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Twin Cities Insurance Law Blog

The fine print in life insurance policies could deny your claim

When a loved one spent years paying on a life insurance policy, you expected to receive the proceeds upon his or her death. When he or she eventually passed away, you made a claim for the proceeds, but the insurance company denied it.

What happened? You know that your loved one paid the premiums on time, and your loved one never received notice that the policy was canceled or otherwise invalid in some way.

No playing around when it comes to child toy safety

As a Minnesota parent, you may be like many others who keep tabs on the latest toy trends, so you know what your children might like, especially if an occasion arises where it's customary to give them gifts. The problem is that, just because a particular item is at the top of the popular gadget or gift item charts, this doesn't mean it's safe to use. Sadly, tragedies strike many households every year when children suffer serious injuries (even death) because of defective toy products.

As a parent, it's your job to keep your children as safe as possible; however, that may be nearly impossible if you're unaware that a particular toy is defective. If, on the other hand, the manufacturer, distributor or any other party within the sales and distribution chain is aware of the defect and still allowed the toy to reach the hands of consumers, you may be able to seek full recovery for your losses if your child suffers injury when using said item.

Identifying and protecting your company's trade secrets

Have you found the secret to success for your business? Do you have a leg up on the competition that could devastate your business if you lose control of certain information? If you answer yes to these questions, then you probably have trade secrets.

Keeping your business healthy and profitable requires taking steps to keep your trade secrets, well, secret. Since this type of information generally isn't eligible for the same protections as, say, patents, you need to protect your trade secrets from within your company. The challenge may be figuring out just how to do that.

Is your medication a prescription for danger?

When a Minnesota doctor prescribes you a drug, you likely assume that it is safe to use and will treat your condition or help you manage your symptoms. Unfortunately, some drugs not only fail to work as intended, they can actually cause harm to the person taking it. If you are taking or were taking a drug that caused you harm or made your condition worse, you may have the right to take action.

Even prescription medications can be dangerous. Sometimes this is because a doctor prescribes the wrong medication, but other times, this happens because the drug itself is dangerous. Unfortunately, some of these risks and dangers do not come to light until after the drug is in widespread use. 

What do those definitions in your insurance policy mean?

Have you ever read any of your insurance policies word for word? Have you taken the time to look beyond the summary of your coverage? If you do, you may find a section containing definitions of certain words in your policy.

You may think you know what those words mean, but these definitions often go beyond what you learned from a dictionary or in school. Don't risk receiving a denial to a claim because you didn't know what a word in your policy meant.

Evaluating whether you have a products liability claim

When you purchase products, regardless of whether they are for your personal or professional use, you expect that they will operate as intended and not cause you any harm. In some cases, a product may not live up to your expectations.

You may suffer serious injuries because of the defective product, which causes you to incur substantial monetary losses. You may wonder whether you can file a products liability claim seeking compensation for those losses and other damages. One of four primary legal avenues could help you to determine if you have a claim.

When your pockets are as empty as a for-profit college's promises

Promises of a better life through higher education -- this is what your for-profit college sold you when you applied. The school's representatives may have promised you a job in your field upon graduation. The school told you that its classes provide you with the skills employers look for in applicants.

Upon completing your degree program, you couldn't find a job in your field. In order to pay the bills, you took whatever employment you could find, but it's not enough to get by. You may have taken out student loans to pay for this education, which just makes matters worse. Do you wonder whether you have legal recourse against the school?

When disaster strikes: Business interruption insurance

As you start your Minnesota small business, you probably wonder what types of insurance policies you will need to protect yourself and your company. You may know that you need basic insurance to cover property, injuries and workers' compensation, but you may also find business interruption insurance helpful.

Several unforeseen events could cause you to have to close your business at least temporarily. Fires, tornadoes and hurricanes are just some of these events. Research shows that somewhere in the neighborhood of 25 percent of businesses forced to close their doors due to some calamity never reopen due to significant financial losses. That doesn't have to happen to you.

Victims of defective medical products may seek compensation

Millions of Americans depend on medical devices to improve their quality of life. What happens, though, if a medical product has the reverse effect? Sadly, numerous individuals in Minnesota and elsewhere have suffered injuries or even death due to the use of defective medical products. Have you suffered injuries or lost a loved one to such an issue?

If you believe you or a loved one have fallen victim to a defective medical product, you may have the right to pursue a liability claim against those responsible for your losses. Before taking such a step, here are some things you need to know.

Can a smart device help me with my insurance claim?

As technology changes, so does the insurance industry. Getting help after an unfortunate situation is now available at the touch of a button on a smart phone. Some people are leery of the personal data that smart phones and apps tend to collect about users, but this could actually be a benefit if an insurance company acts in bad faith.

Since the birth of the iPhone in 2007, smart phones have become an essential part of our daily lives, but our phones aren't the only things becoming smarter. Smart home devices like Google Home and the Amazon Echo can manage the use of lights, ovens, heating and cooling systems and even water heaters.