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Twin Cities Insurance Law Blog

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.

Four reasons your life insurance claim may be denied

In preparation for your death and the toll it will take on your family or other beneficiaries, it is common to seek life insurance coverage, either personally or through an employer. However, it is not unusual for many insurers to dispute claims for several reasons, and some companies actively seek out those reasons to avoid paying the benefit.

The 10 most common and most costly business insurance claims

When small businesses obtain an insurance policy, they hope never to have to think about it again. Unfortunately, claims occur more frequently than many business owners expect. According to a study by The Hartford, a financial services company, 40 percent of small businesses will incur a property or liability loss in the next 10 years.

If they might not be unavoidable, what kind of insurance claims can business expect? What are the most common types of claims? And what are the most costly? The Hartford attempted to answer these questions by examining claims data for more than one million small-business insurance policies from 2010 to 2014.

Will 2017 be the year of trade secret litigation?

Last year, the Defend Trade Secrets Act was put into place by Congress. The law provides companies with a bevy of new legal tools and remedies to address issues relating to trade secret theft and litigation. While this may help a number of companies out there, it will almost certainly lead to an increase in the number of lawsuits relating to trade secrets in 2017, and possibly beyond.

Trade secrets are incredibly important pieces of information that any business will want to protect as vigorously as possible. Given their inherent value, it is equally invigorating for other companies to know those trade secrets. These bits of information inherently derive their value from the fact that few people actually know them.