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== Client problems==
￼Client is being offered, or asked to buy, some form of insurance as part of a credit transaction.
* Client thinks they have a claim on an insurance policy with a creditor, but the creditor is refusing to pay.
== Summary of the law==
The principles of insurance law are beyond the scope of this publication. However, there are a few instances where advocates may encounter insurance issues related to consumer transactions, particularly insurance for consumer loans or mortgages.
The second instance is when the consumer is attempting to make a claim on the credit insurance, and the insurer is resisting payment. While claims on insurance policies involving the death of an insured person are usually straightforward once proof of the death has been shown, claims on insurance policies because of alleged disabilities or, for example, unemployment, may be more problematic. Often, the terms of the contract are written relatively restrictively. If advocates encounter such a problem, it will probably be necessary to involve a lawyer.
See the other sections on borrowing money:
* [[Types of Lenders and Creditors]]
* [[Co-signing, Guarantees and Joint Debts]]