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Posts tagged "Insurance Law"

When do you need to purchase home insurance?

You may think that home insurance is like auto insurance in that the law requires you to have it if you own a home. Though the confusion is understandable, this is actually not the case at all. If you are able to purchase your home outright without taking out a loan, there is no requirement for you to have insurance on your property. 

Insurance company responsibilities

People in Washington State often need to carry insurance for a variety of situations. Automobile insurance, renter's insurance and homeowner's insurance are common types of coverage purchased by individuals to protect their assets. Health insurance is another essential form of protection so that people have access to medical care when they need it. Life insurance policies, long-term care insurance plans and disability insurance plans all offer special assistance or benefits to people in the event of a difficult situation or a death. Professionals like doctors or dentists may carry liability insurance policies to protect them if they are accused of malpractice.

Underinsured motorist coverage

If you live in Washington State, you will know that the state requires you to have automobile insurance for any vehicle that you own. When you are looking for insurance coverage, you will learn that the state mandates minimum levels for the different types of insurance coverages. Some drivers opt to only purchase the minimum coverage levels and this can put you in a precarious position if you are hit by one of these drivers.

How does long-term disability differ from disability?

Bellevue residents like you who suffer from an issue that has left you disabled in the long-term may be wondering what you can insurance can do for you. How much compensation can it provide? How long will that compensation last? LePly Law Firm is here to answer these questions and more today.

What is high-risk insurance?

Automobile insurance is required for everyone who drives in Washington, but some people may find it difficult to get coverage, depending on many factors. You may have been told that you need high-risk insurance, which can be frustrating and expensive. You may also want to know what, exactly, high-risk insurance entails.

The basics of disability insurance

At the LePley Law Firm, we know that many people give little thought to the possibility of becoming disabled, especially when they are young and building their careers. However, as you may know, a life-changing accident or illness can occur without warning. A serious incident may affect your ability to earn a living. You and other Washington residents may be interested in learning about how disability insurance may protect you.

What to do after a homeowner’s insurance claim denial

Chances are, you pay a substantial amount to have homeowner’s insurance coverage for your Washington home, and you do so with the hope that you can fix issues fast in the event of an emergency. At the LePley Law Firm, we have found that many homeowners anticipate having something covered, only to receive denials in response to their claims, and we have helped many people facing these circumstances pursue solutions that meet their needs.

How does ERISA affect health benefits?

Judging from the name of the Employee Retirement Income Security Act, you may feel confused about what it has to do with the health benefits that you receive from your employer. It is true that ERISA provides protections to employees enrolled in retirement plans provided by employers in private industry, but it also provides protections for individuals enrolled in employer-provided health plans. 

Can you get disability benefits for chronic issues?

Bellevue residents like you have lost money in some way due to an injury or illness. In some cases, these physical issues may eventually heal or clear up, allowing you to return to the work you had been doing before. In others, however, your abilities are permanently altered. LePley Law Firm is here to help in cases where you no longer have the earning power you once did.