Insurance transfers and allocates risks from the person taking the policy or "the insured" to the insurance company or "insurer." An insurance policy is a special agreement between the insurer and the insured. To be enforceable, the insurance policy must meet all of the usual requirements of a contract and, in addition, the insured must have an "insurable interest" in the subject matter being insured, such as property, life, and health. Businesses usually carry basic property insurance and commercial liability policies. But they may also carry fidelity insurance, business interruption insurance, and directors and officer's liability insurance. Please read on to find an insurance attorney, insurance lawyer, or to learn more about insurance law.

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Ask a Lawyer - Insurance Law questions answered by leading lawyers Is An Insurer Entitled To A "Totaled" Vehicle? My minivan was considered totaled by my insurance company after a traffic accident. The minivan was also considered totaled by other driver's insurance company. Can the other driver's insurance company take my vehicle without my authorization or without notifying me? Am I Able To Sue My Car Insurance Company For Discrimination? Am I able to sue my car insurance company for sexist behavior? I am referring to the rates of insurance for teenage boys as opposed to those of teenage girls. The rate for teenage boys is significatly higher than that for teenage girls. When Is An Insurance Policy Considered Cancelled? If someone cancelled a life insurance policy, but died before the notice reached the main office would the policy be considered cancelled? Would the rider of this account (the executor) have any legal right to the money? Am I Able To Use A Different Address When Obtaining Auto Insurance? Can one use a relative's address in another city when obtaining auto insurance? Do I Have A Case Against The Car Dealer's Insurance Company? A dealer loaner car parked under our carport caught fire, exploded and burned our house down. The car dealer's liability insurance company has accepted responsibility. We are underinsured on our homeowner's policy. The car dealer's insurance company is refusing to compensate us for the replacement value of our loss and our homeowner's policy doesn't cover everything. Do we have a case against the dealer's insurance company with regard to rebuilding our home to its former condition and replacing our personal property that was destroyed? Also, I lost three beloved pets in the incident and am heartbroken. Due to the loss of my home and the loss of my pets I am suffering from a tremendous amount of stress and anxiety. Is it too much to ask that my possessions and home be replaced and that a donation be made to a local animal shelter in the memory of my pets?