About Experts Sitemap - Group 30 - Page 4 2014-04-15

Insurance Law: cutting trees for insurance requirement, guide cables, foundation damage
Insurance Law: cutting trees for insurance requirement, guide cables, foundation damage, tree roots

Insurance Law: Rental Car Liability Insurance??, rental car company, amex card
Insurance Law: Rental Car Liability Insurance??, rental car company, amex card, literature websites

Insurance Law: left turn on yellow light, ontario canada, intersection
Insurance Law: left turn on yellow light, ontario canada, intersection, amber

Insurance Law: Gen. Liability, frequent thing, buying insurance
frequent thing, buying insurance, business practice: Hi Phil- The reason this is being required is because most of the agreements with entities involved in building require the General Contractor to also be responsible for the subcontractor, in the even the subcontractor is found to not have insurance. That...

Insurance Law: Homeowners or Medical Insurance?, medical payments coverage, home owners insurance
medical payments coverage, home owners insurance, homeowners policy: Hi Denise- It is possible that they would want to subrogate against the homeowners policy. They would likely only get whatever the homeowner was carrying on Medical Payments coverage, which is usually just $1000. That coverage applies regardless of who...

Insurance Law: help, insurance policy, video tape
insurance policy, video tape, neighbors: Hi Kim- You would be best to contact local law enforcement and complain about the damage to your property and the attacks on your animal, and your concern for the vicious behaviour of the dog. Many cities, towns ect have laws against dogs running at large....

Insurance Law: hire car insurance, collision damage waiver, rental car company
collision damage waiver, rental car company, rental car companies: Hi Martyn- Rental car companies offer three types of coverage, and it is your option as the leasee to decide what coverages you want to purchase. RLP is Rental Liability Protection, which gives you the minimum liability limits required for the state that...

Insurance Law: hit and run liable?, vehicle measurements, small claims court
vehicle measurements, small claims court, initial repair: Hi Daniel, your problem is that in a matter such as this the burden of proof lies on your shoulders and you do not have any. If there were some way to prove fault on the other company then I am sure that your insurance company would have put in a claim against...

Insurance Law: homeowners insurance, independent insurance agency, plaster walls
independent insurance agency, plaster walls, insurance question: Hi Herman- I wouldn t say that it s absolutely impossible, but you would need to work with them to get them to agree. You ll need to advise them why you want to carry the lower limit. Different companies handle things differently. You may want to try a...

Insurance Law: Insurances, auto policy, homeowners insurance
auto policy, homeowners insurance, san francisco bay area: Hi Mark, Once the foreclosure is complete and the property is re-recorded in the name of the mortgagee, your AAA policy would no longer pay any claim against the property or contents. At that time, it will be appropriate to cancel your AAA home policy and...

Insurance Law: no insurance accident, insurance accident, insurance company
insurance accident, insurance company, ramifications: Hi Cheryl- Some states are very strict and require all drivers to carry insurance. You may want to find your state s websites, and find out what the requirements are. If he was not at fault, he should contact the other insurance company, and try to get...

Insurance Law: Lfe Insurance, american express credit card, life insurance policy
american express credit card, life insurance policy, death certificates: Hi Barb- If you can find proof that your brother in law in fact had a life insurance policy, and in fact you were a named beneficiary, then you would need to get a copy of your brother s and husbands death certificates, and put in a claim with the insurance...

Insurance Law: leaving the scene, case hi, telephone pole
case hi, telephone pole, liability insurance: Hi Andrew- If I understand this correctly, you were in an accident with a telephone pole, and the vehicle you were driving your own vehicle, which had auto insurance. You left the scene, and later got a ticket. If that is the case, your insurance should...

Insurance Law: life insurance, insurance department, cardiac arrest
insurance department, cardiac arrest, insurance company: Hi Viola- If you feel the insurance company isn t cooperating in proving you the right forms to make the claim, you may want to make an insurance department complaint, or threaten to. That tends makes them much more cooperative. Some states have Consumer...

Insurance Law: Maryland Insurance lapse, maryland dmv, other vehicles
maryland dmv, other vehicles, maryland insurance: Hi Harry, yes indeed this Maryland DMV is a madhouse and every time I get one of these questions about Maryland it deals with the same issue! In your case I suggest that you make copies of all of the receipts for the vehicles and obtain the services of a...

Insurance Law: Medical reimbursement to my own carís insurance company, mercury insurance, medical attorney
mercury insurance, medical attorney, medical reimbursement: Hi Chris, For some strange reason, we Californians tend to elect attorneys to serve our interests in the state senate and assembly. About 75% are licensed attorneys with a practice back in their home district. They also tend to lean heavily toward writing...

Insurance Law: maryland Insurance lapse default, maryland dmv, new computer system
maryland dmv, new computer system, class action lawsuit: Hi Thomas, due to the recent volume of questioners asking about this very same problem{I just answered one yesterday} I am of the opinion that Maryland has very recently put in a new computer system which is dredging up all of these old anomalies in non-renewed...

Insurance Law: motorcycle accident, dmv website, california dmv
dmv website, california dmv, mandatory insurance: Hi Dann- You haven t stated it, but it appears that you are in California, which is a mandatory insurance state. Since there was a police report, I think you are required to file an SR-1. (I m not certain, as I m not from there). You will have to deal...

Insurance Law: mva/NJ, soft tissue injury, health insurance policy
soft tissue injury, health insurance policy, accident occured: Hi again Debora. yes you are bound by the coverage limits on his insurance policy but once again, your daughter has the right to sue him for the differences and pain&suffering, personal injuries etc. P.S. if I were you I would be very careful regarding this...

Insurance Law: Parent's Liability for drivers under 21 yrs., insurance limits, personal assets
insurance limits, personal assets, excess insurance: Hi Lora, the way I remember it in N.Y. is that anyone suing the minor could file against the parents through their insurance company for excess insurance after first exhausting the minor s insurance limits. This is why many insurance companies insist on insuring...

Insurance Law: Parked car collision, independent insurance company, campus police officer
independent insurance company, campus police officer, windshield wipers: Hi Josh, Since Michigan is a no-fault insurance state, you can only collect for damages to your car from your own company (and you don t carry collision) or from the party that hit you, providing that you were LEGALLY PARKED . It is illegal for State...

Insurance Law: Parking Lot, small claims court, texas department of insurance
small claims court, texas department of insurance, filing a complaint: Hi Jason- You might try seeing if there were witnesses who can attest that she was a passenger in the vehicle, and that she was lying stating her boyfriend didn t have permission to be driving. You might also try filing a complaint with the Texas Department...

Insurance Law: Parking Lot Right-Of-Way, parking lot accidents, due caution
parking lot accidents, due caution, tight quarters: Hi Terrence- Parking lot accidents are challenging to explain fault, and some companies may consider fault 50/50. The primary negligence is on the person backing up, because it is a motion contrary to the natural forward motion of the vehicle. Going in...

Insurance Law: Previous Owner Roof Damage, hail damage, roof leaks
hail damage, roof leaks, hail storm: Hi John- I don t know how much help I can be in this situation, but there are issues to look at in regards to the previous owner and the real estate agent. If they were aware that there were roof leaks at the time of the sale, and didn t disclose it, there...

Insurance Law: Primary on subrogation, auto carrier, auto policy
auto carrier, auto policy, personal auto: Hi George, Sorry, but I don t have a crystal ball! Were you driving a rental car? Were you at fault? Did you purchase the CDW coverage from the rental company, or was your primary auto policy providing comprehensive and collision on the rental as a temporary...

Insurance Law: my parked car was hit, physical damage insurance, kelsey
physical damage insurance, kelsey, gentleman: Hi Kelsey- If you can t identify the driver who hit your car, then you will have to pay to have the vehicle repaired yourself. By not buying physical damage insurance, you ve chosen to assume the hazards on your own. If the driver has been identified, you...

Insurance Law: parking cars or vans too long for parking space, exit route, parking space
exit route, parking space, compact cars: Hi Therese, I do not know of any State laws regulating this circumstance. You can inquire about this problem with the actual owners of the lot. This is a problem with SUV s also. I personally hate them because they block vision in open parking lots by stores...

Insurance Law: providing proof of insurance, personal auto policy, hi tim
personal auto policy, hi tim, proof of insurance: Hi Tim, This is not an unusual request. Although there may not be a state law that would force you to disclose this information, your failure to do so could easily put you in bad standing with your employer and cause you to lose the ability to drive a company...

Insurance Law: Radial head fracture, radial head fracture, pinched nerve
radial head fracture, pinched nerve, palm of my hand: Hi Beth- You could consult an attorney, and see what they say. Possibly, they will stay that since you were at at will tenant, and were aware of the existing damage of the driveway, that the landlord isn t liable. It s worth talking to an attorney about,...

Insurance Law: Removals Company - Goods Damaged in trasit, contract doesn, wear and tear
contract doesn, wear and tear, many thanks: Hi Kathy- It sounds like you are from the UK, so if their contract doesn t reference the excess amount, you may have to take them to court. I m not from the UK, so I can t advise what other options you have. Sorry I can t be of more assistance. :) Denis...

Insurance Law: Rental Car Break-in, personal auto policy, property damage liability
personal auto policy, property damage liability, personal car: Hi Brad- I m not from Texas, but what you were told doesn t make sense to me. Your personal auto policy s liability coverage should cover damages from an accident that you cause in the rental car. As to the theft of your personal property inside the rental...

Insurance Law: Rental Car Liability Insurance??, rental car agency, rental car companies
rental car agency, rental car companies, rental car company: Hi Walt, I guess that each of us will learn from this question. During all my traveling in California and renting cars for a short stay in a different city, no rental agency had ever tried to sell me liability insurance, just the collision loss damage coverage....

Insurance Law: Rental car accident, rental car company, own insurance
rental car company, own insurance, rental contract: Hi Henrique, this is not a good scenario for the person who rented the vehicle because he breached his rental contract and if he took out seperate insurance through the rental company they will almost surely deny the claim and seek restitution from the renter....

Insurance Law: Right to Reimbursement from Settlement, health insurance policy, suit settlement
health insurance policy, suit settlement, doctor bills: Hi Ginny- I m not an attorney, but it seems to me that if your health insurance has a Right to Reimbursement clause, that your agreeing to a lower settlement amount could actually end up costing you money in the end. You may want to read further on in the...

Insurance Law: i was rear ended by unisured motortist, uninsured motorist coverage, default judgement
uninsured motorist coverage, default judgement, city marshall: Hi Caitlyn, there is usually a grace period which might increase the insurance protection term but you and I would need a crystal ball to make sure of that. The deadbeat might even be paying for the insurance on a month by month basis. The only sure way...

Insurance Law: rental car info, rental reimbursement, question thanks
rental reimbursement, question thanks, meantime check: Hi Chandra, This issue will be resolved once the adverse insurance company gets a copy of the policy report. In the meantime, check with your own company. You may have rental reimbursement under your own policy. The adverse insurance company is not going...

Insurance Law: Who's responsible, insurance company, living at home
insurance company, living at home, letter stating that: Hi Shelley- I m not from Washington state, nor an attorney, but generally, you are correct. It is the owner of the vehicle who is legally liable for damages done by a operator who had permission to drive the vehicle. He should sent the insurance company...

Insurance Law: I was reversing but was never in park, parking lot accidents, unsafe manner
parking lot accidents, unsafe manner, blind spots: Hi Jeff- Parking lot accidents are difficult to assess negligence to. Common sense states you yield the right of way to others that are in the lane of traffic, while in the process of making a move into a parking spot. There is also though more negligence...

Insurance Law: Stolen vehicle recovered, california department of insurance, mexican authorities
california department of insurance, mexican authorities, rental coverage: Hi Jesse- What you may have to do is contact the California Department of Insurance, and make a complaint, asking them to have your insurance company consider your vehicle a total loss now, and taking the salvage of the vehicle in Mexico when and if it is...

Insurance Law: A very strange rear ending case - Please help!, freeway lane, curve in the road
freeway lane, curve in the road, carpool lane: Hi Austin, I agree that the other car may have been to badly damaged to move from the lane of the accident and it s very possible that the accident shorted out the electrical system, now allowing the emergency flashers to operate. Under these conditions,...

Insurance Law: Texas Private parking lot, Small accident, independent witness, minivan
independent witness, minivan, police report: Hi Joshua- You will need to find witnesses who can confirm that it was the Minivan who was operating in an unsafe matter, hopefully, and also rely on the police report. Generally, these types of accidents ARE considered to be the fault of the person backing...

Insurance Law: Tree on Truck, home tonite, degree heat
home tonite, degree heat, exact moment: Hi Stephanie- You can ask, but I doubt that the county will respond. You would have to be able to prove that the tree was unsafe, dead, and a hazard to traffic previously, and should have been removed. A arborist would be an expert, but it would likely...

Insurance Law: tree totaled my car, car question, mortgage lender
car question, mortgage lender, plot of land: Hi Danielle, the condition of that lot and the fact that it is unsuitable for building on it should make no difference because someone still owns it and is liable for it. I would bet almost anything that there is some type of insurance on it even if it is...

Insurance Law: Left turn accident, radar device, accident history
radar device, accident history, collision coverage: Hi Kri, the vehicle and traffic laws all blame an accident on the person making the left hand turn because it is that person who must ensure that they have a clear and unobstructed right to do so before making the turn. The fact that the other driver was...

Insurance Law: left turn accident, fedex truck, no brainer
fedex truck, no brainer, cross street: Hi Brian, the fault for this accident would be determined by the where your wife s vehicle was at the time of impact. Was she still on your road or was she already into the cross-street? If she was still on your street before the stop sign then this is a...

Insurance Law: left turn on yellow light, oncoming cars, oncoming car
oncoming cars, oncoming car, left turn: Hi Beata- If he should have given her a ticket for expired insurance and didn t, yet took your drivers license when you did have proof of insurance, you may want to inquire with his superior officer as to whether he was acting out of proper police proticol,...

Insurance Law: uninsured driver, certified mail, uninsured driver
certified mail, uninsured driver, unlicensed driver: Hi Nancy, O.K., I guess I had it correct but just wanted to make sure. What you should do is to obtain a copy of the police report, an estimate or two of the amount of the repairs and send copies to the registered owners of both vehicles and the unlicensed...

Insurance Law: uninsured motorists, uninsured motorist coverage, uninsured motorists
uninsured motorist coverage, uninsured motorists, insurance comp: Hi Randy- The Uninsured Motorist coverage on your policy is Uninsured Bodily Injury, which has to do with the medical injuries you incurred from that driver. The damages to the vehicle come under your collision coverage. You may lose an accident free discount,...

Insurance Law: water in basement after repairs (hypothetical), cement work, small claims court
cement work, small claims court, concrete blocks: Hi Jim- Real Estate Law isn t my specialty. As I understand it though, the main thing is to fully disclose everything, and not to hide damage. You may want to ask a real estate agent. They can let you know what the legal requirement are. Hope this helps....

Insurance Law: Accidental Death Benifiets, accidental death insurance, blunt force trauma
accidental death insurance, blunt force trauma, blood alcohol level: Hi Trina, I am assuming that you are not asking about any accidental death insurance that was on the vehicle s insurance policy but about a private insurance policy because the auto insurance policy would be written so as to deny coverage to any driver found...

Insurance Law: Adult child in another state, current insurance company, small claims court
current insurance company, small claims court, principal driver: Hi Jean, I do not see why your current insurance company would not insure this extra vehicle on your policy unless they do not do business in the state of Alabama. The only problem I foresee could be with the registration. The vehicle would still have to...

Insurance Law: Auto accident, professional clients, compleatly
professional clients, compleatly, serious thing: Hi Rachel, the way I see this situation is that you have run up against a scam artist who does this type of thing to obtain settlement monies from other people s insurance companies for pain and suffering claims. Unfortunately there is not too much you can...

Insurance Law: Auto accident and Health Insurance, health insurance benefits, private health insurance
health insurance benefits, private health insurance, health insurance plan: Hi again Jason, I do think that you are looking at this in a one sided manner but I certainly do not fault you for that. I, on the other hand am looking at this with an eye towards the merits of the claim and as to whether it would be worthwhile to pursue...

Insurance Law: Auto Insurance, pa dmv, auto insurance companies
pa dmv, auto insurance companies, dumb mistake: Hi Deborah, I think that the first people to contact is the old insurance company because if your premiums were up to date until the 7/1 coverage period your insurance policy should have still been in effect. If they send you a refund for the 5 days then...

Insurance Law: Auto Insurance, auto insurance companies, pa dmv
auto insurance companies, pa dmv, dumb mistake: Hi Deborah- If you made your payment for the new insurance on 6/26/08, and you had proof of insurance from your old carrier expiring that date, your new carrier should be able to consider changing the effective date of your policy. Try talking to your new...

Insurance Law: auto insurance, homeowners policy, auto policies
homeowners policy, auto policies, auto policy: Hi Todd, I m sorry to learn of your problem. Your insurance company is providing you correct information. There is a clause in all auto policies stating that there is no coverage provided when you damage your own property (house, boat, trailer, another...

Insurance Law: Betterment on an engine, insurance carrier, betterment
insurance carrier, betterment, insurance: Hi Susan- Claims isn t my specialty, but I would say yes, that an engine could fall under betterment. For example, if your car had 120,000 miles on it, and was unrepairable as a result of an accident, and replacing the engine was the only option, giving...

Insurance Law: Builder Liability for Leaky roof in New House construction, professional roofing, roof leaks
professional roofing, roof leaks, insurance premiums: Hi Kelly, I have never heard of a guarantee on a newly constructed home to be longer than one year but I am probably wrong since you obviously have some basis for assuming otherwise. As far as the leakage goes my opinion is that if it is repaired by professional...

Insurance Law: CAR ISURANCE, car isurance, driveable
car isurance, driveable, hi lee: Hi Lee, if the vehicle is no longer driveable and has been considered to be a total loss then I see no reason for you to continue to insure it. If the vehicle is merely damaged and you do not turn in the plates and cancel the registration then you must retain...

Insurance Law: Car accident, automatic coverage, auto policy
automatic coverage, auto policy, stoplight: Hi Yani- I would recommend filing with the other driver s insurance. Your insurance company may end up finding out about the accident, and it sounds like you haven t declared your husband as a driver of your vehicles. Your insurance company won t be happy...

Insurance Law: Car Insurance Lapse, state farm car insurance, state tag
state farm car insurance, state tag, interogation: Hi Carrie, hopefully this will be rectified without any further hassle to you by State Farm but if not then gather all of your evidence including that fax confirmation and write a letter to both the DMV and your State Ins. Dept. You can also send copies to...

Insurance Law: Car insurance before marriage, customer service rep, college graduate
customer service rep, college graduate, car insurance: Hi Frank- I think you should contact your State Insurance Department and make a written complaint. Since you were the original policyholder, and I m assuming the First Named Insured, they aren t supposed to do that sort of thing without your permission. ...

Insurance Law: car damage while in mechancial shop, shop insurance, mechanical shop
shop insurance, mechanical shop, car damage: Hi Theresa, you can absolutely sue the shop and in my opinion you should do so if they do not voluntarily agree to pay for the repairs because the vehicle was in their possession at the time of the damage. They should be covered by their shop insurance policy...

Insurance Law: claim payment, wheels and tires, new wheels
wheels and tires, new wheels, burden of proof: Hi Brian- Your insurance company has to investigate, and if they can prove that you had them stolen, they would deny the claim. The question to me is what policy should cover it. Since you puchased new wheels and had them installed, it could be interpreted...

Insurance Law: definition of totaled out car, delta 88 oldsmobile, kelly bluebook
delta 88 oldsmobile, kelly bluebook, question deals: Hi Sharon, when a vehicle is considered to be a total loss it means that the repairs are going to cost more than the actual vehicle is worth and thus the cap on what the insurance company is obligated to pay out. If you desire to retain ownership of the vehicle...

Insurance Law: driveway accident, rear quarter panel, oncoming traffic
rear quarter panel, oncoming traffic, quarter panel: Hi Jason- In these types of accidents, it is generally the person backing up who is considered at fault, as they are to yield to traffic having the right of way. If the car was stopped in the right of way, it could be seen as obstructing traffic. If there...

Insurance Law: Exceeding a policy limit, fault the police, witness statement
fault the police, witness statement, adjustor: Hi Kathleen- I would first get a copy of the police report. If it states the other driver admitted fault (which is very normal, considering that she rearended you), you should not be considered to be liable. Contact your insurance company, and ask them...

Insurance Law: definition of totaled out car
Insurance Law: definition of totaled out car

Insurance Law: Liability for Personal Property Damage, questioner, pc business
Insurance Law: Liability for Personal Property Damage, questioner, pc business, distinction

Insurance Law: MD MVA SCAM, md mva, maryland dmv
Insurance Law: MD MVA SCAM, md mva, maryland dmv, central collections

Insurance Law: No fault, motor vehicle accident, monetary settlement
motor vehicle accident, monetary settlement, pain and suffering: Hi Sazzi, I am assuming that you are asking about a lien for excess PIP or no-fault benefits at the conclusion of a lawsuit in which the plaintiff was successful in obtaining a monetary settlement or judgement. Under the no-fault scheme a person is entitled...

Insurance Law: G/L Audit, gross receipts, liab
gross receipts, liab, parent company: Hi Corina- This isn t an area of my expertise, but I m not aware of any exclusion for goods sold between companies. If both companies were insured under the same policy with the same carrier, it is possible they wouldn t consider it to be an outside sale....

Insurance Law: General Liability Audit, insurance field, liability policy
insurance field, liability policy, commercial general liability: Hi Calvin- The issue with subcontractors is that even though you may have certificates of insurance, too often the GL carrier ends up providing coverage to them, so I m afraid that they will want to charge you the 4.5MM difference. When I worked in the...

Insurance Law: Health Insurance Question, health insurance carrier, health insurance company
health insurance carrier, health insurance company, subrogation claim: Hi Julie, I am laughing as I write this response because I know where the health insurance company is coming from and what they were hoping to receive as an answer from you. They somehow thought that the accident might have been on someone else s property...

Insurance Law: Homeowners insurance/ liability, personal liability insurance, california department of insurance
personal liability insurance, california department of insurance, rental dwelling: Hi Anthony- Standard homeowners coverage does include liability, however, if the person living in the home was renting it, and didn t purchase renters insurance, then there wouldn t be personal liability insurance. I still think it s highly unusual though....

Insurance Law: House hit by demolition car & trailer, small claims court, living with relatives
small claims court, living with relatives, t claim: Hi Matt- I take it that you didn t have rental insurance, or insurance coverage on the demolition car. You still should have some recourse against the truck hauling the trailer, who caused the damage, but you would need to file a claim in small claims court...

Insurance Law: left hand turn, old adage, left turn
old adage, left turn, rear bumper: Hi Katie, since you cannot prove either speeding or cell phone use I am afraid the ticket is valid because the person contemplating a left turn must first ensure that they have a completely free and unobstructed right to do so before attempting the turn. ...

Insurance Law: house fire, honesty is the best policy, frenchfries
honesty is the best policy, frenchfries, homeowners policy: Hi Thomas- I ve heard of the insurance company coming after you for the damages from accidently starting a fire in a hotel, but never when you re at someone elses home and accidently start a fire. The only type of coverage that would cover this is your own...

Insurance Law: Insurance claim question, side swipe, insurance practice
side swipe, insurance practice, medical issue: Hi Kathy- Since you are both insured with State Farm, you shouldn t have to pay a deductible, nor should this be charged under your policy as an accident. In my experience, the person rearending another is still charged as at fault in the accident, even...

Insurance Law: Insurance lapsed and I was involved in an accident, willful destruction, interest penalties
willful destruction, interest penalties, best bet: Hi again David, it seems to me that you are to be congratulated in this matter. That insurance company seems to have blown this matter by not suing you within the statute of limitations! My only admonishment to you is that you read that entire statute very...

Insurance Law: Insurance Policy amount, disclosure letter, liable party
disclosure letter, liable party, state of mississippi: Hi Lashanda, The insurance company must disclose their policy limit when petitioned to do so by an attorney. If you retain an attorney to handle your case, that will automatically be done. If you want to handle your own case, you can get an attorney to...

Insurance Law: Insurance Termination Letter, insurance failure, multi family dwelling
insurance failure, multi family dwelling, liability problem: Hi again Min, why not call either the DMV or your State Insurance Dept. If the insurance is mandatory in your State then someone will have to take you even if it is a State agency but you will most likely have to go into the assigned risk pool. I only know...

Insurance Law: can anything be done about an inaccurate "negligent" finding?, autobody shops, insurance adjuster
autobody shops, insurance adjuster, eor: Hi Cheryl, it seems as if you and your husband have run up against a sloppily run insurance company and their claims office. What I suggest that you do is to first start by writing a certified letter registered receipt requested to your State Attorney General...

Insurance Law: no insurance, small claims court, mandatory insurance
small claims court, mandatory insurance, priveledges: Hi Justin, I do not know about the criminal laws for not carrying insurance in the state of Texas so I do not know if loss of driving priveledges is a possibility but I am sure that if there are mandatory insurance laws in place then he could surely be subject...

Insurance Law: insurance claim on sold house, endorsing a check, hail damage
endorsing a check, hail damage, mortgage holder: Hi Lily- What the bank needs to do is to issue a letter to the insurance company, referencing the claim number and the check, stating that they no longer have an interest in the house, as their interest has been paid off, and to reissue the check to you....

Insurance Law: insurance gaps, property management company, mold remediation
property management company, mold remediation, insurance adjuster: Hi Virginia, this is a toughie because both insurance policies would have to be read very carefully to see exactly who is correct or whether this is an issue which is without coverage. I suggest that you have both insurance companies send you a copy of the...

Insurance Law: No insurance invalded in a accident......., small claims court, california state law
small claims court, california state law, red car: Hi Michelle, You state that the other driver has a problem with the state of California and is not supposed to be driving. You did not state his problem. If he is not legally entitled to be driving, then State Farm can deny the claim. Your recourse...

Insurance Law: Is insurance required?, bodily injury, gas stations
bodily injury, gas stations, sherry: Hi Sherry- I m not from Florida, so I really can t help you with this. You might try contacting myflorida.com. This appears to be a website for the government for the state of Florida. There you might be able to find something out. Hope this helps. :)...

Insurance Law: no insurance and got t boned, state insurance department, left turn
state insurance department, left turn, police report: Hi Ruben- You could consider contacting your State s Insurance Department, and ask them for assistance. Or have your attorney file suit against the insurance company for the damages. Since you con t have insurance, it s up to you to prove the other driver...

Insurance Law: Juvenile Auto Insurance Coverage, auto insurance coverage, best bet
auto insurance coverage, best bet, driving a car: Hi Rebecca- If she is driving your auto, it is your auto insurance that will pay for the loss. Do not take her off of your policy if she is still driving your car. Liability comes from the vehicle ownership. The best bet is to get her a car of her own,...

Insurance Law: Lapse of Coverage, record security, mvr
record security, mvr, august 1st: Hi Afsaneh- The first thing to determine is whether they issued you a writen notice of cancellation to you for underwriting reasons, and to note what that date of cancellation was, and what the wording was, when it was mailed to you, and whether they gave...

Insurance Law: Liability for Personal Property Damage, personal property damage, physical damage coverages
personal property damage, physical damage coverages, fault insurance: Hi Kenneth- The Landlord is not liable for this loss. You have chosen to self insure for the damage that could occur to your car, by not paying for physical damage coverages on your car. So, unfortunately, you have no recourse against the landlord. Sorry!...

Insurance Law: Life Insurance Policy, letter in the mail, life insurance policy
letter in the mail, life insurance policy, pulmonary embolism: Hi again Jill, I am glad that your friend contacted an Attorney. Ordinarily I would say that given the new set of circumstances you have given me there was never an actual insurance policy written. When the underwriting people looked at the deceased s medical...

Insurance Law: liabilty, insurance company, plaintiff
insurance company, plaintiff, insurance: Hi Stacey, ultimately it is your friend s insurance which will be stuck with repaying the other driver s insurance company. Your friend may also be facing a bit of criminal trouble because he gave a false statement to the police. If your friend really didn...

Insurance Law: MD MVA SCAM, mail return receipt, md mva
mail return receipt, md mva, new computer system: Hi Peter, if you check my recently answered questions you will see a recurring pattern with the Maryland DMV! I am of the opinion that they put in some new and untested computer program because this sort of problem is cropping up all of the time! I suggest...

Insurance Law: MEDICAL CLAIM MADE BY NON-OWNER, medical payments coverage, negative ramifications
medical payments coverage, negative ramifications, criminal suit: Hi Daniel- The types of coverages that could be involved in this accident would be determined by the situation. If your friend wasn t at fault in the accident, and the other party either didn t have insurance, or didn t carry high enough liability limits...

Insurance Law: Motorcyle accident on Garden State Hwy., garden state parkway, personal injury attorney
garden state parkway, personal injury attorney, bike manufacture: Hi Paul, allow me to start by saying that you must be going to the right church to have been able to walk away from this event with only the scarring that will most likely occur! As far as a lawsuit is concerned the reason that the Attorneys do not want to...

Insurance Law: NY Disabled van damaged(lengthy), carpenter bees, ford econoline
carpenter bees, ford econoline, june bugs: Hi Liz, I am very, very sorry for such a terrible event to befall you! My opinion is that you should contact the shop owner and ask if they will reimburse you the extra monies that you will have to be laying out for the alternate transportation and if they...

Insurance Law: Prevailing State Laws for Auto Accident, health insurance policy, health insurance company
health insurance policy, health insurance company, full insurance: Hi Lisa- If I understand you correctly, your health insurance company in Oregon is trying to get back the medical expenses they incurred as a result of the accident. That health insurance policy does give them the right to recover in this type of situation....

Insurance Law: Property Damage from Car accident, home owners insurance, civil court
home owners insurance, civil court, retaining wall: Hi Beth- Liability follows the ownership of the vehicle, not the driver. You will need to file against them in small claims or civil court. The judge may not accept their story that the sister of the owner took the car without permission. Often family...

Insurance Law: please help, state attorney general, dept of consumer affairs
state attorney general, dept of consumer affairs, better business bureau: Hi Juan, you should send a letter of complaint to your State Insurance Dept. outlining all of the facts of this matter via certified mail registered receipt requested with copies to that insurance company, the Better Business Bureau, the State Dept. of Consumer...

Insurance Law: pre-existing conditions/divorce, conditions divorce, cobra coverage
conditions divorce, cobra coverage, coverage booklet: Hi Diane, this is a real tough one. The first thing your brother must do is to obtain a copy of the insurance coverage booklet because it should have an area in it which spells out the rights a covered person might have for the continuance of coverage under...

Insurance Law: Rear-end Collision, collision insurance, uninsured driver
collision insurance, uninsured driver, garnishee: Hi Candace, first thing to do is obtain a copy of the police report for future use. The person you hit could sue everybody in a matter such as this but unless he lies and claims that you first hit him and then were subsequently hit in the rear and hit him...

Insurance Law: Rental car accident, own insurance, contract holder
own insurance, contract holder, rental contract: Hi Patricia, Yes, the first part of the statement is true.....since you rented the vehicle, you are responsible for it s actions. If you had not added your friend as a driver, everyone would have denied the claim because she was not a named driver and you...

Insurance Law: Rental car accident - who is responsible?, auto insurance policy, physical damages
auto insurance policy, physical damages, contract holder: Hi Patricia- The person who signed the contract is the one personally liable for all damages. If you didn t purchase the liability and physical damages coverages offered, then you are liable for them. If you have your own auto insurance policy, then you...

Insurance Law: Stolen & Wrecked Vehicle, wrecked vehicle, intoxicated state
wrecked vehicle, intoxicated state, intoxicated driver: Hi Stan, in my opinion you are going after the wrong entity in attempting to appeal this decision on the part of the insurance company. What you should do is to bite the bullet and pay the claims against you and then seek civil redress against this relative....

Insurance Law: speeding ticket, speed traps, corn field
speed traps, corn field, radar gun: Hi Teri, if the posted speed limit at the stretch of road where you passed the other vehicle was 35MPH then obviously you had to be going significantly faster at that time and thus the radar gun picked that up. Roads such as the one you are discribing are...

Insurance Law: storm damage from a tree, act of god, florida room
act of god, florida room, storm damage: Hi Ken- Unless your neighbor can prove that the tree was dead, and that you were negligent in not having it taken down before the storm, the loss is considered to be an Act of God, and his homeowners insurance would respond. It would be the same if his healthy...

Insurance Law: Got T Boned with no insurace, small claims court, own insurance
small claims court, own insurance, insurace: Hi Ruben C., the fault for such an accident almost always lies on the shoulders of the left turning driver but in this case, depending upon what the witness actually told the other driver s insurance company, I feel that they should pay anywhere from 25-50%...

Insurance Law: Taxis in NJ, fault coverage, insurance policy
fault coverage, insurance policy, home insurance: Hi Gee, the last time I had any dealings with N.J. no-fault laws ALL vehicles were required to carry it. The coverage would lie with the passenger s home insurance policy but if they did not have an insured vehicle in their household then they would have...

Insurance Law: tree fell on my car, physical damage coverage, auto insurance company
physical damage coverage, auto insurance company, small claims court: Hi Alissa- If you have pictures showing the tree was very rotten, then you possibly have some recourse from the homeowner. You may want to contact the electric company that owned the power lines, and talk to their legal department to see whether they are...

Insurance Law: Value of recent repairs on salvage claim, kelly blue book, buick skyhawk
kelly blue book, buick skyhawk, engine radiator: Hi Will, the only way that you could legally assert a claim for more money here would be if the vehicle was considered to be a classic or vintage one. Short of actually suing the other driver in small claims court for the cost of a replacement vehicle in...

Insurance Law: Accident with a parked car, hi doug, owner driver
hi doug, owner driver, traffic law: Hi Doug, this is a property damage claim pure and simple. The owner/driver of the vehicle that damaged your vehicle is negligent and their insurance company will be stuck with payment for your damages. This is simply property law. Further, she is responsible...

Insurance Law: AIG, disability payments, mail box
disability payments, mail box, insurance dept: Hi Sharon, this is indeed a troubling time for people whom are receiving insurance benefits or other payments from AIG but do not fear. Most States if not all have a fund that taxes insurance companies which is for paying out on claims that were the responsibility...

Insurance Law: accident 07-12-07, l4 l5, nerve damage
l4 l5, nerve damage, epidurals: Hi Tayla, first allow me to express my sympathies for your unfortunate injuries and the pain and suffering that you have endured and most likely will continue to endure in the future. The irresponsible woman s insurance company is only liable to pay out the...

Insurance Law: accident no insurance, tort liability, michigian
tort liability, michigian, insurance question: Hi Jennifer, About eleven states are no-fault and each one has a totally different plan which keeps changing almost every year. My entire career has been spent in tort liability states. I don t have enough knowledge of Michigan s plan to provide you any...

Insurance Law: accident in parents car, parents name, citation
parents name, citation, damages: Hi Megan- It sounds to me like there are two things going on here. If he got a citation for operating without a license and or insurance, it s possible that the state could cite the driver with paying the damages before they can get their license back. ...

Insurance Law: auto accident, personal damages, oregon laws
personal damages, oregon laws, second car: Hi Frances- I m not an attorney, nor am I from Oregon, so I can t advise you specifically. I do know it s more difficult to recover when you don t have the insurance company behind you, to deal with the insurance company of the vehicle that his you. Hopefully...

Insurance Law: auto accident with uninsured motorist, traumatic stress disorder, motor vehicle accident
traumatic stress disorder, motor vehicle accident, uninsured motorist coverage: Hi again Michelle, depending upon what the prognosis is for your daughter s recovery I would advise that you retain the services of an Attorney. If her Dr. says that this will clear up in a relatively short period of time then go on as you have been. Continue...

Insurance Law: auto insurance for 18yr old in college, own a car, massachusettes
own a car, massachusettes, attending college: Hi Robin- I would recommend contacting your insurance company, and provide proof that she is attending college in Massachusettes, and will not be driving any of your owned vehicles there. The can usually find a way to keep her on the policy for a lower premium....

Insurance Law: auto loss, salvage company, salvage yard
salvage company, salvage yard, storage fees: Hi Glenda, I am going to need a lot more info here. You should have had the title to the vehicle in your possession with the finance company listed as a lienholder on it. How did the salvage company sell a vehicle without having the title to give to the...

Insurance Law: auto Theft, repair estimates, cars road
repair estimates, cars road, mechanical damage: Hi Richard, unless the repair estimates are for a greater amount of money than the vehicle is worth this changes the entire complexion of your claim. You have the right to have the vehicle examined and repaired as long as it is for less than the book value...

Insurance Law: Brand New Car Accident, physical damage coverage, brand new car
physical damage coverage, brand new car, hi lauren: Hi Lauren- If you traded in your old car for this new car, and had physical damage coverage on the old car, you would have coverage for the new one. If you purchased the car and didn t have insurance your old car though, you will have to deal with your sister...

Insurance Law: Broken arm, attractive nuisance, absolute liability
attractive nuisance, absolute liability, broken arm: Hi Michael- You may want to consult with an attorney, who can research what laws apply to negligence in your state regarding trampolines. They are generally considered an attractive nuisance, and you may be able to recover any additional medical expenses...

Insurance Law: backing out of a parking space, small claims court, collision insurance
small claims court, collision insurance, collision coverage: Hi Hollie, if you were in the moving lane of traffic then the other driver is 100% at fault in causing the accident. That cop must have been drinking! File your claim with the other person s insurance company and if you have collision insurance then with...

Insurance Law: Do we have to do bank draft payment?, life insurance agent, automatic withdrawals
life insurance agent, automatic withdrawals, bouncing checks: Hi Amelia- I would suggest talking to a different life insurance agent. The agent and insurance company prefer automatic draft, because it tends to keep the policy in effect. It s also less expensive than manually processing your check. In fact, most companies...

Insurance Law: California Law that chArges a fee to cancel your auto insurance, auto insurance policy, cancellation provisions
auto insurance policy, cancellation provisions, cancellation fee: Hi Kendra- I m not from California, but I can t say that I ve heard of a fee required to cancel your insurance. I do know that they will have to cancel your insurance filing with the state. You may have to look at the fine print of your auto policy, and...

Insurance Law: Car Accident, insurance agent, insurance company
insurance agent, insurance company, license plate: Hi Sarah, my advice is to do as he says up to the part about sending anything to either the other insurance company or the other party until you hear from them if ever. Why look for a war before one comes around. Remember the old quote, the best war is...

Insurance Law: Car Rental Liability, rental car company, civil lawsuits
rental car company, civil lawsuits, alcohol drugs: Hi again Richard. Allow me to preface my answer by explaining to you that this is an all volunteer service which offers advice. We do not get paid and only very rarely do we research topics and do homework questions for moot purposes. Thus there is no need...

Insurance Law: My Car was stolen, tow fee, physical damage coverages
tow fee, physical damage coverages, coworker: Hi Robert- You re stuck tryng to sue the thief, and his parents for your damages, and you can have the damages made part of the restitution of the thief in court. The other way to do it would have been to purchase physical damage coverages on your insurance....

Insurance Law: A Car Wreck, mandatory insurance, hi mike
mandatory insurance, hi mike, car wreck: Hi Mike- Since your mother is the owner, she will have to contact the insurance company of the other vehicle, and make a claim with them for the damage to the vehicle. If your state has mandatory insurance, it is possible that you could get a ticket for...

Insurance Law: Comprehensive Coverage - Auto Theft, sensible course, auto policy
sensible course, auto policy, vehicle id: Hi George, I doubt that you will prevail. If the locks weren t damaged, the auto policy will not respond. If you haven t already replaced the locks, you might try calling the dealership that handles your car. They might have a way from the Vehicle ID #...

Insurance Law: Coverage for water in basement, flood insurance, personal belongings
flood insurance, personal belongings, insurance rules: Hi Tim- You likely do not have coverage for this. This is considered to be Seepage, which is considered to be a maintenance issue, and not sudden and accidental, such as a water heater breaking down, or frozen pipes. Flood is excluded from the homeowners...

Insurance Law: car accident, forward motion, insurance agent
forward motion, insurance agent, insurance company: Hi Sarah- Accidents that occur when backing up are generally considered to be the fault of the person backing up. That is because backing up is a unnatural motion of the vehicle, and requires more care that when you are travelling in a forward motion. Some...

Insurance Law: car accident while backing out from a parking spot, honda accord, parking space
honda accord, parking space, car accident: Hi Autumn- Usually, backing out accidents are considered to be the fault of the person backing up, however you may have some negligence removed due to the nature and extent of the damage, which could well indicate that the other party was traveling at an...

Insurance Law: car ins/ rental coverage, small claims court, rental coverage
small claims court, rental coverage, own insurance: Hi Lisa, have you contacted your own insurance company yet? You may have better rental car coverage but I doubt that it would be any more than $50/day at best. You have the option of renting a car, receiving the $22/day from the at-fault person s insurance...

Insurance Law: car insurance, car insurance, damages
car insurance, damages, insurance: Hi Mark- If the car isn t a total loss, I don t see any way that you can refuse to take the car back. Usually they will have it repaired at the shop that gives the lowest estimate. You can ask them to have it repaired at the shop of your choice, but if...

Insurance Law: carpet issues and depreciation, toilet flapper, ho5
toilet flapper, ho5, liability issue: Hi John- I don t see that they will pay for what is not damaged. You could try contacting your state s insurance department, and make a complaint, but they will likely agree that the insurance company is not liable for replacing the carpet in the area so...

Insurance Law: chain reaction accident in texas, new insurance, chain reaction
new insurance, chain reaction, first contact: Hi Andrea, if the guy who hit your son made the first contact in the chain collision then he should be at fault. Your son will, however, be subject to being named in any actions arising out of this mess. If your son hit someone first and then was hit in...

Insurance Law: condo water damage, coverage section, ac unit
coverage section, ac unit, insurance policy: Hi Melinda, the answer to this lies within the coverage section of your insurance policy and also in its exclusions. The entire matter is moot because your insurance has the duty to represent and defend you in matters such as this just the same way as your...

Insurance Law: Deceased Mom Homeowner Policy, hi mary, home furniture
hi mary, home furniture, farm bureau: Hi Mary- So sorry about the loss of your mom. The coverage on the house & contents will not change unless the house is vacant. Contact the agent, and let them know she passed, and let them know you will be staying at the house 3 nights a week, and will...

Insurance Law: Driving Uninsured Vehicle, insurance broker, criminal offense
insurance broker, criminal offense, criminal attorney: Hi Raul, this question would be best answered by either a criminal Attorney or by the MA. DMV because they know the possible penalties you might be looking at. I do not think that this should result in a criminal record or any jail time but it might result...

Insurance Law: ESURANCE AUTO POLICY, auto insurance company, property damages
auto insurance company, property damages, medpay: Hi Rosemarie, any auto insurance company can and will refuse to handle and pay out on claims made against you and your husband on the grounds of breach of insurance contract . If you read your old insurance policy there is specific language in it wherein...

Insurance Law: errors and omissions, state farm insurance, proper documentation
state farm insurance, proper documentation, state farm agent: Hi Julie, If you secured written appraisals of all your jewelry and gave a copy to your State Farm agent to add the jewelry to the policy, you would still have your copy of the appraisal plus copies of the documents that State Farm used to add the jewelry...

Insurance Law: Filing against neighbor's homeowners ins, health insurance company, insurance department
health insurance company, insurance department, group insurance: Hi Jessica- How this type of thing is usually handled is that the health insurance company s attorney s file a claim against the homeowner where the injury occurred. I ve not heard of them being able to deny a claim, and requiring you to file the lawsuit...

Insurance Law: Friend wrecked my car, small claims court, kelly blue book
small claims court, kelly blue book, edkins: Hi Taylor, the only remedy here is to sue both Kyle and Ashton in small claims court. Kyle is in the case because the vehicle was in his possession at the time of this event and thus he must bear at least 1/2 of the responsibility for it and the damages that...

Insurance Law: Car Rental Liability, vehicle operator, minimum liability
Insurance Law: Car Rental Liability, vehicle operator, minimum liability, liability insurance

Insurance Law: carpet issues and depreciation, doorways, ladder
Insurance Law: carpet issues and depreciation, doorways, ladder, carpet

Insurance Law: Household drivers, insurance company, reinstatement
Insurance Law: Household drivers, insurance company, reinstatement, endorsement

Insurance Law: hail claim, insurance company, siding
Insurance Law: hail claim, insurance company, siding, insurance

Insurance Law: home damaged by ike hurricane, galleria area, policy coverage
Insurance Law: home damaged by ike hurricane, galleria area, policy coverage, insurance company

Insurance Law: MVA Insurance Lapse, Default, md mva, maryland dmv
Insurance Law: MVA Insurance Lapse, Default, md mva, maryland dmv, scam report

Insurance Law: property damage caused by neighbor"s tree, mobile home park, home park
Insurance Law: property damage caused by neighbor"s tree, mobile home park, home park, landlord

Insurance Law: Roof wind damage claim, insurance companies, good job
Insurance Law: Roof wind damage claim, insurance companies, good job, depreciation

Insurance Law: rental car insurance by credit card company, collision coverage, ldw
Insurance Law: rental car insurance by credit card company, collision coverage, ldw, bad news

Insurance Law: Spin out, then hit from behind. At fault?, sudden emergency, stunt driver
Insurance Law: Spin out, then hit from behind. At fault?, sudden emergency, stunt driver, department of insurance

Insurance Law: fender bender, fender bender, report thanks
fender bender, report thanks, police report: Hi Pam, I wouldn t be too nervous about this event if I were you. There is absolutely no law that says that a person canot file a claim without having a police report though. I have the feeling that the person who was hit will not want to make anything of...

Insurance Law: financial responsibility, spanish fork utah, mandatory insurance
spanish fork utah, mandatory insurance, insurance payment: Hi Jeffrey- If your state has a mandatory insurance law, and you were operating a vehicle without insurance, you could receive a citation for it. The owner of the vehicle would be held liable for the damage, but you would have to pay for the ticket. That...

Insurance Law: fraudulent insurance claim?, fraudulent insurance claim, paint job
fraudulent insurance claim, paint job, alledgedly: Hi Deb, Yes, it is illegal to file a fraudulent claim against an insurance policy. It is also normal that the insurance company will inspect the car and compare the estimate against the damages before issuing a check. With this safeguard in effect,...

Insurance Law: garaged car damaged in house fire, chevy show, satisfactory answer
chevy show, satisfactory answer, homeowner insurance: Hi Kevin, you should file a claim with both homeowner insurance companies and if you do not get a satisfactory answer then institute a lawsuit in small claims against them both. Unfortunately you will have to name both your brother and the next door homeowner...

Insurance Law: HIT BY UNINSURED MOTORIST, small claims court, camary
small claims court, camary, uninsured motorist: Hi Debra- You will need to get estimates on the damage to the vehicle, and what the vehicles actual cash value were at the time of the accident. Also obtain a copy of the police report. You will have to file a claim against him in small claims court, or...

Insurance Law: Hit a parked truck, box trucks, steel bumper
box trucks, steel bumper, side ways: Hi Joshua- I m not an attorney, so I can t state what laws could apply in the state that you live in regarding negligence in accidents with illegally parked vehicles. You are generally still considered to be negligent and responsible for the damage, as you...

Insurance Law: Homeowners Insurance Nightmare, reinstatement letter, mortgage escrow
reinstatement letter, mortgage escrow, escrow holder: Hi Trevor- Without seeing all the paperwork, I can t say for certain, however it sounds to me like this may be a claim for the agent s Errors & Omissions policy. You did receive a cancellation notice however, so unless you had a reinstatement letter, or...

Insurance Law: Horse Accident, policy expiration, insurance department
policy expiration, insurance department, business practice: Hi Peter- It s hard to say what the status of your policy is. It would depend on what the actual policy expiration date is. For example, if the expiration date was 8/25, and you didn t pay until the 29th, general business practice is to rewrite the policy...

Insurance Law: House sale and claim, hail damage, insurance department
hail damage, insurance department, house sale: Hi Lillian- If you weren t the legal owner of the home at the time the repairs were done, then you haven t actually suffered a loss from the actual cash value of the roof vs the replacement cost. You could check with your state s insurance department to...

Insurance Law: Household drivers, auto insurance policy, automatic coverage
auto insurance policy, automatic coverage, own insurance: Hi Linda- You will need to get a copy of your son s auto insurance policy, showing that he has his own vehicle and coverage in effect. Then, they should reinstate the policy. If they don t, you might consider making an insurance department complaint. ...

Insurance Law: hail claim, hail storm, vinyl siding
hail storm, vinyl siding, financial losses: Hi Dan- The policy only requires that they pay for the actual damage caused by the hail. It won t pay for other financial losses to undamaged areas due to obsolescence. You might ask whether the insurance company can get you a discount on the remaining siding....

Insurance Law: home damaged by ike hurricane, condo policy, catastrophic nature
condo policy, catastrophic nature, condo insurance: Hi Donald- I can t say for certain how they would handle it, but it would seem likely due to the catastrophic nature of the storm, the Association s policy would pay for the roof; your neighbor s policy would pay for their damage, and your condo policy would...

Insurance Law: homeowner property insurance lapse, notice of cancellation, insurance payment
notice of cancellation, insurance payment, insurance department: Hi Christine- You probably have a very good base for a complaint with your state s insurance department. Since they cashed your check and kept it for 6 weeks, you were unaware that you didn t have coverage. Standard procedure would have been for them to...

Insurance Law: hurricane Ike -owner occupant policies & for sale property, owner occupant, state attorney general
owner occupant, state attorney general, dept of consumer affairs: Hi Sammy, this sounds like a B.S. excuse by the insurance company to get out of paying the claim! Why would anyone still be in the trailer when Ike hit when everyone was told that they must evacuate? Find out if others are in the same boat and file a joint...

Insurance Law: INSURANCE THEFT POLOCY, santa clara police, acting agents
santa clara police, acting agents, false pretences: Hi Tim- Wow, what a bizarre situation. It doesn t meet the definition of theft, because it s known where the property is. The only thing I can suggest is to get an attorney, see what they recommend. It certainly seems criminal to me. Here is link to...

Insurance Law: Insurance Coverage, liability problems, auto accident
liability problems, auto accident, insurance coverage: Hi Marlene, this would depend upon the degree of impairment your daughter would be under due to the short cast. I am sure that if her Dr. were to write a note clearing her to operate the vehicle it would cover her if she had any problem with her insurance...

Insurance Law: Insurance Lapse, driving without insurance, proper verification
driving without insurance, proper verification, auto carrier: Hi Tiffaney- I m afraid you may need an attorney on this, to deal with the fine, unless your auto carrier will allow you to have them inspect your vehicle and motor vehicle records for any accidents that could have occurred with your new car, and allow the...

Insurance Law: insurance claim, licensed mechanic, frame alignment
licensed mechanic, frame alignment, breach of contract: Hi John, you are going to have to dredge up all of the records pertaining to the 2006 accident and subsequent repairs and then obtain a written report by a fully licensed mechanic which details all of the current problems with the vehicle and relates them...

Insurance Law: investigation on my insurance, insurance fraud, hi chris
insurance fraud, hi chris, criminal act: Hi Chris- The insurance company will investigate this closely, to determine the time you actually started the policy as compared to when the loss occurred. It sounds fishy even to me, frankly. Insurance Fraud is a criminal act, and often a felony. Usually...

Insurance Law: leak in my garage roof from roof of 3 year old home, jack of all trades, garage roof
jack of all trades, garage roof, homeowners insurance: Hi Madalyn- My suggestion would be to let them try to repair the leak first, before making a claim on your homeowners insurance. That could impact your rate, plus you d have to pay a deductible, if they found that the leak was covered under the policy. ...

Insurance Law: Maryland MVA - another recipient of "Insurance Lapse" notice, class action suits, maryland mva
class action suits, maryland mva, new computer system: Hi Vadim, no this is no scam. If you look at the many past questions I have answered on this topic you will see all of the horror stories. My opinion is that Maryland put in some new computer system and somehow the info was not entered in correctly or the...

Insurance Law: Mercury lapse in coverage (1 day), personal recollection, previous question
personal recollection, previous question, insurance company: Hi Lisa, since you did not attach this as a follow-up to a previous question {which I am assuming to be the case} I have no personal recollection of what the original problem or question was and thus I cannot give you an answer as it now stands. Did you remit...

Insurance Law: Mercury lapse in coverage (1 day), auto insur, insurance co
auto insur, insurance co, grace period: Hi Lisa, since Mercury is investigating this matter and you have not indicated that they have officially denied your son s claim as of yet I suggest that you adopt a wait and see attitude. You can look into your insurance policy to see if there was a grace...

Insurance Law: Multi car accident, max limit, own insurance
max limit, own insurance, car pile: Hi Amanda- That is a good question. My suggestion would be to get on the phone with the other parties insurance company, and provide them photos and estimates of the damage asap. Since you have a four month old daughter who could have been injured in the...

Insurance Law: MVA Insurance Lapse, Default, maryland attorney general, maryland dmv
maryland attorney general, maryland dmv, new computer system: Hi Ryan, there isn t a week that goes by without my receiving a question regarding this Maryland DMV mess. Please see all of my past answers as a guide. I suggest that in the second case you should get proofs of insurance coverage from the new Ohio company...

Insurance Law: WE NEED ADVICE CAR ACCIDENT/INSURANCE, america insurance company, assurance america insurance company
america insurance company, assurance america insurance company, intersection 2: Hi Lizette, Since it appears that there was no insurance on the vehicle at the time of the accident, The driver and owner will be jointly liable to pay for all repairs and any injuries. Usually, a monthly payment agreement can be arranged with the adverse...

Insurance Law: Neighbors Trees, real jerk, rements
real jerk, rements, wind storm: Hi Katherine, one way or the other you are going to have to pay for the removal of those trees or face a possible ticket by the City. You can sue the neighbor for the bill or merely go through his insurance company. The deductible on his property insurance...

Insurance Law: NY state disability insurance, state disability insurance, disability coverage
state disability insurance, disability coverage, public libraries: Hi Rosalina, to the best of my recollection both New York State and New York City are exempt from mandatory temporary disability coverage by law. They do give their employees far more sick and annual leave benefits though and of course full Worker s Compensation...

Insurance Law: Ohio Storm Damage, worst case scenario, storage insurance
worst case scenario, storage insurance, act of god: Hi Daryl- Unless the tree was clearly dead, and a hazard that should have been removed, (and you can get that proven in court), your neighbor is correct- he is not liable for the damage caused by a falling tree. It s considered an Act of God. You may want...

Insurance Law: Overpayment on Unemployment, employment security commission, garnishment proceedings
employment security commission, garnishment proceedings, benefit period: Hi Annette, yes this is something to be concerned about. I personally witnessed a scenario like this at one of the law offices I was employed at and it wasn t very pretty. I suggest that you call them and arrange for some type of repayment schedule at once...

Insurance Law: Parking Lot in Texas, space constraints, point of impact
space constraints, point of impact, slow speed: Hi Brandon, as I am envisioning this event I can understand why the insurance companies would declare this as being an unavoidable accident given the space constraints of this small parking lot and moving lane of one-way traffic. On the one hand you were in...

Insurance Law: Parking lot fender bender, parking lot accidents, fender bender
parking lot accidents, fender bender, claim adjuster: Hi Tom- Usually the person backing up is considered to be negligent in the accident, so most likely her insurance company will end up paying for the damage. There could be laws that apply in your state that allocate damage in parking lot accidents differently....

Insurance Law: Pavement accident, minor scratches, lamp post
minor scratches, lamp post, parking space: Hi John, I am not sure who Benny is but my opinion on your question is yes, the insurance should cover this event just as they would if you had driven the bike into a storefront. The bike was still to be considered as causing the damage under use and operation...

Insurance Law: parking lot accident, parking lot accidents, parking lot accident
parking lot accidents, parking lot accident, alberta canada: Hi Brian- I m not from Canada, so I can t say for certain how they allocate fault in parking lot accidents. It can vary here in the states. Usually, the majority if not all of the negligence is allocated to the person backing up. If you have insurance,...

Insurance Law: police, insurance question, resisting arrest
insurance question, resisting arrest, joshua: Hi Joshua- This really isn t an insurance question. This is something that you would want to take up with your parents, and perhaps an attorney, provided there are witnesses to confirm that you weren t resisting arrest. Sorry I can t be of more help to...

Insurance Law: property damage caused by neighbor"s tree, mobile home insurance, mobile home park
mobile home insurance, mobile home park, act of god: Hi Thomas- Limbs falling from trees are considered to be an Act of God, unless you can prove that your neighbor s tree is completly dead, and should have been removed. Your mobile home insurance would pay for damages, subject to your deductible. Hope this...

Insurance Law: Rear end colission, Ca who is at fault?, unforeseen incident, car lengths
unforeseen incident, car lengths, irregardless: Hi Christina, Under California Law you are required to operate your vehicle in such a manner as to be able to stope irregardless of whatever unforeseen incident on the roadway ahead. The fact that she stopped short was her responsibility under California...

Insurance Law: Roof wind damage claim, depreciation rate, wood shingles
depreciation rate, wood shingles, steep roof: Hi Jennifer- They should not be able to depreciate the labor for the damage that was caused, but this isn t an area of my expertise. I can say that a roof that has three layers is due to maintenence (a complete roof tear off) that the homeowners policy...

Insurance Law: recovered proberty, insurence company, ethical dilemna
insurence company, ethical dilemna, letter of explanation: Hi Susan, what you are stuck with is a moral and ethical dilemna. I think that the best thing that you can do is to sell the replacement trailer and then remit the money that you receive for it back to the insurance company along with a letter of explanation....

Insurance Law: rental car insurance by credit card company, personal auto insurance, rental car insurance
personal auto insurance, rental car insurance, steering wheel: Hi Zhiging, I have never heard of a credit card company paying $50,000 for property damage to a rental car. Are you sure that it doesn t merely pay for your injuries if any? Are you sure that the monies aren t for additional protection over and above your...

Insurance Law: renting a car with no personal insurance, legal coverage, car contract
legal coverage, car contract, car place: Hi Rubella- There are two types of coverages that you were offered. CDW/LDW pays for damages to the rental car. Additional Liability Insurance is what you declined to purchase. Unfortunately, the nature of the rental car contract generally states that you...

Insurance Law: Spin out, then hit from behind. At fault?, chp officer, impact damage
chp officer, impact damage, lane 1: Hi Marissa- These types of claims can be very difficult to get the liability for it off of yourself. Since the driver who s unsafe action caused the accident hasn t been identified, it comes under the category of a phantom / imaginary vehicle, and unfortunately,...

Insurance Law: Stolen Van, stolen van, insurance company
stolen van, insurance company, gypsies: Hi Antony- I can t say for certain how such things work in Britain, but in the US, if the claim hadn t been completely settled, then the vehicle, if recovered, is still yours. You can put in a claim for any damage that occurred, but it is still owned by...

Insurance Law: Can we sue our condo for our stolen bike?, small claims court, surveillance cameras
small claims court, surveillance cameras, own insurance: Hi Bianca, if the condo s insurance had coverage for an event such this then you shouldn t even have to sue them but merely present a claim. If you were required to have your own insurance on the unit then you should present a claim to them. If neither is...

Insurance Law: TREE, own insurance, patio furniture
own insurance, patio furniture, high winds: Hi Tony, the answer to this question is best resolved by reading your own insurance policy because responsibility for events such as this can differ as per the different State laws of insurance. Generally speaking it is the owner of the property in which...

Insurance Law: Tree Damage, rental dwelling, dwelling coverage
rental dwelling, dwelling coverage, dead limbs: Hi Mark- There is no requirement for a landlord to carry Rental Dwelling coverage on the building. Most do, to protect their investment. It isn t the tenant s responsibility to cut the tree down, it s the property owner. You may want to contact your town...

Insurance Law: Tree Limb fell on car, small claims court, neibor
small claims court, neibor, dead limbs: Hi Vince, If the limbs that fell on your car were live, this would be considered an act of god from the storm. If the fallen limbs were dead, you have a claim against the landlord and his insurance. You may have to take the landlord to small claims court...

Insurance Law: Getting a total loss, hi aaron, deductibles
hi aaron, deductibles, best interest: Hi Aaron- They are correct, in that it would have to be one incident that totals out the vehicle. It would seem in their best interest though to total it out, so they will have to pay for repairing the vehicle for the two losses, and you will have to pay...

Insurance Law: tree liabilty, hamilton county ohio, small claims court
hamilton county ohio, small claims court, property insurance: Hi Rick, that Ike was some storm wasn t it? Yours is the second one today relative to tree damage in Ohio. The tree is your neighbors responsibility and a claim agsinst his property insurance company should be made by all people who had his tree land on...

Insurance Law: left turn accident, oncoming traffic, left turn
oncoming traffic, left turn, police report: Hi Daniel- You re considered to be at fault in this accident, due to the failure to yield the right of way to oncoming traffic. The other driver isn t required to slow down to allow you to make your turn. You re to wait until the roadway is clear before...

Insurance Law: Unemployment benefits, random drug test, unemployment benefits
random drug test, unemployment benefits, nys dept of labor: Hi Beth, the applicant is entitled by law to have a hearing regarding his denial. He will most likely claim that there were other factors besides his drug test which caused him to be firing. Bring the test results and any type of documentation regarding...

Insurance Law: Unemployment Insurance, full time job, full time work
full time job, full time work, unemployment office: Hi again Josh, it doesn t work that way. You would not be entitled to any unemployment benefits except for the difference betwen the 24 hour/week wages and the rate that you were being paid at prior to taking the newer and less hours job. In other words...

Insurance Law: Uninsured, chain reation, other vehicles
chain reation, other vehicles, driving without insurance: Hi Amy- If the other driver drove off, they won t have any proof that you weren t at fault. If the other drivers saw it happen, or there were witnesses, you might possibly end up being considered not at fault. The big issue though is not having insurance...

Insurance Law: vehicle theft claim, kelly blue book, gap insurance
kelly blue book, gap insurance, edkins: Hi Danielle, it would not have mattered even if you caused the vehicle to be totalled out. Insurance companies always pay for the book value of the vehicle if the repairs are greater than the vehicle is worth. You can check out the value of the vehicle at...

Insurance Law: water damage, condo policy, water damage
condo policy, water damage, leaking air conditioner: Hi Ron- The association would be best to consult their attorney or it s insurance company to confirm that this type of loss is the unit owners responsibility. I believe your by laws may make it clear that it is the leaking air conditioner owner s negligence,...

Insurance Law: Accident, no insurance, rental car, rental car company, collision shop
rental car company, collision shop, criminal proceedings: Hi Raj, frankly I am astonished that the rental car company did not ask you for your insurance information before allowing you to rent the car! No matter. You signed the rental car agreement which reads that you are responsible not only for the damages but...

Insurance Law: Auto betterment, insurance department, betterment
insurance department, betterment, mail: Hi Omar- I can understand somewhat a charge for betterment, because you obtained an engine head with no miles on it, but $1200 seems extreme. What you may have to do is to make an insurance department complaint, and have them investigate. $1200 seems an...

Insurance Law: Auto Claim Question, insurance reform act, lake tahoe area
insurance reform act, lake tahoe area, toyota highlander: Hi Mary, I m sorry to learn of your minor (but possibly expensive) accident. You may recall that in 1989 the voters of California passed proposition 103, an insurance reform act. The authors of proposition 103 wrote it with the intent of forcing insurance...

Insurance Law: antique vehc insurance, auto insurer, old ford
auto insurer, old ford, that fits your need: Hi William, I guess it would be great if I could snap my fingers ang give you the name of the cheapest antique auto insurer. If such a company existed, I wouldn t have to tell you it s name..... everyone with an antique car would have their insurance there....

Insurance Law: auto insurance, room mate, insurance question
room mate, insurance question, unlicensed person: Hi Stuart, Thanks for rewording the question. Under the situation that you describe, an accident that you might have can not be denied because you didn t update the list of people in your household over age 15. A claim could only be denied if one of those...

Insurance Law: auto insurance, househould, insurance application
househould, insurance application, insurance department: Hi Stuart- If you misrepresented yourself when you applied for the insurance, it is possible they could deny the claim if that driver was the accident, but it would be a stretch for them to deny the claim if that person wasn t driving in the accident. That...

Insurance Law: auto insurance lapse, maryland mva, dmv computer
maryland mva, dmv computer, state of maryland: Hi Dawn, unless you had proof that you either moved out of the State of Maryland or had a replacement insurance in effect for the time you were allegedly without insurance I am afraid that in your case, unlike the numerous others I have attempted to deal with,...

Insurance Law: Car accident in Texas, free initial evaluation, ambulance chaser
free initial evaluation, ambulance chaser, personal injury attorney: Hi again Rene, allow me to start out by saying that all of my experience in negligence law was in N.Y. and I am not familiar with Texas law and how it works. However, I strongly feel that if your present Attorney has told you that if you do not settle for...

Insurance Law: car, 2000 dodge intrepid, proper settlement
2000 dodge intrepid, proper settlement, dodge intrepid: Hi Candy, Your car has a different value in different parts of the country. Allstate will hire an independent company to do a computer search within a 25-50 mile radius for cars like yours in similar condition. They will find 10 or more and then make...

Insurance Law: car accident, small claims court, salvage value
small claims court, salvage value, current market value: Hi Dennis- What the other insurance company will do is to determine the current market value of the car, and if the cost to repair the car is more than usually about 50%, they will consider the car a total loss. Then, they usually offer either to take the...

Insurance Law: Depreciation of Property Damage Caused by Auto, owners insurance company, automobile owners
owners insurance company, automobile owners, electrical wires: Hi Joe, I am afraid that you aren t going to get much more than the siding replaced on the damaged side of the house at the depreciated value. Most insurance policies only cover as near as possible for the age of the damaged area or part of the automobile...

Insurance Law: Determining Fault in a Car Accident, small claims court, independent witness
small claims court, independent witness, collision insurance: Hi again Sally, if you carry collision insurance then the easiest way would be to let your insurance company pay for your damages and go after the at-fault driver s insurance company for reimbursement. If they obtain all of the money for the repairs then...

Insurance Law: Disability/Unemployment/Disability Benefits,, stem cell transplant, disability discrimination
stem cell transplant, disability discrimination, sinus infection: Hi Doug, allow me to express my deepest sympathies for the ills that have befallen you. My advice to you is to file for disability with any and all agencies and insurance companies as you can including SSD. You should also file with unemployment insurance...

Insurance Law: Disabilty insurance law, income tax purposes, state disability
income tax purposes, state disability, daytime job: Hi Gabriel, I think that you already know the answer to the question but are looking for someone to justify what you would like to do. Once you begin working, even at a less physical job, you would no langer be considered as being disabled from work. As...

Insurance Law: Double parking - broken mirror, us immigration department, broken mirror
us immigration department, broken mirror, side mirror: Hi Aurelien, welcome the the good old U.S. of A. The best advice I can give you in this situation is to attempt to settle with the owner of the damaged vehicle. If that doesn t work then I strongly suggest that you inform the owner of the vehicle you were...

Insurance Law: dead tree damage, arborist, strong winds
arborist, strong winds, insurance company: Hi Jenny- The insurance company will still pay the damage caused by the tree, but may require an inspection of other trees close to your house, to make certain that there aren t other trees that could cause a similar loss in the future. It would be a good...

Insurance Law: Effect of two minimal homeowner's claims, state insurance department, cable wiring
state insurance department, cable wiring, appx: Hi Carrie- It s hard to say how insurance companies are handling such things. You may want to make an inquiry to your State Insurance Department, to see whether they have instituted any non-renewal restrictions based on the types of losses you have had....

Insurance Law: Our insured vehicle damaged in collision. Our vehicle operated by uninsured driver., aaa, bmw
Insurance Law: Our insured vehicle damaged in collision. Our vehicle operated by uninsured driver., aaa, bmw, insurance

Insurance Law: first time ive been in a incident. Deductible/paint work., auto body shop, shades of color
auto body shop, shades of color, own insurance: Hi Jason, automobile rules and regulations vary from State to State but as a general rule you will be made whole either through your own insurance company or the other driver s insurance company or a combination of both, with your company paying for the...

Insurance Law: Guilty driver lying to police and insurance, collision insurance, insurance question
collision insurance, insurance question, voice mail: Hi again Galina, obtain a copy of the police report because the other driver would have had to produce his registration for the police officer and also his insurance information to prove ownership and insurance on his vehicle. Then do exactly what your insurance...

Insurance Law: Hit from behind.Who is to blame?, fortunatly, insurance companies
fortunatly, insurance companies, stephanie: Hi Stephanie, my opinion is that you should have filed a claim with both of the vehicle s insurance companies right from the start and that would have forced both insurance companies into action to decide upon liability right from the beginning. File with...

Insurance Law: Hit a parked car on my property, blind spot, stepson
blind spot, stepson, seeing things: Hi Shellie- The person backing up has a duty to make certain they are backing in a safe manner. There isn t a waiver for not seeing things in your blind spot. Since it was on private property, I doubt the police would have come, but from what you re telling...

Insurance Law: Hit and run question and failure to yeild ticket, snow pile, supplemental info
snow pile, supplemental info, quarter panel: Hi Josh, there is no question in my mind that the woman intended to leave the scene of the accident but since she was most likely still on the road when questioned by that trooper and returned to give her statement I do not see how a judge could cite her for...

Insurance Law: hit at bus stop, corporate veil, fleet operators
corporate veil, fleet operators, fleet owner: Hi Windy, yellow medallion cabs are only insured for $100/300,000 each per N.Y.S. insurance regulations. The problem of suing a medallion cab is that they are owned by fleet operators and each cab has a different corporation. In order the obtain any money...

Insurance Law: hit and run, collision damage, uninsured motorist
collision damage, uninsured motorist, insurance company: Hi Jonathan, as long as you had signalled your intentions to pull into the driveway the truck driver is at fault. Problem is you have no way of getting the insurance information because you did not get the plate number so your girlfriend will have to file...

Insurance Law: No insurance, stop sign, megan
stop sign, megan, negligence: Hi Megan- The other driver will be responsible for the damage to the bike and the injuries that they caused you son. Just because he let his insurance lapse doesn t absolve someone of liability for damages they cause others by their negligence. He may want...

Insurance Law: insurance and bankruptcy, current insurance company, intensive studies
current insurance company, intensive studies, insurance department: Hi Roy- Credit history is used by almost all insurance companies now as a rating factor, because they have found through very intensive studies that those that have negative credit have more losses. For auto insurance, that means that those with money problems...

Insurance Law: about insurance claim, own insurance, insurance claim
own insurance, insurance claim, police report: Hi Dinesh, if the police report reads that both drivers were at fault or that the accident was unavoidable then it is a fair evaluation that the accident was indeed a 50/50 liability. Why not call your own insurance company and find out if they are paying...

Insurance Law: Our insured vehicle damaged in collision. Our vehicle operated by uninsured driver., interinsurance exchange of the automobile club, california sr 22
interinsurance exchange of the automobile club, california sr 22, uninsured driver: Hi Steve, Thanks for the additional information. I forgot to ask if there was another vehicle involved or a police report made. My answer is a little long in order to cover those two possibilities. Since your daughter is excluded from your ACSC policy,...

Insurance Law: insurence claim, fire marshall, insurence company
fire marshall, insurence company, claim form: Hi Jennie, this is really two questions arising out of the same event and claim. The papers that the insurance company wants to have you sign are most likely a release of claim form. If you sign it, especially in front of a notary, that will be the end...

Insurance Law: Liability for auto when driven by someone else, vicarious liability, t student
vicarious liability, t student, insurance carrier: Hi Debbie, By following the steps as you outlined, you will be relieved of all responsibility while the son is driving his dad s car with one exception. If you specifically send the son on an errand and he has a severe accident, you can be sued since he...

Insurance Law: miraculous coincidence, auto mechanic, vw passat
auto mechanic, vw passat, vw dealership: Hi Darin, I am not an auto mechanic but it also sounds like a miraculous coincidence to me. Have you talked to the VW dealership or just accepting the word of the shop? If you haven t done so yet, I suggest that you talk to the dealer and get a full explanation...

Insurance Law: motorcycle accident claim question, motorcycle accident, coverage limit
motorcycle accident, coverage limit, accident lawyers: Hi Ruben, As I understand your question, you have been informed by your insurance company that the injured party or his attorney has submitted a demand for payment in excess of your policy limits of $15,000. Your company is legally obligated to inform you...

Insurance Law: My Parked Car was hit on my friends property, default judgement, small claims court
default judgement, small claims court, mandatory insurance: Hi Richard, the answer is YES to both questions. The damages to your vehicle were caused by the negligence of the driver who caused them and if your State has mandatory insurance laws you could be either fined or lose your driving priviledges. The only way...

Insurance Law: parked car incident in a parking lot, motor vehicle accident, personal injury protection
motor vehicle accident, personal injury protection, gut instinct: Hi again Michele, hanks for your feedback and the nomination. Be thankful that you had collision coverage on your policy because the most you will have to pay out of pocket will be the deductible. Hopefully the adjustor who gets assigned to your claim can...

Insurance Law: pedestrian accident, piercing the corporate veil, personal injury attorney
piercing the corporate veil, personal injury attorney, fleet owner: Hi Danny, in order to get to the fleet owner you are going to have to hire a Personal Injury Attorney who will be willing to take on the expensive and very tedious job of piercing the corporate veil so that he can get the corporate assets of the fleet owner...

Insurance Law: plpd requirments, country hope, property damage liability
country hope, property damage liability, bodily injury: Hi Scott- The minimum amounts are $10,000 per person for Bodily Injury to others, with a total of $20,000 per accident for those injuries you could cause to others. The minimum limit for damage to property (PD or Property Damage Liability) is $10,000. ...

Insurance Law: Renting a car after an accident, rental coverage, settlement check
rental coverage, settlement check, own insurance: Hi Rachel, in general the at-fault driver s insurance should be responsible for paying for the rental up to the coverage limits for amount per day and number of days. Whether or not your vehicle gets totalled or not you will only be entitled to such coverage...

Insurance Law: rear end accident, left turn signal, small claims court
left turn signal, small claims court, hi chris: Hi Chris, the only thing I can think of here is that you gave the insurance company too much information as you have given me. Why even mention that you made a left turn onto the main road before the impact when you say that you had driven 1000 feet before...

Insurance Law: reimbursements beyond damages after a fire caused by neighbor, cyprus trees, mature trees
cyprus trees, mature trees, hotel bill: Hi Taryn, I m sorry to learn of your loss to your trees and landscaping and know that you must feel devastated. Here in the west, we suffer similar losses due to wildfires and the sight is not pretty. If you were recovering from your own company, you would...

Insurance Law: Shopping cart damage/ Insurance witheld, damage insurance, windsheild
damage insurance, windsheild, homeowners insurance: Hi Rose- One thing you might try is looking up her phone number in a reverse directory. Hopefully it s a land line, and not a cell number. That way you d be able to get her last name. Caller ID might help too possibly to identify her last name. Since...

Insurance Law: Stolen Truck, model equipment, stolen truck
model equipment, stolen truck, dealer ads: Hi Ron, I m not sure if your question concerns both the truck and personal items and tools, so I will cover each. Remember when you purchased the truck? You wanted to buy it for the lowest possible price and the dealer, who was the seller, wanted to get...

Insurance Law: shopping cart hit my car, auto insurance info, small claims court
auto insurance info, small claims court, homeowners insurance: Hi Margaret- This is a good question. What you will probably have to do is to sue him in small claims court, at which point he will either either turn it over to his homeowners insurance, or pay the damages, provided you win. You will have to prove your...

Insurance Law: a state trooper hit my car, car question, collision coverage
car question, collision coverage, state trooper: Hi again Jonathan, now I see exactly what you are up against as I am sure you also know. It is the commonly called the Blue Wall . State Farm is taking the path of least resistance which is to let you dangle in the breeze rather than go after the lying...

Insurance Law: stolen car, professional insight, insurance problem
professional insight, insurance problem, storage fees: Hi Derrick, Normally the storage lot will not allow the owner to see the car until tow and storage fees are paid. In most states, the storage lot will file for authority to do a lien sale once they have held the car for 30 days. It may take up to 60 days...

Insurance Law: Is "sueing" my only option?, adjustor, replacement car
adjustor, replacement car, insurance company: Hi Michael, as far as your property damage is concerned the most you could obtain from the other driver s insutrance company is the book value of your vehicle. You should be entitled to whatever coverage the at-fault driver had for a rental vehicle as a seperate...

Insurance Law: Third party wrecked my vehicle, full coverage insurance, household
full coverage insurance, household, third party: Hi Anthony, Normally, the policy follows the vehicle and your own policy would pay for repairing your car. However, you state that your brother is not covered by your policy. Has he been EXCLUDED from your policy, or are you just assuming that he is not...

Insurance Law: traffic accident, highway traffic act, residential neighborhood
highway traffic act, residential neighborhood, insurance adjuster: Hi Michael, It would be impossible for any one person to memorize all the traffic laws in each of the 50 states. I have never heard of anything even remotely close to what your adjustor is stating and find it unbelievable that there could be a law making...

Insurance Law: tree limb damage to car, physical damage coverage, insurance landlord
physical damage coverage, insurance landlord, risk exposure: Hi Sherry- The landlord is not responsible for damage to your car. In order to cover that type of risk exposure, you would have to purchase auto insurance, and have purchased physical damage coverage for your car. By not purchasing that, you ve chosen to...

Insurance Law: Umbrella Insurance, personal injury attorney, hospitalization costs
personal injury attorney, hospitalization costs, umbrella insurance: Hello Jeff, Your own underinsured motorists coverage doesn t come into play until all policies held by the at fault driver are exhausted. The chain of payment will be primary auto policy, umbrella policy and then underinsured motorists. There are to many...

Insurance Law: Unemployment Insurance, state attorney general, unemployment insurance
state attorney general, unemployment insurance, unemployment benefits: Hi Taman, the first thing you should do is to check whether or not you received a W-2 form for tax purposes or a 1099 form. If you received a 1099 form then you were considered as being a consultant and not a salaried employee and thus were not covered for...

Insurance Law: unemployment/disability insurance, collecting unemployment, unemployment office
collecting unemployment, unemployment office, unemployment insurance: Hi Marie, certainly! If you have become disabled while on unemployment insurance then you should notify the unemployment office of that fact and they should put you on disability unemployment immediately. You are only entitled to unemployment insurance if...

Insurance Law: unlicensed driver, unlicensed driver, state of pennsylvania
unlicensed driver, state of pennsylvania, telephone pole: Hi Cindy- I can t answer as to PA specifically, but generally the owner of the vehicle is responsible for any damages caused by the vehicle, unless the vehicle was stolen. If no insurance was purchased by the owner, then they ve chosen to self insure for...

Insurance Law: Water Damage in Condo, damage mitigation, pipe leak
damage mitigation, pipe leak, pipe repair: Hi Marissa- I m not an attorney, but it seems to me that should pay to repair what was damaged. If you re looking for coverage for mold, the policy won t pay to prevent that. The best you can do there I believe is to have the area opened up and dried out...

Insurance Law: Accident, makind unprotected left after being staged in intersection and light turned yellow->red, california state law, traffic cameras
california state law, traffic cameras, lane 1: Hi Russell- Unless you can find a witness (the car who did stop) who will attest that the light was actually red when the other car when through, you would probably be considered at fault. You might check to see if there were traffic cameras. Sorry I can...

Insurance Law: ATV Insurance Problem/Question, bind coverage, visa payment
bind coverage, visa payment, insurance problem: Hi Cody- Here is the issue- your agent didn t bind coverage with the carrier, at the time you requested it. If your agent had binding authority to write the policy, and you can prove you sent him the email at 6:00PM, then coverage should have been or probably...

Insurance Law: accident with no license, motorists insurance, police report
motorists insurance, police report, insurance company: Hi Laura- I m not from PA, but usually it doesn t make a difference if the not at fault driver didn t have a license. You should make a claim through the other person s insurance. Know that your insurance company might find out that your husband isn t licensed,...

Insurance Law: accident in parking lot., oncoming traffic, quater
oncoming traffic, quater, mini van: Hi Kim- The person backing up has the responsibility to avoid oncoming traffic. If there was a witness to attest to the fact that he was operating at an unsafe speed for a parking lot, you might have a chance, but usually the person backing up is the one...

Insurance Law: accident on private property, kelley blue book, car repair shop
kelley blue book, car repair shop, kelley blue book value: Hi Adam- If his insurance company is telling him to take you to court (indicating that he has liability only, and no physical damage coverage on his policy), then it is up to him to cooperate, in order to try to collect from you. The question is what other...

Insurance Law: agent repermend, reinstatement fee, insurance board
reinstatement fee, insurance board, insurance payment: Hi Leroy- You should contact your state s insurance department, and make a written complaint. They will likely fine him, and could suspend his license. If you had had a loss, you would have been able to prove you paid the premium. I worked for an agent...

Insurance Law: alignment off due to having been towed, your car
your car: Hi Katie, What kind of help you are looking for exactly? From my understanding of your situation you could hardy prove the fault of the towing company. From their prospective your problem with alignment could have occurred anytime before or after they...

Insurance Law: boat dock/homeowners policy, homeowners policy, would make sense
homeowners policy, would make sense, quarter mile: Hi Debbie- As I understand it, this is something that can be covered under the homeowners policy, under Other Structures . The question is whether covering the loss of the dock under your policy would make sense, as it would count as a claim against you,...

Insurance Law: cancellation, insurance department, insurance company
insurance department, insurance company, car insurance: Hi Vicki- It sounds like you insured this vehicle on a different policy than the ones owned & driven by you and your husband. If that is the case, and the policy had lapsed. If the agent or company accepted money, then it s usually considered that the policy...

Insurance Law: car accident her insurance is jerking me around, texas insurance board, blue book value
texas insurance board, blue book value, expired registration: Hi Sandy- Sounds like you ve done everything. Don t expect them to replace your car though. They will only pay the actual cash value of the vehicle. The only thing I can suggest is to keep bugging them. Get your car appraised, and find out the blue book...

Insurance Law: car insurance for permit driver, insurance companies, insurance company
insurance companies, insurance company, car insurance: Hi Cynthia- Most insurance companies will not add to the policy someone who does not yet have a drivers license. They would want to add them as soon as they get licensed. Contact your insurance company or agent- they ll tell you how they handle it. Hope...

Insurance Law: concrete slab condo, broken water pipe damage to neighbor, hot water supply, water supply line
hot water supply, water supply line, concrete slab: Hi Ron- I m wondering why your neighbor s haven t filed a claim with their insurance, and then if their insurance indicates that you are negligent, would file against you. I wouldn t file a claim- it would count against you, and you could remove a claim...

Insurance Law: Diminished value law, drive train damage, carfax report
drive train damage, carfax report, diminished value: Hi Judy- IMO, CARFAX can be a lot of hooeee about nothing. Since you didn t sustain drive train damage, I don t think you have anything justifiable as diminished value- not that would be payable under Wisconsin law anyways. Just keep documentation- photos...

Insurance Law: Disagreement over Total Loss on Auto, aston martin db7, kelly blue book
aston martin db7, kelly blue book, comparable vehicle: Hi Susan- Since the car was handmade and exotic, you probably should have insured it with a specialty company, on an agreed value basis. They will pay only actual cash value on a normal insurance policy, not replacement cost. If you didn t agree on a value...

Insurance Law: Driving my friends vehicle involved in an accident no insurance, sitting in the back seat, cars tires
sitting in the back seat, cars tires, taxi cab: Hi Luis- Your friend , as the owner of the vehicle, is resposible for any damages that occur to the car. He chooses to disobey the law and not buy the minimum liability insurance required in NY, and then tells you to leave the scene of the accident (which,...

Insurance Law: driving another persons car, mother and daughter, nancy
mother and daughter, nancy, cars: Hi Nancy- The thing to do is to compare policies, and make sure you are both carrying the same limits and coverages, and that you are both listed on each others policies as a driver. Then, I don t see that you would have any issues. Hope this helps. :)...

Insurance Law: Excluded from my auto insurance, risk rates, insurance question
risk rates, insurance question, own insurance: Hi Kevin- It all comes down to misrepresentation about a material fact, in other words, your dad lying to the insurance company about whether you will at any time drive those vehicles. If you live at home, DMV will show your address as living in that household....

Insurance Law: who's at fault?, handicap spot, car lane
handicap spot, car lane, parking lot: Hi Amanda- Sounds like you are mostly not at fault, but because you pulled into a handicap spot and stopped, depending on your local ordinances, you could be considered partially at fault. Still, because she hit your vehicle when backing up, the majority...

Insurance Law: grace period, bill payment service, casualty policies
bill payment service, casualty policies, grace periods: Hi Cathy- There are no grace period s on property/casualty policies. What may happen is that the policy will be written day after the payment was received. A change in premium could possibly apply. I would suggest following up with customer service. ...

Insurance Law: Hit By Their Own Vehicle, accident occured, medical payments
accident occured, medical payments, underinsured: Hi - I don t see how UM/UIM coverage would apply in this case. This has to occur when the other vehicle who hit your friends vehicle didn t have insurance, or didn t have enough insurance to pay for the damage they caused. In this case, I can see only the...

Insurance Law: Home Bought for $650K; Insurance Companys Says 1.3 million, personal property coverage, marshal swift
personal property coverage, marshal swift, kind quality: Hi Josh- First I would suggest going through their cost estimates to rebuild, and determine whether you want it replaced exactly as it is, or under a Modified Replacement cost, which would replace it with current materials. This, for example, would be using...

Insurance Law: Insurance, rental car reimbursement, car costs
rental car reimbursement, car costs, homeowners insurance: Hi Michael- I doubt that you can refuse the vehicle. It will be up to your insurance company to determine whether the vehicle is a total loss- in other words, whether the cost to repair the damage exceeds the book value of the car. If you purchased rental...

Insurance Law: life insurance, life insurance coverage, permanent insurance
life insurance coverage, permanent insurance, term insurance: Hi Kimberly- It sounds like the type of policy you are looking at is term insurance, that expires at a specific age. If they live past 80, they would not have benefits under that policy. You may want to check under convertability in the policy, so see...

Insurance Law: michgian insurance, small claims court, driving without insurance
small claims court, driving without insurance, collision shop: Hi Barbara- I take it you didn t take photos of the vehicle. I think you should probably go to the police, or threaten to, if they don t take the car to the collision shop, to repair the damage you actually did. A 1997 Grand Am in good condition isn t likely...

Insurance Law: Open Enrollment Exclusion, regional state university, initial election
regional state university, initial election, university of akron: Hi Matt- This isn t my area of expertise, but as far as I can tell, they would be within their rights to do whatever they want regarding part time employees. Unfortunately, health insurance isn t a right in this country- yet. Sorry I can t be of more help....

Insurance Law: Parked car damages, car damages, apartment building
car damages, apartment building, police report: Hi Krystle- You would have to sue this person in court. Whether you would recover anything other than a judgment is questionable. I don t know whether a judge would consider only the proof of a police report enough. They would probably want to see photos...

Insurance Law: Property Insurance, homeowners policy, insurance department
homeowners policy, insurance department, professional property: Hi Anthony- I don t see how you can get this covered under the homeowners policy. It would have required a special endorsement, and premium paid, to extend coverage to these items. Many construction companies cover their employees tools under and endorsement...

Insurance Law: persons excluded on insurance polices, hi mike, letter of the law
hi mike, letter of the law, insurance co: Hi Mike- You don t say how old your are, but if you are a young person, then the reason that you were excluded is so that the premium charged wouldn t reflect the additional exposure of a youthful operator. They probably wouldn t reference your date of birth...

Insurance Law: Rental Auto Damage, personal auto insurance, rental car company
personal auto insurance, rental car company, physical damage coverage: Hi Don- If you purchased the collision coverage from the rental car company, you would only be charged for the deductible. If you didn t, you would be responsible for not only the damage to the car, but also the loss of use for the rental car company. If...

Insurance Law: Rental Car Accident, rental car company, physical damage coverage
rental car company, physical damage coverage, car contract: Hi Robert- If she purchased the additional physical damage coverage from the rental car company, she shouldn t be responsible for anything other than the contracted deductible. That might also be covered under her credit card, or her own auto insurance....

Insurance Law: Rental car company denied optional insurance, personal auto insurance, rental car companies
personal auto insurance, rental car companies, rental car company: Hi Jasmine- I don t know if there is anything that you can do. You would have to look very carefully at the rental car contract. It s very unusual that they wouldn t have any additional coverages. You usually have to initial the contract if you decline...

Insurance Law: What are my rights?, police the police, guy friend
police the police, guy friend, boy friend: Hi Lynn- I don t know what to tell you. Since they are stating the date of the accident is other than the date you know of.... You can deny and state you don t know what they are talking about. Sounds like they didn t have insurance, and are trying to commit...

Insurance Law: Total Loss Settlement, small claims court, loss settlement
small claims court, loss settlement, settlement money: Hi Matt- I would think you would have the stronger case. It would be no different if she had an actual loan through a bank- the bank would take the amount that was still owed to them, and if there was any left over, it would go to the owner. I think you...

Insurance Law: Totally our car!, salvage value, insurance comp
salvage value, insurance comp, department of motor vehicles: Hi Diane- You may want to check with your state s department of motor vehicles, to see whether they have any special rules regarding your situation. You might have to get it inspected. If the insurance company does allow you to keep the car, then you would...

Insurance Law: tree damage, physical damage coverages, act of god
physical damage coverages, act of god, collision coverage: Hi Ana- A tree branch falling is considered to be an Act of God, and is not related to any negligence of the apartment complex. If you purchased physical damage coverages for your car, it would be covered under your Other than Collision coverage. If you...

Insurance Law: Victim of Hit & Run Scam, insurance fraud, own insurance
insurance fraud, own insurance, insurance company: Hi- If you had someone with you the night this was supposed to have occurred, they could make a statement to your insurance company. You can also try to show your insurance company your undamaged auto. Other than that, I m sorry that I can t be of much...

Insurance Law: Wind Damage, patio furniture, act of god
patio furniture, act of god, wind damage: Hi Lynette- Your neighbor should probably go through their insurance. Their insurance will investigate whether it was your trampoline that caused the damage. Since they had patio furniture, it is just as possible that their patio furniture overturned and...

Insurance Law: Wind debris and comprehensive, physical damage insurance, video proof
physical damage insurance, video proof, wind event: Hi Barry- I don t see how you can get your deductible back, unless you can proof that the metal vent was loose prior to the high wind event, and that the owner was negligent. These are considered an act of God, and if the vehicle owner didn t purchase physical...

Insurance Law: One way driving parking lot?, parking lots, car accident
parking lots, car accident, parking lot: Hi Angie- Generally, the person backing up has the greater responsibility, however, it sounds like you were going the wrong way. It s rather common sense. If the cars are at a forward angle, it s design that you drive into the parking spots, without having...

Insurance Law: accident on private property, insurance company, private property
insurance company, private property, do the right thing: Hi Martha- If the other insurance company is involved, it will still could show up on your claim record. You would have to pay the insurance company, as they are already paying the insured. I m not from Alabama, but since you don t want to get your insurance...

Insurance Law: City tree fell on my car, nyc fire, collision coverage
nyc fire, collision coverage, light rain: Hi Michael- You can certainly give your insurance company the information about the tree, including the name of the person who gave his opinion. The coverage for your loss comes under your Other than Collision coverage. My personal experience in trying...

Insurance Law: Costco Cart damage, merchandise credit, costco
merchandise credit, costco, time customer: Hi Monda- Parking lots are an interestng this, as in you CHOOSE to the there, and it that, take the chances that something could occur. The first step is to get a couple of estimate to repair the damage. Perhaps you should turn it in to your insurance,...

Insurance Law: hit and run lawsuit/ unauthrized driver, time andrew, unauthorized persons
time andrew, unauthorized persons, car keys: Hi Eric- I m not an attorney. There is a big difference though, between unauthorized use of a road motor vehicle, and an ATV. To me, it s not the same thing. I d be reluctant to attend a party with a key pile, where a sober person isn t the one...

Insurance Law: hit and run liability, unrelated case, unauthorized persons
unrelated case, unauthorized persons, police investigation: Hello Eric, I would advise you to male the following steps: 1. Go to the police station of the area where you are living, alternatively you can go to the police station that covers the area where you lost the control over your car (where you have seen...

Insurance Law: insurance overpayment, secondary insurance, incoming payments
secondary insurance, incoming payments, explanation of benefits: Hi Liane- This isn t my area of expertise, but I would first begin by contacting the hospital. Perhaps they haven t coordinated your incoming payments either. What you need is your EOB (Explanation of Benefits) forms from both of your providers. I think...

Insurance Law: insurance on stolen car, insuring a car, detroit police
insuring a car, detroit police, stolen car: Hi Irene- No, you don t have to keep insuring a car that was stolen. Advise AAA that the vehicle was stolen from your place of employment, and reported to the police department 20 days before the accident. They can contact the police to confirm that, and...

Insurance Law: Over-insured home?, marshal swift, sticker shock
marshal swift, sticker shock, homeowners insurance: Hi Nancy- While property values may have changed, it doesn t have a whole lot of impact on how much it would cost to rebuild or replace your home. Those costs are still high, although it s possible you might have slightly lower labor costs. If you haven...

Insurance Law: intersection accident., intersection accident, rear doors
intersection accident, rear doors, signal light: Hi Ken- If you can get a witness to attest that the other driver had a red light and hit you, then you would be considered not at fault. Otherwise, it sounds to me like you didn t take enough caution and care. Depending on the timing, it sounds like you...

Insurance Law: PA & PM, corporate hierarchy, external structures
corporate hierarchy, external structures, speaking program: Hello Adam, Probably the major point, that I would like to stress is that there is no formal firm definition of all functions attributed for both roles across the industry. From my experience and from my personal opinion each company has a lot of flexibility...

Insurance Law: parking lot accident, parking lot accident, car length
parking lot accident, car length, parking space: Hi Arley- Hopefully you have the witness information. Almost always, the one backing up is at fault. You would have to prove via witnesses that the other driver was driving unsafely, to the extent that there was no way to avoid the accident. Hope this...

Insurance Law: pregnancy issue, short term disability, short term disability insurance
short term disability, short term disability insurance, term disability insurance: Hi Jeremy- That doesn t sound right, but you should check the fine print of the disability policy, so see if it considers pregnancy to be a true short term disability. It sounds to me like they are doing an illegal cancellation/rewrite of the policy. You...

Insurance Law: Returning to Work after Unemployment, mental handicaps, financial crash
mental handicaps, financial crash, mental challenges: Hi Carolyn- I m not an expert in the area of your question, but I believe once he accepts another position, he is not under unemployment benefits. I m now working as a CNA. I moved from the big city prior to the financial crash, taking a chance on life....

Insurance Law: roof repair, state insurance department, leaky roof
state insurance department, leaky roof, homeowners insurance: Hi Christina- Just because you have a leaky roof doesn t mean it was caused by a covered cause of loss. And having a part of your roof damaged by a covered cause of loss doesn t mean the insurance company is going to pay for a whole new roof for you. There...

Insurance Law: STATUE REGUARDING ROOF REPLACEMENT IN KY, patch job, insurance adjuster
patch job, insurance adjuster, point hope: Hi Sara- I m not an attorney, nor from Kentucky, so I can t help you with the exact statute question. You may though, want to contact your state s insurance department. You may want to consider making a written complaint, and having the state investigate,...

Insurance Law: Verification requests for No fault insurance, verification requests, fault insurance
verification requests, fault insurance, mail: Hi Jon- Fax is such an integral part of the insurance business- has been for a couple of decades. It s done right from your computer for most companies. It s just recently that email & scanned versions are being accepted. Paper isn t green, if you know...

Insurance Law: 3 car accident, stick to your guns, police report
stick to your guns, police report, traffic conditions: Hi Nasreen- You should interact with your insurance company intensely regarding this accident. The police report clearly states the other party was negligent and non-attentive to traffic conditions. It is frustrating, to be called as at fault when someone...

Insurance Law: car rental insurance, car rental insurance, ridiculous amounts
car rental insurance, ridiculous amounts, low impact: Hi Lia- I would first contact the company, and ask to see the van so you can take photos. You probably would not be reponsible for loss of use of the van, as that is something your insurance probably wouldn t pay for. If you have insurance, it would be...

Insurance Law: Fallen Tree Limb, wet lands, broken limbs
wet lands, broken limbs, auto policy: Hi Michelle- I doubt they would pay anything, but you should consult the DNR or whatever authority has control over care of wetlands. They should authorize the city to cut down the tree(s) causing damage. Most likely, you would have to pay for this damage...

Insurance Law: Hit a Police Car, reponsibility, police car
reponsibility, police car, emergency vehicle: Hi Jerry- Sounds like you are mostly at fault, but due to road conditions, it would have been reasonable and prudent for the officer to slow down when going through the red light. I don t see that you are going to get out of the ticket though, or the reponsibility...

Insurance Law: Home Owner's Insurance (HOI), declarations page, time period
declarations page, time period, consequences: Hi D- It is possible they might try to put a policy into effect (Forced Placed Insurance) for the time period you were lapsed. Your lender was notified if they were on the declarations page. As long as they have proof of current coverage, and you are current...

Insurance Law: Insurance, small claims court, association bylaws
small claims court, association bylaws, association states: Hi Josh- She is probably blowing smoke at you. You can check with the homeowners association, but I doubt that the association bylaws would clearly state that if you aren t parked in a designated spot, you are liable for any damages that happen to your car....

Insurance Law: Insurance Law / General & South Carolina, scdmv, fact question
scdmv, fact question, state of south carolina: Hi Ken- I think the place you need to start here is with your state s insurance department, and make a written complaint. There are proper procedures regarding the deletion of a spouse, and they require appropriate notification and sign off s by both spouses....

Insurance Law: insurance law, insurance law, insurance
insurance law, insurance: Hi Bruce- I m not from California, so I can only speak in general terms. If you are at fault in the accident, you have to pay the damaged you caused. If you are in an accident with no insurance, you may get a ticket for it in California. Sorry I can t...

Insurance Law: NJ No Fault Law- regards to household ins, valid drivers license, cliam
valid drivers license, cliam, mva: Hi Sarah- I m not certain I understand the question. If she is in her friends car, the friend is responsible for providing the insurance for any injuries or damages that occur. I don t see why your car insurance would respond, especially since you failed...

Insurance Law: Personal property damage, cyclone fence, personal property damage
cyclone fence, personal property damage, small claims court: Hi Holly- The homeowners company will not pay replacement value for trees. As to the fence, they would pay it s actual cash value. If you accept payment, you are signing off usually as being satisfied that your claim is settled. You may want to consult...

Insurance Law: Property Damage, small claims court, pile snow
small claims court, pile snow, undue effort: Hi Adam- You can try to sue the snow plow company, but I can t say whether a judge would consider it reasonable and prudent to keep a bicycle outside during a winter storm. The owner wouldn t be liable, but perhaps the snow plow company could. You d probably...

Insurance Law: parking lot wreck, extreme damage, exit lane
extreme damage, exit lane, owners insurance: Hi Nolan- You will have to be persistant. Having witnesses would help. Parking lots are private property, but those who are not passing in normal lanes of traffic, I would think, have more responsibility and negligence as you state the circumstances. If...

Insurance Law: Quick Question, insurance legislation, legatee
insurance legislation, legatee, binding documents: Dear Sikyler, Your case is going beyond the insurance legislation framework, however I will analyze your case and provide some practical advices: 1. You need to understand on which basis Medicaid claims this money (law, regulations, probably your brother...

Insurance Law: Sued by Family, vehicle owner, state of virginia
vehicle owner, state of virginia, paying taxes: Hi Brittany- I m not from Virginia, but recall they are very strict. If you are driving a vehicle, it must be insured. It seems to me that it is your aunts reponsibility, as the vehicle owner, to abide with state law. She might have been better off to...

Insurance Law: Tree falling in yard, act of god, homeowners policy
act of god, homeowners policy, fire wood: Hi Daryl- Unless you can prove that your neighbor was negligent (ie, the tree was dead and should have removed previously), it is an act of God, and you would be reponsible for having it removed. If the tree didn t do any damage to structures, you would...

Insurance Law: left turn versus right turn, left turn, traffic
left turn, traffic, passenger side: Hi Samantha- I m not from California, but if you have witnesses, you might be able to show that the other party wasn t operating their vehicle in a safe manner, in that they weren t keeping to their lane. That it about all I can suggest. You are the one...

Insurance Law: Accident with someone else's car., current insurance company, dept of motor vehicles
current insurance company, dept of motor vehicles, court judgement: Hi Danny, you are going to have to do some research on this issue regarding which insurance company covered you at the time of this event. Even your current insurance company may be able to assist you but if they can t then you will have to contact the State...

Insurance Law: Accident happen in 9/15/1990-Insurance Lapse, new computer system, hanging over my head
new computer system, hanging over my head, interest penalties: Hi Kimberly, now I know the entire problem and it seems to be one that can and should be negotiated by both sides. On one hand you cannot get a driver s license until this gets taken care of and you have a letter of release from that N.Y.C. agency. This...

Insurance Law: Auto Insurance, claim adjuster, car place
claim adjuster, car place, insurance laws: Hi Mary- You may have to pay the difference if you get the car repaired at a different shop. Looking at the two estimates side by side may help to determine what the difference in the two prices is. It could be the labor charge. Many shops will contract...

Insurance Law: accident with a rented car no complementary insurance taken, rental car company, automobile insurance
rental car company, automobile insurance, rented car: Hi Mercedes, forget about the credit card company because at best they would only pay for the time that the rental car is out of service due to the repairs and also to you if your were injured and unable to work and possibly for any defense of any criminal...

Insurance Law: Boat sunk on river mooring, road worthiness, marine surveyor
road worthiness, marine surveyor, marine policies: Hi Stuart- You will need to review the fine print of your policy, and look at the exclusions. Most marine policies have an exclusion for losses caused by failure to maintain the vessel. If the boat was surveyed by a professional marine surveyor after the...

Insurance Law: Car Damage, small claims court, rear fender
small claims court, rear fender, certified mail: Hi John- If you don t hear from them within 30 days of when they receieved the estimate, try sending them notice certified mail. If they still do not respond, you may have to prove your case against them in small claims court. Give it a couple of more weeks....

Insurance Law: Car Wreck, accident attorneys, report photos
accident attorneys, report photos, car wreck: Hi Sharon- I m not an attorney, and can t help you much in this. This is something better discussed with an attorney in your state. If you are self employed, you will have to be able to show clear records as to what you were making prior to the accident....

Insurance Law: Car wreck, soft tissue damage, torn tendons
soft tissue damage, torn tendons, pain and suffering: Hi Diane, you filed claims for property damage and of course the medical bills but you insurance company has no duty to seek monetary payment for any pain and suffering. For that type of claim you will have to deal with the at-fault party s insurance directly....

Insurance Law: Collision damage waiver charges reinbursement due to accident., collision damage waiver, rental car company
collision damage waiver, rental car company, claims examiner: Hi Sabik- I m not a claims examiner, but I ve not heard of the at fault company picking up the collision damage waiver cost. If someone said that to me, I d want it in writing. I think you probably are liable for the collision damage waiver, if you don...

Insurance Law: My car was hit and I don't know what to do..., small claims court, mail return
small claims court, mail return, certified mail: Hi Jason, you had better do something and pronto because since you haven t heard anything from the at-fault driver s insurance company I would surmise that she didn t nor is she thinking about calling in the event. Give the insurance company a call along...

Insurance Law: collision or comp, crime victims compensation board, crime victims compensation
crime victims compensation board, crime victims compensation, collision coverage: Hi Tera, unfortunately I do not have an insurance related answer for you. Comprehensive coverage is typically for claims concerning fire in the vehicle, theft of the vehicle, or having something stolen out of the vehicle including parts of the vehicle. Without...

Insurance Law: What is considered an at Fault insurance claim?, fault accidents, fault insurance
fault accidents, fault insurance, insurance claim: Hello Ayah, I think that the term at-fault is being used incorrectly by your insurance company. They are referring to events for which there seemingly is not an entity that can be legally blamed nor restitution obtained from. In the instance of the parking...

Insurance Law: Drive friend's car, full insurance, special situations
full insurance, special situations, driving licence: Hi Gary- The owner of the vehicle is the one responsible for any damages you cause while driving their vehicle. If you have an accident, it is likely their rates will go up. It s advisable to have your friend with you when you are learning to drive, as...

Insurance Law: I was driving my mom's car, youthful drivers, higher frequency
youthful drivers, higher frequency, insurance company: Hi Aeri- If you live with your mom, and if your mom didn t claim you as a driver on a renewal review letter, or didn t disclose it if she was asked if there were any other regular drivers, yes, it is possible they will deny the claim. Youthful operators...

Insurance Law: At Fault Accident, Not My Car..., present insurance company, umbrella policy
present insurance company, umbrella policy, broken bones: Hi Chris, my opinion is that as long as they accept and pay out on this claim your mom is going to be better off with another insurance company anyway given the vindictive and petty way that her present insurance company has behaved in this matter. There...

Insurance Law: Collision damage waiver charges reinbursement due to accident., collision damage waiver, rental car agency
Insurance Law: Collision damage waiver charges reinbursement due to accident., collision damage waiver, rental car agency, proper documentation

Insurance Law: Roof claim insurance denied, time insurance, insurance claim
Insurance Law: Roof claim insurance denied, time insurance, insurance claim, free consultation

Insurance Law: Total Loss Car Insuraance, policy contract, auto policy
Insurance Law: Total Loss Car Insuraance, policy contract, auto policy, insurance policy

Insurance Law: at fault?, fender repair, stop signs
fender repair, stop signs, adjustor: Hi Ty, I was wondering about the drinking thing when I received and read your original question. The other driver s insurance will send an adjustor to look at your vehicle whether it be at your house or at the body and fender repair shop and give you a figure...

Insurance Law: SOMEONE HIT ME ANDI HAVE NO INSURANCE, mandatory insurance, insurance law
mandatory insurance, insurance law, insurance coverage: Hi Deborah- If you don t have the insurance information for the person that hit you, you will need to get a copy of the police report, and then contact the other person s insurance company to file a claim. If your state has a mandatory insurance law, it...

Insurance Law: Hit by a yellow taxi in NYC, limousine commission, fleet owner
limousine commission, fleet owner, yellow taxi: Hi Rebecca, I most definately recommend that you file an accident report with the police dept. but find out as much as you can about the taxi first, such as the plate number and year and make of the vehicle. But in general you are doing the correct and necessary...

Insurance Law: Homeowner Insurance, personal property claim, less than three years
personal property claim, less than three years, risk exposure: Hi Peter- Your logic is ok, but due to losses the industry has sustained, which have so much to do with the cost of material, premiums won t be going down. Many companies have set a clear for 3 years rule , but that doesn t mean the agent can t submit the...

Insurance Law: home/auto insurance and fire damages, fire damages, rental insurance
fire damages, rental insurance, negligent act: Hi Mary- You should have limited coverage from your renters policy for personal property off premises, but it is usually only 10% of what your property limit is. One issue would be is the renters policy in BOTH of your names, or just yours? If it s just...

Insurance Law: Insurance company won't pay as their client won't take blame, legal aid group, gmac insurance
legal aid group, gmac insurance, small claims court: Hi Michelle- You are stuck between a rock and a hard place. There is nothing in the policy that says that the driver of the at fault vehicle has to SAY thay are at fault for the policy to pay. You could get your case together- all documentation, photos,...

Insurance Law: Insured car at fault, comparative negligence, automobile accident
comparative negligence, automobile accident, repair estimate: Hi Jason, in most States you do not need an Attorney and also in most States you cannot use an Attorney in small claims court. It is the people s court . The summons & complaint is cheap and easy to fill out and usually the court serves it on the defendant...

Insurance Law: insurance, policy provisions, auto policy
policy provisions, auto policy, insurance department: Hi Patricia- I m not aware of a fully earned premium on a total loss wording within the auto policy provisions. If the car was recovered and repaired, then the policy would still be in effect. If it was not recovered, and the claim was settled and paid,...

Insurance Law: liability insurance on rental cars, rental car companies, renting a car
rental car companies, renting a car, liability insurance: Hi Kristin- Some rental companies will not even offer liability coverage, so it is good that you are looking into this in advance. I m not aware that they have to offer it at only the state minimum, but some have the option of purchasing higher amounts....

Insurance Law: Motorcycle vs pedestrian, honda goldwing, small claims court
honda goldwing, small claims court, court summons: Hi Michael, the best way to see if this indeed is a covered event under the man s homeowner s insurance policy and to begin the process of obtaining a monetary recovery would be to sue the man in small claims court for the N.Y.S. limit of $35,000. This is...

Insurance Law: a man hit the supermarket carts in my car, supermarket carts, small claims court
supermarket carts, small claims court, criminal case: Hi Lea, the only way that the supermarket would be liable here would have been if one of their employees had pushed the carts into your vehicle and thus caused the damages to your car. The person responsible for the damages is the thief who actualy caused...

Insurance Law: moving car struck parked cars door, oncoming traffic, moving car
oncoming traffic, moving car, roadway: Hi Bruce- You may be considered to be at fault in this one, as you opened your door into oncoming traffic, creating an object in the roadway that couldn t be avoided. I could be wrong, but that is how I see it from what information you ve given me. Hope...

Insurance Law: NYS STD, disability insurance company, disability check
disability insurance company, disability check, disability benefits: Hi Susan, 1 month is not such a long time to wait in a matter such as this due to budget cuts etc. but if you are getting very edgy about it you can get a phone number to call by accessing the N.Y.S. government website and searching for the Office of Disability...

Insurance Law: do I need to add my teenager who just passed her license to our car insurance?, car insurance policy, physical damage coverage
car insurance policy, physical damage coverage, occasional driver: Hi Sonja- Yes, you DO need to add her to your insurance policy if she is living in your household, and will be driving your vehicles. If you do not add her, and she gets in an accident, not only will you get a rate increase for adding her as a driver, and...

Insurance Law: parked illegally hit by another driver, leaving the scene of an accident, collision coverage
leaving the scene of an accident, collision coverage, auto policy: Hi Tessa- I m not from Texas, and they may have a slightly different policy form than other states. The auto policy elsewhere doesn t have a specific exclusion for damage caused if you are parking illegally, so if you have collision coverage, you should...

Insurance Law: parking lot accident, parking lot accident, true thanks
parking lot accident, true thanks, scratches: Hi Jimmy, unfortunately I tend to agree with the store on this one. There is no way of telling who it was that pushed or caused that cart to strike your vehicle. Merely because it was a Hayes cart doesn t make them automatically liable for the damages...

Insurance Law: personal liability question, medical payments coverage, homeowners policy
medical payments coverage, homeowners policy, personal liability: Hi- The Homeowner s Medical Payments Coverage under the homeowners policy will pay it s limit for such accidents, regardless of negligence. Above that, the business owner/painter would have to try to prove to a judge that the homeowner was negligent and...

Insurance Law: Rear End Collision, gap insurance, limo driver
gap insurance, limo driver, small claims court: Hi Derek- The limo driver s insurance company will only pay the actual cash value of the car. You are responsible for the difference. You may want to consult with an attorney to see whether you might be able to win in small claims court or civil court for...

Insurance Law: Rear-end collision, unfortunate lack, police report
unfortunate lack, police report, ample time: Hi Justin- The other driver is still liable for the damage they caused, even if you do not have insurance. If you didn t obtain the driver s insurance information at the time of the accident, you will need to obtain a coyp of the police report, and contact...

Insurance Law: Roof claim insurance denied, hail storm, sized hail
hail storm, sized hail, egg size: Hi Brian- This type of situation can get to be very complicated, because if she didn t repair the damage to the roof from the prior claim, it would have to be determined what additional damage was caused over time from failing to repair the roof; what damage...

Insurance Law: Statute of Limitations for filing a claim, water intrusion, financial constraints
water intrusion, financial constraints, definitive cause: Hi Amy- I m not certain you have coverage for this under the homeowners policy, as it excludes damage caused by water intrusion, weight of water or pressure ect against the foundation, especially over time. The first step would be to locate a copy of the...

Insurance Law: T-boned at intersection-worried about getting hosed on fault, tow truck driver, adjustor
tow truck driver, adjustor, passenger tire: Hi Jason, the way I see this event is that the woman was distracted because of the cell phone conversation and went through the light that had changed to red because of it. Your insurance company should pay out on this less the deductible and go after the...

Insurance Law: Terminated today on disability, family leave act, disability payments
family leave act, disability payments, unemployment benefits: Hi Debbie, the only way that you might be able to and be eligible for unemployment benefits would be if your Dr. wrote a report in which he states that you have fully recovered from your injuries and that he finds no reason that you should not be able to resume...

Insurance Law: Insurance Company Questions about Claim, physical damage coverage, chop shops
physical damage coverage, chop shops, salvage title: Hi Ron- If the feel the claim is suspicious, they will investigate it. If he says the policy gives them the right to take your car, ask him to tell you the page number and paragraph where that is located. Insurance companies will investigate everything...

Insurance Law: UNABLE TO PROVE A CAR WAS INSURED WHILE DRIVING & BEING INVOLVED IN AN ACCIDENT, side job, business friend
side job, business friend, excess coverage: Hi Donna- Depending on the laws of your state, if your son was driving a vehicle that didn t have insurance, he could lose his license. I m not an attorney, so I can t say for certain. I m not certain about all of the details you are describing. If he...

Insurance Law: Uninsured Motorist backed into me, full coverage insurance, ford f 150
full coverage insurance, ford f 150, collision insurance: Hi Joseph, as long as you had full coverage insurance I am assuming that you had collision insurance. The easiest thing to do would be to leave a message for the at-fault driver to call you immediately or else you will begin the process of filing a claim...

Insurance Law: Wife's Accident, soft tissue damage, back and neck pain
soft tissue damage, back and neck pain, extreme stress: Hi Kristopher, if Virginia law bars a health care insurer from recouping payments that are due to an accident that involved another person s insurance then the money for the treatment is something that you should be able to recover in this situation if only...

Insurance Law: whos to blame and how to make it right, motorcycle insurance, own insurance
motorcycle insurance, own insurance, horrific accident: Hi Jeremy, The owner of the vehicle is the one who is responsible for any damages above the limits of liability they have on their policy. You would have to look in each insurance company s policy form to see whether they will respond on an excess basis...

Insurance Law: windshield, auto insurance company, rear windshield
auto insurance company, rear windshield, weather damage: Hi Joe, my best advice here is to file with both your homeowner s insurance and with your auto insurance company under the collision endorsements of your policy. I say this because different states have differing laws on a matter such as this. One way or...

Insurance Law: Accident Private Property, dept of motor vehicles, lot lane
dept of motor vehicles, lot lane, property question: Hi again Mike, you should be able to find out more on the vehicle and traffic laws from your nearest Dept. of Motor Vehicles. You might also find some further info from McKinneys Insurance Law which is available in many public libraries. You might even...

Insurance Law: Accident w/unlicensed driver, unlicensed driver, westbound lanes
unlicensed driver, westbound lanes, traffic cameras: Hi Stacie- You might have to find witnesses who saw the accident. They should be able to provide statements to the insurance companies to clarify who was driving and what occurred. That s really all I can think of. If you can t find someone who saw the...

Insurance Law: Ambulance asking for additional paymnet, ambulance company, collections company
ambulance company, collections company, health care provider: Hi Zane, the answer to this question lies with the bill itself and any paperwork that you filled out or had filled out and signed at the time of the accident. If you or someone on your behalf signed what is known as an assignment of benefits form then you...

Insurance Law: Auto Insurance, auto insurance company, gap insurance
auto insurance company, gap insurance, small claims court: Hi Cleo- Something that sort of sticks out to me is the low value they put on your vehicle. I would suggest doing some research on your own, using NADA, Kelly Blue Book and local ads. If the difference is significant, you may have some grounds for making...

Insurance Law: Auto insurer holding vehicle, auto insurer, insurance department
auto insurer, insurance department, indefinite period: Hi Molly- The family will probably have to do their own research in order to find an objective company capable of reading the information in this black box. You can also consider contacting your state s insurance department, and ask them to investigate the...

Insurance Law: auto accident, kelly blue book, adjustor
kelly blue book, adjustor, local newspapers: Hi Michelle, I receive these types of questions all of the time and the answer is to do some hard negotiating and also to use the threat of a small claims lawsuit against the at-fault driver as leverage. In order to do so you will have to obtain some proofs...

Insurance Law: auto insurance and the law, policy provisions, minimum insurance
policy provisions, minimum insurance, compulsory insurance: Hi Mary- What he may have to do is to look at the policy provisions of his auto policy, and look under Out of State Coverage . There (in my 1998 version, it states: If an auto accident to which this policy applies occurs in any state...... A.) If the...

Insurance Law: Car insurance for my foster child, insurance agent, drivers license
insurance agent, drivers license, car insurance: Hi Jessica- Foster children are considered to be the same as your regular children, so they should be listed on your policy. Contact your insurance agent, and they ll let you know whether he needs to be added when he actually gets his drivers license, or...

Insurance Law: car accident, small claims court, step dad
small claims court, step dad, police report: Hi Eddie- The parents aren t responsible for the damage unless they owned the vehicle. Get a copy of the police report, and confirm who owned the vehicle. Take photos of the damage, get an estimate for repairs, and check your laws regarding how much damage...

Insurance Law: car accident, uninsured, auto insurance policy, car insurance company
auto insurance policy, car insurance company, grace period: Hi Ana- First of all, there is no grace period on an auto insurance policy. The only type of insurance that does have a grace period is life & health insurance. Your expired auto insurance will not cover this accident, and they will not go back to reinstate...

Insurance Law: car insurance, physical damage insurance, mandatory insurance
physical damage insurance, mandatory insurance, minimum liability: Hi Ira- You can try searching Google. If your state has mandatory insurance, then you either have to carry the insurance, or have a bond in the amount of the minimum liability. If you have a loan on a vehicle, the loan company will require that you carry...

Insurance Law: car wreck, car wreck, police report
car wreck, police report, faul: Hi Jose- I m not from California, but I ve never heard of a law that states a party that was damaged in an accident cannot sue to recover if they do not have insurance. What you will have to do is to file a claim with the insurance of the driver who caused...

Insurance Law: Door opened in front of me, motor vehicle accident, comparative negligence
motor vehicle accident, comparative negligence, police the police: Hi Jose, the woman is obviously wrong because under VTL it is illegal to enter and discharge anyone from the side of the vehicle facing and onto a moving lane of traffic. However, insurance companies rarely accept 100% liability in the event of ANY motor...

Insurance Law: dog chained in backyard, rural ky, liability limit
rural ky, liability limit, german shepard: Hi Jenni- When you applied for the insurance, it is very likely that there was a question about dogs. Most insurance companies now have restrictions about certain breeds of animals, because of the nature of the claims that occur when they bite someone. ...

Insurance Law: dwi, felony dwi, insureance company
felony dwi, insureance company, auto policy: Hi Amy- Yes, it is possible that you could be cancelled, because the auto policy automatically extends liability coverage to relatives that reside with you. You could ask if they would consider a driver exclusion for her, but be aware that there will be...

Insurance Law: Fender Bender, fender bender, state dmv
fender bender, state dmv, driving without insurance: Hi Peter, without knowing exactly how the event occured I cannot give you an accurate answer to this question but the most you should be liable for is 1/2 of the other driver s deductible on his insurance. Whether or not he will attempt to use the fact that...

Insurance Law: To remove an EAB (European American) bank lien, pontiac bonneville, clerk of courts
Insurance Law: To remove an EAB (European American) bank lien, pontiac bonneville, clerk of courts, lien holder

Insurance Law: at fault?, insurance deal, driveway entrance
insurance deal, driveway entrance, vtl: Hi Dustin, in my opinion you should obtain an estimate and deal privately with the other driver for 75% of the price. You both went against the VTL because neither of you ensured that you had a clear and unobstructed pathway before making your respective...

Insurance Law: Who's fault - Driver taking left OR Driver with no headlights, insurance company claims, crash report
insurance company claims, crash report, smashed car: Hi again M. John, the answer to part one is that you were more than 50% at fault because by driving without headlights on you went against the VTL in such a way as to make it very difficult if not impossible for the left hand turning vehicle to maintain an...

Insurance Law: fender bender with police report, fender bender, insurance records
fender bender, insurance records, time hope: Hi Dan- The main thing to make sure of is that you get the other party to legally sign off from any further claims against you. You should make that a condition of settling the claim with her. Since your daughter received a ticket, it is very likely that...

Insurance Law: Hit and Run, insurance company, police report
insurance company, police report, parking lot: Hi Cacey- Yes, you do have to pay the deductible. If you were in an accident with the other driver was at fault, and they were identified, and had insurance, you would probably get your deductible back when they went after the other insurance company to...

Insurance Law: Home owner insurance, small claims court, value of my home
small claims court, value of my home, real estate appraiser: Hi Barry- You may want to consult with an attorney, and get an professional real estate appraiser to determine the actual dollar value in loss you have sustained by the use of the newer brick. Once you have a dollar value of loss, the attorney can advise...

Insurance Law: hit after backed up, drive my car, rear end
drive my car, rear end, roadway: Hi Kendra, If your vehicle was moving into the roadway then VTL laws are against you. It is always the duty of a driver backing out of a driveway not to do so until and unless he or she has a clear and unobstructed pathway to do so. Technically a person...

Insurance Law: i hit someone without insurance, small claims court, mandatory insurance
small claims court, mandatory insurance, car door: Hi Sam- If your state has a mandatory insurance law, you could end up getting a ticket for that. As to the damage to the car, I hope that you took photos of the damage, so that you only have to pay for that, and not other damage. Basically, the process...

Insurance Law: Insurance for New York Life, bad faith, high blood pressure
bad faith, high blood pressure, insurance department: Hi Michelle- You don t say how long the policy was in effect, but if it is under two years, it s possible they could deny the claim, but the onus would be on them to prove that she lied. I would suggest making an insurance department complaint for bad faith,...

Insurance Law: Insurance Sales, virginia state law, resident agents
virginia state law, resident agents, virginia gov: Hi Eugene- Each state has specific insurance laws relating to the licensing of agents, and how they define non-resident agents. I would suggest contacting the Virginia Bureau of Insurance. Here is a link to their website: http://www.scc.virginia.gov/division/boi/webpages/boiproducer.htm...

Insurance Law: intersection accident, intersection accident, comparative negligence
intersection accident, comparative negligence, insurance department: Hi Imran- It doesn t sound morally right, but there are states that have comparative negligence, where your negligence factor in the accident is assessed. If you think that is inappropriate, you can try making an insurance department complaint. You will...

Insurance Law: Liability Insurance, last rain, several thousand dollars
last rain, several thousand dollars, own insurance: Hi Mark- Personally, I would consider a tree that large and close to your own residence to be a hazard, and I m surprised that your own insurance company didn t make your cut it down to lower their own risk exposure. They would have to file a claim against...

Insurance Law: Liability insurance for recreational activities on private property, monetary damages, limited partnership
monetary damages, limited partnership, risk exposure: Hi Jeff- The issue with this type of situation is the liability limits and coverage of the limited partnership and LLC, and your interests being protected by their liability policy as an additional interest. There probably are companies out there willing...

Insurance Law: landlords basement flooded, purchase flood insurance, kevin flood
purchase flood insurance, kevin flood, flood policy: Hi Kevin- Flood is not a covered cause of loss under a renters policy, nor under a policy a landlord would purchase to insure his building. If you wanted coverage for flood, you would have to purchase a flood policy. There are limitations for coverage under...

Insurance Law: Am I liable and to what extent?, secret arrangement, husbands name
secret arrangement, husbands name, monkey business: Hi Melinda, this is a bad idea whose time will never come! In any accident that would be the fault of your nephew and especially an accident in which he caused serious bodily injury the driver and owner are always on the hook for paying out the damages and...

Insurance Law: Mercury Insurance, state attorney general, arbitration service
state attorney general, arbitration service, mercury insurance: Hi Daniel, get your estimates of what the claimed damages will cost, copies of all your proofs and copies of any written correspondence with Mercury and either file an arbitration with whatever arbitration service exists in your State for motor vehicle disputes...

Insurance Law: Minor Private Parking Lot Accident, parking lot accident, local police department
parking lot accident, local police department, rearview mirror: Hi Kelsi, as long as you already notified your insurance company of this event then this is the way to go. This accident is one of 50/50 liability because neither of you maintained an adequate lookout before doing the backing out but you do not want your...

Insurance Law: medical deductible, routine occurrence, insurance commissioners
routine occurrence, insurance commissioners, commissioners office: Hi Lee- If the insurance company is refusing to reimburse your deductible, you could try contacting your state s insurance commissioners office. It may require a formal written complaint against the company, or they will advise you if there are other laws...

Insurance Law: medical deductible, medical insurance company, health insurance company
medical insurance company, health insurance company, property damages: Hi Lee, if Colorado has done away with no-fault coverage then it would be the at-fault driver s insurance who have to pay for any out of pocket expenses that you may incur as well as property damages and also pain and suffering if any. Also, depending upon...

Insurance Law: mva, kelly blue book, vin number
kelly blue book, vin number, edkins: Hi Matthew, you should easily be able to track down that vehicle by its VIN number by using Kelly Blue Book, Carfax or Edkins on-line services just as if you were intending to buy that vehicle and wanted to know its ownership history before buying it...

Insurance Law: New York State Law Swimming pool Liabiluty, medical payments coverage, homeowners policy
medical payments coverage, homeowners policy, diving board: Hi Denise- The homeowners policy would probably respond with whatever limit of medical payments coverage was on the homeowners policy, but since there was no negligence on the part of the homeowner, he may not be able to recover more from a liability standpoint....

Insurance Law: NJ MVA auto insurer, independent medical examination, auto insurer
independent medical examination, auto insurer, maximim: Hi Ellen, they haven t paid out on the wage claim since December of 06??? What kind of an attorney did you hire that hasn t filed No-fault arbitration by now? Let me know the reasons that Geico is denying your claims and perhaps I can help you. Also tell...

Insurance Law: "Occupied" vs. "usual course of business", insurance adjustor, motor vehicle insurance
insurance adjustor, motor vehicle insurance, local trucking: Hi Debbie, unfortunately I personally do not have access to the sort of research material necessary for finding the answer or case law to fight such a case but qualified Attorneys should. What I suggest is that if an estate is being set up for the surviving...

Insurance Law: Overpayment by insurance., state insurance department, copay
state insurance department, copay, insurance company: Hi Katie- I believe you are correct- your co pay goes to the doctor. You would still owe the co pays, so if you owe them, you do have to pay them, but they would go to your doctor, who would then reimburse the insurance company. Sounds like you weren t...

Insurance Law: PARENTS LIABILITY STUDENT DRIVER, insurance company, damages
insurance company, damages, good luck: Hi David- It sound to me like the attorney on the other side doesn t have all the facts as to the ownership of the vehicle. They will likely have to amend their lawsuit to include you once they figure it out. At least you have some insurance. Should the...

Insurance Law: Personal Auto Insurance, personal auto insurance, bicycle rider
personal auto insurance, bicycle rider, fault insurance: Hi Linda Sue, for the most part the no-fault provisions of the driver s insurance policy call for that vehicle to pay the bicyclists medical except in certain states such as New Jersey where any and all no-fault insurance benefits come from the no-fault insurance...

Insurance Law: Policy Question for Non-Household Driver, horrific accident, policy address
horrific accident, policy address, friend hope: Hi Tiffany- The auto policy will respond since he is a permissive driver. Do make sure it is rated for where the vehicle is actually kept. From personal experience, I would suggest that you get this car out of your name, and put yourself on the title...

Insurance Law: Public Highschool Parking Lot Not Maintained and Subsequently Hazardous, rear windshield, honda pilot
rear windshield, honda pilot, public highschool: Hi Michael- I don t see how the school would be considered liable for a sign that you hit in their parking lot. In these types of situations, it s considered park at your own risk. Since you were backing up, it would be your responsibility to make sure...

Insurance Law: parents -child, small claims court, automobile accident
small claims court, automobile accident, vehicle owner: Hi Cecilia, to the best of my knowledge the parents are always responsible for any damages caused by a minor whom is domiciled in their household. In a matter of a lawsuit for automobile accident damages the parents insurance should kick in for coverage if...

Insurance Law: In a parking lot, our car was parked...she hit us, store surveillance, surveillance cameras
store surveillance, surveillance cameras, question thanks: Hi again Audrey, if your doors were alresdy open as you both claim then the driver of the moving vehicle had the duty to either continue looking for another space or to wait until you were safely out of your vehicle. If you opened your doors while she was...

Insurance Law: partial self employment, unemployment insurance, seasonal employment
unemployment insurance, seasonal employment, salaried employees: Hi Tim, once you are in the private sector as an independent contractor there is no further unemployment insurance coverage unless you are incorporated and make the necessary payments into the system. Unemployment insurance is a program which is paid into...

Insurance Law: paying for damage, slant, phone calls
slant, phone calls, neighbors: Hi Sarah- If the car is older and already had other damage, you may not have to worry about it. You should take photos of the damage you caused, if you haven t already. Try to contact them to set your mind at ease. It doesn t really become the owners issue,...

Insurance Law: Reimbursement, lemon law statutes, buying a used vehicle
lemon law statutes, buying a used vehicle, book retail: Hi Marge, they usually use whichever is cheaper. Try Carfax or Edkins to get other estimates. Generally speaking when buying a used vehicle privately a person would pay less for it than they would at a used car dealership because supposedly the dealership...

Insurance Law: To remove an EAB (European American) bank lien, pontiac bonneville, nys dmv
pontiac bonneville, nys dmv, computer age: Hi Dave, this seems like a computer age nightmare but but there has to be a solution to it which will remedy it to everyone s satisfaction. What you will have to focus on is getting sufficient proof that the lien was indeed paid off so that the title will...

Insurance Law: replacement insurance on homeowners policy, policy provisions, claim adjuster
policy provisions, claim adjuster, homeowners policy: Hi Bonnie- I ve never heard of an insurance company wanting the old carpet, that s a first. They may want to confirm that it has actually been replaced, but that is usually done by having a copy of the paid bill. If you choose not to replace the carpet,...

Insurance Law: my responsibility for the sump pump, sump pump, water bills
sump pump, water bills, water test: Hi Shane- It might be a good idea to get the sump pump itself checked out. Maybe the float is sticking. You may also want to have the water tested yourself, to determine if it is ground water or city water. If it s city water, that could mean there is...

Insurance Law: Sebregation, health care insurance, health insurance companies
health care insurance, health insurance companies, state attorney general: Hi Kristina, I believe that what you are asking about is subrugation rights. What this means is that the health insurance companies would have the right to seek compensation for any and all medical payments for treatment rendered to one of their insured health...

Insurance Law: Stolen Dealership Vehicle Crash, chevy lumina, model chevy
chevy lumina, model chevy, vehicle crash: Hi Jill- The dealership wouldn t be considered to be liable, since the vehicle was stolen. It would be up to law enforcement to undertake the process of identifying the thief, not the dealership. You can put yourself in the place of the owner of the vehicle,...

Insurance Law: stolen car we are innocent, state attorney general, policy failure
state attorney general, policy failure, dept of insurance: Hi Anne, this entire mess sounds fishy to me. You should either hire an Attorney to sue your insurance company or gather all of your information regarding the vehicle s book value, any police report, any written correspondence with your insurance company,...

Insurance Law: stolen truck, stolen truck, maintenance section
stolen truck, maintenance section, insurance company: Hi Robin, if your friend has comprehensive coverage on the truck then he should file a claim with his insurance company and allow them to pay for the claim and do the work of obtaining their money back from the insurance of the dealership. If not then he...

Insurance Law: subrogation obligations, health insurance company, auto insurance company
health insurance company, auto insurance company, highmark blue shield: Hi Kyle- Your health insurance company has the right to recover their expenses for injuries that occur to you that someone else could be liable for. For example, if you were in a auto accident as a passenger in someone elses car, they would want to recover...

Insurance Law: Transportation Insurance and life insurance, life insurance policy, transportation insurance
life insurance policy, transportation insurance, insurance department: Hi Lisa- There isn t much you can do when the insurance company doesn t want to spend the money to pursue the other company. By accepting the claim payment, you relinquish all rights against the recovery, if any. Depending on the circumstances of the accident,...

Insurance Law: Unemployment insurance question, unemployment insurance benefits, full time job
unemployment insurance benefits, full time job, part time job: Hi again Laura, one job has nothing to do with the other. You had a full time job which due to reasons outside of your control is no longer available to you and thus you should be entitled to unemployment insurance benefits from that situation. Depending...

Insurance Law: Water leak, leak water, water leak
leak water, water leak, summonses: Hi Karen, the owner wants to have his cake and eat it too. Hopefully when you settled with the insurance company you signed a release for any and all claims arising out of event that occured on so and so day . If so then I am sure that the owner did the...

Insurance Law: Accident, small claims court, police report
small claims court, police report, consequences: Hi Shaun- I m not from New Jersey, but as I understand how your state s no fault laws work, if you choose to not purchase coverage for your vehicle, then you can t sue the other person even if they are at fault. As I understand it, that means if you try...

Insurance Law: Auto accident with no insurance, mandatory insurance, driver insurance
mandatory insurance, driver insurance, applys: Hi Cirea- your fiancee will have to make a claim against the other person s insurance. Just because there wasn t any insurance on her vehicle doesn t mean that the other person s insurance won t respond. I don t know if Tennessee is a mandatory insurance...

Insurance Law: Auto claim where the loss is more than the stated limit, salvage value, several thousand dollars
salvage value, several thousand dollars, gross loss: Hi Arthur- A Stated Value policy limits the amount the insurance company will pay in the event of a loss. If the car was worth more than that, you would have needed to submit documentation to the insurance company, and request a higher limit. Since you...

Insurance Law: Auto hitting structure/pool, pool leak detection, pool enclosure
pool leak detection, pool enclosure, days thanks: Hi Sherry- The insurance company will probably take the lower of the two estimates for the work. I don t know how much an attorney could help you. Usually attorney fees are awarded by a judge, and that would be taking this probably to more hassle than it...

Insurance Law: Auto Insurance in NYS: Question About Household, time insurance, insurance customer
time insurance, insurance customer, own insurance: Hi again Roman, the operative word in the statement made by Beth was the standard carriers . There are no N.Y.S. regulations governing how individual insurance carriers underwrite their potential insureds or operate their businesses as is the case for how...

Insurance Law: accident while backin up in a store parking lot, parking lot accidents, walmart parking lot
parking lot accidents, walmart parking lot, walmart: Hi Andrea, Parking lot accidents are among the most difficult type for an insurance company to settle because, just like in your case, there are usually no witnesses and no police report. Your own insurance company will believe every word from you that becomes...

Insurance Law: Back to back accident--use of insurance or not, driver discounts, median barrier
driver discounts, median barrier, friends of the family: Hi Larry- If the second accident had no injuries and wasn t reported to the police, you may indeed be better off paying it out of pocket. The resulting surcharges and possible non-renewal of your insurance would likely end up being more than the $6000 over...

Insurance Law: Will this affect my driving record?, own insurance, janney
own insurance, janney, san francisco bay area: Hi Janney, Filing a claim for a non fault accident will never effect your rates. You have waited for almost to long.......reports should be made within 1-2 days. First, make a report to your own insurance company. If you carry full coverage including...

Insurance Law: auto accident, independent witnesses, legal language
independent witnesses, legal language, left turn: Hi Rick, In situations where there is no police report and no independent witnesses and the drivers make conflicting statements, claims are always settled by the two insurance companies agreeing on a degree of fault for each driver and then making payment...

Insurance Law: auto accident with suspended licences, auto policy, auto accident
auto policy, auto accident, drivers license: Hi Sharon- There isn t a provision in the auto policy that I am aware of that says the auto policy does not have to pay if the accident with a permissive operator who didn t have a valid license caused an accident. Your friend could see his rates go up for...

Insurance Law: auto repair estimates, automotive painter, insurance question
automotive painter, insurance question, insurance company: Hi Robin- This isn t really an insurance question, but what he may want to do is to find another automotive painter at another company, and try to compare job times & estimates with each other. If he knows who the insurance company is, he could try to contact...

Insurance Law: Boat insurance claim, bilge pumps, bilge pump
bilge pumps, bilge pump, marine surveyor: Hi Deborah- The denial of the claim is correct, if the loss was in fact caused by failure of the bilge pump, or through hull fittings that let water come in, which the bilge pumps didn t respond to. Sorry, but unless the marine surveyor states the sinking...

Insurance Law: boyfriend parks my car in neutral & it rolls back into another parked car, collision insurance, car question
collision insurance, car question, insurance premium: Hi again Blondie, there is no law that forces a licensed driver to have an insurance policy unless he owns a vehicle. As far as your insurance company going after your boyfriend I see no reason why they would do such a thing. What they will do is to raise...

Insurance Law: City vehicle damaged my personal vehicle, auto body shop, legal standpoint
auto body shop, legal standpoint, necessary paperwork: Hi Kyle- It s not out of line that they are asking for a second estimate. It confirms the nature of the damage and the amount of time and materials it would take to repair the damage. The insurance company wants to make sure that the damage estimate isn...

Insurance Law: Commercial Property Overpayment, comercial property, loss settlement
comercial property, loss settlement, insurance contract: Hi Shari- Very interesting situation. The first place I would go to is the insurance contract, under the loss settlement provisions, and see whether the insurance contract specifies issues of payments that exceed what is actually spent, when the insured...

Insurance Law: Company Vehicle, personal auto insurance, department of motor vehicles
personal auto insurance, department of motor vehicles, state of south carolina: Hi Lee- This accident would probably show up on your motor vehicle record, and if it does, your insurance company would want to know what occurred, so as to determine whether they should surcharge your policy for the accident. Get a copy of the police report,...

Insurance Law: car damaging my property, auto insurance policy, small claims court
auto insurance policy, small claims court, property question: Hi Steven, Your homeowners insurance company will be willing to pay up to the full amount shown on your policy limits declarations page. They will be solely working for you to get your home put back into it s original condition. You have an obligation...

Insurance Law: car insurance, insurance lawyer, loose control
insurance lawyer, loose control, phonies: Hi Cecilia, you MUST give your insurance company the statement that they are requesting or else they will say that you were breaching your duty as a policyholder and prejudicing their investigation into your ex-boyfriend s claim and could deny coverage on...

Insurance Law: carpet dispute, personal belongings, preferred companies
personal belongings, preferred companies, catch phrases: Hi John, The insurance industry has done a 100% flip-flop over the past 10-12 years. Previously, all the preferred companies such as State Farm, AAA, Allstate, Farmers etc pampered you like a baby when you had a claim. Your claims agent would arrange...

Insurance Law: getting a Duplicate Tittle dispite a lien holder., bankruptcy proceedings, escrow account
bankruptcy proceedings, escrow account, duplicate title: Hi Cathy, about the only thing that comes to mind in this matter would be for you to explain this mess to the insurance company and ask them to place the monetary proceedings into an escrow account in your name so that you will not lose them when the bankruptcy...

Insurance Law: dad got killed by a drunk driver, underinsured motorist coverage, driving without a license
underinsured motorist coverage, driving without a license, hi tim: Hi Tim- So sorry about your loss. The insurance will only pay their policy limits, which would be $30,000 for Bodily Injury, and for damage to the vehicle under the $25,000. Your father s Underinsured will not respond, because there was coverage at...

Insurance Law: More and more damage found after snow, atrium windows, roofing company
atrium windows, roofing company, christmas eve: Hi Lynne- It s probably not to late to make a claim, but it would help if you had taken photos of the damage right after it occurred. Hopefully the roofing company will confirm the nature of the damage from the claim. The insurance company will appreciate...

Insurance Law: damage done on my vehicle, cutlass supreme, wall collapse
cutlass supreme, wall collapse, room shape: Hi Teri- First, I m not sure a judge would consider a 79 cutlass to be a collector car. You would probably have to show receipts and photos, showing how you have restored the vehicle to show room shape. Secondly, your landlord s attorney may attest...

Insurance Law: diving boards, independent insurance agency, farmers insurance
independent insurance agency, farmers insurance, diving board: Hi Deborah- Sorry, I can t recommend insurance companies, but you can contact an independent insurance agency, and ask if their carriers consider this to be an undue risk exposure. Diving accidents are a major liability concern, so depending on the size...

Insurance Law: Filing suit against an insurance company in small claims court, small claims court, policy provisions
small claims court, policy provisions, progressive insurance: Hi Will- What you may want to try first is to file a written complaint with your state s insurance department. Include all the documentation and a copy of the policy provisions, showing why coverage should be granted under the contract. They will investigate...

Insurance Law: Auto hitting structure/pool, undamaged portion, insurance company
Insurance Law: Auto hitting structure/pool, undamaged portion, insurance company, recourse

Insurance Law: diving boards, diving boards, accidents
Insurance Law: diving boards, diving boards, accidents, shape

Insurance Law: insurance law, armchair quarterback, personal opinion
Insurance Law: insurance law, armchair quarterback, personal opinion, legal assistance

Insurance Law: only excluded driver on auto insurance and got hit, parking lot accidents, insurance company
Insurance Law: only excluded driver on auto insurance and got hit, parking lot accidents, insurance company, good luck

Insurance Law: rental car accident - no SLP, indemnification clause, minor accident
Insurance Law: rental car accident - no SLP, indemnification clause, minor accident, liability coverage

Insurance Law: falling object from business/scratched car, small claims court, pool hall
small claims court, pool hall, black tar: Hi Mike- I can t say for certain how things work in Canada, but here in the states you would have to prove that the business who left the paint can on a ledge was negligent. Your friend might have to get estimates as to the damage, and sue that business...

Insurance Law: who is at fault, green arrow, independent witnesses
green arrow, independent witnesses, left turn: Hi Cece, by the way I am picturing this event and in light of what the independent witnesses are saying it occured I tend to agree with the assessment of the insurance companies in that it was the operator of the truck whom is at fault. It would appear that...

Insurance Law: friends home insurance, armed robbery, homeowners policy
armed robbery, homeowners policy, radar detectors: Hi Dimitris- The policy has limitations for cash, so you won t be able to recover from that policy. If you have renters insurance, you may be able to claim a small amount on that policy, or if you live with your parents, they can check with their homeowners...

Insurance Law: Girlfriend in accident. No Police report. No Citation. Now getting threatening letters, ohio plates, driving a car
ohio plates, driving a car, police report: Hi Colin, Your girlfriend should have made a full and complete report of the accident to your mothers insurance company. It then became their obligation to thoroughly to investigate the accident, make a decision on fault based on the location of damage to...

Insurance Law: Insurance ---, hi john, john harris
hi john, john harris, rate increase: Hi John- Your dad needs to ask what the rate increase was from. Part of it could have been from an across the board rate increase, and he could also have lost a claim free discount for filing any kind of claim. They should be able to tell him why it increased....

Insurance Law: insurance law, Falling Tree, Act of God
Falling Tree, Act of God: Hi Dan- I m not an attorney, nor from Tennessee, so I can t give you reference to Tennessee case law. I can tell you how it generally works though. If the tree was otherwise healthy, and simply came down in a storm due to high winds, ice, saturated soil,...

Insurance Law: insurance responsibilities, hood latch, time span
hood latch, time span, insurance companies: Hi Steve, insurance companies do not act as fast as you seemingly would like them to. I do not see how you could expect either insurance adjustor to give you an O.K. for anything given the short time span since the actual accident. I hope that you are not...

Insurance Law: Lapse in coverage for Auto, aaa roadside, insurance check
aaa roadside, insurance check, mail: Hi Rick, My heart goes out to you for all of the woes that you have endured but the way I see it AAA had every right to cancel the policy for non-payment because you had two opportunities to make sure that there was no lapse in payments. The first was when...

Insurance Law: Liability for 18 year old, auto insurance policies, case law
auto insurance policies, case law, relatives: Hi Steven- This is something that could depend on case law in your state. Generally, resident relatives that reside in your household are considered to have sort of an automatic permission to operate your vehicles, as they have access to them. I m not an...

Insurance Law: Liability for a fallen tree, good citizenship, stiff wind
good citizenship, stiff wind, adjustor: Hi Paul, the neighbor would be responsible for the damages and perhaps even the clearing up of the tree but if I were you I would notify my insurance company to have an adjustor come out and look at the dangerous tree. They may even notify the neighbor s...

Insurance Law: liability, neighbor park, attractive nuisance
neighbor park, attractive nuisance, fence: Hi Robert- It is possible that if someone falls off the boat onto your property, that you could be held partially liable. What you may want to do is consult an attorney, and draft a legal agreement so that he assumes all responsibility for any injuries that...

Insurance Law: life insurance, insurance company, life insurance
insurance company, life insurance, nursing home: Hi Lisa- I can t say with any certainty whether an insurance company in Great Britain would give life insurance for someone in your father s situation, at his age. I would expect that you would have a difficult time finding a company that would want to write...

Insurance Law: only excluded driver on auto insurance and got hit, doctors office, bodily injury
doctors office, bodily injury, own car: Hi Ziona, An exclusion is normally only used when a driver has a bad record. An exclusion means that the person excluded can NEVER drive your car under any circumstances. If your Agent told you that your husband could drive under certain circumstances...

Insurance Law: Parking Lot, parking lot accidents, necessary proof
parking lot accidents, necessary proof, recovery attempt: Hi Alaina, Parking lot accidents are among one of the most difficult types of accident to settle. This is because there are usually no police report and no witnesses. The insurance companies battle out the situation and they are usually settled on a 50/50...

Insurance Law: Parking Lot Accident, auto body shop, parking lot accident
auto body shop, parking lot accident, concrete slab: Hi Sean- I m not an attorney, nor from Maryland, but generally parking lots are considered an at will type of situation. In other words, it is your choice whether or not to accept the hazard of parking there. Since the sign states the parking if for the...

Insurance Law: parking lot door accident, dayna, san francisco bay area
dayna, san francisco bay area, insurance rate: ************************FOLLOW UP ************************ 4-11-09 Hi Dayna, I m still not happy with my own words. Every state has a law that if you damage someone else s property, then you owe them the cost of repair. The lady? who opened her door into...

Insurance Law: private parking lot, public roadway, fire lane
public roadway, fire lane, clearer view: Hi Pete, since a strip mall parking lot is not a public roadway or parking area it cannot be illegal to park in such a spot but is contrary to the rules which have been set up by the owners of the lot and subject to whatever penalties they may assess. There...

Insurance Law: Rear end collision, small claims court, step dad
small claims court, step dad, wrecking yard: Hi Mike, Assuming that the car was purchased in her name, there is no coverage from her parents policy, nor are her parents liable in any way since she is age 18. Your only option is to file small claims court action for your damages and medicals. You may...

Insurance Law: Reposessed vehicle liability, reposession, head on collision
reposession, head on collision, fiancee: Hi Joel, in my opinion he company that was doing the repossessing is totally on the hook for this event because they had legal possession of the SUV and must have given your fiancee s ex-husband a receipt for the vehicle when they took possession of it. I...

Insurance Law: ROAD INCEDENT, scratch, insurance
scratch, insurance: Hi Carl, it is impossible for me to give you an answer to this question because I cannot envision how this accident happened from the scant information you have given me. Did the other vehicle hit you from the side or the rear? If you were making a right...

Insurance Law: Roof Wind Damage, roofing companies, hurricane winds
roofing companies, hurricane winds, roofer: Hi Bruce- One question that comes to my mind is what the age of the roof was at the time of the loss. From what I m understanding here, it sounds like the roof may not have had a lot of time left in it. One suggestion would be to contact your state insurance...

Insurance Law: rental car accident - no SLP, financial responsibility laws, enterprise rent a car
financial responsibility laws, enterprise rent a car, rental transaction: Hi Lucas- I can t say for certain how Illinois law would respond in this situation, as I m not an attorney, nor from Illinois. The purposes of the hold harmless clause you signed above is to make you responsible for any damages you could cause others in...

Insurance Law: my rights after an accident, collision insurance, collision coverage
collision insurance, collision coverage, auto policy: Hi Roland- The auto policy, under liability coverage, doesn t require that the vehicle be replaced. It will only pay the market value of the car. Even if you had purchased collision coverage, the payment amount would still be the same. You may want to...

Insurance Law: Sebragation "No Fault" Pay & Chase, tort liability, fault type
tort liability, fault type, questioners: Hi KC, My speciality is tort liability and I am not up to speed on no-fault since about 12 states have a no-fault type of insurance and each one is different. Please redirect your question to Richard, here in Insurance Law. He is a no-fault expert in New...

Insurance Law: Settlement, letter in the mail, own insurance
letter in the mail, own insurance, proper documents: Hi Kat, From reading your question, it sounds like the adverse company has paid you 100% to settle the PROPERTY DAMAGE portion of your claim and you signed the proper documents (release of all claims for property damage). Once this has been done, neither...

Insurance Law: salvaged car hit, salvage value, salvage title
salvage value, salvage title, little car: Hi Maria, I m sorry to hear of your accident. On cars that have a salvage title, the insurance companies only consider their value as being 50%-60% of the value of the same car with a clean title. I m sure that they have already given you their dollar...

Insurance Law: stepbrother wrecked my car into church, stepmother, civil suit
stepmother, civil suit, insurance company: Hi Staci- Technically, you are the owner of the vehicle, since you never got the title changed. You should consult with an attorney, and see whether they think they can argue that you weren t liable. I believe that since the title wasn t changed, you will...