AI and Algorithmic Underwriting: Legal and Ethical Risks Under U.S. Law
Introduction: When Algorithms Decide Who Gets Coverage Artificial Intelligence (AI) is transforming how insurance companies…
Insurance
Insurance
Regulating Insurance Pricing in the U.S.: Fairness, Discrimination, and Consumer Protection Laws
Insurance pricing is one of the most tightly regulated aspects of the American financial system.…
Insurance
Duty to Settle: When an Insurer Must Protect You from Excess Judgments
Understanding the Duty to Settle in Good Faith When you buy insurance—especially auto liability insurance—you…
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Legal Liability of Insurance Brokers and Agents in the U.S.: When Can They Be Sued for Negligence or Misrepresentation?
Introduction In the complex world of insurance, many Americans rely on brokers and agents to…
Insurance
How to File a Complaint Against an Insurance Company in the U.S. (Step-by-Step State Guide)
Introduction: When Your Insurance Company Crosses the Line You pay your insurance premiums faithfully —…
Insurance
Your Rights Under U.S. State Insurance Laws and the NAIC Model Regulations
Understanding How State Insurance Laws Protect You Insurance in the United States isn’t governed by…
Insurance
Case Study: When U.S. Courts Found Insurers Liable for Unreasonable Claim Denials
Understanding “Bad Faith” in Insurance Law In the U.S., every insurance contract carries an implied…
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Bad Faith Insurance in the U.S.: Legal Meaning, Examples, and How to File a Claim
Introduction: When Your Insurer Crosses the Line Insurance is supposed to be a safety net—not…
Insurance
Top 5 Exclusion Clauses Americans Commonly Miss in Life, Health, and Auto Policies
Introduction: The Fine Print That Costs Thousands Most Americans assume that once they buy life,…
Insurance
What to Do When Your Insurer Issues a Reservation of Rights Letter (U.S. Policyholder Guide)
When you file an insurance claim—whether it’s for property damage, a liability lawsuit, or business…