HG.org Legal Resources

Insurance Law Articles

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


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, Marines, Air Force, etc. your 110%. Nevertheless, the VA is notorious for inefficiencies when getting disabled veterans their much-needed benefits. Despite your dedication, that may have left you disabled, the VA all-too-often rates the severity of a disability lower than it should be, or the VA takes way too long.

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 in case something happens.

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

  February 16, 2017     By The Posey Law Firm, PC
The reporting requirements for the Affordable Care Act (ACA) will remain in effect for the 2017 reporting period, which covers 2016. Any legislative actions regarding repeal of the ACA will have a delay in full implementation.

When Doctors Are Actually “Hired Guns” in Canada

  February 9, 2017     By Van Dyke Law Office
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 injury compensation? It sounds too ludicrous to be true. And yet, a recent and revealing article in the National Post summarizes an Insurance Bureau of Canada report that says yes, indeed, this sort of thing happens, and that in 2011, Ontario auto insurers spent on average $10,700 in medical assessments per claim vs. $9,700 in compensation.

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

  February 7, 2017     By The Evans Law Firm
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 bad things, and it has evolved in response to the needs of people and businesses to protect their interests and those of their families, employers and financial backers.

Private Investigators and Insurance Cases

  February 7, 2017     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 whether a fraudulent insurance claim has been filed. They do this by conducting an investigation and employing other investigative techniques.

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 always cover all the costs. In some instances, they refuse to even pay half, partial or any damages owed to the victim of these occurrences. If these companies cannot provide the assistance needed in these situations, it is important to know what to do next.

How to Handle Natural Disaster Insurance Claims

  February 1, 2017     By Layfield & Barrett
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

  January 27, 2017     By Kuzyk Law, LLP
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 get you your money. But, of course, the money they offer is usually way, way less than what they may owe, and that puts you in a very tough position. On one hand, you can get your money all up front, and then you’ll be done with any paperwork and additional hassle.

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 entities and individuals. If compensation is possible to pay for extensive medical bills, pain and suffering and loss of income, a lawyer is usually the best person to hire to assist with obtaining these much needed funds.

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 much more expensive and has a handle on much more than simple liability. This means other areas have been considered with damages and monetary payouts if the event of an accident occurs.

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 workplace injury is “any injury that arises out of or in the course of employment.” This is to prevent employees from seeking compensation for injuries not directly caused by the job.

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 policy and from credit cards is a confusing maze, even for personal injury attorneys in California. However, once you understand what you have and what to purchase when you rent a car rental, you should be confident if you are in a car rental accident in California, you and your passengers will be covered for your injuries and any rental car damage.

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 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 next decade. For automakers, car sharing and ride sharing are a way to hedge their bets as car owners choose to use Uber or Lyft ride sharing services and car sharing services and abandon car ownership. For cities it’s a way to take thousands of vehicles off the road. For accident attorneys and personal injury lawyers in California it’s the future.

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 state in the U.S. Although insurance offers home and property owners some protection from damage caused by extreme weather, many homeowners may be vulnerable due to coverage exclusions or bad faith actions by an insurance company.

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 by the use of cell phones. Starting January 1, 2017, it will be a violation of the California vehicle code not simply if a driver texts someone while driving but in many other instances. While the intent of the law is admirable, the new law unfortunately may do little to reduce the number of cell phone accidents and injuries.

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 cover your property damage with collision coverage: go through your own insurance, or the other driver’s. Both have their pros, and both have their cons...

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 amounts of insurance coverage for Uber accidents. However, there’s nothing simple in resolving an Uber car accident case and the difficulties are only going to increase substantially when Uber cars become self-driving. More than ever, victims of Uber auto accidents need experienced Uber car accident personal injury lawyers.

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 the protections of a valid policy? California insurance law is quite complex, and a policy holder should never attempt to interpret or take action against an insurance company without strong legal advice and representation.

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 is: “Does the coverage in my policy cover the specific circumstances of my claim?” The second question to be answered is: “Is the insurance company acting in good faith with respect to my policy claim?”

"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 concluding these insurance policies, insurance intermediaries have to point out and document that the separate payment arrangements continue to apply even if the policies are cancelled.

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. You are now able to temporarily – or even long-term – rent apartments, rooms or full homes from people who, more often than not, are complete strangers.

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 of July 1, 2016, crashed vehicles will be required to move off the road as quickly as possible.

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 repairs.

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, consumers ought to anticipate further cuts in 2016.

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 reason is that most times insurers and some times the insured are companies who can only act through agents ranging from directors and senior management down to junior employees and also other local agents soliciting proposals for insurance. For the case of Uganda, Insurance companies must be bodies corporate under s.4 of the Insurance Act.

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 ahead of these changes, and be aware of their effect.

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 of the principles of these Clubs is to insure liabilities not covered by the Hull & Machinery policy.

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 dealt with the Financial Services Commission of Ontario (FSCO). Since 1997, FSCO’s Dispute Resolution Service has served as the adjudicator for disputes between injured citizens and insurance companies.

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 insurance market with a view to providing better protection to the interests of insurance service users.

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 systems becoming standard on most cars by 2022. Liability for self-driving cars and insurance may be greatly affected by an NHTSA pronouncement in February 2016, and the end of the line for most personal injury attorneys in California and across the country is clearly in sight to the misfortune of accident victims in California and throughout the U.S.

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 by the BGH (Bundesgerichtshof – Federal Court of Justice) (Az.: IV ZR 38/14). Consumers may also be able to withdraw from their pension schemes and life insurance policies.

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 you’re a business owner, you need to watch for the following six legal snares that could potentially harm your company

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 general reinsurance regulations in Turkey and tries to shed light to the reinsurance business by international insurance providers in Turkey.

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 out on a valid claim, the insurance company risks being liable for bad faith. In order for an insured individual to prevail against his or her own insurance company, there are certain legal elements that the insured must prove.

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 already been cancelled (Az.: 20 U 56/14).

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 with a doctor or specialist of their choosing. These exams are known as IMEs (Independent Medical Examinations).

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 expenses you now have as a result of your injury.

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 injury is very serious, but there’s an actual definition in Ontario legislation, found in section 3 (2) of the Statutory Accident Benefits Schedule – Effective September 1, 2010, which is a regulation under the Insurance Act.

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 Defense Base Act. What is it? How have the courts applied it to claims? Where did it originate?

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 material to the loss

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 business with. Damage to your business property or premises can be catastrophic without insurance to cover the losses.

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 expenses due to her pre-existing conditions. The insurance company for the at-fault driver saw our client’s medical history as an opportunity to save themselves a few dollars. Luckily, she didn't fall for their tricks.

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 sea. When you need to make an insurance claim, the complexities of maritime law can present real barriers to getting the swift resolution you need.

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 percent of new and remodeled buildings worldwide have indoor air quality problems (possibly 20 percent in the U.S., according to one study). In California, dangerous indoor air quality and sick building syndrome are a growing area of law for lawyers in the areas of personal injury, real estate, construction, homeowner associations and business.

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 charges that the person intentionally set fire to his home or other dwelling, usually for the insurance money or some other financial reason. This is a serious charge that, if convicted, will likely result in at least a 4-year prison sentence. If you or a family member is facing charges of arson, you need an attorney experienced in handling arson cases.

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 highly reprehensible, the Arizona Court of Appeals recently reduced a punitive damages award from $1,117,572 to $328,000—a 4:1 ratio to bad faith compensatory damages of $82,000.

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 sometimes obsolete and unsuitable to the international conventions in this matter, and by the monopoly granted to the "Société Nationale des Assurances ".

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 17th March 2015, replace legislation that goes back to the immediate post-independence period of the 1960s.

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 damages?

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 private assets. D&O insurance is meant to afford protection against any claims.

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 self-driving vehicles on the roads and highways in California, across the country and internationally to work the bugs out of their systems. But how will California autonomous self-driving vehicle accident lawyers assess and prove liability in accidents involving these cars once more of them are on the road? This article begins to examine just that.

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 dangerous, only about a third of the fatalities and serious injuries occur on the interstates. The majority of victims killed in Orange County accidents lose their lives on surface streets. We list the most dangerous intersections and highways in Orange County where you’re most likely to have your first, next or last and final accident.

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 without insurance didn’t cause the accident; he or she generally does not have a case. However, passengers are not legally required to have an insurance policy just to ride in a vehicle. If they suffer injuries in an accident and no insurance policy is available, they can get help through state funds.

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 vaccinate their children. Two U.S. senators also want to eliminate the religious exemption. Whether either change is enacted, daycare facilities who fail to protect others from unvaccinated children and parents who fail to vaccinate their children risk liability for any injuries or deaths caused by their child’s spread of the highly contagious measles virus.

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 Laws of Malta) and the Insurance Intermediaries Act (Cap. 487 of the Laws of Malta).

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 chance to pursue perpetrators of sexual abuse and obtain justice for their victims. Thanks in part to greater public awareness of the problem, recent reports in the news, and more women willing to come forward after being abused, a greater number of abuse and molestation victims can at last obtain some measure of justice for the trauma they’ve endured.

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 are cherished forms of free speech and how they are protected by U.S. and U.K. law. When an aggrieved target of satire or parody sues for defamation, or a copyright holder sues when their work is contained in a mashup, can parody, satire, or fair use be utilized as a defense by an attorney? In the U.K., it will help if the parody is funny.

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 rash of hit and run accidents all over California this year and the Coachella Valley has not been immune. But it is the total number of pedestrian accidents, hit and run and otherwise that is causing city leaders to consider what can be done to prevent further death and injury to the desert’s residents.

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 bike rider. Since the law passed, bicycle collisions continue to occur. Motorists are likely to be cited for breaking the three feet law only if a deputy witnesses the accident. With the initial publicity of the law fading, many drivers remain unaware of the law. And bicyclists will need to continue to look out for drivers coming too close.

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 both the desert floor and the pine trees and firs that greet you as you get closer to the Mountain Village of Idyllwild. Known as the Palms to Pines Highway, it is a magnet for motorcycle riders who love the challenge presented by the curves in the road that take them in both directions. It’s also a death trap for the unwary or inexperienced rider.

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,” stoplights were installed at some intersections to prevent broadside collisions. Anyone who’s driven the highway, knows it’s still dangerous because of the cross traffic. Now, once again, the highway is taking its toll.

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 easy to blame all of the big rig crashes and tractor-trailer rollovers in the Coachella Valley on speed, but there are too many other factors, including the negligence of others. With trucks that can weigh as much as 80,000 pounds, the passengers in cars and pickups they hit have a lesser chance to survive.

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 adjusters know all too well. It’s Christmas. People in cars and pedestrians alike are distracted. They’re shopping, and coming from Christmas parties. Some are unfamiliar with the roads. Others forget what to do when it starts to rain.

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 vehicle, then a second pedestrian be hit by the same vehicle just moments later, then hit a second time by a paramedics vehicle transporting the first victim, and then hit yet by yet a third hit and run vehicle? These deaths in October 2014 would be just two in a string of recent hit and run wrongful deaths in the Coachella Valley.

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 highway a dangerous road to travel and the stretch of Hwy 62 from 29 Palms to Palm Springs one of the most dangerous stretches of highway in California. Marines from the Twentynine Palms Marine Corps Air Ground Combat Center and personal injury attorneys who represent grieving families know all too well what is known as “The Killer Highway.”

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 & Officers policy, clearly a ‘business’ policy, even if you are claiming in what appears to be a personal capacity, does that fall within the jurisdiction? FOS thought yes, but the broker against whom the director complained in this case asked the Court to review FOS’s jurisdiction.

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 causation.

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 schemes.

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 annuities.

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 Indexed Universal Life policies that one should be familiar 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 2014. The U.S. Department of Justice joins these whistleblower lawsuits against UnitedHealth Group, Inc. for Medicare fraud.

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 world, the scientific assessments lead the players of energy to reflect on their project viability. In direct proportion to the growth in financing renewable projects, insurance companies and underwriters are also expected to formulate their risk assessments on resource-oriented allocation models.

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 in the rare but devastating event of the death of a loved one.

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 make—not give away—money!

Wrongful Denials

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

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

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

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

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

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 million to compensate his victims.

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 European Court of Justice.

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 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.

Deflation Trends in the Assessment of Damages Under Cyprus law

The guidance of the Cyprus Supreme Court in the assessment of damages in accident claims has traditionally been founded on certain principles.

Insurance and Reinsurance in South Africa

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.

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

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

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.


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