How JustAnswer Works:

  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.
A new question is answered every 9 seconds
Ask a Legal question
Type Your Legal Question Here...
characters left:
14 Lawyers are Online Now

Insurance Law

Insurance law is the law that surrounds and governs insurance, insurance policy and insurance claims. There are three different categories that insurance laws are broken down into: regulation of the business of insurance, regulation of the content of insurance policies and regulations of claim handling. Listed below are a few questions answered by the Experts on issues related to insurance laws..

Can an insurance company call and ask a tow truck driver about information regarding a person if they were in an accident? Can they also give out personal information on the person to the driver?

If the information that the insurance company is trying to obtain is about the accident, they can ask the tow truck driver certain questions. If the information shared by the company also pertains to the accident or claim, they would still be within their rights However, if the insurance company is giving the tow truck driver a person’s whole driving history or other personal information, this would be against the law and a complaint can be filed with the State Insurance Commission.

A person’s car was wrecked in an accident. Is there any liability of the insurance agency to mandate/require proper coverage on the car as it had a loan? Would the insurance agency be liable for anything if they had not sent the proper paperwork stating the coverage on the vehicle?

The insurance agent only needs to give the minimum coverage for the jurisdiction that the person is located in. If the person had a good relationship with the insurance agent where the agent took care of the policy and made sure that it was reviewed every year, they could impose a liability for negligence on the part of the agent based on the fact that the agent and person had a good working relationship. Therefore, the agent would know if the person was protected adequately. But if the insurance agent and the person only had a distant relationship, the agent may have no obligation towards the person.

In the State of Oklahoma, if an insured authorizes a public adjuster to represent them, is it against the law for the company adjuster to still contact the insured?

In the State of Oklahoma, it is not unusual for the adjuster to continue to call the insured to discuss a claim or ask the insured questions regarding the claim. This is generally not against the law especially if the claimant is making a claim against their own insurer.

Does the State Insurance Department have the right to ask a broker for their personal finance information if an agency has filed a complaint with them?

According to the law, the department has the authority to oversee anything with regard to insurance laws since they have been appointed by the state. If the person refuses to provide the information that is needed, the department may be able to suspend their license. Therefore, it is advisable for the person to cooperate with the department and provide them with the information that they need.

In insurance, there are several laws that individuals and brokers need to abide by. While the questions above may have answered some of your questions, they could be others that you may have that are specific to your situation. In these cases, direct your queries to Experts for insights and information to help with your case.
Ask a Legal question
Type Your Legal Question Here...
characters left:
14 Lawyers are Online Now

How JustAnswer Works:

  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.

JustAnswer in the News:

 
 
 
Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.
 
 
 

What Customers are Saying:

 
 
 
  • Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help. Mary C. Freshfield, Liverpool, UK
< Last | Next >
  • Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help. Mary C. Freshfield, Liverpool, UK
  • This expert is wonderful. They truly know what they are talking about, and they actually care about you. They really helped put my nerves at ease. Thank you so much!!!! Alex Los Angeles, CA
  • Thank you for all your help. It is nice to know that this service is here for people like myself, who need answers fast and are not sure who to consult. GP Hesperia, CA
  • I couldn't be more satisfied! This is the site I will always come to when I need a second opinion. Justin Kernersville, NC
  • Just let me say that this encounter has been entirely professional and most helpful. I liked that I could ask additional questions and get answered in a very short turn around. Esther Woodstock, NY
  • Thank you so much for taking your time and knowledge to support my concerns. Not only did you answer my questions, you even took it a step further with replying with more pertinent information I needed to know. Robin Elkton, Maryland
  • He answered my question promptly and gave me accurate, detailed information. If all of your experts are half as good, you have a great thing going here. Diane Dallas, TX
 
 
 

Meet The Experts:

 
 
 
  • Ron

    ASE Certified Technician

    Satisfied Customers:

    21182
    23 years with Ford specializing in drivability and electrical and AC. Ford certs and ASE Certs
< Last | Next >
  • http://ww2.justanswer.com/uploads/FO/fordguy4u/2011-12-17_222940_HPIM1257.64x64.JPG Ron's Avatar

    Ron

    ASE Certified Technician

    Satisfied Customers:

    21182
    23 years with Ford specializing in drivability and electrical and AC. Ford certs and ASE Certs
  • http://ww2.justanswer.com/uploads/lyeung1/2010-07-25_032152_tn_IMG_0241.JPG Dr. Y.'s Avatar

    Dr. Y.

    Urologist

    Satisfied Customers:

    18388
    I am fellowship trained specializing in general urology and reconstructive urology.
  • http://ww2.justanswer.com/uploads/docjohn174/2008-12-13_170143_johnask.jpg John's Avatar

    John

    Home Appliance Technician

    Satisfied Customers:

    13453
    Appliance repair business owner for over 43 years.
  • http://ww2.justanswer.com/uploads/MU/multistatelaw/2011-11-27_173951_Tinaglamourshotworkglow102011.64x64.jpg Tina's Avatar

    Tina

    Lawyer

    Satisfied Customers:

    8490
    JD, BBA Over 25 years legal and business experience.
  • http://ww2.justanswer.com/uploads/dermdoc19/2010-09-30_160749_Photo_122807_015.JPG dermdoc19's Avatar

    dermdoc19

    Dermatologist

    Satisfied Customers:

    3847
    30 years practice in general and cosmetic dermatology
  • http://ww2.justanswer.com/uploads/BI/birddoctor/2012-6-22_173214_birddoctor.64x64.png Dr. Pat's Avatar

    Dr. Pat

    Bird Veterinarian

    Satisfied Customers:

    3384
    25+ years working primarily or exclusively with birds
  • http://ww2.justanswer.com/uploads/RY/rydergar/2012-6-6_192240_IMG0328.64x64.JPG Dr. Gary's Avatar

    Dr. Gary

    Cat Veterinarian

    Satisfied Customers:

    3299
    DVM, Emergency Veterinarian, BS (Physiology)
 
 
 

Recent Insurance Questions

  • I have replacement insurance but my insurance company has refused

    I have replacement insurance but my insurance company has refused to give me what I had my contents insured for. They issued me a parcel check and say I have to turn in my receipts to show what and how much I paid for contents and they will then give me more money. Is this legal?
  • I have an employee that made a claim she was hurt on the job.

    I have an employee that made a claim she was hurt on the job.
  • We are a hay company in TN and we hired 5 or more different

    We are a hay company in TN and we hired 5 or more different semi companies last year during a few days to load some hay we bought at a large farm / ranch around Palestine, TX. The farm said their automatic gate got damaged and they think they know which truck did it but they didn't see it actually happen. At first when it happened the farm said they thought it was one of two of the three trucks that were there that day and all were owned by different companies. After they asked more questions and looked at the time they felt it was one particular truck owned by CRST Malone. Their driver says she didn’t do anything and there was no damage to her truck. She also observed the gates were not acting normal according to her when she drove through them but she says she watched her mirrors to make sure she cleared the gates. Her trucking company processed the claim through AIG Insurance and AIG didn’t approve the claim since the truck had no physical damage and they also said it's the drivers word against the farms word – a he said, she said situation. The one estimate the farm had on the gate so far was in $3,500-$3,700 range but then later they said over $5,500 damage. I had money for hay bought on account and deposited with the farm there in TX for the hay and now they won't release the last $3,696 I had paid them.
    Anyway I previously asked JUST ANSWER is my company responsible for the damage because we arranged the trucks to go in there? Or is the farm owner more responsible if they can't prove the driver or which trucking company did the damage or maybe someone besides the different trucking companies damaged the gate? The gate could of very well malfuntioned and a driver or someone hit it not knowing that, or even one of their employees or someone else going in or out of that gate could of hit I for example.
    We paid the CRST trucking company the $1,600 owed them for hauling the load since we were told by JA that we really could not legally hold them money from them under these facts or circumstances as we know them.
    The Attorney from JUST ANSWER told us previously that: "While I cannot give you a legal opinion regarding the outcome of this matter, I can tell you what claims would be made and make the observation that absent information and evidence to support their claim, the farm will have a difficult time proving causation regarding the damage to the gate (this makes their holding of your money a difficult position). With regard to the farm holding your money (the last loads of hay), unless there is something in your contract that states they are permitted to hold the deposit against damage done by third party contractors or vendors (which is possible) they cannot do so. Even if there is such a clause in the contract, they can only withhold money if they can prove causation. Trucks, tractors, and other farm equipment moving in and out of a gated portion of a farm are common, trying to pin such a claim on a single truck "because they think it was that one" is not going to be sufficient in most cases, particularly when there is no damage to that truck - this is likely why the insurance claim was denied. To get your money (hay) back you will need to file in small claims court in Texas if they are unwilling to cooperate."
    I hired an attorney and she felt we had a good case that we deserved to be paid that money. She pretty much brought up all the points above. She corresponded with the other sides attorney who asked to have a copy of the trucking bill sent which we did and she also stated in that email: "As I have stated previously, other than hiring it to haul the hay, my client has no ownership in this trucking company, nor does it have control over this trucking company. The gate issue is a dispute between your client with trucking companies that went to your client’s premises that day, I would suggest you speak to them."
    Their attorney then said: "I may be confused, so correct me if I am wrong. I understand your company hired the trucking company, and they were not hired or retained by J. A. Wolf Creek. If this is correct, then I believe they are your client’s agent, and they are responsible for the damage." "And later in a follow up email when he didn't answer she said: "As I have stated previously my client has nothing to do with this dispute regarding the gate damage, and your client needs to go after the trucking company that your client alleged to have caused the damage. Therefore, we hereby request your client to release the funds in escrow to my client."
    Their attorney responded: "I may be confused, so correct me if I am wrong. I understand your company hired the trucking company, and they were not hired or retained by J. A. Wolf Creek (the farm/ranch). If this is correct, then I believe they are your client’s agent, and they are responsible for the damage."
    My attorney then said: (remaining short summary to follow next)...
< Last | Next >