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It's almost a fact of life. You get in an accident, and your car insurance company raises your rates.

Some companies lure customers by promising not to raise rates after a first car crash. Some companies don't raise rates after an accident that was not your fault. But, many companies raise your rates dramatically after an accident or insurance claim.

It seems unfair. Are there legal limits on how much a car insurance company can raise your rates?

Top Disability Insurance Legal Questions From FindLaw Answers

You've got questions; we've got answers. If you have not yet asked or answered a question in FindLaw's Answers community, what are you waiting for? This amazing free resource supports a dynamic community of legal consumers and attorneys helping each other out. Simple as that.

We see a lot of great questions in our Answers community every day. Here's a look at some recent questions relating to disability insurance from our FindLaw Answers boards:

Another year has gone by, and with it, many news laws were passed that will now (or will soon be) effective in 2015.

New recreational pot laws will go into effect this year, minimum wages will increase across the country, and even some undocumented workers will have a chance to get legal driver's licenses. Then of course, there's the portion of the Obamacare mandate that applies to employers.

Check out some of the notable new laws taking effect in 2015:

How to Get an Obamacare Deadline Extension

An Obamacare deadline extension is coming to the rescue of Americans who say they won't be able to enroll in health plans via the federal insurance marketplace by the March 31 deadline.

The extension, announced Tuesday, is an attempt to prepare for a last-minute surge of people trying to sign up before the deadline. That sudden spike could leave some people unable to get through the system.

Here's what you need to know about who's eligible for an Obamacare deadline extension and how to claim it:

What Is Michigan's 'Rape Insurance' Law?

Michigan lawmakers passed a controversial bill on Wednesday that will ban insurance plans in the state from covering abortion unless the woman's life is in danger. The law, dubbed "rape insurance" legislation, will require residents who want health insurance coverage for abortions to purchase an extra policy, even in cases of rape and incest.

Because of the way the legislation was introduced, it is set to become law despite the objections of both the state's Democratic minority and the veto of the Republican governor.

After a Tornado, 10 Tips for Insurance Claims

After more than 80 tornadoes ravaged the Midwest and killed eight people on Sunday, homeowners will soon file insurance claims to begin the long process of piecing their lives back together.

Illinois seems to have been hit the hardest, with six storm-related fatalities, the Chicago Tribune reports. At least two EF-4 tornadoes, the second-strongest category, touched down in the central and southern parts of the state.

As tornado victims deal with their devastating losses, here are 10 tips to keep in mind when filing insurance claims for storm-related damages:

Canceled Health Plans Revived in Obamacare Fix

Canceled health plans may now be revived under the most recent Obamacare fix. President Barack Obama announced today that health insurance companies may allow individuals with canceled plans to renew them for a year, The Huffington Post reports.

These plans were being canceled because they didn't meet the Affordable Care Act's minimum requirements. This meant possibly tens of millions of folks would've had to scramble to get new insurance coverage; President Obama even apologized for breaking his assurance that Americans would be able to keep their insurance plans, reports.

If you've received a cancellation letter from your insurance company, what does today's announcement mean for you?

Are you exempt from Obamacare's individual mandate?

The Patient Protection and Affordable Care Act, commonly referred to as Obamacare, generally requires individuals to maintain a minimum level of health insurance beginning January 1, 2014. Most of those who choose not to meet the law's requirements will have to pay a penalty.

But among the Affordable Care Act's many nuances are explicit exemptions for certain groups of people who do not have to abide by Obamacare's provisions. So who exactly is exempt from Obamacare's mandate?

What Is a Health Insurance Exchange?

What is a health insurance exchange? The Patient Protection and Affordable Care Act's Health Insurance Marketplaces, or Exchanges, are designed to provide an affordable alternative to buying coverage directly from individual health insurers. The exchanges will be open for business beginning October 1, allowing consumers to shop for health plans.

So what do consumers need to know about these new Marketplaces? Here are a few common questions about Obamacare's Health Insurance Exchanges and, more importantly, answers to those questions:

Filing a Homeowners Insurance Claim without Losing Your Policy

The whole point of paying those homeowners insurance premiums is so that if something goes wrong you can file a claim and have the damage covered. But it's not always that simple.

In an ideal world your insurance company would always be willing to pay for any damage that occurs. But in reality you may have to deal with some push-back over what the insurance company is willing to cover.

Knowing what your insurance policy covers, be it flooding, wind damage, fire, earthquakes, or all of the above, is the first step. But there are some other tactics that make it more likely the damage will be covered.