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If I think certain words in my policy mean something different from what my insurance company says they mean, how do we resolve it?
The law recognizes that insurance policies are complex and that the insurance companies, which obviously have an unequal bargaining position with respect to their insured, write policies. For this reason, the courts have developed certain "rules of construction" for reading insurance policies, which tend to favor the interests of the insured. If there is more than one reasonable way to interpret a certain policy provision, the courts will favor an interpretation that supports coverage under the policy rather than an interpretation that would support denial of coverage. If there is more than one reasonable way to read a coverage exclusion, the courts will tend to favor the narrowest interpretation of the exclusionary language. |
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Are there legal limitations on insurance company business practices?
Are there any limitations on what an insurance company can charge for insurance?
Can an insurance company cancel my policy for any reason it chooses?
Can I cancel my policy at any time and will there be a penalty?
What happens when there is a claim?
If I am sued, does my insurance company defend me in court?
If I am sued, can my insurance company settle the case without my consent?
What is a ‘reservation of rights’ letter?
What can I do when an insurance company refuses to pay a claim?
Lawsuit for ‘bad faith’
Are there any options for resolving a dispute with my insurance company other than suing the company in court?Arbitration
Complaint to department of insurance
What are ‘exclusions’ and ‘limitations’ and how do they affect my coverage?
Are there any government agencies that regulate how insurance companies operate?
Why would someone need or be required to have insurance?
Is a business required to provide health, life and other insurance coverage for its employees?
What is an insurance policy?
What is an ‘insurable interest’?
What am I required to do when I have a claim?
Can an insurance company refuse to sell me insurance for any reason it chooses?
If I miss a premium payment and get a cancellation notice, is there anything I can do to be able to keep the policy?
If I think certain words in my policy mean something different from what my insurance company says they mean, how do we resolve it?
How does an insurance policy ‘protect’ me?
I have a friend who is an avid motorcycle rider and who particularly enjoys driving while drunk. Can I take a out a large insurance policy on him? My odds of collecting are higher than the lottery!
We have a policy limit of $100,000. Does this mean that any medical bills, damages, legal fees, etc. That exceed that limit are my responsibility?
Why does it matter that I give an adjuster my social security number?
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