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By some estimates, there are around 6 million car accidents every year, injuring some 3 million Americans. Many of those accidents are simple fender benders, and most are covered by insurance. But some can involve serious injuries, and insurance doesn't always compensate you for all the costs.

So, you might be considering filing an injury lawsuit, and you'll definitely need to tell your insurance company about the accident. But when is it too late to do either of those things?

When to Get a Lawyer for Hurricane Damage

With hurricane season upon us, odds are at least one hurricane will cause massive damage. Insurance policies may, or may not, cover these costs. If the stakes are high, you don't want to risk finding out what is covered, or more painfully, what isn't covered, until it's too late.

To minimize your exposure, consider hiring a lawyer to help guide you through this process. It may be less expensive than you think!

Patients With Passports: Is Medical Tourism Legal?

The health care industry is in a state of flux, and not just over the Affordable Care Act. Medical tourism, when patients travel to foreign countries for medical care, is a burgeoning trend. In 2014, 1.4 million Americans embarked on medical tourism, and that figure is expected to climb.

Some travel abroad to get procedures that have not been FDA approved here in the U.S., such as stem cell therapy and assisted suicide. But medical tourism is not just for the rich and risky. It is now the option of choice for lower income and under-insured patients that can only afford a $12,000 Thai heart bypass instead of a $210,000 one here in the U.S.

The largest U.S. health insurance companies will now cover medical tourism costs, including healthcare and travel fees for patients and companions. Anthem Blue Cross, BlueShield, UnitedHealth Group, WellPoint, Humana, and a host of others will cover these costs for customers. Should you go for your next procedure?

It seems like there's not a corner of our daily lives that some kind of insurance policy doesn't creep into. When we wake up in the morning, our homeowner's insurance covers fire and (possibly) flood damage. On our commute to work we might be protected by our auto insurance or a municipality's policy if we're on public transit. Most often, we get our health insurance from our jobs, and if we're hurt on the job, workers' compensation might cover medical bills or lost wages. Having people over for dinner that night? That same homeowner's policy might cover a guest's slip and fall accident on your property.

Needless to say, there's no end to the number and type of insurance claims you might need to make, but is there a deadline to file an insurance claim? Here's a look:

It may seem odd: you just gave birth to your child, you're just getting settled at home, and maybe finally going through some mail that piled up, and you see a letter addressed to your new baby. And it's not just any letter -- it's a bill from the hospital, for vaccinations, "newborn nursery," or even out-of-network services.

So why might your baby get billed for its birth, how do you plan for it, and are you responsible for paying the bill?

Can I Self-Insure My Car?

The purpose of insurance to guard against loss or damage. For example, health insurance is there to help you pay for medical costs that would otherwise be too expensive for most people. Insurance can also specifically protect someone other than the person who is insured.

A good example of this is life insurance, which would provide money to named beneficiaries in the event that the person who's insured dies. Some insurance is required by law, while others are simply an option. One type of insurance that states usually require their drivers to have is car insurance.

After three failed attempts by Congress to repeal Obamacare, President Donald Trump took matters into his own hands last week, signing an executive order reshaping how people get insurance through work and threatening to end federal subsidies to insurance companies under the Affordable Care Act.

"I just keep hearing repeal-replace, repeal-replace," Trump said while signing the order. "Well, we're starting that process." So what does the executive order do, and what could ending subsidies mean for your health coverage?

As fires in Sonoma County, California rage on, the first concern is safety: getting residents out of harm's way and getting injured residents necessary medical treatment. And when the flames are out, people will turn to rebuilding and compensation for property lost to the fires.

Most residential and commercial property owners will turn first to their insurance policies, fingers crossed that they cover fire damage and natural disasters. If you're filing an insurance claim after a fire -- or wondering if your policy covers fire damage -- here's what you need to know:

Between Obamacare and workers' compensation, auto and home policies, and even whether you want coverage on that box you're mailing, our lives are constantly surrounded by insurance policies. If something is valuable and its damage or loss would cause you harm, it can be insured. But despite the myriad policies and plans, most people are in the dark when it comes to the basics of insurance coverage and the law that applies to insurance claims.

Lucky for you, FindLaw is here to help. Our Learn About the Law section just unveiled dozens of insurance-specific articles to give you all the information you need about what can be covered by an insurance policy, what those policies can contain, buying and selling insurance policies, and how to make a claim if something goes wrong. Here's a look.

On the Road: 3 Cheapest and Most Expensive States to Drive

The open road is a part of the national imagination. We love cars in the US, fetishizing them in our books, films, and music. People here start driving early, and the lucky ones go on lots of road trips, listening to songs about cars the whole way, of course.

But the cost of ownership varies widely from state to state, according to a new study by finance site GoBankRate. The study examined costs associated with car ownership beyond the purchase of a vehicle, that is, putting aside sticker price, and compared these nationwide. Let's see which states are most and least expensive.