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Questions and answers about Insurance Law
What is the difference between a broker and an insurer if something goes wrong? 1 answer
1 answerI bought my business insurance through a broker who said I was fully covered. When I made a claim, the insurer said the risk was excluded. Who is responsible, the broker or the insurer, and can I claim against either?
Where can I complain if I am unhappy with how my insurer handled my claim? 1 answer
1 answerI have been unhappy with the way my insurer has communicated with me and handled my claim, and its final response was unsatisfactory. I do not know whether there is an independent body I can go to or whether I have to sue.
A flood damaged my business, does business interruption insurance help? 1 answer
1 answerA flood forced my shop to close for several weeks. My property is repaired, but the loss of income was significant. My insurer says that business interruption is not covered unless the damage was to my own premises. How does this work?
An insurer denied my income protection claim because I could still do some work 1 answer
1 answerI have a back condition and my income protection insurer says I am able to do some kind of work, so they stopped my benefit. My doctor says I am unfit for my normal job. How do insurers decide this? Nobody has given me a straight answer and I want to understand where I actually stand.
My car was damaged in a crash and I was over the legal alcohol limit. The insurer says that it will not pay any of the repair costs or the other driver’s damage. Is that lawful, and is there anything I can claim?
The other driver’s insurer contacted me directly, should I talk to them? 1 answer
1 answerAfter a collision that I think was partly the other driver’s fault, their insurer has called me asking for a statement and suggesting I sign a form. I have not spoken to my own insurer yet. What should I do?
We made a claim more than six months ago and the insurer keeps asking for more documents and telling us that it is still being assessed. We are living in temporary accommodation and paying our own costs. What can we do about the delay?
My car was written off and the insurer’s offer is much lower than expected 1 answer
1 answerAfter an accident, my car was declared a total loss, and the insurer offered a payout that is thousands of dollars less than I think the car was worth. I did not agree to any value at the start. How is the value decided and can I dispute it?
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