questions,labels,answers
"I’m a rideshare driver. Does my personal auto insurance cover accidents during paid trips, or do I need a commercial policy?",scenario-based,Rideshare drivers typically need a commercial policy or a rideshare endorsement.
My flood insurance claim was denied for ‘gradual damage.’ What’s the difference between sudden and gradual damage in policies?,scenario-based,"Gradual damage refers to long-term issues like erosion, while sudden damage is event-based (e.g., storms)."
I’m adopting a child internationally. Are there insurance plans that cover pre-existing conditions before the adoption is finalized?,scenario-based,Some insurers offer ‘prospective adoption’ policies; check with specialized providers.
My homeowner’s insurance dropped me after two claims in five years. How can I find a new provider with a high-claim history?,scenario-based,"High-risk pools or surplus lines insurers may accept you, but premiums will be higher."
I store inventory for my small business in my garage. Will my homeowner’s policy cover theft or fire damage to these items?,scenario-based,Homeowner’s policies often exclude business inventory; you’ll need a business rider.
"I was hit by an uninsured driver. What does ‘UM/UIM coverage’ include, and how do I file a claim under it?",scenario-based,UM/UIM (Uninsured/Underinsured Motorist) coverage pays for your injuries and damages.
My life insurance application was rejected due to a family history of cancer. Are there no-medical-exam alternatives?,scenario-based,Guaranteed-issue life insurance skips medical exams but has lower coverage limits.
I’m traveling to a country with a Level 3 travel advisory. Will my travel insurance still cover emergencies?,scenario-based,Most policies void coverage for destinations under Level 3+ advisories; check fine print.
"My pet needs a $5,000 surgery. Does pet insurance reimburse pre-existing conditions if they weren’t diagnosed before enrollment?",scenario-based,Pre-existing conditions are rarely covered unless waived during enrollment.
A hailstorm damaged my solar panels. Are they covered under my homeowner’s policy or a separate warranty?,scenario-based,Solar panels may require a separate rider; check your policy’s ‘other structures’ clause.
"A customer disputed a $200 charge claiming they never received the item, but tracking shows delivered. How do I fight this chargeback?",scenario-based,
My Shopify store was suspended for ‘suspicious activity’ after a surge in sales. How do I appeal this?,scenario-based,
"I sold a vintage item, but the buyer says it’s counterfeit. How do I prove authenticity without a receipt?",scenario-based,
My product ranking dropped after Amazon’s algorithm update. What SEO strategies work best now?,scenario-based,
"A customer left a 1-star review because shipping was slow, but it was the carrier’s fault. Can I have the review removed?",scenario-based,
"I’m dropshipping from China, but customs delays are causing cancellations. Should I switch to local suppliers?",scenario-based,
"My PayPal account was frozen for ‘high risk’ after a $10,000 sale. How long does verification take?",scenario-based,
A competitor copied my product descriptions verbatim. What legal action can I take?,scenario-based,
My Google Ads ROI dropped 50% after iOS privacy updates. What’s the alternative for tracking conversions?,scenario-based,
I accidentally oversold an item due to inventory sync issues. How do I compensate affected customers?,scenario-based,
My internet speed is consistently half of what I pay for. How do I escalate this to the FCC if the provider won’t act?,scenario-based,
I moved to a rural area with no fiber coverage. Are there subsidies for satellite internet installation?,scenario-based,
My phone plan charged me $200 for ‘premium SMS’ I never subscribed to. How do I block these charges?,scenario-based,
"The carrier’s coverage map showed strong signal at my home, but I get no service. Can I cancel without penalties?",scenario-based,
I’m deaf and need captions for customer service calls. Which providers offer real-time captioning?,scenario-based,
My family plan’s bill increased by $30/month without notice. Is this legal under my contract?,scenario-based,
"A sales rep promised a free phone, but the contract lists it as $25/month. How do I prove misrepresentation?",scenario-based,
I’m traveling for 6 months. Can I pause my cell plan without losing my number?,scenario-based,
My unlocked phone won’t work on a new network due to ‘incompatible bands.’ How do I check compatibility beforehand?,scenario-based,
A technician’s visit to fix my internet left my yard dug up. Who’s responsible for landscaping repairs?,scenario-based,
"My organic certification is pending, but buyers demand proof now. Can I use ‘transitional organic’ labels?",scenario-based,
Drought destroyed 60% of my crops. What USDA disaster relief programs apply?,scenario-based,
I want to switch to no-till farming. Are there grants for equipment like seed drills?,scenario-based,
My neighbor’s pesticide drift damaged my beehives. What legal recourse do I have?,scenario-based,
Farmers’ markets require $1M liability insurance. Are there low-cost policies for small growers?,scenario-based,
I inherited farmland but live overseas. How do I lease it responsibly without local contacts?,scenario-based,
The co-op rejected my milk for high somatic cell counts. What steps reduce this in dairy cows?,scenario-based,
Wild boars are destroying my fields. Can I get a depredation permit to cull them?,scenario-based,
My agritourism guests injured themselves on a hayride. What insurance covers this?,scenario-based,
Climate change has shifted my planting zones. Where can I get updated soil and crop advisories?,scenario-based,
"I reported a pothole 3 weeks ago, but it’s still unfixed. How do I escalate this to the city council?",scenario-based,
My disability benefits were cut after I freelance occasionally. How does the SSA define ‘substantial gainful activity’?,scenario-based,
"I need a birth certificate for my passport application, but the office has a 2-month backlog. Can I expedite this?",scenario-based,
"A police report was filed incorrectly, affecting my insurance claim. How do I amend it?",scenario-based,
I’m a veteran denied VA healthcare because my income is $1 over the threshold. Can I appeal?,scenario-based,
My tax refund was seized for student loans in default. How do I request a hardship waiver?,scenario-based,
"I’m homeless and need an ID to apply for jobs, but I lost all documents. What’s the first step to rebuild them?",scenario-based,
My FOIA request about local pollution was denied for being ‘too broad.’ How do I narrow it effectively?,scenario-based,
A zoning change will block my home expansion. How do I petition against it?,scenario-based,
My jury duty summons conflicts with my childcare responsibilities. What’s the process to defer?,scenario-based,
Our nonprofit’s 501(c)(3) status is pending. Can we accept donations before approval?,scenario-based,
A volunteer was injured building homes for us. Are we liable without workers’ comp?,scenario-based,
Grantors want outcomes data we don’t have. How do we measure impact with limited staff?,scenario-based,
A donor pledged $50K but now refuses to pay. Is this legally enforceable?,scenario-based,
Our executive director’s salary is 30% of our budget. Could this risk our tax-exempt status?,scenario-based,
We operate in multiple states. Do we need to register as a charity in each one?,scenario-based,
A board member is embezzling. What’s the protocol to remove them without publicity?,scenario-based,
"Can we use cryptocurrency donations, and how do we value them for tax receipts?",scenario-based,
Our fundraiser auctioned a vacation package. Are there sales tax obligations?,scenario-based,
A disgruntled ex-employee is badmouthing us online. What legal actions can we take?,scenario-based,
I have a heart condition but want to join a gym. What medical clearance do trainers require?,scenario-based,
"A gym trainer pushed me to lift heavier, causing a back injury. Can I sue for negligence?",scenario-based,
My gym closed permanently but won’t refund prepaid annual fees. What are my options?,scenario-based,
I’m 6 months pregnant. Are there prenatal yoga classes covered by my health insurance?,scenario-based,
A fitness app shared my data without consent. What privacy laws apply?,scenario-based,
I slipped on wet floors in a pool area. Who’s liable if there was no ‘Caution’ sign?,scenario-based,
My Peloton subscription auto-renewed after cancellation. How do I demand a refund?,scenario-based,
CrossFit gave me rhabdomyolysis. Can the studio be held responsible for not warning beginners?,scenario-based,
I bought ‘FDA-approved’ waist trainers that caused bruising. Is this false advertising?,scenario-based,
A marathon’s promised hydration stations ran out of water. Can participants claim damages?,scenario-based,
"My concert tickets were fake, but I paid via Venmo. How do I recover the money?",scenario-based,
A streaming service removed a movie mid-watchlist. Do I get a partial refund?,scenario-based,
I was injured in a mosh pit. Can I sue the venue for inadequate security?,scenario-based,
A celebrity’s NFT promotion turned out to be a scam. Who investigates this?,scenario-based,
My kid spent $500 on in-game purchases without my consent. How do I get a refund?,scenario-based,
A film crew damaged my property while shooting without permits. What compensation can I demand?,scenario-based,
I auditioned for a role but was asked for ‘pay-to-play’ fees. Is this legal?,scenario-based,
A comedy club used my likeness in ads without permission. What’s the penalty?,scenario-based,
My band’s music was used in a viral video without credit. How do we claim royalties?,scenario-based,
A haunted house attraction gave me a panic attack. Can they be liable for trauma?,scenario-based,
My dog was injured at a daycare that waived liability in their contract. Can I still sue?,scenario-based,
"A groomer shaved my double-coated breed against instructions, causing skin issues. What remedies exist?",scenario-based,
My vet insists on unnecessary tests. How do I get a second opinion without offending them?,scenario-based,
A pet store sold me a sick puppy. Can I demand reimbursement for vet bills?,scenario-based,
"My apartment’s pet deposit is $1,000. Is this legally capped in any states?",scenario-based,
A dog walker lost my pet. What compensation is typical in these cases?,scenario-based,
"My HOA banned pit bulls, but mine is a therapy animal. How do I challenge this?",scenario-based,
A raw food diet made my cat severely ill. Can I sue the manufacturer?,scenario-based,
My pet’s cremation ashes were mixed with others. What legal recourse do I have?,scenario-based,
"A trainer used shock collars without my consent, traumatizing my dog. Is this animal cruelty?",scenario-based,
A data breach leaked my SSN. What’s the first step to prevent identity theft?,scenario-based,
My company was ransomware attacked. Should we pay the hackers or risk leaked data?,scenario-based,
A fake app stole my bank login. How do I report this to Apple/Google?,scenario-based,
My smart TV is recording private conversations. How do I disable spyware?,scenario-based,
An ex-partner is threatening to share intimate photos. What laws protect me?,scenario-based,
I clicked a phishing link but closed it immediately. Is my device still compromised?,scenario-based,
A coworker’s infected USB spread malware to our network. Who’s liable for damages?,scenario-based,
My child’s school database was hacked. What should parents monitor for fraud?,scenario-based,
A crypto wallet drained overnight. Can blockchain transactions be reversed?,scenario-based,
A deepfake video of me is circulating. How do I get it taken down legally?,scenario-based,