Insurance can be a lifesaver in times of unexpected events, but have you ever heard of insurance subrogation? It is important to grasp, as it can affect your insurance claims. It may sound complex, but it is quite straightforward. Imagine you are in a car accident,...
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Insurance Law
Do I need property insurance for my dropshipping business?
Running an online business may not require a physical storefront, but you still need a place to operate from, be it a rented office or a designated space in your home. In either case, commercial property insurance is a must-have coverage. However, the case may differ...
Washington state insurance commissioner adopts rule requiring transparency in rate increases
Insurance rate increases are challenging enough to deal with. But not knowing exactly why your rates are rising is even more frustrating. Fortunately, Washington state’s insurance commissioner recently enacted new rules to help policyholders understand the logic...
Understanding 4 different types of insurance
Most Washington residents know about life, auto, and homeowners’ insurance. However, other lesser-known types of insurance provide an added layer of financial protection. It is also possible to purchase long-term disability insurance, natural disaster insurance,...
What are your insurance claim settlement rights in Washington?
Washington has laws in place to protect insurance policy holders from unfair insurance claim settlement practices. The law defines what counts as unfair treatment and sets guidelines for communications and processing claims. You may want to document all interactions...
Understanding how insurance subrogation works
You may have heard the word "subrogation" if you have recently had property damage or an accident and have spoken to your insurance company. While this legal term is intimidating to some Washington residents, understanding the concept can help you look out for your...
Understanding reinsurance, its purposes, and its benefits
For residents of Washington, insurance policies are designed to transfer the risks they might face from unanticipated events. When a natural disaster occurs, many claims might be filed with a single insurance company. For example, a large fire or earthquake could lead...
Washington’s rules about insurance misrepresentation
Washington residents may take out a variety of insurance policies, including renter's, homeowner's, auto, and commercial liability. Washington state law established rules that an insurance company must follow when selling a policy and assuming a client's risk....
What you need to know about subrogation
One of the most effective ways to exit a legal battle in Washington is to have access to the process of subrogation. This is a legal action that occurs when an insurer exercises their right to take your place. The usual reason for doing so will be to have a better...