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Insurance Legal Questions — Free Q&A
Read 23 insurance legal questions Americans have asked, with answers from bar-verified attorneys. Filter by state, search by keyword, or post your own situation — anonymously, at no cost.
23 questions · Insurance
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What happens if my insurance company refuses to negotiate an auto claim in WA?
After my car was rear-ended in Seattle, I filed a claim that was underpaid by my insurance company. They won’t budge on their offer, and I’m not sure how to get them to negotiate. Can I escalate this situation legally?
Asked by Alex ClientRead the answerWhat are the limits of liability in my auto policy in KY?
I live in Louisville, and I’m reviewing my auto insurance policy. I want to understand the limits of liability coverage better, especially after hearing about a recent accident nearby. What should I be aware of regarding these limits?
Asked by Alex ClientRead the answerCan I be denied insurance coverage after a DUI in CO?
I was recently charged with a DUI in Denver, and I’m concerned about how this will affect my auto insurance coverage. My agent mentioned something about potential denial of coverage. Is that a real possibility?
Asked by Alex ClientRead the answerCan my homeowners insurance deny my claim for mold damage in OR?
I discovered mold in my home in Portland and filed a claim with my homeowners insurance. They just informed me that mold is specifically excluded from my policy. I thought I had coverage for such issues. What are my options now?
Asked by Alex ClientRead the answerWhat should I do if my claim is under investigation by my insurance in TX?
I filed a claim for damages after a fire at my restaurant in Dallas, and my insurance company said my claim is under investigation. It’s been weeks, and I haven’t heard anything. What does this mean, and how long can they take?
Asked by Alex ClientRead the answerCan I get compensation if my travel insurance denied my claim in HI?
I had to cancel my trip to Hawaii due to a family emergency, and my travel insurance company denied my claim for the flight refund. They said it was not covered under the policy. I have documentation supporting my claim. Is there a way to challenge their decis
Asked by Alex ClientRead the answerDo I need a lawyer for a denied insurance claim in OH?
I had an accident while riding my bike in Columbus, and my insurance company denied my claim for medical expenses, stating I was at fault. I’m not sure what my next steps should be. Should I hire a lawyer, or is there a way to handle this myself?
Asked by Alex ClientRead the answerWill my auto insurance cover damage from a storm in LA?
Recently, a severe storm hit New Orleans, causing significant damage to my car parked outside. I have comprehensive coverage, but my insurer is saying storm damage is not covered. I feel overwhelmed and unsure of how to move forward. Am I entitled to compensat
Asked by Alex ClientRead the answerCan I take legal action for insurance fraud in MI?
I found out that my auto insurance company in Detroit was overcharging me based on false information they provided. After trying to resolve it directly with them, I’m considering potential legal action. What options do I have for pursuing this?
Asked by Alex ClientRead the answerWhat if my insurance company denies coverage for a work injury in TN?
I was injured on the job last month in Nashville, and my workers' compensation claim was denied by my employer's insurance. They say my injury wasn’t work-related, but I have witnesses who can support my case. What are my options for appealing this?
Asked by Alex ClientRead the answerIs my insurance policy valid after a lapse in payment in MA?
I missed my premium payment for my health insurance in Boston due to financial issues, and now I’m worried about a medical emergency. I want to know if my insurance is still valid and what my options are. Can I reinstate it, or am I out of luck?
Asked by Alex ClientRead the answerCan my health insurance refuse to cover a procedure in NV?
I scheduled a necessary medical procedure in Las Vegas, but my health insurance company said they won’t cover it because it’s considered elective. I was shocked because my doctor recommended it. Can they legally refuse coverage like this?
Asked by Alex ClientRead the answerCan I appeal my long-term care insurance denial in NJ?
My long-term care insurance claim for my mother in Newark was denied last week, and they cited insufficient proof of her condition. I have documentation from her doctor that I think supports my case. What’s the process for appealing their decision?
Asked by Alex ClientRead the answerCan an insurance company deny a claim due to pre-existing conditions in MD?
I was diagnosed with a chronic condition after I purchased a health insurance policy in Baltimore. Recently, I had to make a claim related to that condition, and they denied it, saying it was pre-existing. Is that legal? What can I do about this denial?
Asked by Alex ClientRead the answerHow long do I have to file a car accident claim in TX?
I was involved in a car accident on September 15th in Austin, and I’m currently dealing with mounting medical bills and car repair costs. The insurance company said I need to file a claim quickly, but I’m not sure how much time I have. How long before I lose m
Asked by Alex ClientRead the answerIs my renters insurance valid after a theft in FL?
Last week, my apartment in Miami was broken into, and several valuables were stolen, including electronics worth over $5,000. I filed a claim with my renters insurance, but they’re asking for a police report first. I’m worried they might deny my claim. Can the
Asked by Alex ClientRead the answerWhat should I do if my health insurance won't pay for surgery in NY?
I was scheduled for a knee surgery, but my health insurance, provided by my employer in New York, just informed me that they wouldn’t cover it. The surgery is essential for my mobility and quality of life. I was shocked to receive this news after all the consu
Asked by Alex ClientRead the answerWhat if my disability insurance claim was denied in AZ?
After a workplace injury, I applied for short-term disability insurance in Phoenix, but they denied my claim last week, saying I provided insufficient medical documentation. I'm worried about my financial stability while I recover. What steps can I take to app
Asked by Alex ClientRead the answerCan I sue my insurance company for denying my claim in CA?
I submitted a claim for $15,000 in damages after my house was flooded in Los Angeles last month. They denied my claim, saying I didn’t have the right coverage, but I have the policy documents that say otherwise. I’m feeling lost and frustrated. Can I pursue le
Asked by Alex ClientRead the answerHow can I file a complaint against my insurance company in VA?
I’ve been trying to get a response from my health insurance provider in Richmond for over a month regarding my claim. They are not returning my calls, and I feel completely ignored. How can I file a formal complaint against them?
Asked by Alex ClientRead the answer