm
Be absolutely free from the driving rules - is the most popular "law" in the Egypt for car holders. There are probably only women drive carefully but that fact doesn't decrease the count of accidents with people on the streets. Car accident may happen with anyone in any country. Here an a real example of financial fraud according to the car troubles.

Rhode Island Car Accidents and Ride Sharing

  April 29, 2014     By The Bottaro Law Firm, LLC
Consumers should be aware of the rising popularity of ride sharing companies and their potential effect on insurance coverage after a car accident.

Aetna Disability Benefit Denial Overturned by Court Due to Flawed Vocational Assessment Report

  April 25, 2014     By Attorneys Dell & Schaefer
An Arkansas Court recently overturned an Aetna denial of long term disability benefits because Aetna relied on a flawed vocational assessment report which listed jobs that the claimant was not actually qualified to perform.

MH370 - The Montreal Convention from a Malaysian Perspective

  April 24, 2014     By Brijnandan Singh Bhar & Co
An insight for the unfortunate whose relatives were traveling on MH370.

California Insurance Agent Sentenced For Financial Fraud That Targeted Seniors

  April 21, 2014     By The Evans Law Firm, Inc.
A Los Angeles area insurance agent accused of defrauding senior citizens will spend five years in jail and was ordered by the court to pay $1.2 million to compensate his victims.

ECJ Judgment Makes Revoking Life Insurance Policies Easier Under Certain Circumstances – Insurance Law

  April 2, 2014     By GRP Rainer LLP
Consumers could get the opportunity to revoke their life insurance policies even some time after signing the contract by virtue of a judgment of the European Court of Justice.

The Democratic Republic of the Congo is Privatizing its Insurance Sector

  March 11, 2014     By Emery Mukendi Wafwana & Associates
In September 2012, the Government of the Democratic Republic of Congo (DRC) submitted to the Parliament a bill of law on the Insurance Code for discussion and adoption prior to its promulgation by the head of State and publication in the official gazette in accordance with articles 100, paragraph 2 and 130 to 137 of the DRC constitution.

Insurance and Reinsurance in South Africa

  March 10, 2014     By Emery Mukendi Wafwana & Associates
In South Africa, (re)insurance companies are regulated by the Financial Services Board (“FSB”) which is the government agency responsible for the non-banking financial services industry, including (re)insurance. It is an independent body that supervises and regulates the financial services industry in the public interest.

Deflation Trends in the Assessment of Damages Under Cyprus law

  March 10, 2014     By Harris Kyriakides LLC
The guidance of the Cyprus Supreme Court in the assessment of damages in accident claims has traditionally been founded on certain principles.

Flood vs. Water Damage Claims: Why You Need to Know the Difference

  March 7, 2014     By Lawlor Winston White & Murphey
So how do you know what’s covered and by which policy? That will mainly depend on the specific wording in your policy, but there are some features that are pretty much the same in all cases. Here’s a basic breakdown of flood and water damage insurance.

What is PIP Car Insurance and How Does it Work

  January 31, 2014     By The Tapella & Eberspacher Law Firm
A detailed explanation on U.S P1P type insurance coverage and some of the areas that this type of insurance policy covers in the event of an auto accident.

Legally Speaking, What is an Act of God?

  December 6, 2013     By HG.org
Contracts talk about them, statutes mention them, even TV sitcoms joke about them, but what are acts of God? Many people might think they have a good idea, but given that insurance is often designed to protect against most catastrophes except acts of God, how confident are you that you actually know what is covered?

Legal Considerations for Office Holiday Parties

  December 4, 2013     By HG.org
Every year, millions of Americans engage in office parties around the traditional holiday season. Sometimes these are at the boss's house, a country club, a nice restaurant, or even somewhere at the office itself. But, is the party considered a work function? Could there legally be a consequence for not attending, even if it is after hours? And, what happens if someone is injured, either at the party or on the way to or from it?

15 Things You Should Know about Your Life Insurance Policy and Life Insurance Claims

  December 3, 2013     By Law Offices of Jason Turchin
A life insurance company got a letter from an elderly lady. It read, “I’m sorry, but I have to cancel my husband’s life insurance policy. He died last year and I cannot afford to continue paying his premiums.” Joking aside, life insurance companies often look for reasons not to pay claims whenever possible.

If You Ever Work From Home, How Protected Are You If A Disaster Strikes?

  December 3, 2013     By HG.org
Millions of Americans work from home, either all of the time or on occasion. But, if a fire, flood, or natural disaster were to hit your home, would your insurance cover the lost business revenues, office equipment, or property belonging to your company?

Separate Cost Equalization Agreements May Be Null and Void – Germany

  November 27, 2013     By GRP Rainer LLP
The Superior Court (OLG) of Karlsruhe has ruled that in spite of separate cost equalization agreements, life insurance carriers are not entitled upon cancellation to receive payment for any not yet amortized set-up and handling fees.

How an Insurance Attorney Can Help a Public Adjuster

  November 25, 2013     By Mena Law Firm
By working together on litigating insurance claims, public adjusters and attorneys can obtain beneficial outcomes for their client. In their partnership, each will use their unique skill set to recover the maximum possible compensation for the claimant.

What To Do After a Tornado or Other Natural Disaster

  November 20, 2013     By HG.org
When any sort of natural disaster hits, it can be terrifying. Once it has passed, though, victims are often left wondering what they need to do to pick up the pieces. Is there anything they need to do in filing their insurance claims to make sure that they will get paid soon and as much as possible? This is especially important for those whose houses are destroyed and who have lost everything.

Insurance Coverage Forfeited in Case of Wilful Deceit about the Circumstances of an Accident – Germany

  November 15, 2013     By GRP Rainer LLP
If the cause of an accident is wrongfully described, insurance coverage is forfeited, even if it would have been in effect if it had been described correctly.

Insurance Is Not a Gamble - Turkey

  November 12, 2013     By Herdem Attorneys at Law
Insurance is a contract by which the insurer commits to indemnify in case there is a risk of damage for the insured’s interest that has actual cash value or because of the events that happen in the insured’s life in return for the payment of premium. The contracts of insurance are divided into two categories as Life and Non-Life insurance contracts which are regulated in general in the Turkish Commercial Code and particularly in the Insurance Law

What is the Difference Between Short- and Long-Term Disability Coverage?

  October 31, 2013     By HG.org
Insurance is often a very complicated topic for many to understand. Riddled with unique jargon, overlapping and sometimes contradictory concepts, and inconsistent interpretations, it can be quite confusing to the average person. One example of where this confusion may arise is in the distinction between short- and long term-disability coverage.

Long Term Disability ("LTD") Appeals and Lawsuits -- Frequently Asked Questions

  October 30, 2013     By Driscoll & Associates, P.S.C.
If your claim for Long Term Disability ("LTD") benefits has been denied or terminated, this article may answer some of your questions and concerns.

Dog Bites: Losing Your Life in the Sunshine State

  October 30, 2013     By Ferrer Shane, PL
If a pit bull or rottweiler has a bad moment, instead of being bitten, often someone is maimed or killed; that has now created off-the-chart actuarial risk.

Claimant Unsuccessful in Disability Insurance Lawsuit against Boston Mutual in a Louisiana Lawsuit

  October 23, 2013     By Attorneys Dell & Schaefer
In an ERISA disability lawsuit against Boston Mutual, Federal Judge upholds decision to deny Southside Machine Works employee’s long term disability benefits.

Insurance Fraud - UAE

  October 21, 2013     By Al Saedi & Ezz Arbitration and Law Firm
The author present a research about healthcare, medicare, medicaid, insurance, abuse, fraud, middle east forum 2013 Abu Dhabi UAE motives, scam means.

Lien Negotiation in a Personal Injury Case

  October 2, 2013     By Collins & Collins, P.C.
Negotiation of liens is a very important part of any personal injury case. This is particularly true in cases involving serious personal injury where medical liens may be very large.

Calculating the Redemption Value of Life Insurance Contracts According to The BGH – Germany

  October 2, 2013     By GRP Rainer LLP
Following termination, the gaps arising from the invalidity of provisions are to be closed by means of supplementary interpretation of the life insurance contracts.

What Sort of Malpractice Insurance Does a Law Firm Need

  September 12, 2013     By HG.org
Most businesses need a plan for dealing with unexpected situations. Usually, that plan includes insurance policies. But law firms and lawyers face unique circumstances most other professions never face. So what sorts of insurance should law firms obtain to best manage their risks?

Understanding Bad Faith Claims Against Insurance Companies

  August 21, 2013     By HG.org
Insurance bad faith, also known as “insurance fraud" is the term used to describe the mistreatment of consumers and businesses by insurance carriers. It usually applies to situations in which an insurance company refuses to pay out a settlement pursuant to the terms of its insurance contract with the person or entity they claim to insure.

No Insurance Cover in the Case of Fraudulent Misrepresentation as to Cause of Damage - Germany

  July 25, 2013     By GRP Rainer LLP
If a cause of damage is fraudulently misrepresented then any insurance coverage is rendered inapplicable, even if it would be issued in the face of correct representation.

Optional Car Insurance Coverage You Should Carry

  July 12, 2013     By The Miley Legal Group
Optional types of car insurance coverage that can be beneficial after a car accident include underinsured motorist coverage, medical payments, and gap insurance.

Flood Preparedness Safety Checklist

  July 2, 2013     By Panter, Panter & Sampedro, P.A.
Did you know that floods are the number one most common natural disaster in the United States? Here are some tips to stay safe before, during and after flood storms.

The Highest Auto-Insurance Rates Are in Louisiana for the Second Year in a Row

  May 21, 2013     By Price Benowitz LLP
Louisiana tops the nation for auto insurance rates for the second year in a row. According to an industry study produced by a website named Insure, an insurance industry website, Louisiana drivers pay an average of $2,699 annually for their car insurance. Michigan and Georgia are ranked at two and three and currently the nationwide average for insurance premiums is roughly $1,500 annually.

South Florida 2013 Hurricane Preparedness Tips

  May 15, 2013     By Panter, Panter & Sampedro, P.A.
It’s time for everyone along the east coast to ready their Hurricane Preparedness Plan, and the law firm of Panter, Panter & Sampedro, P.A. have prepared some tips to help prevent unnecessary injuries and damage to property.

Five Most Common Bad Faith Insurance Practices

  April 24, 2013     By The Kristy Law Firm
First party bad faith deals with claims made by policyholders and covers a wide range of transgressions. Here is an overview of the five most common.

Auto Insurance Laws and Regulations In Illinois

  April 16, 2013     By The Hoffmann Law Firm, LLC
In 2009 there were more than 89,000 people that were injured in car accidents in Illinois. In addition, 911 people were killed in fatal car accidents. After an Illinois car accident, it is important to consult an experienced personal injury attorney before negotiating with the insurance company for compensation.

3 Early Signs of Parkinson's Disease

  April 15, 2013     By Burke, Harvey & Frankowski, LLC
Though an outwardly noticeable condition, Parkinson's Disease stems from brain's inability to send messages controlling muscle movements.

Group Insurance Policy - Sue the Insurer? Think Again - Malaysia

  March 25, 2013     By Jayadeep Hari & Jamil
Generally speaking, you are not the owner of the group insurance policy that your company states you are covered under. Here is an overview on how to go about a group insurance policy claim.

Seeing Doubles - Insurance Claim or Full Sum Damages, or Both? - Malaysia

  March 25, 2013     By Jayadeep Hari & Jamil
You met with a motor accident, and your medical expanses were covered by insurance. Are you entitled to claim from the wrongdoer as well? The answer would appear to be a resounding yes, but it is not so simple...

The Democratic Republic of the Congo Is Privatizing Its Insurance Sector

  March 24, 2013     By Emery Mukendi Wafwana & Associates
In September 2012, the Government of the Democratic Republic of Congo (DRC) submitted to the Parliament a bill of law on the Insurance Code for discussion and adoption prior to its promulgation by the head of State and publication in the official gazette in accordance with articles 100, paragraph 2 and 130 to 137 of the DRC constitution.

The Rise of Uninsured Motorist Collisions and What You Need to Know about Your Coverage

  March 9, 2013     By Glotzer & Sweat, LLP
It is estimated that one in seven drivers in the United States are consistently operating motor vehicles without insurance coverage. This article discusses the rise in uninsured motorist accidents and the need for people to review their insurance coverage to determine that they would be able to receive monetary compensation from their own carrier in the event of an accident with an uninsured driver.

What to Do When an Insurance Claim is Denied

  March 6, 2013     By Sloan, Bagley, Hatcher & Perry Law Firm
A successful insurance claim means vital financial resources for a claimant, so what happens when insurance claims are denied?

No Claim of Indemnity for Benefits from a Transportation Insurance Policy - Germany

  February 1, 2013     By GRP Rainer LLP
According to the view of the Federal Supreme Court, the clients of one of the market-leading money and transportation companies are apparently not entitled to claim indemnity.

Litigation in Dominican Republic

  January 14, 2013     By Mesa & Mesa Law Firm
The system of civil and commercial liability in Dominican Republic is based on the French Civil Code of 1804. The litigious process is an adaptation of 19th Century French civil procedure legislation with a certain number of updates and modifications.

10 Bad Faith Insurance Claim Practices

  January 7, 2013     By The Law Office of D.J. Banovitz
Learn about some common bad faith insurance claim practices. If you are dealing with a denied claim after unfair practice, get legal help from a Denver attorney.

Life Insurance Claims in North Carolina

  January 1, 2013     By Law Offices of John M. Kirby, PLLC
This Article addresses life insurance claims in North Carolina, and some issues that frequently arise in these claims, including whether the death is accidental, and whether the insured made a misrepresentation in the policy application. Life insurance claims in North Carolina are governed by the policy itself, state statutes, and sometimes federal ERISA laws.

Obtaining Long Term Disability Benefits for Mental Health Issues

  December 19, 2012     By Burke, Harvey & Frankowski, LLC
Depression, bipolar disorder and post-traumatic stress disorder (PTSD) are three similar mental illnesses with defining symptoms and characteristics. People afflicted by these mental health issues are often times unable to work, making it difficult to pay bills and other expenses. In this article, we detail the challenges people face while trying to obtain long term disability benefits.

Revision of the Insurance Mediation Directive

  December 10, 2012     By CSB Advocates
On the 3rd of July, 2012, the European Commission adopted a proposal for the revision of the Insurance Mediation Directive (“IMD”) which is part of a wider legislative package focusing on consumer protection related issues.

Wischmeyer Professional Service Access Plans

  December 6, 2012     By Wischmeyer Law Office
The world of law, tax and real estate continue to become more and more complex. Costs can be a strong deterrent to a person seeking professional advice. Wischmeyer Professional Services Access Plan allows employers to provide valuable resources to their employees at minimal cost and can even benefit themselves. Access to free consultations with an attorney, accountant or real estate agent with discounts if services are needed for professional resources and services.

The Supreme Court has authorized- insurance debt based on documents, without hearing testimonies.

  November 21, 2012     By Gill Nadel Law Offices
This is an article regarding an insurence law suit

Obama Administration Focuses on Medical Malpractice

  November 20, 2012     By Davis Levin Livingston
The Obama administration has been asking individuals who have suffered improper medical care to report such instances of neglect. It is hoped that the information that will be reported will aid in an overall better health care environment for the nation.

Arizona Upholds $54 Million Reduction of Punitive Damages in Insurance Bad Faith Case

  November 15, 2012     By Jaburg Wilk
The Arizona Court of Appeals recently upheld a trial court's reduction of a $55 million punitive damages award to only $620,000 and further reduced the punitive damages to $155,000-a 1:1 ratio to compensatory damages.

First PIP Lawsuit Filed in Florida and More Litigation May Be Coming

  October 25, 2012     By David Glatthorn Law
David Glatthorn discusses the repercussions of the new Personal Injury Protection (PIP) coverage laws and what they will mean for Florida drivers and the professionals who treat their injuries. A group of chiropractors, massage therapists and acupuncturists have filed a lawsuit against the state of Florida regarding the new Personal Injury Protection (PIP) insurance coverage laws that were passed by state lawmakers this spring.

Making an Uninsured Motorist Claim in Pennsylvania after a Car Accident

  October 24, 2012     By Wolpert Schreiber P.C.
Uninsured Motorist Benefits are coverage for bodily injury or damages after you were hit by another driver who either had no insurance or who left the scene and who remains unknown. Uninsured Motorist coverage is an important thing to have on your car insurance. It protects you and your family against other drivers at fault who either: (1) have no insurance or (2) flee the scene and remain unknown.

Israel - In Which Cases is the Insurer Permitted to Refuse Providing Compensation for Damage to a Shipment?

  October 21, 2012     By Gill Nadel Law Offices
This is an article regarding insurance law. Many times, the court will be presented with a subrogation in which an insurance company that has given compensation to a policy holder for cargo damages takes his place and sues the related parties in the transportation network whom they hold responsible for the damage, for instance: the port, the marine carrier, the air forwarder, the warehouse, the international delivery company etc.

Texas Residential Theft Claims

  September 21, 2012     By The Voss Law Firm, PC
Importance of Having an Inventory List When Pursuing a Residential Theft Claim in Texas - When theft to your home occurs, you will need to file a Texas homeowners insurance claim for the items that were stolen and the damage that may have been done to your house. If you ever have to pursue a theft claim in Texas, you may have to show proof of ownership of the items that are damaged or missing.

Texas Residential Vandalism Claims

  September 21, 2012     By The Voss Law Firm, PC
When theft or vandalism to your home occurs, the aftermath of the situation can leave you stressed, as you may be trying to remember everything the thieves stole. Have you walked in your front door only to find that your home has been vandalized? This horrible situation may leave you feeling violated and scared for your safety. Not only are you left with the mess that this situation created, but you also have to deal with the insurance company, which can be an exhausting and frustrating process.

Texas Sinkhole Claims

  September 20, 2012     By The Voss Law Firm, PC
When the Ground Gives Way in Texas – 5 Critical Things Every Home Owner Should Know - Sinkholes come in many different sizes - some small and others that grow up to 40 to 60 feet deep and wide. When a sinkhole develops on your property in Texas, no matter the size, it can be dangerous. Not only can a sinkhole disrupt your life, but it could also damage your home and property and injure people you love.

Hail Damage to Roofs Insurance Claims

  September 20, 2012     By The Voss Law Firm, PC
A homes roof must be physically inspected by a person who has training and experience to determine if there is actual hail damage. Insurance companies send their adjusters to special training so they can properly identify hail damage to a home. And, the insurance company is generally NOT ON YOUR SIDE. You may be thinking to yourself that you remember a hail storm but looked up at your roof and did not notice any damage. The fact of the matter is you can’t see hail storm damage from the ground.

Mudslide Damage Insurance Claims in Texas

  September 19, 2012     By The Voss Law Firm, PC
If you have come home from a long day at work to find your house destroyed by a mudslide, or if you wake up one morning to find that your porch and garage are not attached to your home anymore because of a mudslide, you may not know where to turn and what to do after suffering this serious damage to your house. You are most likely feeling shocked that this could have happened to you and overwhelmed about what to do next.

Texas Hailstorm Damage Claim Texas Insurance Litigation Lawyer

  September 19, 2012     By The Voss Law Firm, PC
When high winds are coupled with larger hailstones, serious damage may occur to your home and property. Some damage is noticed right away, such as broken windows and indentations on your car, or dents to the side of your home; however, sometimes hailstones can damage things unseen. A roof is typically a good example of this.

How Insurance Companies Value Your Car if it Was Totaled in a Car Accident

  September 18, 2012     By Wolpert Schreiber P.C.
The insurance company has to pay you the actual cash value of your car or truck if it was totaled in a car accident in Pennsylvania. Pennsylvania Insurance Law provides that you are to be reimbursed for property damage if your car was totaled. The law says the insurance company owes you for the "actual cash value" of the vehicle. This means that the actual market value of your car or truck is what they owe you.

Life Insurance Benefits: Applications, Exclusions, Denial and Payment

  September 18, 2012     By Law Offices of Jason Turchin
Life insurance seems like it is handed out like flyers on the Las Vegas strip. It’s a dirty business with insurance companies collecting premiums and hoping you don’t die before the policy expires, or looking for a reason to delay or deny payment if you do die. The purpose of this article is to provide an overview of life insurance claims.

Don’t Confuse the Appraisal Process With Arbitration

  September 18, 2012     By The Voss Law Firm, PC
The Appraisal Clause is meant to be the method for determining disputed values. Appraisal cannot be used to determine what is covered. That is for a court of law to decide. If you have dispute with the company on whether or not something is covered, then you must file a lawsuit against your insurer to get that determination. Two of the most commonly misused and misunderstood terms in the insurance world are "appraisal" and "arbitration".

9 Useful Tips for Winning Your Homeowners Insurance Claim

  September 18, 2012     By The Voss Law Firm, PC
Tip 1 -- Don't assume NO is final - Did you know that less than 1% of claimants query the decision when a claim is denied? Yet, over 50% of those who do fight back get results. So, you've got a good chance of winning if you fight back. 10% of claims are unjustly denied, so if you are aware your claim is legitimate, and you've not indulged in any creative claiming, you have a good chance -- even if they've said no.

Damage Produced by Texas Tornados

  September 17, 2012     By The Voss Law Firm, PC
Filing a Texas Homeowners Insurance Claim During Tornado Season - When a tornado strikes, the first instinct you should have is to get yourself and your family to safety. But what about the aftermath of the storm, when you see the devastating damage to your home and reality sinks in? In Texas, tornados have been known to leave you with wind or hail damage, broken windows, roof damage, wall damage and more.

Cargo Workers and Shipping Lawsuits

  September 17, 2012     By The Voss Law Firm, PC
While shipowners have a duty to transport goods with due diligence in seaworthy vessels and to deliver goods to their rightful owners as set forth in bills of lading, the business of transporting goods by sea is fraught with hazards. If you have suffered a loss of cargo, it is important to consult with a lawyer with specialized knowledge in the shipping industry right away.

5 Things Insurance Companies Don't Want You to Know

  September 13, 2012     By The Voss Law Firm, PC
Insurance companies providing coverage often deny policy holders' valid insurance claims for damage, or pay as little as possible. Is your insurance company treating you fairly? Here are five things insurance companies don't want you to know. If your policy includes replacement cost, you are entitled to complete replacement of damaged property.

Arizona Court of Appeals Upholds Damron Agreement and Declares Facts in Stipulated Judgments

  September 10, 2012     By Jaburg Wilk
The Arizona Court of Appeals recently upheld as valid and enforceable a Damron Agreement in which an insured and its excess insurer assigned their rights against a primary insurer. In so holding, the Court of Appeals made the significant declaration that an insurer who refuses to defend is bound for purposes of coverage by any issues determined in a stipulated judgment that underlies a Damron Agreement.

Interpreting Insurance Contracts - What You Need to Know

  September 10, 2012     By The Voss Law Firm, PC
Insurance law states that should there be an ambiguity or uncertainty in a policy, that issue would be resolved in favor of the policyholder and against the insurer. In the absence of a misrepresentation regarding coverage or exclusions, if the language of the policy is clear and explicit, the clear meaning will be enforced. Insurance contracts are interpreted by judges and courts to implement only the objectively reasonable expectations of the insured.

Duty to Deal Fairly

  September 10, 2012     By The Voss Law Firm, PC
Every insurance contract contains an unwritten or implied term referred to as the covenant or promise of good faith and fair dealing. This is a promise imposed by law upon an insurance company to always act fairly towards its insureds in handling their claims. In bad faith cases, a jury is always asked whether under the facts the carrier acted reasonably.

Texas Commercial Fire Insurance Claims

  September 6, 2012     By The Voss Law Firm, PC
In order to get the most from your insurance company, fire insurance claims need to be pursued aggressively and quickly, because owners of commercial buildings need to minimize the impact of day-to-day losses. It is important to note that insurance companies and adjustors are not your friends. This means that they will do everything to deny your commercial fire claim.

Texas Condo Fire Damage Insurance Claims

  September 6, 2012     By The Voss Law Firm, PC
When a fire damages your condo unit and all the items inside of it, you might assume that everything will be replaced or covered by the condo insurance policy under a fire damage insurance claim. However, not all condominium insurance policies cover personal property. This does not sound fair, as you may not have been the one to even start the fire.

Why is Earthquake Insurance Needed?

  September 5, 2012     By The Voss Law Firm, PC
Under a normal homeowner’s insurance policy, losses caused by an earthquake are rarely covered. This is why earthquake insurance needs to be purchased separately so that in shaky times your property damages will be covered. Typical homeowner’s insurance policies pay for damages that result from theft, storms, lightning, fires and some other damages that are considered “Acts of God.” So, what happens if your home is damaged by an earthquake? Is it covered?

Tornado Storm Damages

  September 5, 2012     By The Voss Law Firm, PC
Two of the more powerful tornadoes touched down in Jefferson County, in the cities of Clay and Center Point. After a survey of the damage in Jefferson County, the National Weather Service reported that the damage in Clay, Alabama indicated that the tornado was an EF-3 with winds of 150 mph.

Texas Insurance Claims - Homeowner’s Insurance Policy Coverage

  August 23, 2012     By The Voss Law Firm, PC
Many people get homeowner's insurance because it is required when purchasing a home. But how many actually look at what the insurance policy will cover and how much it will cover if the home is destroyed or damaged by a fire, hurricane, windstorm, hail, tornado, or other disaster? Most people believe that if anything happened to their house they would be covered because they have an insurance policy.

Texas Insurance Claims - Dos and Don’ts for Disaster Victims

  August 23, 2012     By The Voss Law Firm, PC
When bad things happen, it can often leave people without the ability to think rationally and calmly. For example, when a homeowner sustains property damage in a windstorm, tropical storm, hurricane, tornado, heavy rain, or from hail, there are certain things to do and not to do in order not to hurt their potential residential insurance claim.

Homeowner’s Insurance Knowledge in Texas

  August 22, 2012     By The Voss Law Firm, PC
After the Bastrop fire, Hurricane Irene and other tropical storms that have wreaked havoc on homes in the last couple months, many homeowners were left holding their insurance policies trying to figure out how much insurance they had and what was and wasn't covered by their homeowner's insurance policy.

Texas Insurance Claims - Texas Residential Disaster

  August 22, 2012     By The Voss Law Firm, PC
Maybe a hurricane, tropical storm, or harsh rains and wind ripped across your property, destroying everything in sight. After you discover that your home and residential property are damaged, you have a responsibility to report it to your homeowner’s insurance company. However, this is not the only responsibility that you have following your Texas residential disaster.

About Hail Damage Insurance Claims

  August 21, 2012     By The Voss Law Firm, PC
When hot and humid weather brings abundant moisture and abnormal heat, it can set the stage for a damaging thunderstorm. When large thunderstorms hit Texas and sweep across the South, the wind gusts, torrential rainfall and large hail can be so strong that it can be dangerous and damaging.

Tips to Avoid a Texas Residential Insurance Claim

  August 21, 2012     By The Voss Law Firm, PC
While the summer is a great time to travel, it is also a perfect time to tackle the much-needed home repairs and projects around the house that you may have been putting off. However, it’s important not to put off home-related to-dos for too long, as some repairs can make your home safer and help you avoid a future Texas residential insurance claim.

Insurance Information Generally Not Admissible in Injury Cases

  August 21, 2012     By Miller Legal Services, LLC
Why you probably can't sue an insurance company for your accident. Many of my clients ask me why I don’t file suit against the at-fault driver’s insurance company. After all, it is the insurance company’s adjuster who I have been negotiating with for months before filing suit. The reason I don’t name the insurance company in the lawsuit is that generally, Georgia law says I can’t.

Beware of “Take It or Leave It” Offers for Texas Property Damage Claims

  August 20, 2012     By The Voss Law Firm, PC
Insurance companies hire insurance claims adjusters to evaluate property damage claims to determine the liability of the insurance company. Although the insurance adjuster’s job is to be thorough – completing an investigation on the claim by reviewing reports, examining damage and talking to eye witnesses of the incident – many insurance adjusters just try to settle the claim quickly.

Insurance Claim Help for Georgia Hurricane and Tropical Storm Damage

  August 20, 2012     By The Voss Law Firm, PC
Is the State of Georgia overdue for a devastating hurricane? Many weather officials have stated that Georgia has not had a direct hit from a major hurricane for more than one hundred years, and only four minor storms have made landfall – with the last one over 33 years ago. Is the State of Georgia overdue for a devastating hurricane?

Insurance Claim Attorney Gives Homeowners Advice After Wildfire Damage

  August 15, 2012     By The Voss Law Firm, PC
Although fire season is still in its early stages, many states have already been seriously affected by wildfires blazing out of control. Western states such as California, Arizona, Nevada, Montana, New Mexico and Colorado have been hit hard. The lack of rain, high winds and record temperatures have made it difficult for firefighters to contain these fires. Sadly, about 29 large fires have already consumed over 1.5 million acres of land across these states.

Top 10 Things You Need to Know Before Filing a Sinkhole Insurance Claim

  August 15, 2012     By The Voss Law Firm, PC
It may sound odd that a natural hole will appear all of a sudden and out of nowhere. The gradual formation is quite understandable and it gives you time to address the problem. However, when the hole is formed suddenly, then you might not have time to deal with it. It can even bring casualties. Fortunately, some insurance cover sinkholes to protect you from their unfortunate occurrence.

Wondering if You Should File an Insurance Claim After Tropical Storm Debby?

  August 15, 2012     By The Voss Law Firm, PC
For homeowners who sustained serious storm damage, there is no question that they will file residential insurance claims to collect for damages they suffered. However, homeowners who suffered minor property damage often find themselves asking if they should file insurance claims. Tropical Storm Debby, the fourth tropical storm of this 2012 hurricane season, caused slight to moderate damage to some homes and businesses and serious damage to others.

Property Damage from Downed Trees Caused Many to File Windstorm Claims

  August 15, 2012     By The Voss Law Firm, PC
Waking up to the sounds of trees snapping and loud bangs from trees falling over was a living nightmare for many residents across the Ohio Valley and mid-Atlantic region recently. Residents in 13 different states were affected by violent windstorms, as high winds caused downed trees and other serious damage to areas including:

Record Heat and Drought Conditions Cause Billions of Dollars in Insurance Claims

  August 13, 2012     By The Voss Law Firm, PC
The forecast is dry and the outlook is grim for farmers in the Midwest corn and soybean belt from Iowa to Ohio. In fact, over 1,000 counties in 26 states are affected by the record heat and drought conditions. The latest information from the National Climatic Data Center revealed that the current drought is threatening about 55 percent of the United States, which is the highest percentage in over 56 years.

Filing a Texas Homeowners Insurance Claim During Tornado Season

  August 13, 2012     By The Voss Law Firm, PC
When a tornado strikes, the first instinct you should have is to get yourself and your family to safety. But what about the aftermath of the storm, when you see the devastating damage to your home and reality sinks in? In Texas, tornados have been known to leave you with wind or hail damage, broken windows, roof damage, wall damage and more. In some severe cases, a tornado can even level a house, as tornados can produce wind speeds as high as 300 mph.

Will My Car Insurance Cover Me if I'm Injured Due to a Hit and Run Driver?

  August 9, 2012     By Wolpert Schreiber P.C.
In Pennsylvania, you may be able to recover damages for injuries by a hit and run driver if you have Uninsured Motorist Coverage on your insurance policy. If you injured in a car accident due to a hit and run driver, you should first contact the Police and make a Report. It may be that you can identify the vehicle or the license plate number. If that driver is later found, you would have a right to make a claim for bodily injuries and damages if the driver has insurance coverage.

What is Unemployment Insurance Fraud?

  August 1, 2012     By Greg Hill & Associates
Unemployment insurance fraud is the receipt of unemployment benefits to which one is not entitled, or assisting one in such receipt. It is a particularly prevalent crime in today’s tough economy with numerous underemployed workers. Workers who may have been unemployed for some period of time, only find work at lower pay than expected, continue to receive unemployment benefits when they are simultaneously receiving pay.

Texas Commercial Fire Claim

  July 26, 2012     By The Voss Law Firm, PC
Imagine driving around the corner to find your business in a blaze. Just seeing your commercial building engulfed in flames can leave you wondering what you should do next. You may find yourself asking the questions: How did this happen? Where do I start? Do I have enough insurance? How will I make a living while my business is temporarily relocated or shut down?

Bastrop, TX Fire Insurance Claims

  July 26, 2012     By The Voss Law Firm, PC
The recent Bastrop wildfire has left thousands of Texans with damaged homes and businesses, which means that insurance companies are having to deal with countless insurance property claims regarding the Bastrop fire in the coming months. If your home was one of the 1,386 homes destroyed in the wildfire, don't take any chances.

Importance of Checking Your Homeowner’s Insurance Policy Prior to Making a Texas Property Damage Claim

  July 25, 2012     By The Voss Law Firm, PC
Many people get homeowner's insurance because it is required when purchasing a home. But how many actually look at what the insurance policy will cover and how much it will cover if the home is destroyed or damaged by a fire, hurricane, windstorm, hail, tornado, or other disaster?

Five Things NOT to do After a Natural Disaster or Residential Catastrophe

  July 25, 2012     By The Voss Law Firm, PC
When bad things happen, it can often leave people without the ability to think rationally and calmly. For example, when a homeowner sustains property damage in a windstorm, tropical storm, hurricane, tornado, heavy rain, or from hail, there are certain things to do and not to do in order not to hurt their potential residential insurance claim.

When an Injury Case is Resolved in Court

  July 25, 2012     By Law Office of Sebastian J. Simon
There are some personal injury claims that will not be resolved through a settlement. These include cases in which the insurance company disputes that their client was responsible for an accident, or when very serious injuries have taken place, such as traumatic brain injuries, spinal cord injuries, severe burns or others, and the insurance company is not willing to pay out a settlement that reflects all of the damages that the victim has suffered.

Keeping Insurance Up-to-Date Can Help When You Have to File a Texas Residential Insurance Claim

  July 20, 2012     By The Voss Law Firm, PC
After the Bastrop fire, Hurricane Irene and other tropical storms that have wreaked havoc on homes in the last couple months, many homeowners were left holding their insurance policies trying to figure out how much insurance they had and what was and wasn't covered by their homeowner's insurance policy.


Find a Local Lawyer