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Q & A Insurance
   What is an auto insurance policy?
   What is an ‘insurable interest’?
   How does an insurance policy ‘protect’ me?
   Are there any government agencies that regulate how insurance companies operate?
   Why do I need automobile insurance?
   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?
   If I miss a premium payment and get a cancellation notice, is there anything I can do to be able to keep the policy?
   What happens if I'm sued for causing a car accident and I don't have insurance?
   If I own a car, do I have to buy insurance?
   What is a ‘financial responsibility’ law?
   Are there legal limitations on insurance company business practices?
   What happens when there is a claim?
   If I am sued, does my insurance company defend me in court?
   Can an insurance company refuse to sell me insurance for any reason it chooses?
   I hired an attorney to represent me against two auto insurance companies. Later I found out that his firm also has represented these same two companies. Wasn't the attorney legally and morally obligated to tell me this? I would not have hired him if I had known.
   What am I required to do when I have a claim?
   What is a ‘reservation of rights’ letter?
   If I'm involved in a car accident, do I have to tell the insurance company about it right away or can I try to handle it on my own?
   What can I do when an insurance company refuses to pay a claim?
   I'm still carrying a loan on my truck, which was damaged heavily in a car accident that was not my fault. The other driver's insurance company offered a fraction of what I owe. If I accept, an I still in debt for the balance of my loan?
   I was injured in an accident with a rental car, and the driver was not on the contract. Can I get the rental agency to pay?
   If I think certain words in my policy mean something different from what my insurance company says they mean, how do we resolve it?
   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 legal remedies do I have if my insurance company won't pay my claim or won't pay what I think the claim is worth? Lawsuit for breach of contract
Lawsuit for breach of contract
Lawsuit for ‘bad faith’
   My car was damaged; the other driver was at fault; her insurance adjuster totaled my car. I had no insurance at the time of the accident. Will her insurance company withhold paying for damage because I was driving without insurance?
   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?
   The auto body shop where I took my car was recently broken into. My car glass was broken along with 12 other cars. The repair shop says they are not responsible for the damage. The lot was not secured and no signs posted. I did not sign any release. As the car is old, I carry only liability insurance. Shouldn't the shop have some insurance to cover this type of damage on their premises?
   My truck was stolen two weeks ago. I've made a claim and I am waiting to see what happens. My insurance policy states’cash value.’ my insurance adjuster told me that an independent company will place a value on my truck. Am I able to dispute the price they offer me? Can I get my own independent value from dealers, the classifieds, etc.?
   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!
   On my way to a company seminar, a deer hit my car, causing a lot of damage. As it was my car, not my company’s, my auto insurance will cover the damages. But who pays the deductible?
   I injured somebody in a car accident. The insurance company refused to settle within my policy limits, and the jury awarded damages in excess of my policy limits. Must I pay the excess?
   While riding my motorcycle, I was hit by a guy running a red light. His insurance company wants access to all of my medical records, including records from before the accident. Do I have to give the company the old records?
   The folks at the car rental counters encourage customers to buy ‘cdw’ insurance. Should i, especially since I have collision insurance as part of my personal automobile policy?
   I had an accident in a car I was test driving. Does the car dealership cover the costs of repair?