Insurance and Reinsurance Law Articles

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

What to Do if Your Auto Insurance Claim is Denied

Auto insurance companies make money by denying claims. Learn the common reasons for denial so that you can prevent them from denying your claim....
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Examinations Under Oath in North Carolina

This Article examines the procedure in the handling of an insurance claim referred to as an "Examination Under Oath." It addresses the Insurer's...

Life Insurance During Retirement

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...

Could Plaintiffs Have Received Greater Damages had they Not Settled with Farmer Insurance?

In late 2011, Farmers Insurance Company settled a nationwide class action lawsuit arising from failure to pay reasonable medical expenses for...

Seven Steps to Set Your Pest Control Company Apart from Your Competitors

The appearance of your pest control technician matters. How something or someone looks impacts customers and their experience with your company....

During Insurance Claim: Requests from Your Insurance Company

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...

Do You Know and Understand Your Insurance Coverage or...

Business owners and individuals know they need insurance. But often they buy insurance products without a full understanding of what they are...

Insurance Business Model Raises Questions about Payment of Claims

According to legal sources, insurance industry is bound by law to act in good faith with its customers. However, critics of the industry say...

Can I Sue My Insurance Company if They Treat Me Unfairly?

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...

Hit and Run Car Accidents and Insurance Coverage

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"...

Life Insurance in Estate Planning

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...

Oregon Insurance Bad Faith Claims

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...

What Happens to My Life Insurance Policy After I Die?

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...

Malpractice Cases in Turkey

This article explains the general trend of malpractice cases in Turkey. This study had been review in the light of recent amendments in...

Regulatory Compliance for a Medical Practice

In this article, I give you a quick overview of the major regulatory compliance areas for physicians and medical practices, namely: Referral...

Underinsured Motorist Coverage – Sound Protection from the Effects of Serious Car Accidents

Underinsured motorist coverage (UIM) is optional car insurance that you should purchase to protect you and your family. It covers the gap...

Business Insurance: Avoiding Costly Mistakes

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...

Importance of Uninsured (Underinsured) Motorist Coverage

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

When the Insurance Company Wants You to Attend a Medical Exam

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...

Personal Injury Protection (PIP) Benefits

What are PIP benefits? People always ask me what PIP benefits are. In Massachusetts most policies have what is called personal injury protection...

Examinations under Oath Have Become the Wild Wild West

An examination under oath in Massachusetts is usually used by insurance companies as a tool to deny coverage of PIP benefits. In Massachusetts...

Diminished Value in Georgia

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

Causation in Maritime Insurance: The Cendor MOPU

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

I Already Have Health Insurance...Who Cares about Personal Injury Protection?

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...

Truth in Auto Repeal and Reducing Clauses

Beware Wisconsin car insurance consumers: Beginning with auto insurance policies issued or renewed after November 1, 2011, uninsured motorist...

4 Types of Motorist Insurance You Should Understand

Every driver on the road has a responsibility to drive safely, and each driver is responsible for carrying the proper motorist insurance for...

Long-Term Care Insurance - Be Careful of Unscrupulous Agents and Policies Targeting Senior Citizens

Protecting Yourself from Unscrupulous Long Term Care Insurance Practices and Policies - Unscrupulous agents target seniors for improper...

My Insurance Company Won't Pay: Can I Sue My Insurance Company in Pennsylvania?

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...

7 Things to Know When You Negotiate a Car Accident Claim

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

Sun Life Assurance Company of Canada Refuses to Pay Long-term Disability Benefits to Gunshot Victim

The pain associated with a disability can be difficult to bear. The pain of being denied long-term disability insurance benefits by your...

If I'm in an Accident in Pennsylvania in Someone Else's Car, Which Insurance Pays My Bills?

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...

Dram Shop Liability in Connecticut and Drunk Driving Accidents

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

Strategies for Dealing with Insurance Company Claim's Adjusters

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

4 Excuses Used by Insurance Companies to Pay Less on Insurance Claims

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

The Advantages of Getting an Attorney to Handle Your Disability Insurance Claim

Dealing with insurance companies is hardly ever a pleasant experience. This is because to them, you are just a number that represents a negative...

In Pennsylvania, Does My Limited Tort Option on My Car Insurance Apply if I Was Hit as a Pedestrian?

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...

Tricks of the Trade for Dealing with Car Accident Insurance Companies

The bottomline is, insurance companies are first and foremost, a business. So despite the fact that you have diligently paid your premium and...

Insurance Agent Negligence Claim

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...

Parents of Teen Drivers and Liability in Illinois

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

Credit Rating Agencies - Implementation of Regulation (EC) No 1060/2009 - Cyprus

The Cyprus Securities and Exchange Commission (“CYSEC”) has recently issued a circular drawing the attention of persons operating credit rating...

Personal Injury Lawyer Advice on Michigan Independent Medical Exams

This article is for personal injury attorneys who deal with Michigan auto accident cases. You will learn important advice on how defense law...

About Med Pay

You may have heard of "Med Pay", but not know what it means. Med Pay refers to medical payment coverage in an automobile insurance policy. Under...

Should You Carry Med Pay if You Have Health Insurance?

So, you have health insurance, but have also heard about Med Pay (medical payment coverage under your auto insurance policy). Should you still...

Positive News for New York Drivers: Insurance Surcharge Goes from $1,000 to $2,000

Automobile accidents in New York may not be as costly for insurance policy holders, thanks to recent legislation signed by Governor David...

A Crash Course in Car Insurance – Lessons Learned in Litigation

The author provides useful tips to keep in mind when purchasing car insurance that will provide adequate coverage in case you actually need to...

Scenarios in Multiple Car Accident and Insurance Issues

If you’ve been involved in multiple car accidents, you should know by now that insurance issues can be quite a hassle.

Proving Uninsured Motorist: Damage Claims against the Driver at Fault

Uninsured motorist (UM) insurance coverage is an automobile policy option which covers the insured for property damage and bodily injury in...

Top 7 Things to Check on Your New Jersey Car Insurance Policy

Cheaper isn't always better. Here's a list of things to check when purchasing automobile insurance coverage in New Jersey. Whether buying online...

Claims on Wheels - An Overview of Filing a Motorcycle Accident Insurance Claim

Get the most from your motorcycle insurance by knowing your insurance policy coverage and limits and your rights and obligations under state law.

New Wisconsin Car Insurance Law Benefits Drivers

The New Year is already looking up for Wisconsin drivers! By January 1, 2010, all of the provisions of the Truth in Auto Insurance law will be...

Offset Clauses and Your Auto Insurance Policy in South Carolina

Auto insurance policies in South Carolina are changing and not for the better. Thanks in part to a state appellate court ruling in 2000,...

How Much Car Insurance Do I Need?

Article that discusses the legalities of car insurance.

Comparing the Delaware Captive Statute to the Vermont Captive Statute

Both the Delaware and Vermont captive insurance statutes are modern statutes, with leading edge provisions, carefully tended by thoughtful and...

Carriers Liability Insurers - to Pay or Not to Pay - Malaysia

It is therefore important for parties entering into contracts and agreements to seriously consider the implied and express conditions/term of...

Is There A Genuine Dispute or Is It Bad Faith?

Attorneys counseling either insureds or carriers need to have a grasp of this doctrine as well, whether they are providing advice during the...

On Dealing with Lien Claimants

Recognizing and acting on liens is an important part of any practice.

Bringing OSHA Regulations Back to the Courtroom

Construction work is difficult, demanding and often dangerous. Pursuing a third party claim for a construction injury can be equally trying.

Coping With California Firestorm Claims and Ten Do's and Dont's for Insureds

The fact is, whenever there is catastrophe, insurance problems rear their ugly head. The first thing that needs to be done in advising on a...

Marine Insurance: Institute Cargo Clauses ( “ICC”) 2009

The archaic term “servants” in Clause 4.3 of ICC 1982 has been replaced with the term “employees” in Clause 4.3 of ICC 2009".

Settling a Personal Injury Claim

There are many benefits to settling a personal injury claim. However, claims should only be settled when it is the prudent thing to do, namely...

Insurance Claim Evaluation and Making a Claim

To make an insurance claim, you have to evaluate first your coverage.

When Catastrophe Comes Calling and Ten Insurance Claim Do’s and Don’ts

It seems that Southern California is the land of natural disaster. Between fire, flood, earthquake and the occasional stray hurricane, we get...

Basic Types of Car Insurance

Most state laws require people to have automobile insurance, or at least urge them to have this policy that will help them pay for...

Avoiding Disability Insurance Fraud

Most people purchase a disability insurance coverage thinking that this will help them pay for hospital bills and loss of wages in case of an...

Seeking Property Damage after a Car Accident

Most states require drivers to have insurance coverage, or at least urge them to have this policy to help them pay car repairs and property...

Limited Tort vs Full Tort Protection in PA Auto Insurance Policies

There are other ways to save on your auto insurance premiums without sacrificing your legal rights and your family's safety.

Insurance Companies Balk at Covering Dangerous Dogs

Dogs that bite people can cause disfigurement, broken bones, amputations, emotional trauma and even death. While the psychological aspects of...

Colorado Moves to Tort-Based Auto Insurance System

One of the most important concerns for people injured in auto accidents is receiving adequate compensation to cover all losses and injuries....

Common Homeowners’ and Business Liability Insurance Issues in Illinois

A variety of injuries are covered by homeowners’ and business liability insurance. For instance, dog bites, slip and fall accidents, and or most...

Unfair Insurance Practices

A Bad Faith In Uninsured Motorist Coverage, Underinsured Motorist Coverage And Med-Pay

Texas Auto Accident Uninsured and Underinsured Motorist Coverage

The law of the land in Texas requires motorists to have automobile liability insurance, this is the type of insurance that pays for another...

How much UM Coverage do you Have?

A car accident caused by a hit and run driver caused injuries to the driver of this car, but he did not have adequate UM coverage. What does...

Difference Between Car Insurance Policies

To understand what the difference is between auto insurance policies offered by different companies requires an understanding of a couple of...

Private Placement Life Insurance

Private placement life insurance is a pre-emptive IRS audit tax strategy that transforms taxable ordinary income and capital gains into tax-free...

Life Insurance Claims Denials in San Diego and Orange County and ERISA Appeals in California - You and your Insurance Lawyer Only Get One Chance

As this San Diego and Orange County Life Insurance Lawyer explains, when a life insurance company denies a beneficiary’s claim for the life...

Pharmaceutical & Insurance Fraud

This article provides an overview of medical, pharmaceutical & health insurance fraud: types of fraud, acts & statutes, case studies,...

How to Effectively Negotiate an Injury Claim Settlement With an Insurance Company

This articles discusses a few factors that can make your negotiation of an injury settlement claim much more effective.

Is Florida any closer to finding a solution to its property insurance problems?

Florida insurance reform: One year after a massive legislative overhaul, is Florida any closer to finding a solution to its property insurance...

Why You Need MedPay Insurance

Are you wondering whether you need MedPay or Personal Injury Protection? A San Francisco Bay Area attorney explains what it covers and how much...

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