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Category: Insurance Law

Types of Insurance Coverage: A Comprehensive Overview

Mistakes and accidents happen, both to individuals and businesses.  It is essential to have the necessary insurance coverage to pay for the costs of an unexpected incident or accident.  Insurance companies write policies that can protect you and/or your business from many types of harm and damage. Here is an overview of different kinds of …

Insurance Bad Faith: Recognizing and Pursuing Legal Remedies

Insurance companies often take a fair amount of time to respond to a claim.  They also frequently make low settlement offers to try to save money.  It is not easy to deal with an insurance company.  However, insurance companies have basic contractual obligations they need to meet. Whenever there is an insurance company involved, there is …

The Importance of Timely Notification in Insurance Claims

Policyholders often ask what happens if they report a claim late to the insurance company. There are important practical and legal reasons for giving timely notice to the insurance company, and you never want to take a chance by reporting a claim late. The requirements for notice vary based on your policy. An occurrence policy …

What Can Policyholders Do to Minimize the Risk of a Denied Insurance Claim?

Before the insurance company makes a monetary offer, they need to decide that your damages are covered. They may believe your claim is excluded or does not fall within the policy’s coverage. Alternatively, they may have an issue with how you filed the claim. While you can always challenge the insurance company in court, you …

Understanding Insurance Policy Basics: Key Terms and Concepts

When you purchase an insurance policy, you expect the insurance company to cover the losses you suffer. In practice, it does not always work that way. You are currently involved in a complex contractual relationship with the insurance company. It helps to be familiar with the essential terms and concepts surrounding insurance so you can …

Why Your Homeowners Insurance Costs Keep Rising?

If your homeowners insurance premiums seem to keep rising, all you need to do is check your new mortgage statement each year. There, you will see the additional amount you must pay for coverage. There are reasons why your coverage costs you more each year, many of which relate to increased costs and expenses that …

Common Insurance Claim Denials and How to Handle Them

You may feel relieved because you have an insurance policy if you have suffered a loss. However, the situation may become stressful if the insurance company denies your claim. The insurance company must give you a reason when they deny your claims. Here are some reasons why insurance companies commonly deny claims and what you …

E-Bike Delivery Driver Insurance: Is it Worth it?

E-bikes have changed transportation and the way that deliveries are made. Courier businesses and other delivery services have increasingly turned to e-bikes to help riders navigate busy city streets. These vehicles are street-legal, but they operate differently than standard bicycles. A business could have legal risk and exposure if an e-bike driver is involved in …

The Top Trends and Developments in Insurance for 2023

Technology is changing how insurance companies operate and provide services to their customers. The past few years have seen quantum leaps forward in the technologies available to insurance companies. The hope is that these advances will help both the customer and the insurance company, providing better coverage for a more affordable price. Here are four …

Can My Homeowners Insurance Policy Cover a Wildfire?

The recent smoke over much of the Northeast from the Quebec wildfire has made more people afraid of a potential wildfire damaging their homes. With rising temperatures and prolonged droughts, wildfires are no longer limited to the West. Homeowners often wonder what types of damage their insurance policy will pay. The answer is that it …

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