HG.org Legal Resources

Insurance Law Articles

Articles written by lawyers and expert witnesses worldwide
explaining the different aspects of Insurance.


Insurance – Different Types of Automotive Insurance Coverage

  April 27, 2017     By HG.org
There are many different insurance companies that provide policies to everyone that purchases one as a driver. Knowing what is needed based on...

Commercial Loan Documents – Beware of “Errors and Omissions” Insurance

  April 12, 2017     By HG.org
When insurance is purchased for commercial real estate either through loan documents or independently, it is essential that the purchaser is...

Is Own-Occupational Disability Insurance Different than other types of Disability Insurance?

  April 7, 2017     By HG.org
There are many different types of long-term disability insurance policies available. Of these, there are own occupation and any occupation that...

Protect Yourself from Liability Caused by Your Employees' Mistakes and Misdeeds

  April 3, 2017     By The Posey Law Firm, PC
Appliance repair, carpet cleaning, and plumbing all have one thing in common: They can face expensive legal liability if a mistake is made or a...

Improve Your VA Disability Claim

  March 21, 2017     By Herren Law
When you or a loved one joined the military, you, like thousands of other veterans, dedicated everything to your service, giving the Army, Navy,...

What Is This “Reservation of Rights” Letter that I Received from My Insurer?

  March 21, 2017     By HG.org
Insurance policies are often purchased for home, car, life with work, medical and when a something else is needed. Some of these are to protect...

Compensation from a Skiing Accident

  March 20, 2017     By Arnone & Sicomo
Ski accident damage: compensation in civil and criminal matters.

Affordable Care Act: The Employer Shared Responsibility Provision and Seasonal Workers

The reporting requirements for the Affordable Care Act (ACA) will remain in effect for the 2017 reporting period, which covers 2016. Any...

When Doctors Are Actually “Hired Guns” in Canada

Would an insurance company be so driven to deny benefits to an injured person that they would spend more on medical assessments than on actual...

Why Do We Have Insurance? Here’s a Brief Look at Its History.

Bad things happen. If you’ve ever wondered why we have insurance, that basic truth is usually the answer. Insurance is our safety net against...

Private Investigators and Insurance Cases

  By HG.org
One of the most common reasons that private investigators are hired is to assist with insurance cases. In many cases, they try to uncover...

What to Do When Insurance Coverage Doesn't Cover All Damages in a Personal Injury Accident

  By HG.org
When harm befalls someone, he or she may require an insurance policy to take effect and pay for damages. Unfortunately, these carriers do not...

How to Handle Natural Disaster Insurance Claims

Need to file a natural disaster insurance claim? Get all the information you need for a successful claim from our 15-step process.

How to Get the Maximum Payout You’re Entitled To From the Insurance Company Without the Hassle

When you’re injured in a car accident, you’ll definitely be in touch with insurance companies. Some are faster than others, and they all want to...

Showing the Connection between Medical Expenses and an Accident

  By HG.org
When involved in an accident, it is vital to understand what costs are covered by insurance plans, third-party insurance carriers, other...

How “Full Coverage” May be a Myth in Car Accident Cases

  By HG.org
Full coverage insurance is often requested or required by car companies for rental, purchase or lease dealings. This type of coverage is usually...

When Can You Sue Outside of Workers’ Compensation?

Any injury or illness that happens in connection with an employee’s job is called a workplace injury. In most states, the definition of...

The Myth of Full Coverage

"Full Coverage" is one of the most common myths of insurance. Learn where your gaps may be, and how to better protect yourself after an accident.

California Rental Car Accident Insurance Primer for Lawyers and Victims

Rental Car Accident Insurance offered by car rental companies, as well as the rental car insurance coverage on your personal car insurance...

California Car Sharing and Ride Sharing Accidents: The Future of Personal Injury

The number of car sharing injury accidents in California will grow substantially as car sharing becomes a $7 billion business globally over the...

Health Insurance Crisis Projected For 2017 – Will You Be Affected?

Health insurance premiums for those insured under Obamacare are projected to rise in 2017. Will you be affected?

Severe Weather Incidents in Texas Spur Record Insurance Claims by Home and Property Owners

The state of Texas experiences more instances of high winds, hail storms, tornadoes, flooding, and other extreme weather events than any other...

California’s 2017 Cell Phone Law Affect on Car Accident Liability

The 2017 new California law restricting cell phone use in cars was designed to further reduce the number of auto accidents and injuries caused...

Should I Go Through My Insurance for Collision Coverage or the Other Driver's Insurance?

Knowing what to do in regards to insurance and covering the property damage to your car after an accident can be confusing. You have options to...

Why Victims Need California Uber Car Accident Lawyers for Ride Sharing Personal Injury Claims

One might have thought it would be easy to settle an Uber accident claim or lawsuit in California. After all, California now requires increased...

When Do I Need a Califronia Insurance Coverage Attorney?

Individuals and business interests in San Diego are often denied coverage under valid insurance policies. The first question to be answered...

What Constitutes Insurance Bad Faith in California?

What constitutes insurance “bad faith” in California? What can a policy holder do to hold an insurance company responsible and accountable for...

"Nettopolicen" - Insurance Intermediaries in Germany Subject to Strict Documentation Requirements & Duty to Inform

“Nettopolicen” are insurance policies with respect to which the premiums do not include commission for brokering the insurance contract. When...

Comprehensive Short Term Rentals and Homeowners Insurance: To Airbnb and Beyond

The way people travel has changed dramatically in recent years. Hotels, hostels and staying with family members are no longer the only options....

New Indiana Law Makes it Illegal to Leave a Crashed Vehicle in the Road

House Bill No. 1048 will add a section to the Indiana Code that makes it illegal for vehicles involved in an accident to remain on the road. As...

Why You Should Not Use an Insurance Direct Repair or Preferred Shop

If your car has been involved in an accident recently it's best to think twice before sending your car off to your insurances preferred shop for...

Cuts to Life Insurance – Consider Withdrawal in Germany

The idea of life insurance forming a component of one’s retirement plan is increasingly losing credibility. According to media reports,...

Private Investigators Working in Concert with Attorneys

Juѕt аѕ lawyers hаvе specializations, Private Investigators dо аѕ well.

The Role of an Insurance Agent in Uganda

In a contract of insurance, there are intermediaries through whom business is transacted and these include among others; agents and brokers. The...

Changing Illinois Medicaid Laws Affect Personal Injury Settlements

Changes are coming to personal injury settlements in 2016. These laws will affect those with Medicare and Medicaid. Here is how you can stay...

Liability Cover in Marine Insurance in England: P&I Perspective

Protection and Indemnity Associations also known as P&I Clubs are the result of long time development from Mutual Hull insurers in England. One...

Changes Ahead for Accident Benefits Dispute Resolution in Ontario

If you have ever had to dispute a decision related to accident benefits under the Statutory Accident Benefits Schedule (SABS), you probably...

The Changes in Insurance: A Prerequisite for a Stable and Efficient Insurance Market in Bulgaria

The new Insurance Code improves the legal framework and introduces the standard Community requirements to ensure legal certainty on the...

California Self-Driving Car Accident Robotics Lawyers

In March 2016, the arrival of self-driving cars, robotics and artificial intelligence systems took a major step forward with automatic breaking...

Invalid Clauses in Riester Retirement Plans – Unravelling Pension Schemes and Life Insurance Policies in Germany

Clauses in Riester retirement plans (government-subsidized private pension schemes) dealing with surplus sharing have been declared ineffective...

6 Legal Snares That Could Hurt Your Business

Entrepreneurs often make up in enthusiasm what they lack in experience, but passion alone is not enough to ensure the success of a business. If...

Romania and the New Insurance Directive

After much debate and discussion the European Parliament and the Council have issued the recast Directive on Insurance Distribution.

Reinsurance & Reinsurance Investments by International Companies in Turkey

The laws and regulations governing the insurance and reinsurance practices in Turkey are quite complex, This brief aims to inform readers on...

What Is Bad Faith in Insurance Cases?

  By HG.org
The relationship between an insurance company and insured is governed by the insurance contract. However, if the insurance company fails to pay...

Possible to Revoke Life Insurance Policy Despite Prior Cancellation in Germany

According to a ruling of the OLG Hamm (Higher Regional Court of Hamm), it is possible to revoke a life insurance plan even after the policy has...

General Damages for Pain and Suffering: What is the Maximum You Can be Awarded in Canada?

If you are badly injured, you may wish to file a lawsuit with the goal of getting financial compensation for your pain, suffering and other...

The Do's and Don’ts of Independent Medical Examinations (IME) in Canada

If you have been injured and advance an insurance claim, there is a good chance that your insurer will ask you to attend a medical examination...

What Makes an Injury “Catastrophic”?

A term that is often heard in the context of auto accidents, insurance, and lawsuits is “catastrophic injury”. As you’d imagine, a catastrophic...

London and Nordic Marine Insurance Markets

A Comparative Analysis in Relation to Marine Insurance Cover.

The Zone of Special Danger Doctrine and the Defense Base Act

The Zone of Special Danger Doctrine has been the subject of numerous lawsuits under the Longshore & Harbor Workers' Compensation Act, and the...

The UK Insurance Act 2015: The Shift in Marine Insurance Warranties Regime

English law switches from automatic discharge of liability to suspension of liability in case of a breach of a warranty as long the breach is...

Year-End Insurance Tips for the Small Business Owner

If you own a small business you are exposed to numerous risks, including lawsuits by third parties, your own employees, and those you do...

Insurance Games: The “Pre-Existing Condition” Argument

Mary Jo was injured in a crash, but the insurance company for the at-fault driver initially offered to cover less than half of her medical...

Insurance Exclusions in The Bahamas

If you are involved in the shipping industry, you will be only too aware of how quickly challenging and difficult legal problems can arise at...

California Indoor Air Quality and Sick Building Syndrome Litigation Attorneys

Lawsuits filed by attorneys in California over Indoor Air Quality or Sick Building Syndrome, are increasing. The WHO estimates that nearly 30...

Arson - Why Your Criminal Defense Attorney Matters

Arson cases can either be charged in federal or state court. In Minnesota, the most common arson charge is arson in the first degree, which...

Arizona Reduces Punitive Damages in Insurance Bad Faith Case Again

In Arellano v. Primerica Life Insurance Company, 235 Ariz. 371, 332 P.3d 597 (App. 2014), despite finding an insurer’s conduct moderately to...

Outline of the New Insurance Code of the Democratic Republic of Congo

The new DRC Insurance Code represents a real revolution in this sector, which has been so far affected by the disparity of laws, which are...

Liberalization of Insurance Sector in Democratic Republic of Congo

Liberalisation of the Insurance Industry in the Democratic of Congo is now a fact. The new Insurance Law of the Democratic Republic of Congo of...

Car Accident in Pennsylvania: At Fault Driver Does Not Have Insurance

If you were in a car accident in Pennsylvania and learn that the other driver at fault does not have insurance, can you still recover for your...

D&O Insurance: Carefully Inspect Content and Scope of Policy

Governing corporate bodies such as executive boards, executive directors or supervisory boards are liable for careless mistakes with their...

How California Lawyers Will Assess Autonomous Self-Driving Vehicle Accident Liability

Now may be the most dangerous time in the short history of self-driving autonomous vehicles when automakers are testing their autonomous...

The Most Dangerous California Highways in Orange County for Personal Injury Car Accidents

In 2012 alone, there were over twenty thousand accident victims killed or injured in Orange County. While freeways seem as if they’d be the most...

What if No One Has Auto Insurance?

If no one involved in a car accident has auto insurance, the situation is complex. It doesn’t matter if a driver who was illegally driving...

California Lawyers Weigh Lawsuits for Spread of the Measles Virus, Negligent Endangerment

California legislators plan to introduce a bill to eliminate the personal belief exemption which allows California parents to refuse to...

Malta Preparing for Solvency II Directive

On the 22nd of December, 2014 the MFSA commenced a consultation process on proposed amendments to the Insurance Business Act (Cap. 403 of the...

New Laws to Help Sexual Abuse Victims and Their Lawyers in California

As a result of changes to sexual abuse laws in California and a more liberal statute of limitations, attorneys in California now have a greater...

Satire and Parody, Publishing Law in California and England

In the aftermath of the horrific and deadly attack on the offices of Charlie Hebdo in Paris on January 7, 2015, we examine why parody and satire...

Pedestrian Fatalities and Injuries in the Coachella Valley Cause Concern

Pedestrian accidents, both with fatalities and injuries are on the rise in the Coachella Valley and officials are concerned. There has been a...

CA New Bike Law Not Yet Preventing Coachella Valley Bicycle Accidents and Injuries

On September 16, 2014, California’s new bike law went into effect requiring motorists to give bicyclists three feet of distance when passing a...

CA Hwy 74 Motorcycle Injuries, Fatalities and Vehicles Going Over the Side

The stretch of Hwy 74 that runs from Palm Desert toward Mountain Center and then toward Idyllwild as Hwy 243, is a scenic paradise with views of...

CA Hwy 86 Injuries and Fatalities, Once Again a Killer Highway

Hwy 86 runs from Interstate 10 to Calexico. It passes through Indio, Thermal, Brawley and El Centro. Once known as “The Killer Highway,”...

I-10 Big Rig Crashes and Tractor-Trailer Rollovers in the Coachella Valley

The truck speed limit on the I-10 through the Coachella Valley is 55 mph. Most truckers drive through the valley at faster speeds. It would be...

Distracted Holiday Shoppers Causing Car Accidents and Pedestrian Injuries

It’s that time of year, Christmas, that dangerous time in California for drivers and pedestrians which accident attorneys and insurance...

Cathedral City CA Hit and Run Accidents and Fatalities, a Coachella Valley Tragedy

The families of hit and run victims in Cathedral City and their attorneys just want answers. How can a bicyclist be hit by a hit and run...

Twentynine Palms Marine Accidents and Fatalities on CA Hwy 62, The Killer Highway - A Personal Injury Tragedy

At least 182 people have died on CA Hwy 62 since 2002. More than 90 lives have been lost since 2007. The risks of dying on Hwy 62 make this...

Is a Claim on a Directors and Officers Policy Made as a Consumer or Business in the UK?

The Financial Ombudsmen Service (“FOS”) resolves disputes between consumers and businesses. So if you want to complain about a Directors &...

Seniors Should be Cautious When Purchasing Deferred Annuities

Financial Conduct Authority says the deferred annuities market is messy, so seniors and elders need to be more careful when buying.

3 Excuses Insurance Companies Use to Deny a Car Accident Claim

Insurance companies often deny personal injury claims with excuses that include denying fault, denying the extent of the injury, and denying...

Transamerica Life Insurance Co. Indexed Universal Life Insurance Policies

If you're wondering whether you should buy an indexed universal life insurance policy, read to find out why you might not want to.

Potentially Misleading Advertisement for Indexed Universal Life Policies by Insurance Marketing Organizations

Insurance marketing organizations may have been providing misleading Indexed Universal Life policy ads.

Equity Indexed Universal Life Insurance Is Not For Most People

Indexed Universal Life Insurance policies are unsuitable for most people. Read on to find out why.

Indexed Universal Life Polices: Sales Illustrations Problems

Prospected high returns promoted by Indexed Universal Life policies (IULs) sales illustrations may not be that high in reality.

Seniors and Elders Remain Alert for Annuity & Insurance Scams

In the world of investment, seniors and elders are prime targets for financial scams. To protect yourself, read on to learn about the different...

Indexed Universal Life Sellers Promise Higher Gains Than Actually Expected

Sellers of Indexed Universal Life policies have been projecting higher gains than what buyers may actually receive.

Things to Know before Purchasing Deferred Variable Annuities

Seniors and elders, are you aware that deferred variable annuities may not be beneficial? If not, read on to learn about the risks of buying...

Concerns Buyers Should Know About Indexed Universal Life Policies

Indexed Universal Life insurance policies are a rather popular type of life insurance. However, there are several concerns associated with...

The US Department of Justice Joins Whistleblower Lawsuits Against UnitedHealth Group Inc.

Whistleblowers brought two False Claims Act lawsuits for Medicare fraud against UnitedHealth Group, Inc. the first in 2011 and the second in...

A Touchstone in Energy Financing: Reduced Yield and Turkish Insurance Market

The effect of climate change is not only an environmental problem today as it directly relates to the resource based industries. In today’s...

Did a Life Insurance Company Wrongfully Deny a Life or Diability Claim?

Individuals and families purchase life insurance policies for one reason: peace of mind. The purpose of life insurance is to provide protection...

How To Deal With Sneaky Insurance Adjusters

  By HG.org
If you need compensation for injuries due to an accident, you need to be aware of one important thing—insurance companies are in business to...

Wrongful Denials

Your personal injury attorney can explain the concept of “bad faith” and how insurers may conduct themselves in this manner by wrongfully...

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

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...

Car Accidents in Egypt with Foreigners

Be absolutely free from the driving rules - is the most popular "law" in the Egypt for car holders. There are probably only women drive...

Rhode Island Car Accidents and Ride Sharing

Consumers should be aware of the rising popularity of ride sharing companies and their potential effect on insurance coverage after a car...

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

An Arkansas Court recently overturned an Aetna denial of long term disability benefits because Aetna relied on a flawed vocational assessment...

MH370 - The Montreal Convention from a Malaysian Perspective

An insight for the unfortunate whose relatives were traveling on MH370.

California Insurance Agent Sentenced For Financial Fraud That Targeted Seniors

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...

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

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 Democratic Republic of the Congo is Privatizing its Insurance Sector

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...


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