If your major medical coverage ends because your employment ends , or as a result of your hours are decreased, you and your certified dependents can maintain protection underneath the employer’s medical health insurance for up to 18 months by paying for the full cost of the coverage. If you are the policyholder and had been sued for an accident that occurred in your property, then your insurance coverage firm has the responsibility to defend you. The California Department of Insurance operates a statewide toll-free consumer hotline at HELP , which supplies callers with instant entry to current data on insurance coverage issues. The hotline is staffed by educated insurance professionals who can reply questions, give path and provide help to consumers who are experiencing insurance coverage-related issues or issues. By calling the hotline, a client or their insurance coverage lawyer can ask questions on insurance claims and underwriting practices in addition to examine the license standing of his/her insurance coverage company, agent or broker.
Surgical Expense Insurance Coverage
We may even take a look at life insurance coverage of suicide and the standard provisions and state laws that govern such. Module two seems at numerous insurance protection issues and goes through a litany of circumstances that debate the applications of these rules. The guidelines we’ll focus on include waiver, estoppel and the parol proof rule, three contract legislation doctrines that impact insurance contracts. We’ll also take a look at the affordable expectations doctrine, which has been utilized by courts … Read More