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Top 10 Insurance Law Articles

Insurance is like a form of gambling because you are betting on something extremely unpleasant happening, whether it be a car accident, health problems, or even an earthquake. The primary selling factor behind insurance is the old adage, “It’s always better to be safe than sorry.”

Although holding insurance is a definite comfort, you may find that collecting insurance money is just as stressful as enduring the accident for which you were insured. Insurance companies are interested in making a profit, which is why it is difficult for them to let go of money when it is time to pay up on a policy.

Beginning with the article “How to Sue an Insurance Company,” LegalMatch presents its top 10 articles to help you understand and get the most from your insurance policies.

1. How to Sue an Insurance Company

If an insurance company refuses to honor a policy, it might be necessary to take legal action. Before instituting a suit against your insurance company, there are several things you should know, as described in this article.

2. Suing an Insurance Company

Before suing an insurance company, you should find out why your claim was denied and then try to appeal. If both these actions do not work, you might be able to bring suit against your insurance company under several legal theories.

3. Health Insurance

Before buying a health insurance plan, it is important to understand the wide range of options available. Also, once you have plan, you should fully understand what your plan covers so that you know exactly when your insurance company has denied you payment for something they should cover.

4. No Fault Auto Insurance

Depending on what state you live in, you might be able to buy a no fault auto insurance policy. A benefit to no fault coverage is that it eliminates having to go to court for personal injury damages that occur in a small accident. In other words, no fault coverage makes it the case that all parties to an accident pay for their own damage.

5. Automobile Insurance Claims

If you are buying auto insurance, it is best to know exactly what exactly you are buying. Some policies might cover only damage to your car, but not the other driver’s, and some might cover the medical costs you receive in an auto accident, while others do not. Some policies even cover you if you get into an accident with a driver who does not have insurance and who is unable to pay for your damages.

6. Dealing with Your Insurance Company when Your Car Is Totaled

Dealing with insurance companies for a simple accident is never easy, and it is even harder when your car has been completely destroyed. If your car is deemed to be a total loss by your insurance company, there are several things you need to keep an eye out for in order to get the maximum value for your car.

7. Life Insurance

While people typically buy life insurance in order to provide for their loved ones after their death, a certain type of life insurance can actually serve as an important financial resource.

8. Life Insurance Policy Problems

Since life insurances policies can be written in unintelligible jargon and filled with loopholes, it is no wonder that people sometimes have trouble making a claim on their policies. In order to make life easier, this is an article on some of the more commonly asked questions involving life insurance policies.

9. Life Insurance Beneficiaries

If you are the beneficiary of a life insurance policy, you probably have your mind on many other things when it is time to make a claim. In order to simplify things, this article provides a quick answer on how to collect, what happens if the beneficiary is under 18 and what options are available to you if a life insurance company refuses to pay on a claim.

10. Wrongful Repudiation of an Insurance Policy

Wrongful repudiation is when your insurance company illegally cancels your policy or refuses to perform their duties according to the policy terms. There are several options available to you if your insurance company has done this illegal act, and you might even obtain punitive damages against them if they are found to be at fault.

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Law Library Staff

  • Jessica Tam

    LegalMatch Law Library Managing Editor

    Attorney at Law