{"id":352574,"date":"2017-06-12T12:39:52","date_gmt":"2017-06-12T17:39:52","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/consumer\/insurance\/buying-insurance-overview.html"},"modified":"2024-01-22T15:47:12","modified_gmt":"2024-01-22T20:47:12","slug":"buying-insurance-overview","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/consumer\/insurance\/buying-insurance-overview.html","title":{"rendered":"Buying Insurance Overview"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">Buying Insurance Overview<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/oni-harton-j-d\/\">Oni Harton, J.D.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/melissa-bender-esq\/\">Melissa Bender, Esq.<\/a>\n                | Last updated\n        <time>\n                            January 22, 2024\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<p>Whether you&#8217;ve just started looking into buying insurance, or you own multiple policies already, you&#8217;ve probably noticed that there&#8217;s no shortage of insurance agents to sell you a policy. How, when, what type of policy, and where you can buy insurance varies depending on what&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/insurance\/types-of-insurance.html\">type of insurance<\/a>&nbsp;you seek.<\/p>\r\n<p>Read on to learn more about the first steps toward obtaining insurance coverage.<\/p>\r\n<h2>Buying Insurance: Initial Considerations<\/h2>\r\n<p>There are a few things to consider when purchasing an insurance policy. Of course, the first question is, &quot;What kind of insurance are you looking for?&quot; With any type of coverage, you&#8217;ll want to answer the following fundamental questions:<\/p>\r\n<ul>\r\n<li>What is the monthly premium?<\/li>\r\n<li>What does the policy cover?<\/li>\r\n<li>What is the amount of coverage?<\/li>\r\n<li>What are the policy limits?<\/li>\r\n<li>What are the policy exclusions?<\/li>\r\n<li>What period of time does the policy cover?<\/li>\r\n<\/ul>\r\n<p>There are many types of insurance. The particular type of policy dictates what is acceptable for a policyholder in any given situation.<\/p>\r\n<h3>Health Insurance<\/h3>\r\n<p>Regarding good health care, having health insurance is critical for most people. Shopping for health insurance depends on what&#8217;s available to you.<\/p>\r\n<p>For example, you can obtain a health plan through your employer. When this is the case, using government insurance exchanges or marketplaces is unnecessary.<\/p>\r\n<p>When your employer offers a health insurance plan, your employer pays a portion of the employees&#8217; insurance. This means marketplace coverage comes with higher premiums than an employer-sponsored policy. In such cases, you won&#8217;t need to shop at a state or federal marketplace.<\/p>\r\n<p>However, if your employer does not offer health insurance options, a&nbsp;<a href=\"https:\/\/www.healthcare.gov\/see-plans\/#\/\" target=\"_blank\" rel=\"noopener\">state or federal marketplace<\/a>&nbsp;may be the best option. The&nbsp;<a href=\"https:\/\/www.usa.gov\/health-insurance-marketplace\" target=\"_blank\" rel=\"noopener\">Affordable Care Act&#8217;s health insurance<\/a>&nbsp;program provides health coverage options.<\/p>\r\n<h3>Insurance for Homeowners and Renters<\/h3>\r\n<p>If you&#8217;re about to buy a house, you&#8217;ll need to consider several types of insurance, including the following:<\/p>\r\n<ul>\r\n<li><a href=\"https:\/\/www.findlaw.com\/consumer\/insurance\/title-insurance.html\">Title insurance<\/a><\/li>\r\n<li><a href=\"https:\/\/www.findlaw.com\/consumer\/insurance\/homeowners-insurance.html\">Homeowners insurance<\/a><\/li>\r\n<li><a href=\"https:\/\/www.findlaw.com\/consumer\/insurance\/flood-insurance.html\">Flood insurance<\/a>&nbsp;(depending on your location)<\/li>\r\n<\/ul>\r\n<p>Homeowners need to consider insurance to protect assets, but so do renters. If you&#8217;re a renter, there&#8217;s insurance designed for you. A renter&#8217;s insurance policy can cover property damage, including vandalism. You&#8217;ll need renter&#8217;s insurance because the landlord&#8217;s policy probably does not cover your personal property.<\/p>\r\n<h3>Auto Insurance<\/h3>\r\n<p>Concerning auto insurance, plenty of insurance brokers would be happy to sell you a car insurance policy. Drivers need liability coverage. Liability insurance covers damage or injuries to other people.<\/p>\r\n<p><a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/what-is-collision-insurance.html\">Collision insurance<\/a>&nbsp;covers damage to your car when you&#8217;re at fault for an accident. A policy does not include all types of coverage. It&#8217;s essential to examine your options closely.<\/p>\r\n<p>With car insurance, an insurance company bases your insurance rates on several factors. These factors can include your:<\/p>\r\n<ul>\r\n<li>Age<\/li>\r\n<li>Location<\/li>\r\n<li>Driving record<\/li>\r\n<li>Type of vehicle<\/li>\r\n<\/ul>\r\n<p>A licensed insurance agent can help you understand the fine print of an insurance policy.<\/p>\r\n<h3>Life Insurance Policies<\/h3>\r\n<p>In general, death benefits are&nbsp;more affordable when you&#8217;re younger. Life insurance companies consider your age and health, among other factors, before issuing a policy.<\/p>\r\n<p>Common types of life insurance policies include the following:<\/p>\r\n<ul>\r\n<li>Term life insurance<\/li>\r\n<li>Whole life insurance<\/li>\r\n<li>Variable life insurance<\/li>\r\n<\/ul>\r\n<p>You should consider purchasing a life insurance policy if you have dependents who rely on you for financial support. With life insurance, you name beneficiaries who will receive the proceeds from the policy.<\/p>\r\n<h2>When To Buy Insurance<\/h2>\r\n<p>You must buy insurance before the event that you&#8217;re insuring against happens. No company will sell you car insurance to cover an accident that has already occurred, so&nbsp;you should purchase&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/insurance\/automobile-insurance.html\">automobile insurance<\/a>&nbsp;when you buy a car.<\/p>\r\n<p>In fact, you&#8217;re required to purchase auto insurance. Home insurance is necessary when you purchase a home. Most lenders make this mandatory. You should buy business insurance if you run&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/insurance\/business-insurance.html\">your own business<\/a>.<\/p>\r\n<p>Some types of insurance have specific windows for purchasing a policy. The most notable kind is&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/insurance\/health-insurance.html\">health insurance<\/a>. Generally, you must obtain health insurance during&nbsp;<a href=\"https:\/\/www.healthcare.gov\/glossary\/open-enrollment-period\/\" target=\"_blank\" rel=\"noopener\">open enrollment periods<\/a>&nbsp;unless you qualify for a&nbsp;<a href=\"https:\/\/www.healthcare.gov\/coverage-outside-open-enrollment\/special-enrollment-period\/\" target=\"_blank\" rel=\"noopener\">special enrollment period<\/a>&nbsp;because of a significant life event, such as marriage or the birth of a child, or if you qualify for Medicaid or Medicare.<\/p>\r\n<h2>Where To Buy Insurance<\/h2>\r\n<p>When buying&nbsp;<a href=\"https:\/\/www.findlaw.com\/hirealawyer\/choosing-the-right-lawyer\/insurance-law.html\">insurance<\/a>, it&#8217;s important to research several companies to find the right fit and avoid trouble. You can ask friends and family for recommendations. Additional considerations include the following:<\/p>\r\n<ul>\r\n<li>Check the volume of consumer complaints lodged against the company with your&nbsp;<a href=\"http:\/\/www.iii.org\/services\/directory\/company-categories\/state-insurance-departments\" target=\"_blank\" rel=\"noopener\">state&#8217;s insurance department<\/a>.<\/li>\r\n<li>Evaluate the company&#8217;s financial stability. Review relevant reports compiled by organizations like Moody&#8217;s and Standard and Poor&#8217;s. You don&#8217;t want your insurance company to fold in 10 years just as you&#8217;re preparing to file a claim.<\/li>\r\n<li>Ensure the company is licensed in your state or the state to which you&#8217;re moving.<\/li>\r\n<li>Get quotes from multiple companies. Ask if they have any discounts. For example, you can often save money by purchasing multiple insurance policies from the same company. Also, signing up for a higher&nbsp;<a href=\"https:\/\/dictionary.findlaw.com\/definition\/deductible.html\" target=\"_blank\" rel=\"noopener\">deductible<\/a>&nbsp;usually translates to lower premiums.<\/li>\r\n<li>Some experts recommend using an agent or broker who represents multiple companies. This can boost your odds of getting the best deal and coverage for your situation.<\/li>\r\n<\/ul>\r\n<p>Finding the right insurance company can be difficult. It&#8217;s possible to end up with an agent or company that fails to abide by your state&#8217;s laws regarding:<\/p>\r\n<ul>\r\n<li>Marketing<\/li>\r\n<li>Underwriting<\/li>\r\n<li>Fraud<\/li>\r\n<\/ul>\r\n<p>If that&#8217;s the case, you may be able to file any of the following:<\/p>\r\n<ul>\r\n<li>A&nbsp;<a href=\"https:\/\/www.findlaw.com\/hirealawyer\/choosing-the-right-lawyer\/what-is-bad-faith-insurance-law.html\">bad faith lawsuit<\/a><\/li>\r\n<li>A&nbsp;<a href=\"https:\/\/www.findlaw.com\/smallbusiness\/business-contracts-forms\/breach-of-contract-and-lawsuits.html\">breach of contract<\/a>&nbsp;lawsuit<\/li>\r\n<li>A complaint with the&nbsp;<a href=\"http:\/\/www.naic.org\/state_web_map.htm\" target=\"_blank\" rel=\"noopener\">state insurance commissioner<\/a><\/li>\r\n<\/ul>\r\n<p>An attorney can explain your legal options.<\/p>\r\n<h2>Having Insurance Issues? Speak with an Experienced Attorney<\/h2>\r\n<p>Buying insurance involves research and careful consideration of your insurance needs. Once you have insurance, knowing what&#8217;s covered can be difficult. If your insurer denied your claim, or you&#8217;re dealing with an insurance company that engaged in misleading sales tactics or other misconduct, contact a&nbsp;<a href=\"https:\/\/lawyers.findlaw.com\/insurance-law\/-law?fli=dcta\" target=\"_blank\" rel=\"noopener\">local insurance attorney<\/a>&nbsp;who can help protect your rights.<\/p>\r\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-up\" clip-path=\"url(#clip0_604_3418)\">\n                        <path id=\"Vector\"\n                              d=\"M6 21H3C2.46957 21 1.96086 20.7893 1.58579 20.4142C1.21071 20.0391 1 19.5304 1 19V12C1 11.4696 1.21071 10.9609 1.58579 10.5858C1.96086 10.2107 2.46957 10 3 10H6M13 8V4C13 3.20435 12.6839 2.44129 12.1213 1.87868C11.5587 1.31607 10.7956 1 10 1L6 10V21H17.28C17.7623 21.0055 18.2304 20.8364 18.5979 20.524C18.9654 20.2116 19.2077 19.7769 19.28 19.3L20.66 10.3C20.7035 10.0134 20.6842 9.72068 20.6033 9.44225C20.5225 9.16382 20.3821 8.90629 20.1919 8.68751C20.0016 8.46873 19.7661 8.29393 19.5016 8.17522C19.2371 8.0565 18.9499 7.99672 18.66 8H13Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\"\n                              stroke-linejoin=\"round\"><\/path>\n                    <\/g>\n                    <defs>\n                        <clipPath id=\"clip0_604_3418\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"><\/rect>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"No\"\n                value=\"no\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">No<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-down\" clip-path=\"url(#clip0_604_3423)\">\n                        <path id=\"Vector\"\n                              d=\"M16 0.999995H18.67C19.236 0.989986 19.7859 1.18813 20.2154 1.55681C20.645 1.9255 20.9242 2.43905 21 3V10C20.9242 10.5609 20.645 11.0745 20.2154 11.4432C19.7859 11.8119 19.236 12.01 18.67 12H16M9.00003 14V18C9.00003 18.7956 9.3161 19.5587 9.87871 20.1213C10.4413 20.6839 11.2044 21 12 21L16 12V0.999995H4.72003C4.2377 0.994543 3.76965 1.16359 3.40212 1.47599C3.0346 1.78839 2.79235 2.22309 2.72003 2.7L1.34003 11.7C1.29652 11.9866 1.31586 12.2793 1.39669 12.5577C1.47753 12.8362 1.61793 13.0937 1.80817 13.3125C1.99842 13.5313 2.23395 13.7061 2.49846 13.8248C2.76297 13.9435 3.05012 14.0033 3.34003 14H9.00003Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                    <\/g>\n                    <defs>\n                        <clipPath id=\"clip0_604_3423\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"\/>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n    <\/div>\n    <span class=\"was-this-helpful__taken-action fl-text-sm-bold\"><\/span>\n    <div class=\"was-this-helpful__feedback-container\">\n        <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n            <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n        <\/div>\n        <form class=\"was-this-helpful__feedback-form\">\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--positive\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this helpful?<\/legend>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--understandable\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Easy to understand\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--understandable\"\n                        >Easy to understand<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--solved-problem\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Solved my problem\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--solved-problem\"\n                        >Solved my problem<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--negative\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this not helpful?<\/legend>\n                    <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n                        <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--missing-info\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Missing Information\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--missing-info\"\n                        >Missing the information I need<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--complicated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Too complicated\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--complicated\"\n                        >Too complicated \/ too many steps<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--dated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Out of date\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--dated\"\n                        >Out of date<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--negative-other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--negative-other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__form-buttons-container\">\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--positive at-feedback-submit fl-button secondary\"\n                    type=\"submit\"\n                >\n                    <span class=\"fl-button-content\">Submit<\/span>\n                    <i\n                        class=\"fa fa-angle-right medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--cancel fl-button primary disabled\"\n                    type=\"reset\"\n                >\n                    <span class=\"fl-button-content\">Cancel<\/span>\n                    <i\n                        class=\"fa fa-times-circle medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n            <\/div>\n        <\/form>\n    <\/div>\n    <div class=\"was-this-helpful__thank-you-message\" role=\"status\">\n        <i class=\"was-this-helpful__thank-you-message-icon fa fa-check\"><\/i>\n        <p class=\"was-this-helpful__thank-you-message-text\" aria-live=\"polite\"><\/p>\n    <\/div>\n<\/div>\n\n\n    <\/div>\n    \n    <div class=\"fl-section-sidebar\">\n        <div class=\"fl-editors-summary\" data-testid=\"fl-editors-summary\">\n    \n    <div class=\"fl-editors-summary-content\" data-testid=\"fl-editors-summary-content\">\n                    <h2>Can I Solve This on My Own or Do I Need an Attorney?<\/h2>\n                <div class=\"fl-editors-summary-content-main\" data-testid=\"fl-editors-summary-content-main\">\n            \n        <\/div>\n        <ul class=\"fl-list-style-none\">\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Consumer legal issues typically need an attorney&#8217;s support\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    You can hire an attorney to enforce your rights for safe products, fair transactions, and legal credit, banking and related financial matters\n\n                <\/li>\n                    <\/ul>\n                    <div class=\"fl-editors-summary-content-description\" data-testid=\"fl-editors-summary-content-description\">\n                <p>Legal cases for identity theft, scams, or the Equal Credit Opportunity Act can be complicated and slow. An attorney can offer tailored advice and help prevent common mistakes.<\/p>\n\n            <\/div>\n                            <div class=\"fl-editors-summary-content-link fl-flex\" data-testid=\"fl-editors-summary-content-link\">\n                <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                <p class=\"find-attorney\"><a href=\"https:\/\/lawyers.findlaw.com\/consumer-protection\/#USER_GEO\/?fli=esum:0803\" target=\"_blank\" rel=\"noopener\">Find a local attorney<\/a><\/p>\n\n            <\/div>\n            <\/div>\n<\/div>\n\n\n<div class=\"email-subscription fl-mb30\">\n    <div class=\"email-subscription-header\">\n        <div class=\"email-subscription-header-content\">\n            <h3 class=\"fl-callout-sm fl-no-margin\">Stay Up-to-Date With How the Law Affects Your Life<\/h3>\n        <\/div>\n        <div class=\"email-subscription-header-image fl-flex fl-items-end\">\n            <img decoding=\"async\"\n                src=\"https://www.findlaw.com/static/c/images\/images\/w_1200,c_limit,dpr_auto\/f_auto,q_auto:eco\/v1745902396\/ability-law\/wp-prod\/general-components-subscribe-module-Image-subscribeModule_1\/general-components-subscribe-module-Image-subscribeModule_1.png?_i=AA\"\n                alt=\"\"\n                loading=\"lazy\"\n            \/>\n        <\/div>\n    <\/div>\n\n    <div class=\"email-subscription-content fl-flex fl-flex-wrap\">\n        <div class=\"email-subscription-content-text fl-mb25\">\n            <h4 class=\"fl-no-margin\">Enter your email address to subscribe<\/h4>\n        <\/div>\n\n        <form class=\"email-subscription-content-form\">\n            <input type=\"hidden\" name=\"distributionList\" value=\"latl\" \/>\n            <label for=\"email-subscription-content-form-group-input\" class=\"fl-text-sm-bold\">Email (Required)<\/label>\n            <div class=\"email-subscription-content-form-group\">\n                <input id=\"email-subscription-content-form-group-input\" name=\"email\" autocomplete=\"email\"\/>\n                <button type=\"submit\" aria-label=\"Submit\">\n                    <i class=\"fa fa-angle-right\" aria-hidden=\"true\"><\/i>\n                <\/button>\n            <\/div>\n            <p class=\"email-subscription-content-form-success subscribe-success-message fl-text-sm-bold\" aria-hidden=\"true\" role=\"status\">Thank you for subscribing!<\/p>\n            <p class=\"email-subscription-content-form-error subscribe-error-message fl-text-sm-bold\" role=\"alert\" aria-hidden=\"true\"><\/p>\n\n            <div id=\"email-subscription-content-form-recaptcha\" class=\"email-subscription-content-form-recaptcha subscribe-recaptcha\"\n                data-sitekey=\"0x4AAAAAAABGBEkK9kEeKxO-\"><\/div>\n        <\/form>\n\n        <div class=\"email-subscription-content-footer fl-text-sm\">\n            <p><a href=\"https:\/\/newsletters.findlaw.com\/\" target=\"_blank\" rel=\"noopener\">Learn more about FindLaw\u2019s newsletters<\/a>, including our terms of use and privacy policy.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n<div class=\"general-list\">\n    <h3>Helpful Links<\/h3>\n    <ul class=\"fl-list fl-no-margin\">\n                                    <li class=\"fl-list-item fl-flex\">\n                    <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                    <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/consumer\/lemon-law.html\">\n                        Lemon Law\n                    <\/a>\n                <\/li>\n                                                <li class=\"fl-list-item fl-flex\">\n                    <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                    <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/consumer\/online-scams.html\">\n                        Online Scams\n                    <\/a>\n                <\/li>\n                                                <li class=\"fl-list-item fl-flex\">\n                    <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                    <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/consumer\/travel-rules-and-rights.html\">\n                        Rights to Travel\n                    <\/a>\n                <\/li>\n                        <\/ul>\n<\/div>\n\n    <div class=\"popularDirectory\">\n        <div class=\"general-popular-directory \">\n            <div class=\"general-popular-directory-title\">\n                <h3>Attorney Directory<\/h3>\n            <\/div>\n            <ul>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/insurance-law\/\" target=\"_blank\" rel=\"noopener\">Insurance Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/bad-faith-insurance\/\" target=\"_blank\" rel=\"noopener\">Bad Faith Insurance Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/insurance-defense\/\" target=\"_blank\" rel=\"noopener\">Insurance Defense Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/litigation-appeals\/\" target=\"_blank\" rel=\"noopener\">Litigation and Appeals Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/consumer-protection\/\" target=\"_blank\" rel=\"noopener\">Consumer Protection Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/personal-injury-plaintiff\/\" target=\"_blank\" rel=\"noopener\">Personal Injury Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/products-liability-law\/\" target=\"_blank\" rel=\"noopener\">Products Liability Lawyers<\/a><\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n\n\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Before you can buy insurance, you need to know what kind you require and the best way to acquire it. Learn about business insurance, auto insurance, premiums, deductibles, and much more at FindLaw.com.<\/p>\n","protected":false},"author":41135,"featured_media":0,"parent":352567,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"app\/Http\/Controllers\/Templates\/ArticleWithBreadcrumbsController.php","meta":{"_acf_changed":false,"_stopmodifiedupdate":true,"_modified_date":"","_autodraft_ids":[],"_cloudinary_featured_overwrite":false,"_sb_is_suggestion_mode":false,"_sb_show_suggestion_boards":false,"_sb_show_comment_boards":false,"_sb_suggestion_history":"","_sb_update_block_changes":"","_is_real_time_mode":false,"_realtime_collaborators":"","footnotes":"","cf_checklist_status":[]},"categories":[2732],"tags":[],"state_laws_tags":[],"flmsa":[],"class_list":["post-352574","page","type-page","status-publish","hentry","category-consumer"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/352574","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/users\/41135"}],"replies":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/comments?post=352574"}],"version-history":[{"count":0,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/352574\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/352567"}],"wp:attachment":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/media?parent=352574"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/categories?post=352574"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/tags?post=352574"},{"taxonomy":"state_laws_tags","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/state_laws_tags?post=352574"},{"taxonomy":"flmsa","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/flmsa?post=352574"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}