Between Obamacare and workers' compensation, auto and home policies, and even whether you want coverage on that box you're mailing, our lives are constantly surrounded by insurance policies. If something is valuable and its damage or loss would cause you harm, it can be insured. But despite the myriad policies and plans, most people are in the dark when it comes to the basics of insurance coverage and the law that applies to insurance claims.
Lucky for you, FindLaw is here to help. Our Learn About the Law section just unveiled dozens of insurance-specific articles to give you all the information you need about what can be covered by an insurance policy, what those policies can contain, buying and selling insurance policies, and how to make a claim if something goes wrong. Here's a look.
Insurance is a way to protect against losses, whether that loss be a car, jewelry in a home burglary, or the cost of medical care. This section can give you the nuts and bolts of what can be insured and insurance regulations and law. If you're wondering who decides whether to pay on an insurance claim or what the heck a deductible is, you can find out here.
Now that you've decided you need insurance, how do you find the right plan? Deciding how much coverage you need — and finding it for the right price — can be a challenge. And what about if you're on the other side of the table, selling insurance? What kind of laws and regulations apply to insurance sales and salespeople?
There are few industries in which the fine print is so essential. Deciphering exactly what is covered under an insurance policy, the amount of coverage, and the claims process can seem impossible. And while almost all policies have a few similar elements to them — exclusions, conditions, riders, etc. — not all insurance coverage is the same.
The best case scenario is that you never need to make an insurance claim. But few of us are that lucky. While some claims seem automatic, like filling a prescription, other claims can be lengthy, complicated processes. And what can you do if a claim is denied?
For all of your coverage, policy, and claim questions, head over to FindLaw's Insurance section today.
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