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People carry insurance policies to protect themselves from financial exposure and liability. In some cases, insurance coverage may be mandatory. Mortgage lenders typically require that new home buyers carry coverage to protect the collateral property, for example....
The law requires liability insurance before people are permitted to drive in most states. Most mortgage companies require that people carry homeowners insurance on finance properties. Businesses of various sizes and functions may carry a broad assortment of different...
When you file an insurance claim for damages to your home, your insurer should investigate your claim immediately. Typically, an insurer would send their own claims adjuster to investigate your claim and then pay you based on the adjuster’s evaluation. But what if you...
When it comes to homeowners insurance, timing is critical. You’ll need your insurer’s payouts to cover expenses such as repairs for hail damage, roof replacements, water damage remediation, etc. And why shouldn’t they? South Dakota is one of the most expensive states...
When a car crash is severe enough to put you in the hospital or totally wreck your vehicle, motor vehicle insurance coverage may be the only thing standing between you and total financial devastation. The driver who hit you should provide you with coverage that will...
You purchase insurance to make your life easier and less stressful when a disaster, accident or another issue occurs. Unfortunately, not all insurance companies adhere to their end of the deal. In these cases, you may be dealing with insurance bad faith. However,...
You pay for an insurance policy because you want protection if you get into a car crash or someone gets hurt while visiting your house. Insurance can protect you both from personal losses and from liability for the losses of others. Limiting your personal risk and...
There are many times when insurers offer low settlements or delay claims, but if you’re injured and waiting for a settlement offer, then you should pay close attention to the insurer’s actions (or inaction). If they delay your claim for an unreasonable amount of time,...
Your car was totaled in an accident, and, luckily, no one was injured. Now, you need to work with your insurance company to secure a settlement because you need a new set of wheels. Along the way, a surprising obstacle gets in your way. It is your insurance company....