Insurance Law Articles

Contrary to popular opinion, long term care insurance is not health insurance or even disability insurance. Instead it covers the expenses of long term care services, such as those you’d receive from home health care professionals or in a skilled nursing facility.

After you are involved in an automobile accident, you have been trained to ask the driver for their insurance information. However, 1 out of 7 drivers are uninsured. What happens then? According to an April 2011 report from the Insurance Research Council (IRC), nearly one in seven drivers across the United States is uninsured.

In Oregon, there are certain requirements for auto insurance that you need to meet. These minimums vary by state so be careful to get the correct insurance to avoid being fined, or find yourself vulnerable after an accident.

Florida is known for being a disaster-prone state, and insurance companies are always quick to point out the many hurricanes that have ravished the state in past years. However, residents of Central Florida have been seeing massive increases in their property insurance rates over the last couple months.

For RI personal injury lawyers, Metropolitan Property and Casualty v. Barry, 892 A. 2d 915 (RI 2006) is an important case concerning Rhode Island uninsured and underinsured motorists (“UM”) insurance policy provisions. The Barry court determined that Rhode Island personal injury victims have a right to prejudgment interest beginning at the date of the automobile collision.

If your insurance company has been extremely difficult to work with, has denied your injury claim, or just keeps giving you the run-around, you can do something about it - file a bad faith claim. You've been paying insurance premiums so that they'll take care of you, so make sure that happens.

The Italian term “Avvocato” (from Latin “advocate”) is normally translated with similar equivalent terms in the English language, namely with the expressions “Italian lawyer” or “Italian solicitor” in England, Wales and Ireland or “Italian attorney” in the United States.

After a car accident in Pennsylvania, there is a priority of who is responsible to pay your medical bills. Understanding that priority is important to getting those bills paid and preventing you from being left with unpaid bills. When you are in a car accident in Pennsylvania, your medical bills must first be submitted to your own car insurance company.

Mechanical malfunctions may seem like something that no one could have foreseen or prevented, but if you were involved in a truck accident caused by malfunction, think again. If you are involved in a truck accident and the accident investigation turns up results that prove it was caused by a truck mechanical malfunction, you may feel like there is nothing else you can do except wait to get help from your insurance agency.

Eating disorders plague many individuals. A number of reasons can be the factors behind why and individual suffers from one. It is important that those that are suffering seek treatment. Some may be seeking control in an area of their life, while others feel the strong pressures of society to look a certain way. Those that have a disorder are often also diagnosed as suffering from depression.

A life insurance policy can provide the protection a person needs that their loved ones will be taken care of in the event of their death. There are numerous types of policies that can be used to fit the varying needs of an individual. Due to the uncertainties in everyday situations, no one can be assured of their future.

Unfortunately, many investors are taken advantage of by unscrupulous brokerage firms and financial advisors every day.

On September 6, 2011, the Ministry of Human Resources and Social Security issued the Interim Measures for the Participation of Foreigners Employed in China in Social Insurance (the Measures) which came into effect on October 15, 2011.

The basic principle of insurance is that a policyholder pays money called premiums to "insure" for the risk of a future loss event. Despite lots of specific definitions of what is covered in the policy contract, there sometimes a disagreement as to whether the incident is "covered".

The state of Florida is known for its mandatory No Fault Insurance, also known as Personal Injury Protection (PIP) Insurance, which covers Florida drivers up to the limits of their insurance policy regardless of fault. This insurance plan covers a driver’s children, members of their household and other certain passengers who lack PIP Insurance as long as they do not own a vehicle.

In the days following a personal injury accident, many injured people receive an outpouring of calls and messages from friends, family and.... insurance adjusters. While it may be easy to give the insurance adjuster a return call while in the call returning mode, the fact remains that insurance adjusters are not your friends.

If you were involved in a car accident, there are probably many questions going through your mind. Understanding what your rights are concerning insurance claims is imperative in order to get the compensation you need. What many people do not realize is that the verdicts and settlements given out for car accidents are, for the most part, paid by the driver’s insurance company.

Questions after a car or truck accident. After a car accident or truck wreck, people sometimes feel overwhelmed with the entire process of returning to life as normal. Car accidents and truck wrecks can leave people injured and without transportation, both of which affect everyday life.

If your car was totaled in a collision, there's a good chance that the Insurance Company will use CCC Information Services to generate a valuation. What you need to know. When your car is declared a total loss after a motor vehicle accident, many auto insurance policies, including many in Pennsylvania, provide that you will be reimbursed for the actual cash value (read: market value) of your vehicle.

Auto insurance companies make money by denying claims. Learn the common reasons for denial so that you can prevent them from denying your claim. You deserve compensation after an accident, so don't let the insurance company take advantage of you.

This Article examines the procedure in the handling of an insurance claim referred to as an "Examination Under Oath." It addresses the Insurer's right to conduct this process, the Insured's duty to cooperate, the effect of the failure of the Insured to submit to the Examination, and the general nature of an Examination Under Oath in North Carolina.

For many people life insurance is an important safety net for their loved ones. With a life insurance policy you know that your family will be financially secure even if something was to happen and you could no longer provide for them. When you have a young family, there is no doubt that life insurance is very important, but is it as important once you are retired?

If you have been in a car accident, and received a concussion, you need to be very careful. Concussions can be a sign of a more serious head injury. You will want to be examined for a more serious brain injury and make sure you receive all the medical treatment you need. A concussion is the term for when your head gets hit so hard that your brain moves back and forth within your skull.

In late 2011, Farmers Insurance Company settled a nationwide class action lawsuit arising from failure to pay reasonable medical expenses for personal injury claims made following auto accidents. According to a Los Angeles, California spokesman for the company, Farmers is pleased to have resolved the matter, although court documents indicate that Farmers settled without admitting guilt but instead chose to settle to avoid the expense of a trial.

The appearance of your pest control technician matters. How something or someone looks impacts customers and their experience with your company. Study after study shows that consumers purchase with their eyes. Presentation matters. There is no doubt that how something or someone looks impacts customers and their experience with your company. Study after study shows that consumers purchase with their eyes.

If you look at your insurance policy, it will probably have a section stating that you have a duty or obligation to cooperate with your insurance company. What that means is explored here. Most, if not all, insurance policies will contain a provision or provisions that require the policyholder (or anyone defined as an "insured") to cooperate with the company. In fact, this language will typically state that it is a "duty" to cooperate.

Business owners and individuals know they need insurance. But often they buy insurance products without a full understanding of what they are getting – or much worse, not getting! Many times a business owners claims to have "great insurance" and doesn't have any idea of what is covered and what is excluded.

If you are planning for the future, you probably have considered the use of life insurance. This can be a great tool to help protect your loved ones. However, many people don’t carefully consider their life insurance needs. Take a look at the information below, to better understand the need for enough life insurance coverage. If you have any questions, or if you’d like to discuss life insurance options, contact an estate planning attorney.

According to legal sources, insurance industry is bound by law to act in good faith with its customers. However, critics of the industry say that in the mid-1990s a new profit-hungry insurance business model, combined with weak regulation, sent the industry in the wrong direction.

Your insurance policy is a contract. It is an agreement where you pay premiums in exchange for the insurance company's promise to pay when a covered "loss" happens. But, what do you do if a "loss" happens but the company refuses to pay all or part of what is owed?

A hit and run car accident can be a difficult situation because if the striking vehicle is not found or identified, then there is no "at fault" or "liability" insurance company. However, you might be able to recover for damages.

In talking to clients and prospective clients I often hear them remark that anyone involved in an accident is negligent “just for being there”. That is a myth, an urban legend, and something the insurance companies would like you to believe.

Life insurance is a key component to the estate planning process. Gone are the days when life insurance was primarily thought of as a means to pay for funeral expenses and burials.

If you've been trying and trying to work with the insurance company to get compensation after an accident, and they haven't been working with you, you might need to try something new - a bad faith claim.

Aside from dealing with medical treatments, another intimidating and daunting task personal injury victims need to manage is dealing with insurance companies.

Many people choose to invest in life insurance. This can be a great way to offer protection to your loved ones, especially if you’re a provider for your family.

This article explains the general trend of malpractice cases in Turkey. This study had been review in the light of recent amendments in legislation related to Turkish Law.

In this article, I give you a quick overview of the major regulatory compliance areas for physicians and medical practices, namely: Referral Laws -- Anti-Kickback and Stark Self-Referrals; Billing Medicare and Other Payers; HIPAA; and Supervision of Staff.

The Supreme Court is currently grappling with issues raised by a temporary injunction granted to hospitals and patients after California cut Medicaid patient fees in 2008 and 2009. The result of the Supreme Court’s decision could have a significant impact on patients who depend upon Medicaid to cover some portion of their personal injury-related expenses after an accident, explains an attorney.

Underinsured motorist coverage (UIM) is optional car insurance that you should purchase to protect you and your family. It covers the gap between the damages an innocent driver suffers in a car accident and the amount of insurance the offending driver carried. Underinsured coverage is needed it is often in the most serious of accidents, meaning when UIM is needed it is really needed.

It is vital for businesses to carry some type of insurance coverage in order to abide by the law. It is wise to have a business attorney involved in the decision making process in order to avoid future legal disputes.

Insurance company claims denials may result in you having a case against them for "bad faith".

A recent study conducted by the Insurance Research Council (IRC) reports that on average one in seven drivers in the U.S. are uninsured. Although the incline dropped slightly in 2009, current estimates of the number of these drivers reach as high as 28 percent in states notoriously known for their record level of uninsured motorists.

Our most important piece of advice for every driver on the road in Southern California: make sure you have uninsured motorist coverage, and plenty of it.

In many personal injury or disability cases, the Insurance Company will request that you attend a medical exam with their doctor. This is not a doctor that treats you or has a doctor-patient relationship with you. Instead, this is a one time exam. The exam is for their doctor writing a report on the cause and/or severity of your symptoms and injuries.

Most people know that the proceeds of a life insurance policy are generally free of income taxes. What many do not realize, however, is that life insurance proceeds are included in their estate for estate tax purposes.

What are PIP benefits? People always ask me what PIP benefits are. In Massachusetts most policies have what is called personal injury protection benefits or PIP. Pip benefits are no fault benefits which means you are entitled to collect these benefits after a car accident whether or not you were at fault or not. Often times more serious car accidents result in injuries to passengers or driver.

An examination under oath in Massachusetts is usually used by insurance companies as a tool to deny coverage of PIP benefits. In Massachusetts auto insurance carriers are required to pay for PIP benefits to the inured passengers, drivers or pedestrians. They are required to pay for reasonable and necessary medical bills, lost wages, replacement services and other accident related expenses.

Why you should not accept the insurance company's first offer.

The Cendor MOPU case law brings a new scenario to insurance law.

Ever since the California Legislature passed the Medical Injury Compensation Reform Act of 1975 (MICRA), plaintiff’s attorneys have been working hard to repeal or amend the law. It is patently unfair to cap a malpractice victim’s non-economic damages, and it gives doctors and healthcare facilities incentive to do a cost benefit analysis on human lives.

Personal injury protection (PIP) is the first resource you have to pay medical bills after an accident in Oregon. Learn how to use PIP and the advantages it offers over health insurance. This could save you money and reduce the stress of medical bills and treatments.

Earlier this month, the Texas Supreme Court once again cast its arms around Big Business and shoved Texans out the door.

Illinois minimum insurance requirements are in place for the protection of motorists. Every driver on the road is required to carry insurance.

Uninsured motorist coverage in Illinois can fill the gap when you’re injured in a car accident and the other driver doesn’t have insurance to cover your damages.

Texas is one of 33 states that follows a comparative negligence law when it comes to filing a car accident claim.

Every driver on the road has a responsibility to drive safely, and each driver is responsible for carrying the proper motorist insurance for protection in case he or she is involved in a car accident in Naperville.

Beware Wisconsin car insurance consumers: Beginning with auto insurance policies issued or renewed after November 1, 2011, uninsured motorist coverage and underinsured motorist coverage can be reduced by amounts payable by or on behalf of the uninsured driver or the underinsured driver, by the amounts paid or payable under any worker’s compensation law, or amounts paid or payable under any disability benefits laws. Wisconsin Statute §632.32(5)(i).

The Irrevocable Life Insurance Trust (ILIT) is typically used to get the value and proceeds of an insurance policy out of an estate so they’re not taxed for federal estate tax purposes. The use of ILITs is not complicated, but there are some administrative hoops to jump through. Your estate planning attorney can do much of the jumping through hoops on your behalf.

Protecting Yourself from Unscrupulous Long Term Care Insurance Practices and Policies - Unscrupulous agents target seniors for improper long-term care. Be careful of long-term facilities that do not meet your needs or are misrepresented.

So, you have made an insurance claim and your Insurance Company won't pay. Can you sue them? In Pennyslvania, there are three main "causes of action" (grounds for suit) against your own insurance company.

It’s important to understand uninsured/underinsured motorist coverage, after you’ve been involved in traffic accidents in Indianapolis. For legal help, call an Indianapolis lawyer.

Life insurance is a great way to provide for surviving family members, but a large life insurance policy may impact your estate.

Many of us who regular drive motor vehicles or who are passengers in them (does that just about include everyone?), are unaware of a chilling and relatively recent Illinois Supreme Court decision that has the effect of denying insurance coverage to those without valid driver's licenses.

Injured in an Indiana car accident? Here are 7 things to know when negotiating your Indiana car accident claim.

There are 4 types of car insurance coverage options you should know about in order to protect yourself from unforeseen complications related to paying for your medical expenses and other costs associated with a car accident in Indiana through the assistance of one of Indianapolis’ traffic accident lawyers.

After suffering Illinois personal injuries you may need to file an Illinois injury claim. Be aware of the dos and don’ts that could impact your case.

When you call your insurance company to file your Indianapolis car crash claim, be careful.

For some Americans, their car -- not their home -- is their castle. So having an accident destroys not just the car’s sheet metal, but the owner’s peace of mind. Not to mention the possibility of injury.

The pain associated with a disability can be difficult to bear. The pain of being denied long-term disability insurance benefits by your long-term disability insurance carrier - in this case, Sun Life assurance Company of Canada - exacerbates the physical pain of a disabling condition.

Which insurance company is supposed to pay your bills depends on the type of coverage (i.e., wage loss, medical, bodily injury) and the amounts of coverage on each policy. There is a "priority" as to which insurer must pay first.

Car Insurance Premiums in the UK have rocketed in the last twelve months by a record breaking 40%, affecting most young men who are now paying in excess of £3,000 a year. This article explains some of the reasons why car insurance premiums are increasing and how to reduce them.

How insurance companies try to deny or not pay you full value for your claim and what you can do about it.

Obtaining additional compensation in certain cases when hit by a drunken driver.

How to get money when you are injured in a motor vehicle accident case when the at fault driver has little or no insurance.

If you understand and recognize these excuses, you can avoid or combat them.

Stacked insurance refers to combining, or "stacking," different car insurance policies to increase your total coverage if you've been injured in a wreck.

Dealing with insurance companies is hardly ever a pleasant experience. This is because to them, you are just a number that represents a negative proposition on their balance sheet if you happened to submit a claim for disability benefits with them.

For most people, insurance is an important thing that's carried specifically for times of trouble. Unfortunately, using your car insurance company doesn't always seem like the easiest thing in the world.

If you have a new insurance claim, your insurance policy probably requires you to do an Application for Benefits. It's a formality required in the policy.

In the Commonwealth of Pennsylania, if you were hit by a car while a pedestrian, your tort option selection on your auto insurance does not apply. You are considered full tort for purposes of this accident. In Pennsylvania, the law is that as a pedestrian, your "tort" option selection on your car insurance should not apply. It is considered an exception to limited tort.

What if my insurance company avoids looking into my work injury claims or misleads me? All of your first-party insurance policies like car insurance, home insurance or life insurance owe you a duty to act in good faith. This applies to Colorado workers’ compensation claims, as well, as they have been interpreted to be similar to first-party insurance policies.

Sinkhole damage can be costly and devastating. When you suspect a sinkhole is forming near your property, notify your insurance company and contact a Florida homeowners insurance attorney.

When your business operations are interrupted because of a commercial property loss or damage, you will need to file a business interruption claim. This is the best way to recover lost income because of closure.

The bottomline is, insurance companies are first and foremost, a business. So despite the fact that you have diligently paid your premium and monthly dues doesn’t mean that dealing with your insurer after a car accident is going to be smooth-sailing.

As the owner of a Florida condo unit, you will need to purchase an insurance policy to cover your personal property. Your building will generally be covered under the condo association’s master policy.

You will need to purchase a separate insurance policy for flood damage coverage in Florida. This policy will cover damage from waves, ground water runoff and overflowing bodies of water.

After your home has been damaged or destroyed by fire, you should notify your insurance company and thoroughly read your insurance policy to see if you can file a Florida fire damage claim. To preserve your fire damage claim, you will need to be completely honest with the insurance company.

An insurance agent negligence claim can arise when your insurance agent makes mistakes that lead you to believe you have coverage that you don’t have. If you are the victim of a negligent insurance agent, you may be able to seek compensation for damages.

Parties to an accident may try to hold parents responsible for damage caused by their teenage driver.

The Cyprus Securities and Exchange Commission (“CYSEC”) has recently issued a circular drawing the attention of persons operating credit rating agencies (“CRAs”) in Cyprus to Regulation (EC) No 1060/2009 of the European Parliament and of the Council, which puts in place a common regulatory regime for the publication of credit ratings.

Homeowner's policies aren't the easiest to understand. Here is a brief explanation of just a few of the most frequently used terms.

After the insurance company for the responsible driver has made their final offer to settle your personal injury claim, you must decide whether you should accept the offer or file suit against the responsible driver.

If you have been in a car accident that injured you, someone else or caused damage to your vehicle, you cannot count on your insurance company to take care of your best interests. The best way to avoid problems with the insurance company is to get your own advocate and hire an attorney.

While flood insurance used to be hard to get, the National Flood Insurance Program has made it easier for those living in areas prone to natural disasters. What is the NFIP, and how can it help you protect your home?

Being involved in an accident with uninsured motorists can be a nightmare especially since more often than not, they don’t have enough money to pay for whatever damages they may have caused you. Chances are, you’d end up paying for whatever property damage or injuries you suffered out of your own pocket.

This article is for personal injury attorneys who deal with Michigan auto accident cases. You will learn important advice on how defense law firms and auto insurance companies use Independent Medical Exams (IMEs) to minimize your client's injuries and lessons for how to successfully handle these issues.

Who should be allowed to profit from the death of Soldiers, Sailors, Airmen, and Marines? The question is almost so appalling as to be absurd.

Millions of us take to the roads every year in a rental vehicle. We reluctantly find ourselves paying the extra cost for insurance coverage the rental company provides without really knowing if it's necessary. Whether the reason is peace of mind or pressure from the rental company, in many cases, it's simply a waste of money.

So, you have health insurance, but have also heard about Med Pay (medical payment coverage under your auto insurance policy). Should you still carry Med Pay on your auto insurance even if you have health insurance? The simple answer is “yes.” Why?