Jack Gilbert

Insurance Insurance Coverage Insurance Terms and Definitions

What is an insurance deductible?

March 26, 2026

An insurance deductible is the dollar amount you must pay out of pocket before your insurer pays for covered losses or services. Once you meet...

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Coverage and Claims Insurance Claims Insurance Coverage

What is a public adjuster?

March 26, 2026

A public adjuster is a state-licensed professional who represents the policyholder—not the insurer—during an insurance claim. They inspect and document damage, interpret your policy, and...

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Coverage and Claims Insurance Claims Insurance Coverage

What is denial of insurance claim?

March 26, 2026

A denial of an insurance claim occurs when an insurer decides to pay $0 on all or part of a claim under your policy. Denials...

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Insurance Insurance Coverage Insurance Policies

What is an umbrella policy?

March 26, 2026

An umbrella policy is extra liability insurance that typically adds $1 million or more in coverage after your home, auto, or boat policy limits are...

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Auto Insurance Auto Insurance Coverage Insurance Coverage

What is underinsured motorist coverage?

March 26, 2026

Underinsured motorist coverage (UIM) pays the difference when the at‑fault driver’s liability insurance limits don’t fully cover your damages. It can help cover medical bills,...

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Coverage and Claims Insurance Claims Insurance Coverage

What is a coverage dispute?

March 26, 2026

A coverage dispute is a disagreement between a policyholder and an insurer about whether a claim is covered under the policy. It usually happens after...

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Insurance and Subrogation Insurance Claims Insurance Law

What is subrogation?

March 26, 2026

Subrogation is when your insurance company takes over your right to recover money from the at-fault party after it pays your claim. It helps insurers...

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Insurance Coverage Insurance Fundamentals Insurance Policies Insurance Terms and Definitions

What is an insurance policy exclusion?

March 26, 2026

An insurance policy exclusion is a written provision that removes coverage for certain risks, losses, or circumstances, meaning the insurer pays $0 for excluded claims....

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Contract Law Digital Agreements Legal Agreements & Contracts

What is a terms of service agreement?

March 26, 2026

A terms of service agreement is a legally binding contract that sets the rules, rights, and responsibilities for using a website, app, or online service....

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Insurance and Coverage Insurance Claims Insurance Law

What is insurance bad faith?

March 26, 2026

Insurance bad faith is when an insurer unreasonably delays, denies, or underpays a valid claim, or fails to properly investigate and communicate. It can include...

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Insurance & Claims Insurance Claims Insurance Claims Process

What is an insurance claim?

March 26, 2026

An insurance claim is a formal request to your insurer for payment or services under your policy after a covered loss. You file it by...

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Defamation Law Digital Rights & Free Speech Internet Law

What is online defamation?

March 26, 2026

Online defamation is a false statement of fact posted on the internet that harms someone’s reputation and may create legal liability under libel laws. Unlike...

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