You got into a car accident while driving your wife’s car and now your insurance company refuses to pay your claim, despite the fact that your agent has given you the assurance that you would be covered in each other's cars.

Actually, in many states, if you and your wife use the same address, it is required to have you both covered under each other's policies, that means regardless of who drives which car. If you are insurance firm refuses to entertain your claim, get all your documents that have something to do with your insurance policies ready.

Try to recall your agent’s words when you asked him about getting coverage to drive your wife’s car, then put everything in writing. If you can find someone else who has been there when you and your agent talked about this, ask him or her to write everything he or she can recall of the conversation.

Then, explain to your insurance company what your agent told you. If they still refuse to give you your claim, tell them that you will bring the matter to an auto insurance lawyer.

It’s always a good thing to search the internet for car insurance. Here you’ll be able to compare quotes from the different firms, thus helping you decide on the one where you can save the most money.

Insurance Law is the name given to the practices of law surrounding insurance, including insurance policies and claims. It can be broadly broken into two categories - regulation of the business of insurance and regulation of claim handling.

Workers' Compensation laws are designed to ensure that employees who are injured or disabled on the job are provided with fixed monetary awards, thus eliminating the need for litigation. However, it happens often that this form of compensation does not work or is not fair to the workers because some companies will try to keep from paying workers compensation disability. The only option that the employee has is to hire a lawyer which can pose big problems because he or she cannot afford to pay for legal fees. There are some states that have lawyers who work on a contingency basis to get their clients compensation claim approved.

Under the Insurance Law on workers’ compensation benefits it is required of the employer to reinstate the workers to a lighter job if the physician has signed a “fit to work” order but the wage is not the same before the injury; the worker’s compensation should be able to supplement the wages. Most often this does not work because the employer could not find a suitable job for the workers and will not allow them to collect partial workers compensation benefits.

There is a provision in the Insurance Law requiring employers to provide compensation medical care for employees who are injured in the course of their employment, in exchange for mandatory relinquishment of the employee's right to sue his or her employer for negligence. The mandate includes ensuring that reasonable standards are maintained for the protection of the health and safety of workers, and the occupational environment in which they work.

The workers should tell their supervisors as soon as the accident or injuries occur to prevent any problems with filing the correct report with the company and to keep the company from denying the workers’ compensation because it was submitted on time.

Some employers purchase insurance or become a state-certified self-insurer to ensure that they meet their workers’ compensation obligation. Employers who decide not to purchase workers compensation insurance or to self-insure remain exposed to civil lawsuits brought by employees who are injured during work.

Insurance Law on worker’s compensation is designed to protect injured workers on the job. The workers’ compensation benefit covers financial expenses such as medical bills, percentage of wages the injured person earned prior to the accident, and, interestingly, compensation for suffering and pain.

Aside from the financial expenses being covered, the injured employee may receive temporary total disability payments of up to 2/3 of his or her average weekly wage after missing three days of work. If the employee is off work more than 14 days, the employee then is paid for the first three days of work missed. Additional payments are required if the employee has a permanent impairment or cannot return to work. If the injury results to death, benefits are paid to the employee's survivor dependents.