About Experts Sitemap - Group 30 - Page 4 2014-04-22

Insurance Law: Concrete Car Stop Damage, liability issue, business policy
liability issue, business policy, parking space: Hi Tim- Generally, parking lots are considered to be not a liability issue for the owners, because people coming there are coming of their own free will. It s possible that there could be some state law that comes into play, but you d need to consult with...

Insurance Law: Condo above me flooding my ceiling, claim request, condo insurance
claim request, condo insurance, kitchen ceiling: Hi Alfred- If you didn t purchase your own condo insurance, then you ve chosed to self insure for damages that happen like this. The first step would be to get an estimate or two for repairing the damage, and determine whether this would go to small claims...

Insurance Law: car accident, south carolina attorney, car accident
south carolina attorney, car accident, cousins: Hi Kourtney- I m not from South Carolina, but how it works in the rest of the country is this that the liability for this accident goes to the owner of the vehicle, your cousin, and not the driver who was given permission to drive. South Carolina may have...

Insurance Law: car wreck, soft tissue damage, pain and suffering
soft tissue damage, pain and suffering, leg brace: Hi Richard- Due to the extent of your injuries, you d be best off to consult with the attorney, and have him review your case, and advise what your options are in Texas. Pain and Suffering isn t a specific auto liability coverage, but Texas may have case...

Insurance Law: go to the court (insurance), incurance, extra 400
incurance, extra 400, happy holidays: 12/26/08 Hi OP, When you carry full coverage and are involved in an accident, the legal obligation of your own company is to repair your car (less your deductible) and provide you with a rental vehicle in accordance with the terms of your policy. Once the...

Insurance Law: am i covered, state case law, insurance policy
state case law, insurance policy, insurance: Hi Casaundra- It is possible that you may not be. You should consult with an attorney, who can look at the fact and the chain of permission, and determine whether the owner s insurance will respond. There may be state case law that will support you being...

Insurance Law: Denied Part of Claim, mold machines, single mom
mold machines, single mom, emergency water: Hi Katherine, Many years ago, before insurance companies ever dreamed of 1-800 telephone numbers being available 24/7 for their clients to report an emergency, they inserted a legal clause into your homeowners policy making it your legal responsibility to...

Insurance Law: deer struck auto, body shop, deer
body shop, deer, insurance: Hi Darren- Since you own the vehicle, they should be able to make the check directly to you. Just let them know. If you decide not to make the repairs, just make sure you don t file a claim for damage later for what was unrepaired at the time of the 2nd...

Insurance Law: I was driving my friends got and got in a car accident, legal speed limit, valid drivers license
legal speed limit, valid drivers license, car lengths: Hi Shawnte, Unfortunately, there was some bad judgement on your part. A car that is only 8 car lengths away will reach your location in approximately 8 to 12 seconds driving at the legal speed limit. There is no way that you could go from a dead stop and...

Insurance Law: Ex husband refusing to give me tags, contempt of court, divorce decree
contempt of court, divorce decree, insurance question: Hi Barbara- This really isn t an insurance question, but you could try calling the police department where he lives, and explain the situation, letting them know you have the court papers to prove all of this. Might actually be better off going there in...

Insurance Law: Followup, car insurance company, small claims court
car insurance company, small claims court, negligent driver: Hi George, CONGRATULATIONS !!!!!!!!!!!!!!!! Since both the driver and the attorney from the adverse insurance company showed up in court to defend themselves against the claim and lost, you are owed payment in full from the Insurance Company. You...

Insurance Law: pit bull insurance, neighbor, dogs
Insurance Law: pit bull insurance, neighbor, dogs, ignorence

Insurance Law: am i at fault in the middle of intersection someone hits me, intersection 4, transit driver
intersection 4, transit driver, passenger doors: Hi St4even, There are approximately a dozen states, mostly along the eastern seaboard whose insurance laws are based on no fault instead of tort liability. None of these states insurance laws are identical, but there are many similarities. The initial theory...

Insurance Law: Head on collision with drunk driver, physical damage insurance, physical damage coverage
physical damage insurance, physical damage coverage, physical damages: Hi Isaac- If you didn t have physical damage insurance coverage on your truck, then you will have to sue the other party for the damages above their policy limit. The court will put a judgment against the other party, and from there you have to see whether...

Insurance Law: Hit from rear, other company want to pay half., parking lot accidents, own insurance
parking lot accidents, own insurance, insurance company: Hi Eric- Parking lot accidents tend to get a 50/50 split of the liability, because it is very difficult to prove one of the parties is 100% at fault. I can see this could get ugly, and they will probably want you to turn this over to your own insurance....

Insurance Law: Home Insurance Escrow, going into escrow, mortgage bill
going into escrow, mortgage bill, mortgage agreement: Hi Jamie- The monthly charge is towards your next years premium, and putting that money into escrow may have been part of your mortgage agreement. From my experience, it is standard protactice when purchasing a home to have to pay the first years premium...

Insurance Law: Homeowners vacant coverage denied, frozen pipes, vacant home insurance
frozen pipes, vacant home insurance, broken water: Hi Patti- Coverage for vacant homes doesn t cover water damage from frozen pipes, because it s very likely that a house that is vacant will not be heated, making very probable that that type of loss would occur. You will need to review the information that...

Insurance Law: hit by car backing up., rear quarter panel, small claims court
rear quarter panel, small claims court, insurance commissioners: Hi Daniel- What you will probably have to do if the neighbor refuses to report it is to file a claim against them in small claims court for the damages. Prepare your case well, with photos, estimates ect. I take it that you didn t call the police, as a...

Insurance Law: Someone hit my parked car - I have no insurance, rental car reimbursement, accident occured
rental car reimbursement, accident occured, small claims court: Hi Tyler- I don t see how you would be considered at fault in the accident. What you will have to do once you identify the insurance company is to call and make a claim. It would be a good idea to take photos, if you haven t already, of the damage. If...

Insurance Law: hit rear bumber slowly, no damage, no police report, tiny car, insurance info
tiny car, insurance info, insurance policy: Hi Miro- Since you have her address, maybe you should contact her, and take a camera and get photos of the car, and perhaps work up ahead of time a written statement confirming there was no damage, to close up your concern over this. If it gets reported,...

Insurance Law: homeowners coverage, personal property subject, wooden playset
personal property subject, wooden playset, auto claim: Hi Donna, Your policy covers the home for the amount stated on the policy, plus an additional amount equal to 10% of that figure for any fencing and detached building structures such as a detached garage or shed. In addition, the policy provides an amount...

Insurance Law: My Insurance, hi mary, insurance card
hi mary, insurance card, auto policy: Hi Mary- This comes under the category of Newly Acquired Vehicles. If you have a vehicle insured now, then you have coverage on the new vehicle for a period of time spelled out on the policy (10 - 30 days), but only as broad as the coverage you now carry....

Insurance Law: Insurance company does not want to pay my car damages, parking lot accidents, month old baby
parking lot accidents, month old baby, small claims court: Hi Walter- I take it that you have liability only coverage on your vehicle, so your insurance isn t going to pick up the damage. With parking lot accidents, it s very difficult to ascertain who is at fault. What you can try to do is to file a claim in small...

Insurance Law: My Insurance paid the max amount, now what?, cars shop, foreign cars
cars shop, foreign cars, damage estimate: Hi Zack- Car damage is something difficult to estimate for those that aren t in the field. It has to do with many factors, including locating replacement parts (very expensive for foreign cars), shop rates, and matching paint to the undamaged areas. You...

Insurance Law: injury in front of my apartment, wooden planks, rental dwelling
wooden planks, rental dwelling, apartment owner: Hi Chris- This is a good question, and you might want to ask an attorney what they think, as this involved New York case law, which could lean either way, to your favor or not. The situation was somewhat of the hazard, and the question is whether it s the...

Insurance Law: They keep denying my claim, realestate agent, customer rep
realestate agent, customer rep, dilligent: Hi Mike- I would suggest contacting your state s insurance commissioners office, and make a written complaint, which they will investigate. It does seem unusual to me that someone would steal an installed furnace or a door. There is a vacancy provision,...

Insurance Law: liability of lienholder in accident, office hope, lienholder
office hope, lienholder, insurance commissioners: Hi Beth- I ve never heard of a lienholder being held liable for damages caused by the owner of a vehicle. Send the insurance company a copy of the title, showing you are the lienholder, not the owner. If they persist, make a written complaint to your state...

Insurance Law: who's liable, san francisco bay area, wind blows
san francisco bay area, wind blows, kroger: Hi Angela, If it was not your basket that rolled away and not your car that was hit, then you bear no liability. The grocery store is not liable because they have return areas for customers to park the carts. The owner of the car that was hit will have...

Insurance Law: Michigan PPL and No Fault Insurance, fault insurance, collision coverage
fault insurance, collision coverage, michigan gov: Hi Deb- Here is a link to Michigan s website on No Fault: http://www.michigan.gov/documents/cis_ofis_ip202_25083_7.pdf It sounds to me like you have chosen to not purchase collision coverage, so the other person s insurance will not respond, except for...

Insurance Law: Multi-family house fire and subrogation, policy provisions, insurance payment
policy provisions, insurance payment, policy coverage: Hi Greg- As to question #1, yes, this allows Allstate to go after your former tenants. The are entitled to it, it s in the policy provisions. For #2, yes, you are waiving your right to pursue actions against your tenant or, for example, the insurance...

Insurance Law: multiple car accident, car lengths, car accident
car lengths, car accident, insurance company: Hi Tim- This is a tough question, and I didn t find much help researching this on line. You may want to consult an attorney, who will determine whether you are able to sue the driver who caused the accident for the damages that were then caused to the car...

Insurance Law: Neighbors Tree Limb Invasion on my, mother natures, natures way
mother natures, natures way, insurance companys: Hi Roger- These types of losses are considered to be not a factor of negligence to the owner of the tree, unless you can prove without a doubt that the tree prior to this was completely dead, and should have been removed in it s entirety. So, each person...

Insurance Law: Owner liability for property damage over policy limits, primary insurance, excess coverage
primary insurance, excess coverage, owner liability: Hi Jeremy- Since you are the titled owner, you are the primary insurance for the accident. If he didn t have auto insurance, which would act as an excess coverage above your policy, you are probably going to be held personally liable for this, even if you...

Insurance Law: Parking lot california, hi john, drivers seat
hi john, drivers seat, insurance company: Hi John- Not having insurance doesn t make you not at fault, but in California, I believe you can get a ticket for not having insurance. You won t have an insurance company going after the other company for the damages. You ll have to work with them yourself....

Insurance Law: Proper way to transfer car insurance to new state, south carolina department of motor vehicles, dmv website
south carolina department of motor vehicles, dmv website, south carolina insurance: Hi Robyn- I m not from South Carolina, so I can t get into the technical aspects. Coverage on the auto policy began as of 12:01, but I doubt someone from South Carolina DMV is going to come to your house in Florida at 12:02 and give you a ticket. :) The...

Insurance Law: parking lot car wreck, forward traffic, natural flow
forward traffic, natural flow, bank teller: Hi Lisa- Thanks for the nice illustration! Unfortunately though, I think you re going to be considered at fault, at least to a greater percentage than the other driver, because you were backing up, and are to take car to avoid traffic moving in either direction....

Insurance Law: parking lot collisin, parking lot accidents, independent witnesses
parking lot accidents, independent witnesses, accident report: Hi Rick- Parking lot accidents are very difficult to determine fault on, especially if one of the parties isn t backing up. If there were independent witnesses who saw the accident, it can sometimes help. Often police will not even write up an accident...

Insurance Law: pit bull insurance, homeowners policy, pit bull
homeowners policy, pit bull, insurance companies: Hi Doug- As far as I m aware, there isn t a separate policy for dog liability. This comes under the homeowners policy. Many insurance companies will not insure a home with a pit bull, due to the large losses they have with that type of dog. I don t know...

Insurance Law: Rear ended, stop sign, insurance company
stop sign, insurance company, hard time: Hi James- The other party who rearended you is still at fault, so they will have a hard time trying to not pay the claim since you had an expired drivers license. Your cousin needs to file a claim with their insurance company for the damage. Hope this helps....

Insurance Law: rear ended, personal auto policy, insurance commissioners
personal auto policy, insurance commissioners, commissioners office: Hi Karen- I see nothing in the exclusions of the personal auto policy that state that the driver who rearended you would not have coverage under the policy. They certainly can t state that the damage was intentional. Ask them to provide you with the specific...

Insurance Law: reversing out of a drive way, insurance company, driveways
insurance company, driveways, bumpers: Hi David, the other driver s insurance company can ask all they want because this is clearly a non-event as far as negligence in concerned. Both drivers were at fault for backing out of their respective driveways without first ensuring that they had a clear...

Insurance Law: right of way backing out of parking space, speed limit signs, verbal statement
speed limit signs, verbal statement, parking space: Chauncy, The verbal statement from two people that the other party was speeding does not remove you from being at fault for unsafe backing . Only a police officer witnessing the accident and citing the other driver could change this accident to a case...

Insurance Law: Sister got hit by a lady that ran the stop sign, comparative negligence law, contributory negligence
comparative negligence law, contributory negligence, comparative fault: Hi Khou- I would suggest discussing this with an attorney, since the other party was clearly at fault. Here is some information about what Wisconsin Law states about negligence- In most cases, in order to collect on an injury claim in Wisconsin, you must...

Insurance Law: SR1 possibly never filed, salvage title, insurance requirements
salvage title, insurance requirements, california law: Hi Cindy- It sounds to me like you have two issues. One is the title of the vehicle. Since you didn t have insurance, it seems unlikely that you would have gotten a salvage title. You should have the original title you had when you purchased the car. ...

Insurance Law: Stolen, full coverage insurance, kelly blue book
full coverage insurance, kelly blue book, chevy cavilier: Hi Jennifer- I have a 1997 Cavalier, and it looks to me like they are trying to use trade in value instead of actual cash value or market value. The thing to keep in mind is that the car is 11 years old, and the policy is not a replacement cost policy. ...

Insurance Law: SUED BY INSURANCE COMPANY, payment arrangement, court hearing
payment arrangement, court hearing, insurance company: Hi Nene- If you can pay the full amount, you should do so. The judgment will not be removed until you have paid it in full. Usually they will allow you to make a monthly payment arrangement. Keep it, and it will be paid off before you know it. :) Denis...

Insurance Law: Sueing a minor, small claims court, bike rider
small claims court, bike rider, law attorneys: Hi Raul, I m sorry to hear of your problem. You didn t mention the age of the bike rider, but if he/she is under age 13 you may have a problem collecting. This would be small claims court action against the parents and the bike rider. Under California...

Insurance Law: son driving father's car, occasional driver, other vehicles
occasional driver, other vehicles, own insurance: Hi Robert- If you and his stepfather are on the legal title of the vehicle, then you are also exposed to him as a driver from a legal liability standpoint. If he lives with you, the insurance company will put him on as an occasional driver on one of your...

Insurance Law: stolen car accident liability, uninsured driver, question thanks
uninsured driver, question thanks, auto policy: Hi Brandon- There is an exclusion in the auto policy that would not provide coverage to vehicles that are not insured under the policy, but are owned by members of the household, so you won t find coverage there. As long as it is as you state, that the vehicle...

Insurance Law: Turning Right at Green Accident, hi doug, left turn
hi doug, left turn, intersection: Hi Doug- When turning, you are to stay in the lane of travel that you begin with. So you, being in the far right lane, should have turned into the far right lane, and then moved to the far left lane to make your turn when it was safe. The officer is correct,...

Insurance Law: Turning in Tag, divorce agreement, san francisco bay area
divorce agreement, san francisco bay area, san francisco bay: ************************FOLLOW-UP******************************* Marco, I am not a mind reader and can only answer your question as presented or just ramble on for 5 or 6 pages trying to cover every possibility. This is why I referred you back to your attorney...

Insurance Law: truck fire-gap insurance, gap coverage, gap insurance
gap coverage, gap insurance, recourse: Hi Alicia- If the policy was lapsed, you don t have any recourse against the policy, and GAP coverage wouldn t do you any good at this point. You should be able to see whether the Auto Loan/Lease Gap Coverage was on the policy by looking at the declarations...

Insurance Law: left turn accident, wittness, approching
wittness, approching, rightside: Hi David- Since the other party did not obey the flashing red light, they are considered to be at fault. They still have to obey the light, and if they just drove right through it, they would be at fault. If they had a green light, and you turned in front...

Insurance Law: Unauthorized moving of vehicle, insurance commissioners, commissioners office
insurance commissioners, commissioners office, insurance company: Hi Mary- Your best option would be to contact your state s insurance commissioners office and make a written complaint. They will investigate whether the company was in the wrong, in taking a car that they did not have a legal right to move. I doubt you...

Insurance Law: Uninsured motorist, default judgement, small claims court
default judgement, small claims court, city marshall: Hi Cheryl, forget all about anything in N.J. because the N.Y. courts do not have jurisdiction over there unless you file in Federal Court which is out of the question due to the small size of the damage. The best way to cut through all of this b.s. with the...

Insurance Law: Uninsured property damage, small claims court, criminal traffic
small claims court, criminal traffic, injury coverage: Hi John- I believe that you will need to make a claim in small claims court for the damage. Also, you should see how to put in a claim for damages in the reckless driving case, as the judge will likely put these damages as part of the conviction. I looked...

Insurance Law: uninsured motorist, small claims court, claims case
small claims court, claims case, bklyn: Hi Cheryl- I m not from the area, but I agree with the original responder, in that when you sue him in small claims court, he will have the three options to respond. New York law is very specific regarding insurance, as I recall. Technically, it is the...

Insurance Law: whos at fault, whle, state of new jersey
whle, state of new jersey, left hand: Hi Allison- I would have to say that you probably are, if you were making a turn against traffic and got hit while in the process of the turn. The driver making a turn against traffic is required to yield the right of way. Hope this helps. :) Denis...

Insurance Law: work van broken into, home owners insurance, iteams
home owners insurance, iteams, auto policy: Hi Rich, I m sorry to hear of your delima. Unfortunately, business tools and business property are NOT covered by either your auto policy nor your homeowners policy. These items require a floater policy that is only written by a few companies due to...

Insurance Law: What should I do, highway speed, police report
highway speed, police report, minivan: Hi Mike- Since your wife was going to be exiting the highway, I would say that it s likely a 60/40 at fault, as both parties are to yield to each other, and the one coming onto the highway as well as the one trying to get off have to avoid each other. The...

Insurance Law: 16 year old sister w/o drivers liscence gets in an accident in my car w/o my permission, drivers liscence, insurance fraud
drivers liscence, insurance fraud, time factor: Hi Andrew, You are really caught between a rock and a hard place on this one. If you decline to state that your sister had your permission to drive the car, you must file a theft report against your sister and prosecute to the fullest extent of the law in...

Insurance Law: 3 car crash, mail return receipt, certified mail
mail return receipt, certified mail, letter of apology: Hi Eddy, this doesn t seem to me to be anything more than an error on the part of some overworked clerk at the department of state. What you should do is type out a letter which describes the accident and attach a copy of the police report to it and send...

Insurance Law: 3 car hit and run, dodge ram truck, full coverage insurance
dodge ram truck, full coverage insurance, auto insurance policy: Hi JeneILE, Based on the last sentence of your question, I am answering this question on the assumption that you are a resident of California, or the accident happened in California. Some of the statements that I make may be specific only to California....

Insurance Law: Accident, underinsured motorist coverage, brand new car
underinsured motorist coverage, brand new car, collision insurance: Hi Lisa, uninsured/underinsured motorist coverage generally only pays for personal injuries caused by another driver who was not insured at the time of the accident and not for property damage. The property damage in a case such as this would be covered by...

Insurance Law: Backing out of driveway, move vehicle, lookout
move vehicle, lookout: Hi Al, unfortunately the liability for this event is all yours. It was your duty to make sure that you had a clear and unobstructed right to back out of your driveway before and while doing so. The moving vehicle had the right of way and did not have any...

Insurance Law: backing out of a diagonal parking spot, prime candidate, san francisco bay area
prime candidate, san francisco bay area, rate increase: Hi Linnette, It s very possible that the officer had hit a metal pole or some other object during his shift and didn t want the accident to go on his record and saw you as a scapegoat to take the blame. I agree that you should take all the photographs...

Insurance Law: my brothers car accident, small claims court, claim letter
small claims court, claim letter, insurance regulations: Hi Sam, this sounds like a lot of hooey to me but I am never amazed at some of the insurance regulations and exemptions that are written into insurance policies in the various states. Ask that insurance company to send you a copy of the policy exclusions...

Insurance Law: Car Accident, small claims court, dealer tags
small claims court, dealer tags, insurance premiums: Hi Dee, the way I see this is that the owner of the vehicle that you were driving at the time of this accident has to proceed against either the owner of the at fault vehicle or through their own uninsured motorist and collision endorsements of their own insurance...

Insurance Law: Car rental liability insurance coverage, liability insurance coverage, auto insurance policy
liability insurance coverage, auto insurance policy, denise thanks: Hi Andy- It will cover you for the rental car, but you should check to see if it will give you higher liability coverage also, for both Bodily Injury and Property Damage. $15,000 is nothing now for damage to vehicles. Hope your trip goes well and safely....

Insurance Law: Car was stolen, bristol west, impoundment
bristol west, impoundment, state police: ********************* FOLLOW UP ************************************ I agree that it might be a good idea to see an attorney. He might be able to assist you in getting the release of your car. More important, if the insurance company pursues the investigation...

Insurance Law: car insurance dispute, car insurance policy, tesco insurance
car insurance policy, tesco insurance, insurance dispute: Hi Nicholas, the only reason that any insurance carrier should be able to make any changes is if it is somehow mandated by a change in State Insurance regulations. As far as the issue of writing the car off is concerned it is up to the insurance company...

Insurance Law: car theft after trust, false police report, tax payers money
false police report, tax payers money, basketball practice: Hi Christine, I strongly urge you to consult an attorney. It sounds like you may be dealing with a very homophobic police department (most usually are). Based on your last statements, any competent attorney should be able to arrange for you to drop the...

Insurance Law: My car was totaled while parked, small claims court, monetary limits
small claims court, monetary limits, statutes of limitations: Hi Jose, the question of which court to sue in depends upon the prevailing state laws regarding the monetary limits for each court. The easiest and least expensive way to go would be small claims court. The monetary limits might exceed $7,000 and you do...

Insurance Law: My car was totalled and other party's carrier is just ignoring us, illinois dept of insurance, physical damage coverage
illinois dept of insurance, physical damage coverage, state department of insurance: Hi Debbie- Yes, you should definately file a complaint. They can t get off on the liability because of weather. It s still a factor of negligence for the driver, for failing to keep their vehicle under control. Once you make the complaint, you should get...

Insurance Law: cover my family, surety bonds, surety bond
surety bonds, surety bond, bonding company: Hi Vance- There are a number of issues with surety bonds in lieu of auto insurance. One is that some states do not allow them. Another is that the limits required vary by state, or they require the bonding company to reside in that state. Sorry I can t...

Insurance Law: Daughter in car accident, property damage insurance, criminal act
property damage insurance, criminal act, medical bills: Hi Shelly, your daughter should be covered for her medical bills through the no-fault endorsements on the insurance policy for the vehicle she was driving at the time of the accident unless she was under the influence of either a drug or alcohol, driving during...

Insurance Law: A driver cut me off and rubbed my front quarter panel - is it my fault?, hi tim, quarter panel
hi tim, quarter panel, oncoming traffic: Hi Tim, In my opinion, you should file a hit-and -run report with the police department. They will locate and photograph the other car and compare the location of it s damage to your damaged area. In most cases, this reconstruction can determine which car...

Insurance Law: driving into an opened door, pointing fingers, oncoming car
pointing fingers, oncoming car, umran: Hi Umran, in my opinion you and the other driver are needlessly pointing fingers at one another. The real at-fault person here is the idiot who opened his car door into a moving lane of traffic without making sure that no vehicles were oncoming. Loading...

Insurance Law: Employer parking lot accedent, full coverage insurance, small claims court
full coverage insurance, small claims court, will make every attempt: Hi TJ, I agree with you. Your fellow employee probably purchased the insurance after the accident and that company will not pay the claim because the accident happened before the effective time of the policy. You need to report this accident to your own...

Insurance Law: estimate of setelment, car one, car accident
car one, car accident, back pain: Hi Adam- I can t really help you with this. This is something that you should discuss with an attorney, so that you get a large enough settlement to take care of your injuries. One issue to be concerned about is what liability limits the party that hit...

Insurance Law: Fallen tree limb, broken windshield, windshield repair
broken windshield, windshield repair, glass coverage: Hi Chris- It all depends on the insurance coverage that your purchased. I did a brief search on google, and didn t find anything stating that you would get a free windshield if you had a deductible of $1000. You will need to pull out the fine print of your...

Insurance Law: Firing while on WC claim, compensation doctor, physicians assistant
compensation doctor, physicians assistant, workmens compensation laws: Hi Terri, Workmens Compensation laws vary tremendously between states. In my opinion, any restrictions that limit your duties should be in writing from a Medical Doctor. In most states, unless you have previously stated in writing that you desire to be...

Insurance Law: Friend caused accident, san francisco bay area, san francisco bay
san francisco bay area, san francisco bay, insurance companies: Hi Vinny, If the total damage is under $500 (under $750 in some states), most insurance companies will not consider it a chargeable accident and it will not cause your rates to increase. You can discuss this issue with your own agent. Many companies will...

Insurance Law: cover my family, surety bond, insurance company
Insurance Law: cover my family, surety bond, insurance company, insurance

Insurance Law: taxi accident, atic, rrr
Insurance Law: taxi accident, atic, rrr, ditto

Insurance Law: Homeowner Liability to Damaged Vehicle, auto insurance policy, auto insurance company
auto insurance policy, auto insurance company, best bet: Hi Kevin, if the tree was in some way partially dead and a limb fell onto your vehicle then I believe it should be covered by the homeowner s insurance. If the storm caused the tree limb to fall then I do not think the claim would be valid. Your best bet...

Insurance Law: Homeowners claim, surface water waves, wisconsin flood
surface water waves, wisconsin flood, defective workmanship: Hi Paul- Ask the insurance company will probably cite the specific page and paragraph of the policy provisions that they are using to justify the claim denial. They are probably using the following, the Exclusion for Water: Water Flood, surface water,...

Insurance Law: Husband's shopping cart rolled into another car while he was loading, car insurance info, auto policy
car insurance info, auto policy, personal auto: Hi Mary- These situations are a puzzle for me too. I believe it could possibly come under the auto insurance, since you were in the process of loading/unloading your vehicle. Try filing it there first, and see what they say, and please let me know how it...

Insurance Law: Increase of Insurance Premium?, legal justification, insurance report
legal justification, insurance report, amber light: Hi John, although your friend s insurance company is not going to be too thrilled by this I do not see how they can have any legal justification for raising the insurance premium on her mother s insurance policy because they do not insure you, and neither...

Insurance Law: Insurance adjustor, state department of insurance, contractual obligation
state department of insurance, contractual obligation, department of insurance: Hi Jarrett, I suggest that you telephone each company that gave you an estimate and explain that your insurance company has determined that the job should only cost $3,200 and ask if they are willing to accept the job at that price. If they all decline,...

Insurance Law: Insurance check way too low, small claims court, fault insurance
small claims court, fault insurance, insurance check: Hi Sam, in this case I suggest that you take the vehicle to another shop or two and get written estimates or merely get an estimate of the cost of the part from Mercedes and an estimate of the labor from another shop. Send these into the insurance and begin...

Insurance Law: Insurance check is way too low, fault insurance, insurance administrator
fault insurance, insurance administrator, tort liability: Hi Sam, New York is one of the 11 no fault insurance states. The Insurance Laws and no fault insurance plans are different in each state. My entire career has been spent in states with tort liability laws. My recommendation is that you go back to the INSURANCE...

Insurance Law: Insurance denied responsiblity even though police report shows that other driver is at fault, dmv paperwork, certified mail
dmv paperwork, certified mail, small claims court: Hi Lisa, obtain two estimates of the damages and send copies to the other driver with a demand for payment via certified mail and then wait for 20 days. If he refuses of you do not hear from him then by all means sue him in small claims court. His insurance...

Insurance Law: Insurance money?, county court house, compromise settlement
county court house, compromise settlement, insurance money: Hi Neal, This is kind of strange. Prior to the the federal government changing the voting age to age 18 in about 1981, any settlement to a minor had to remain in a trust account until age 21. When the voting age was dropped to age 18, most states changed...

Insurance Law: Insured driver, insurance fraud, accident claim
insurance fraud, accident claim, federal crime: Hi Stacie, if you lend your vehicle to anyone on a one time basis then the vehicle will still be covered but if it is on a fairly regular or permanent basis then that person had better be added to your policy to avoid the inevitable denial of all claims. When...

Insurance Law: no insurance, surveillance tape, arby s
surveillance tape, arby s, eyewitnesses: Hi Hellen, I hate to say this but your only option here is to attempt to gather evidence that the truck was speeding. If there were any eyewitnesses listed on the police report you can start there. You can also check with that Arby s to see if they kept...

Insurance Law: insurance approved liability then denied, fuse box, insurance adjuster
fuse box, insurance adjuster, car damage: Hi Sue, Based on the response from your state insurance department to date, I don t think that you can expect any stronger assistance from them. In my opinion, this leaves you with two possible choices. First option: File claims with both your auto and...

Insurance Law: insurance company doesnt want to pay, insurance department, pain and suffering
insurance department, pain and suffering, complaint form: Hi Latisha- The other party not having insurance doesn t absolve the insurance company of their obligation to pay justified damages to the party their insured caused. I would go to your state s insurance department s website, and download the written complaint...

Insurance Law: insurance liability, beaver street, insurance expert
beaver street, insurance expert, dept of insurance: Hi John, it sounds like a weird policy to me. Usually the liability limits are for 100/300 for liability. The 200 under collision would indicate a $200 deductible. Are you sure that there were no other numbers on the policy to correspond? What about property...

Insurance Law: insurance related question, mercury insurance, unfortunate problem
mercury insurance, unfortunate problem, question question: Hi Sunil, Your girlfriend should first file a complaint with the California Department of Insurance. The DOI has a great website that is easily negotiated, located at http://www.insurance.ca.gov/ They can only assist her if she is NOT represented by an...

Insurance Law: Lien on car, small claims court, department of motor vehicles
small claims court, department of motor vehicles, car question: Hi Phil- How this is handled must vary by state. I agree that it seems unusual for a company to be able to get a lien on your car without a hearing and without your knowledge. Is the amount of the portion that they didn t lose in small claims court? You...

Insurance Law: liable?, personal mechanic, mechanic friend
personal mechanic, mechanic friend, accident occured: Hi Oscar, so the mechanic idea is out of the picture. There are no laws regarding this type of liability. The driver that hit into you is most likely saying that your friend stopped short and caused the accident. You are in a bad spot because you weren...

Insurance Law: lien on virginis driver license, virginia dmv, hardship case
virginia dmv, hardship case, conditional license: Hi Leigh, I do not see how these debts will ever die unless you make some type of payment arrangement. This is a Catch 22 situation. Hard to get a job without being able to drive and can t pay the fines because no job means no money. Your credit rating...

Insurance Law: Man drove into our well cap, well drillers, well casing
well drillers, well casing, environmental engineer: Hi Stephanie- I would get an attorney involved, and also you may want to make a inquiry about their handling of the claim to your State s Insurance Department, so they can remind the insurance company of their obligations, and get your water tested ASAP....

Insurance Law: motor insurance, auto insurance policy, work colleague
auto insurance policy, work colleague, proper coverage: Hi Stephen, If your co-worker carried Comprehensive coverage on his auto insurance policy and made a theft report to the police department, I can see no grounds for his insurance company to deny the claim. If he carried the proper coverage and made the police...

Insurance Law: Parking Lot liability, stationary objects, parking space
stationary objects, parking space, parking lot: Hi Carl- No, there is no shared liability on this. The person backing up the vehicle is required to back up safely, avoiding oncoming and stationary objects. Sorry, but from what I can see, she is 100% at fault. It is possible (although highly remote) that...

Insurance Law: Policy effective time, insurance fraud, proper documents
insurance fraud, proper documents, insurance agent: Hi Jess, I assume that you are referring to a new policy. The effective time is the date and time at which you applied for the policy and signed all the proper documents. There is no way that an effective time can be back dated for a few hours. This is...

Insurance Law: Proximate Cause, personal injury protection, texas department of insurance
personal injury protection, texas department of insurance, medical injuries: Hi Mary- I m not from Texas, but if the police report clearly states him admitting that he pulled into your lane, he s considered to be primarily at fault, and his insurance should pay for the damage to the truck. Medical Injuries gets more complicated in...

Insurance Law: parking lot accident, parking lot accident, sandwich shop
parking lot accident, sandwich shop, car door: Hi Brenda- Since she was backing out, she would be considered at fault. The person backing up their vehicle is required to make sure the way is clear before proceeding. The police may not have done anything anyways, since parking lots are often considered...

Insurance Law: personal belongings, state attorney general, personal belongings
state attorney general, personal belongings, brick layer: Hi Amber, I do not know if he has any rights in a case such as this. I think that you should call your State Attorney General s Office and run this scenario past them. I believe that all towing and impounding facillities are under their jurisdiction...

Insurance Law: Re: Stolen Vehicle recovery, personal mechanic, san francisco bay area
personal mechanic, san francisco bay area, san francisco bay: Hi Summer, I wish that I had a little more information on the nature of your problems. Based on the information contained in your question, you should first make a report to the insurance company. Once you convince them that your vehicle is not back in...

Insurance Law: Tree danage to the neighbors house, act of god, snow storm
act of god, snow storm, gutter: Hi Tom- I can t answer as to the specifics, but the general rule is that a tree has to be visibly dead- no leaves ect, and ignored by the owner. Otherwise, it s considered to be an act of God, and they would handle it themselves. It would be the same thing...

Insurance Law: taxi accident, accident occured, claim numbers
accident occured, claim numbers, transit insurance: Hi again Karla, if there are no apparent injuries such as fractures, back aches, scars etc. then they were merely shaken up and would not meet the no-fault threshold to bring a lawsuit. The Nanny could make a no-fault insurance claim for lost wages as part...

Insurance Law: terminated policy, tort liability system, car pileup
tort liability system, car pileup, napoleonic law: Hi Kendall, Even though many of Louisiana s laws have been passed down from the Napoleonic system, the insurance laws are under the tort liability system. The fact that your vehicle was uninsured at the time of the accident has no relationship with your...

Insurance Law: unlicensed driver, unlicensed driver, face sheet
unlicensed driver, face sheet, minor accident: Hi Vi, Insurance companies are aware that situations can arise when an unlicensed driver might drive your car. The majority of companies do not make a requirement that the driver be licensed as long as you gave him/her permission to drive the car. There...

Insurance Law: Vehicle damaged while in repair person's possession, licensed mechanic, repair person
licensed mechanic, repair person, rear window: Hi Elaine, let me get this straight in my mind. You had $3000 worth of repairs in a shop. Then you brought the vehicle to a friend or acquaintance who was to replace the motor on the vehicle. He then moved the vehicle to another loacation before working...

Insurance Law: IN A WRECK NO INSURANCE, olderman, medical bill
olderman, medical bill, police report: Hi Tj, your girlfriend should obtain a copy of the police report and file a claim for personal injury with the other driver s insurance company and you should get an estimate of the damages and file a claim for the property damages also. Just because you...

Insurance Law: 18 YR OLD ON MY INSURANCE, own insurance, hi doug
own insurance, hi doug, natchitoches la: Hi Doug, In most cases you are completely relieved of parental responsibility if your child is age 18 or over and has his own car and own insurance even if he is still living in your household. Most states still consider him a resident while away at school,...

Insurance Law: Accident, small claims court, insurance investigator
small claims court, insurance investigator, da judge: Hi Ryan, I have never heard of a restitution hearing but it seems to me that the insurance company lost its defense of its position and should pay you the other 15%. If not you can petition that Judge to get after them or sue their insured in small claims...

Insurance Law: Accident - No Headlights., subaru outback, high beams
subaru outback, high beams, toyota corolla: Hi Stephanie, since there were no witnesses to this event it would be your word against the word of the other driver and since you were making the left and thus had the duty to ensure that there were no vehicles crossing that intersection it seems to me that...

Insurance Law: Accident Insurance Won't Cover? Help, gap insurance, vw beetle
gap insurance, vw beetle, own insurance: Hi Raul, There are usually only three reasons that give your company the right to deny this claim. 1. Insurance companies require that all licensed drivers in the household be listed on the policy for coverage to apply. If your son lives with you and you...

Insurance Law: Accident Liability in accident, unsafe lane change, road rage
unsafe lane change, road rage, traffic facts: Hi Glenn- Unfortunately, you are considered to be at fault, because the driver coming into traffic is required to do so safely, and yield to other drivers in the existing traffic flow. Sorry, but I don t see any way they won t take care of 100% of his damages....

Insurance Law: Additional driver, state insurance, insurance law
state insurance, insurance law, san francisco bay area: Hi James, State insurance law allows the insurance company to collect the proper premium based on the risk involved. You need to add your friend to the policy as a regular driver so the insurance company can evaluate the additional risk and make extra charges...

Insurance Law: Auto Insurance Claim No Fault State MA, auto insurance claim, car bumber
auto insurance claim, car bumber, small claims court: Hi again Daniel, once again I am telling you what you must do in order to obtain justice here and also to force that insurance company to pay out on your claims. You must sue the other driver. Stop being devastated and stop thinking that the other driver...

Insurance Law: Auto Theft, fancy paint, gold wheels
fancy paint, gold wheels, paint job: Hi Steven- There are limits in the policy for stereo systems and other customization, and they need to be endorsed onto the policy, so that coverage will be given and additional premium gathered for the additional exposure to the higher value. There are...

Insurance Law: Auto Theft Claim Denial, vehicle estimates, small claims court
vehicle estimates, small claims court, geico: Hi again Coco, it seems to me that your father-in-law who is the titled owner of the vehicle should have and should now file the police report. The police will take down all of the information and make out a report of the theft belatedly. This should make...

Insurance Law: accident, physical damage insurance, own insurance
physical damage insurance, own insurance, red signal: Hi Grace- You re in a tough spot here. You really should have called the police, but I m sure you realize that now. If you had the yellow, you had the right of way, but it s going to be hard to prove it, since no one else whas there, although there is something...

Insurance Law: Backing out of a Parking Lot space is NOT a fault while hitting oncoming traffic., oncoming traffic, traffic lane
oncoming traffic, traffic lane, insurance companies: Hi Mike- You dad has an interesting perspective, however I believe strongly that if you talk to insurance companies and to the police department, they will interpret it that the person backing the vehicle out is the one with more responsibility to make certain...

Insurance Law: My brother got into an accident in his car, but insurance was under my name., sunshine state, insurance policy
sunshine state, insurance policy, medical bills: Hi Cesar, the other driver s insurance should cover the property damage to your vehicle. If the other driver has no insurance then yours should cover the damages. Either way any medical bills your brother incurred should be paid under the no-fault endorsements...

Insurance Law: CA - Car Accident, No Fault, No Insurance, grace periods, homeowners policies
grace periods, homeowners policies, contributory factors: Hi Belinda- First of all, there are NO grace periods ever on auto or homeowners policies, just so you know for the future. Let the insurance company know that there was no coverage in effect, and make certain you file the SR1 report. I m not from California,...

Insurance Law: Car Accident-Over Limit of Coverage, personal assets, going to the doctor
personal assets, going to the doctor, liability coverage: Hi Son or Dennis, there is nothing for you to do at this point. Your insurance has to be exhausted before you actually would owe the woman anything and that would have to be as a result of a judgement in her favor that is for more money than you are insured...

Insurance Law: Car Theft, case hi, common time
case hi, common time, time periods: Hi Kevin, The legal wording in insurance policies vary between states. If your car is not recovered within a certain time frame, the insurance company will consider it a total loss and settle with you for the actual cash value of your car plus sales tax...

Insurance Law: Collision With Parked Vehicle, oncoming traffic, other vehicles
oncoming traffic, other vehicles, wrong direction: Hi Anthony, In my opinion, you should not be held 100% at fault, but that is just an opinion. Since the other party deliberately parked his vehicle in the wrong direction and blocked the lane in order to protect his son s car and then was stupid enough to...

Insurance Law: car, local store, road conditions
local store, road conditions, parking lot: Hi Andria, due to the fact that there was still icy precipitation coming down you do not have anyone else to blame the negligence for the accident on. If it had stopped for a long time prior to this event then you could make out a case that the parking lot...

Insurance Law: i had a car accident all my fault, interest on the loan, car accident
interest on the loan, car accident, insurance company: Hi Junior- You re in a tough spot here. If the car was legally titled to you, you are responsible for the insurance. Period. Not your Dad. It s not covered under your Dad s policy. He s just an additional interest on the loan. So, what you can try saying...

Insurance Law: car accident on private property, car damages, repair damages
car damages, repair damages, getting insurance: Hi Sheena, I would try to get in touch with Fedex first. There must be some way. Hopefully you got the license plate number and also the driver s name. In the meantime you can obtain an estimate of the repair damages and if you like call your insurance...

Insurance Law: car dooring, busy street, san francisco bay area
busy street, san francisco bay area, san francisco bay: Hi Jen, As you describe the situation, you would be considered at fault. When exiting or entering a parked car, you have the obligation to make sure that your actions will not affect the flow of traffic on the street, since they have the right of way. I...

Insurance Law: car insurance, small claims court, legal guardians
small claims court, legal guardians, trailblazer: Hi Shane- Technically, it is the sister who is legally liable for the damages, since she is the owner of the car. You can try filing in Small Claims court to recover your damages. Since he is a minor, they may award you the damages. Hope this helps. :)...

Insurance Law: collision, uninsured, property damages, police report
property damages, police report, hurry: Hi Kathy, unless Indiana has a no-fault only law in effect the other driver is at fault and therefore liable for your property damages. I hope that you filled out a police report and got their information before they took off because if they have no insurance...

Insurance Law: out of country, insurance co, police report
insurance co, police report, insurance policy: Hi Linda- If their insurance policy is from Canada, I really can t answer, since different policy forms apply. I would suggest going to the officer who saw the damage on your car, and with him there, take photographs of the damage, and ask him to sign a...

Insurance Law: What counts as an "accident plan"?, auto insurance policy, medical payments coverage
auto insurance policy, medical payments coverage, insurance medical: Hi JimmyS, Your auto insurance medical usually only covers you while in or about a motor vehicle. That means entering into, riding in, alighting from or being struck by a motorized vehicle. The wording can be different in various states. You should call...

Insurance Law: Drunk driving accident, free initial evaluation, personal injury attorney
free initial evaluation, personal injury attorney, contingency fee: Hi Eli, first thing is your roommate should follow his Dr.s directions and get himself better health wise. At this point just allow the insurance company to do its investigation. If he is not happy with the way the negotiations go then he can retain the...

Insurance Law: DV, diminished value, google
diminished value, google, case law: Hi Scott- I m not an attorney, but you may want to do a search on google on laws in your state to see what you come up with, or consult an attorney. There is one state that comes to mind, I believe it s Virginia, which allows diminished value to come into...

Insurance Law: damage to my car from tree limbs, rearview mirror, claim letter
rearview mirror, claim letter, adjustor: Hi Frank, before you do anything you must take pictures of that limb, the part of the tree it came off, and also your damages. If the damages are far in excess of your deductible then it is possible that your insurance company would attempt to be reimbursed...

Insurance Law: disabilty, disabilty insurance, disability payments
disabilty insurance, disability payments, stock answers: Hi Andy, I was going to blow off{pardon the use of words} this question with one of the stock answers we use here at all-experts of this is a non-serious question but I got a chuckle out of it so I will answer it. As long as the toking has nothing to do...

Insurance Law: driver had suspended license, physical damage coverage, gap coverage
physical damage coverage, gap coverage, daycare: Hi Michelle- If you carried physical damage coverage on your car, since you gave permission to the driver, your insurance policy will respond, subject to your deductible. The policy may not pay the total that you owe on the car though, unless you purchased...

Insurance Law: driveway collision, partial responsibility, accountablity
partial responsibility, accountablity, best bet: Hi again Jennifer, I agree with you wholeheartedly! I think that the collection agency should accept around 50% or perhaps a bit higher to avoid litigation and yes, they would all have to appear in court to pursue any action against you. A Judge would probably...

Insurance Law: Employer wants me to park his vehicle at my house., florida hurricane season, hold harmless letter
florida hurricane season, hold harmless letter, garage insurance: Hi Kathryn, I strongly suggest that you have your employer write out a hold harmless letter for both of you to sign before a notary public before you agree to this tomfoolery! By allowing him to park his vehicle on your property he is putting both yourself...

Insurance Law: Failure to yeild right of way, other vehicles, department of insurance
other vehicles, department of insurance, police report: Hi James- The first thing I would suggest is getting a copy of the police report, submit a copy of that again to the insurance company, and if they will not pay, make a written complaint to the NC Department of Insurance, enclosing a copy of the police report...

Insurance Law: Fender Bender - Insurance exchange, fender bender, address phone number
fender bender, address phone number, driving without insurance: Hi Wookie, In my opinion, you need to make an immediate report to your own insurance company of the accident. When the driver of the van comes back to your home, be sure to get his name, address, phone number license plate number of van (plus make and model)...

Insurance Law: Fighting Arbitration, arbitration forum, filing a lawsuit
arbitration forum, filing a lawsuit, matter of law: Hi David, you would have to read the rules and regulations of that particular arbitration forum which should have been provided to you before you agreed to have the matter arbitrated instead of filing a lawsuit. In many cases the arbitration ruling is binding...

Insurance Law: FLOOD CLAIMS, flood claim, state department of insurance
flood claim, state department of insurance, fidelity national: Hi David, I have no knowledge that the law in any state forbids the insurance company from getting a release. If such a law exists in Florida, the fact the flood insurance is a Federally Subsidized program may waive that rule. You can always contact the...

Insurance Law: out of country, insurance company, uo
Insurance Law: out of country, insurance company, uo, insurance

Insurance Law: subrogation, ssd ltd, ssd benefits
Insurance Law: subrogation, ssd ltd, ssd benefits, reimbursement rights

Insurance Law: general liability audit, liability policy, gross sales
liability policy, gross sales, insurance company: Hi Susan- Yes, legally, you do have to do this audit. You agreed to it per the conditions of the policy- it s there in the fine print. The premium for the policy term is based on the information provided initially (usually, your estimates of gross sales,...

Insurance Law: Hit car while working in Parking Lot, tax collectors office, path of least resistance
tax collectors office, path of least resistance, claim letter: Hi V. Lara, this is going to be a toughie. That Attorney may just be fishing to see if he gets a nibble or he genuinely cannot find the former lot owners in order to properly present his claim. Doesn t the new owner know the whereabouts of the former one?...

Insurance Law: Homeowner/builder liability claim, mold problem, builder warranty
mold problem, builder warranty, laminate flooring: Hi Kristine, I doubt that the original builder could be held accountable for this problem because it has occurred after the 1 year warranty period. As for the homeowners insurance it would depend upon the policy itself and not in which State it was written...

Insurance Law: Homeowner warranty claim, warranty works, upstairs bathroom
warranty works, upstairs bathroom, warranty claim: Hi Evan, You need to call the Realtor or the real estate office that handled the sale of the home to you. They will have all the information about the home warranty and assist you in filing a claim. I hope that you find this information useful. Please...

Insurance Law: I hit a parked car, accident occured, rate increases
accident occured, rate increases, mishap: Hi Gordon, the rules of the State that the accident occured in apply but I do not see how this should make a difference. If you and the other driver can work this mishap between yourselves and you get a signed release of all claims from the owner of the parked...

Insurance Law: homeowners insurance, company adjuster, fuse box
company adjuster, fuse box, dead limbs: Hi Sue- I had a hard time understanding all what you were trying to get across. My background isn t claims, but I can give you my opinion. If your neighbor had branches that came off in a storm, and her insurance company sent out an adjuster to view whether...

Insurance Law: Inactive auto insurance, small claims court, insurance policy
small claims court, insurance policy, insurance company: Hi Khyati- Some states will allow you to have a judgment put on the other person s driving record if they cause damage and do not have insurance. They have to pay the damage in order to keep their drivers license. You might want to check that out in your...

Insurance Law: Insurance, mandatory insurance, insurance fraud
mandatory insurance, insurance fraud, insurance report: Hi Stephon, You need to contact the other party immediately, before they make a report to their insurance company, explain that you had no insurance but wish to pay them in full based on the lowest of two estimates. You do not want to get your new insurance...

Insurance Law: Insurance on car financed to someone else?, occasional driver, esurance
occasional driver, esurance, insurance carriers: Hi again Leah, in my opinion the best and easiest thing to do is to have all vehicles on the same policy. You would obtain the benefit in a lower insurance rate due to multi-car discount and you would only have one premium to pay thus avoiding a headache...

Insurance Law: Insurance Liability/Mine, builder warranty, mold problem
builder warranty, mold problem, laminate flooring: Hi Kristine, Over the past 10 years, practically all insurance companies have amended their policies to specifically exclude mold damage and any damage caused by a defect in the design, workmanship and quality of construction. In my opinion, you should file...

Insurance Law: Insurance liability, orange cones, tour feedback
orange cones, tour feedback, insurance liability: Hi Cristen, In most cases, when you hit a non-moving object, (rock, pole, tree, etc) you are considered at at fault. Since this was located on business property, the city ordinances may have rules tht require the owner to place orange cones and marked barriers...

Insurance Law: insurance in a different state than registered, motor vehicle department, virginia insurance
motor vehicle department, virginia insurance, virginia laws: Hi Amanda, Having the car insured by a Virginia insurance agent in both names and at your address is exactly the requirements of the insurance company and there will never be a problem with any claim because all those factors are in line with the insurance...

Insurance Law: Have no insurance and hit someone, minor dent, own insurance
minor dent, own insurance, happenned: Hi Vivian, you have to look at this situation pragmatically. First of all you did cause an accident and apparently the other party is claiming that some amount of damage was done as a result of it. Secondly your friend was the insured person on the rental...

Insurance Law: insuring car for adult son, own insurance, adult son
own insurance, adult son, financial safety: Hi Jane, First of all, registering the car in your name was not a good idea because as the owner, you are responsible when your son or anyone else drives the car. This means that your home and assets are exposed if someone has a serious accident in that...

Insurance Law: lawsuit, countersuit, insurance premium
countersuit, insurance premium, injured party: Hi Susan, California Law allows an injured party up to two years to file a law suit for injuries. They are not required to submit any medical bills to your company during this time period. I agree that once the other party declined the $100 offer for settlement...

Insurance Law: Who is liable?, formal denial, progressive insurance
formal denial, progressive insurance, small claims court: Hi Greg, The only party responsible for your damage is the unknown hit-and-run driver. The driver that was shoved into your fence will suffer financial losses just like you. If he carried full coverage on his car, he will be forced to pay his deductible...

Insurance Law: medical lein & selling property, motorcycle insurance, property question
motorcycle insurance, property question, motorcycle accident: Hi Yvonne- The only way to know for certain if there is a lien is to check with the Register of Deeds. It ll show up on the title to the property. You may want to involve your insurance company now, and see if they will start handling some of the bills that...

Insurance Law: minor auto collision, small claims court, three witnesses
small claims court, three witnesses, auto collision: Hi Josh, If 21st Century is willing to pay your damages, then you should allow them to do so. If you carry collision on your car, the second choice would be to have your own company repair your car (less your deductible), they will subrogate against 21st...

Insurance Law: Ownership/Uninsured, small claims court, ontario new york
small claims court, ontario new york, legal nature: Hi Jonathan, since your brother is a minor there is nothing to do here legally. She is liable and cannot even sue him in small claims court due to his age. This is the problem with signing a loan or anything of a legal nature such as the title to a motor...

Insurance Law: PA accident, small claims court, pa insurance
small claims court, pa insurance, nerve damage: Hi James, this question is tough for me because Pennsylvania flipflops on whether it is no-fault medical state or not everytime there is a new election. At my last experience it wasn t but had a $5,000 med-pay provision written into its policies. If that...

Insurance Law: Parked car hit, downhill slope, old adage
downhill slope, old adage, nice fellow: Hi Eugene, I can see from the question that you are a very nice fellow who does not want to financially hurt the woman for this accident. I only hope that the old adage no good deed goes unpunished will apply here when you give her the estimate. Why not...

Insurance Law: Parking lot accident, parking lot accident, surveillance camera
parking lot accident, surveillance camera, parking space: Hi Luke, under normal circumstances the fault in an accident lies with the person backing out of a parking space into a moving lane of traffic. In this matter it is different if you were not in a moving lane of traffic but were merely driving across parking...

Insurance Law: Parking lot collision in California, minor fender bender, store space
minor fender bender, store space, elderly woman: Hi Aly, Parking lot accidents in any state are among the hardest to bring to a happy resolution. Insurance companies can t use logic to settle an accident, just the facts and the witness statements. Right or wrong, it seems that the other party has many...

Insurance Law: past questions and follow ups, appelate court, loss payments
appelate court, loss payments, insurance dept: Hi Paul, it appears to me that Allstate is entitled to take a SSD set off of $1610 from the checks that they sent you for the period 2/5/07-5/10/07 when they sent you the full $3000/month. They could easily deduct this overpayment from the monies they owe...

Insurance Law: Reaching a Settlement & Subrogation between Insurance Co. and Rental Agency Used by Defendant, rental car agency, settlement money
rental car agency, settlement money, subrogation: Hi Liz, This is a question that you will have to pose to your attorney. He has full knowledge of everything that has transpired in the past 4 1/2 years. Even if I had the full knowledge, as an insurance broker, it would be unethical for me to try to second...

Insurance Law: Rental car insurance, piercing the corporate veil, rental car insurance
piercing the corporate veil, rental car insurance, personal injury attorney: Hi Cecile, first thing to do is to call the rental agency and demand to see a copy of the law or rules that cap every personal injury or property damage claim at $10,000. If your sister in law s injuries are severe then contact an Attorney immediately. If...

Insurance Law: Rights for a hit and run driver..., police authorities, yield sign
police authorities, yield sign, other vehicles: Hi Karolyn, This is becoming a bit confusing. You state that you had a yield sign, the other car hit you in the intersection (he had no yield or stop sign). The police officer that arrived at the scene later COULD NOT determine that the other driver failed...

Insurance Law: I was rear ended, minor accident, insurance company
minor accident, insurance company, wages: Hi Sana- Just because you think you deserve more doesn t mean you are legally entitled to more. You need to show exactly why you are entitled to more, for the damage to the car and your injuries, which from your statement, there weren t any. You may want...

Insurance Law: I was rearended while making a left turn, who is at fault?, westbound, left turn
westbound, left turn, turn signal: Hi Charles, you are going to have to contact the agency or department that issued the ticket in order to find out how you can appeal it or fight it. The person who hit you is obviously acting in their own interests and is afraid of a potential claim for damages...

Insurance Law: Small Claims in Michigan, small claims court, crash type
small claims court, crash type, traffic crash: Hi Lorie- I m sorry that I can t be of much help to you in this situation. Here s a link to Michigan No Fault laws. http://www.michigan.gov/documents/cis_ofis_ip202_25083_7.pdf You may want to consult an attorney to see what state law allows you to...

Insurance Law: Son's friend driving car, accident occured, rural road
accident occured, rural road, three witnesses: Hi Jeanna, in my opinion the first thing for you to do is to get ahold of that police report or call report. You can start by calling the police station that would respond to this type of event in your county. You can also attempt to get information on it...

Insurance Law: My Son's Wrack, auto insurance carrier, department of motor vehicles
auto insurance carrier, department of motor vehicles, eye witness: Hi Wilson, I m sorry to learn of your son s medical problem. In most states, the neurologist will be required to report the seizure to the department of motor vehicles and your son s drivers license will be suspended until a diagnosis and effective treatment...

Insurance Law: Stolen Car / Insurance Claim to low, car insurance claim, available cars
car insurance claim, available cars, model condition: Hi J.P., It is the goal of USAA to settle your claim for the lowest possible price. Before making you a settlement offer, the insurance company hired an independent company to survey your area for cars of like kind and condition. That survey presented a...

Insurance Law: Stolen car, german citizen, fraud claim
german citizen, fraud claim, insurance fraud: Hi Dargam, I am sorry to learn of your problems. I m glad to hear that you have no legal problems because it s evident that the documents that you received with the car were excellent forgeries or were the original documents because the owner was part of...

Insurance Law: snow plow hitting garage door, snow plow, daughter lives
snow plow, daughter lives, homeowners policy: Hi Diane, If the snow plow was owned and operated by the city or county or if it was owned by a private firm that she had hired to clear her drive way, then her homeowners policy will cover the damage (less her deductible) and subrogate against the responsible...

Insurance Law: subrogation, ssi disabilty, bone growth stimulator
ssi disabilty, bone growth stimulator, collar and bone: Hi Paul, they are forthcoming as a response to your latest E-mail. After I give them to you I am going to respond to all of the follow-ups by using the already answered auto-response so do not be alarmed. It is a good thing that your Attorney is requesting...

Insurance Law: taxi accident, accident occured, claim numbers
accident occured, claim numbers, transit insurance: Hi Karla, PERFECT! All of the accident related medical bills your children and the nanny should be paid by the no-fault insurance policy on the taxi. You should call them at once and ask them to send you no-fault applications immediately. Fill them out...

Insurance Law: UIM Claim, arbitration decision, city doctors
arbitration decision, city doctors, attorneys office: Hi John, since your insurance company was not part of the original arbitration process the original award of $90,000 is not res judicada against them and thus they went ahead and opted for an arbitration on their own. This was an error on the part of your...

Insurance Law: Umbrella Policy, Antique Auto, & Texas Law, car insurer, umbrella policy
car insurer, umbrella policy, law question: Hi Doc, Based on the information that I have learned from contacts in Texas, the state insurance law does not require that a company add an additional premium to the umbrella policy if they don t have all your vehicles insured, but it allows the company...

Insurance Law: vehicle registration for Texas, registration sticker, valid drivers
registration sticker, valid drivers, vehicle registration: Hi Allyson- You cannot insure or register a vehicle that you do not own, and she wouldn t be able to get insurance without a valid drivers license. The best thing would be for her to transfer the title to your name. Then you can legally title, insure and...

Insurance Law: No witness and No police report, san francisco bay area, left turn
san francisco bay area, left turn, police report: Hi Tiffany, Unfortunately, this is a common occurence. Without a wittness, police report or some other kind of evidence, her insurance company, just like your insurance company is required to accept the statement of their client as being truthful. One remote...

Insurance Law: wrecked someone elses vehicle, full coverage insurance, court summons
full coverage insurance, court summons, san francisco bay area: Hi Sue, Although the laws are slightly different in each state, permissive use is usually like links in a chain. Once the parents gave the daughter permission to drive the car, she had the right to pass that permission on to your son and he could even have...

Insurance Law: What Can I do?, s real estate, licensing bureau
s real estate, licensing bureau, google: Hi Gloria- This doesn t really come under the area of insurance law, but under the laws that real estate agents have to follow when selling a home. Go to google, and search your state s Real Estate Agent s licensing bureau. You may have to make a written...

Insurance Law: 2 month old claim, claim adjuster, bad faith
claim adjuster, bad faith, water leak: Hi- I would advise the company that they have 10 days to resolve this, or you will contact your state s insurance department for them to investigate bad faith delay of claim settlement. Generally, they have 30 days to investigate. Given the nature of the...

Insurance Law: Accident: Left & right turn cars, point of impact, clear path
point of impact, clear path, left turn: Hi Bernie, this is tough because of the point of impact and the areas of damage to the vehicles. It would indicate that the left turning vehicle was already mostly through the turn but was making a slicing turn rather than one where they had stopped and then...

Insurance Law: Auto Home Collision, auto insurance policy, home owners insurance
auto insurance policy, home owners insurance, homeowners policy: Hi Rochelle, Under the circumstances that you describe, the homeowners policy does have the legal right to subrogate against you to collect any excess amount that your auto insurance policy does not cover. I assume they would file against you just like they...

Insurance Law: Auto Insurance, car insurance policy, insurance question
car insurance policy, insurance question, existing company: Hi Harry, This flex policy must be something new that one of the AAA branches is offering. I am quiet familiar with the Auto Club of Southern California, California State Automobile Association, AAA Nevada and AAA Utah. If you live in the area covered...

Insurance Law: Auto Insurance for daughter, who does not live with me?, money transportation, question deals
money transportation, question deals, school selection: Hi Alan, I strongly agree with you in this matter. You would be commiting insurance fraud by putting your 16 year old on your insurance policy because she does not reside with you and thus is not domiciled in your residence. This is even more true if the...

Insurance Law: Auto Theft Claim Denial, vehicle estimates, small claims court
vehicle estimates, small claims court, geico: Hi again Coco, it seems to me that your father-in-law who is the titled owner of the vehicle should have and should now file the police report. The police will take down all of the information and make out a report of the theft belatedly. This should make...

Insurance Law: auto accident, auto accident, insurance company
auto accident, insurance company, health insurance: Hi Judy- Yes, I believe that is basically correct. You will need to keep close track of what bills you pay, and which your health insurance paid, and make sure to forward that information to the insurance company of the party that was at fault. Hope this...

Insurance Law: auto insurance, driving one of your cars, policy booklet
driving one of your cars, policy booklet, san francisco bay area: Hi Lois, You need to immediately add the roommate to your policy as a licensed driver in the household. If she has an accident while driving one of your cars and is NOT a named driver on your policy at the time of the accident, your insurance company will...

Insurance Law: Bad Parking lot, bmw 323i, bmw dealership
bmw 323i, bmw dealership, shawn johnson: Hi Shawn- The owner of the property should be liable for having a dangerous condition like a unmarked ditch in their parking lot. Your father s insurance will respond only if your father is the purchaser of the car. It s not automatically covered under...

Insurance Law: Blamed for an accident, witness statements, police office
witness statements, police office, heading east: Hi Meddie, obtain the witness statements ASAP because even though a police report is totally off of the wall it usually never gets changed. The left turning vehicle is normally always found to have been at fault in an event such as this, crazy police report...

Insurance Law: Car hit house, auto insurance policy, picket fences
auto insurance policy, picket fences, texas tornado: Hi Sharon, I m glad that you didn t say that someone was injured. Is this what they call a Texas Tornado? Take a look at your own homeowners insurance policy. Do you have guaranteed replacement coverage on the dwelling? If so, simply file a claim with...

Insurance Law: car accident while backing out., rear bumpers, toyota corolla
rear bumpers, toyota corolla, insurance premiums: Hi Ksz, this was exactly the reason that I asked about the areas of damage to both vehicles. The way you describe the damage it would appear that the other driver had begun backing out before you did and was in fact almost finished. The point of contact...

Insurance Law: car accident in no fault state, fault insurance, michigan insurance
fault insurance, michigan insurance, insurance law: Hi David, I am not particularly knowledgeable with Michigan insurance law except for the fact that your no-fault insurance is probably the best plan on the planet. As a general rule of insurance though the return of a deductible depends upon the percentage...

Insurance Law: casualty insurance or flood, flood damage, casualty insurance
flood damage, casualty insurance, south fla: Hi Ivan, this is the same B.S. that insurance companies pulled on those poor people who suffered through the damage caused by Katrina in New Orleans and Mississippi. If there was flood damage they blamed rain and wind and if there was rain and wind damage...

Insurance Law: collision when passing a stopped car on the left, accident occured, oncoming traffic
accident occured, oncoming traffic, san francisco bay area: Hi Marisa, This will have to be battled out between the two insurance companies. In my opinion, since you have a witness, the case should eventually be setttled 100% in your favor. I hope this information has been of help. Your feedback by rating my answer...

Insurance Law: commercial insurance, definate answer, commercial insurance
definate answer, commercial insurance, personal injuries: Hi Karen, the only way to find the answer to this question is to read the coverages section on that commercial insurance policy. Generally a commercial policy only covers damage to the property and personal injuries incurred by people on the premises but...

Insurance Law: cut off, cell phone number, old adage
cell phone number, old adage, something out of nothing: Hi Jocelyn, this sounds like an instance where the old adage no good deed goes unpunished becomes relevant. Since you exchanged information with the other driver even though there was no contact, no damage, and no injury and also gave your cell number you...

Insurance Law: deductible, hi mike, san francisco bay area
hi mike, san francisco bay area, police report: Hi Mike, Luckily, due to the circumstances, your insurance company will consider the claim as a non-fault accident. Unluckily, you will have to pay your deductible because there is no identifiable party from which they have the right of recovery. The only...

Insurance Law: being dropped, state farm insurance, legal answer
state farm insurance, legal answer, new insurance: Hi Veronique, I m sorry, but I am not familiar enough whit the companies that operate in Tennessee to be able to recommend a specific one. Instead of calling individual companies, you need to call Insurance Brokers who represent multiple companies. It may...

Insurance Law: Fender bender @ home (driveway), rear view mirror, fender bender
rear view mirror, fender bender, relevant issues: Hi Robert, Neither the fact that you were still on private property and the SUV was not legally parked are relevant issues. Under California law, anytime that you hit a non-moving object, be it a large rock, a tree or a parked car, whether or not it was...

Insurance Law: water damage, public adjuster, insureds
Insurance Law: water damage, public adjuster, insureds, insurance company

Insurance Law: Gas Station gave bad gas which caused $1,000 damages to car, credit card receipt, certified mail
credit card receipt, certified mail, gas in my car: Hi Candace, anyone can sue anybody for anything at any time. The problem is in making it worthwhile. I am assuming that the repair place is not the same as the gas station from which you feel that the tainted gas was put into your car. what you have to...

Insurance Law: Hit parked car on private property, would it be covered under homeowners?, side doors, medical charges
side doors, medical charges, homeowners policy: Hi Alexa, A homeowners policy would never provide any coverage for any vehicles being damaged in an accident. No matter how many times your boss has said that his daughter is at fault because of the way she parked, he is WRONG and his statements do not have...

Insurance Law: Home insurance claim, insurance claim, insurance policy
insurance claim, insurance policy, carpeting: Hi Deanna, I think that you are going to have to carefully read the coverage sections of your homeowner s insurance policy to see if the company is obligated to at least pay to have the damages repaired up to the pre-event condition. I need to know if they...

Insurance Law: Home owners insurance, home owners insurance, kitchen pantry
home owners insurance, kitchen pantry, insurance problem: Hi Danny, I m sorry to learn of your predicament. Your insurance policy is a legal contract between you and the insurance company. It spells out the coverage and exclusions very clearly. Please take a few minutes to read your policy, specifically the portion...

Insurance Law: hit car in parking lot/left note/not sure what's next, san francisco bay area, insurance company
san francisco bay area, insurance company, san francisco bay: Hi Sally, You should immediately contact the owner of the other car and tell him/her that you are considering paying the claim out of your own pocket instead of involving your insurance company and ask the owner to secure three estimates and call you back....

Insurance Law: Insurance coverage, hurricane wilma, tornado damage
hurricane wilma, tornado damage, ill repair: Hi again Kerline, aha, now I see where you are coming from. My answer will depend upon several things. Did you use the check to have any repairs done to the roof? If so then did you receive a guarantee? When citizens gave you the check for the $1200 did...

Insurance Law: insurance settlement for car accident, setlement, insurance settlement
setlement, insurance settlement, maryland law: Hi Barbara, I have never heard of any sort of settlement cap that would allow for the dispersment of any monies to a minor regardless of the size of the settlement. Maryland law might allow for such a thing but in my opinion the $5,000 limit would mean that...

Insurance Law: Which insurance should I use?, road bikes, hi doug
road bikes, hi doug, auto policy: Hi Doug, If you promise not to shoot the messenger, I will answer your question. Your auto policy DOES NOT cover damage to your own property. You will have to file two separate claims and pay two separate deductibles. Your homeowners policy will cover...

Insurance Law: Liability Questions for Daughter Out of State, parental liability, liability questions
parental liability, liability questions, own insurance: Hi Ed, Legally, your daughter is considered a resident of your household as long as she is away at college, so we must briefly address that issue. Keep her named as a driver on your policy and have your insurance company note on their records that she is...

Insurance Law: Will landlords liabilty Ins help, partime job, alcohol level
partime job, alcohol level, roomers: Hi Larry- I m not an attorney, but I can give you my opinion. If the landlord had stuff on the stairs impeding his travel into the basement, it is remotely possible that he may have action against him. My read on your situation is that this was not the...

Insurance Law: MIGHT have hit parked car with my car, insurance premiums, car cover
insurance premiums, car cover, san francisco bay area: Hi Donna, Should your insurance company decide to honor the claim and the damages are less than $500 ($750 in some states), it will have no affect on your rate. If the claim is honored, it will stay on your record for at least 3 years and must be mentioned...

Insurance Law: mother fell and broke tailbone, hotwater heater, medical payments coverage
hotwater heater, medical payments coverage, hot water heater: Hi Shona- If your mother doesn t reside with her mother, then the homeowners policy should respond, at least under medical payments coverage, and possibly from negligence from the leaking hot water heater. If the aunt s won t cooperate, then she may have...

Insurance Law: Someone else's motorcycle - no insurance, legal obligation, motorcyclist
legal obligation, motorcyclist, police report: Hi Jonathan- Your friend has the responsibility of choosing to insure, or not to insure his motorcycle for accidents or theft. By not choosing to purchase insurance, he has chosen to self insure for what can happen to the bike. So you are under no legal...

Insurance Law: a moving car into my open door, moving car, car door
moving car, car door, financial responsibility: Hi Vivian, you are right, I am having a hard time envisioning this scenario. How could your co-worker not notice that you were standing by the door before she began moving out of the parking space? How is it that you were not hurt in this accident? Any...

Insurance Law: Neighbor's dangerous tree, small consolation, resultant damage
small consolation, resultant damage, walnut tree: Hi Allison, I m sorry to learn of your predicament. I hope that you retained copies of 5 estimates and the arborist s report plus notes of the date you provided copies to your neighbor and the date your husband spoke with them. Now that they have been put...

Insurance Law: NJ rental car in NY accident, enterprise rent a car, american express card
enterprise rent a car, american express card, stupid company: Hi again Mark, unless there was some sort of clause in the rental agreement regarding the use of the rental in another state and specific fees for continuing insurance through ELRAC for such usage they should still be on the hook for the payment of the claim...

Insurance Law: non owner insurance, collectible insurance, auto policy
collectible insurance, auto policy, accedent: Hi Thomas- You don t say why you were loaned the car. If it was because your regular vehicle was out of service, then your auto policy should pick up the coverage on the vehicle as a temporary substitute vehicle, on an excess basis, above any other collectible...

Insurance Law: Obtaining insurance info on other driver, pa dept of motor vehicles, dept of motor vehicles
pa dept of motor vehicles, dept of motor vehicles, question tha: Hi again Mellisa, Personal Injury lawfirms have a program that does license plate searches for which they pay a per search fee. This program connects to the main computers of the Dept. of Motor Vehicles and will either give the name of the insurer or the...

Insurance Law: Who owns vehicle?, salvage value, resale license
salvage value, resale license, auto dismantlers: Hi Hal, The insurance company paid you what was judged to be the fair market value of the car. There were probably several discussions between you and the company to agree on this value. Basically, your insurance company BOUGHT your car for it s fair market...

Insurance Law: parked car accident, person sign, san francisco bay area
person sign, san francisco bay area, model car: Hi Justin, It sounds like she just want s to pocket the money and ignore the damage. Prepare a Release of All Claims for Property Damage to a( year, make and model car) owned by (owners name) that occurred on (date) and (location) in exchange for payment...

Insurance Law: another person wrecked my car, legal options, damages
legal options, damages, insurance: Hi Josh, You can try to get your buddy to pay the damages out of his pocket, offer to split the repair costs with him 50/50 or if he carries collision on his own policy there is a possibility that his policy would extend to cover him while driving your car...

Insurance Law: rear-ended accident, san francisco bay area, insurance company
san francisco bay area, insurance company, san francisco bay: Hi Christine, Your insurance company owes you a legal defense. Since the other 2 drivers stated that you merged and caused the accident and you have no witnesses to support the fact that you did not, your insurance company is going to try to settle this...

Insurance Law: rental car insurance mexico, collision damage waiver, rental car insurance
collision damage waiver, rental car insurance, underinsured motorists coverage: Hi Steve, I spoke with visa aerogold this morning. According to the person that I spoke with, the card covers collision damage waiver for a car rented anywhere in the world. It does not provide liability insurance to the rental car. As long as you are...

Insurance Law: Stolen truck, applicable language, stolen truck
applicable language, stolen truck, policy language: Hi Angelia, since this claim is still not decided you will most likely have to undergo the examinations under oath as part of your duties as per the language in your policy of insurance. If you read the original policy language I believe that you will find...

Insurance Law: Could sharing an auto insurance policy hurt me in the long run?, auto insurance policy, auto insurance rates
auto insurance policy, auto insurance rates, auto insurance coverage: Hi Kim, First, let s take a moment to look at your present situation. If you have not already done so, each of you need to name the other on your policy as a driver in the household. If one of you have an accident while driving the other s car, the insurance...

Insurance Law: Truck damage, swinging gate, space thanks
swinging gate, space thanks, windy night: Hi Matt- I m not an attorney, but I believe you may have grounds for the condo paying it, so I would appeal. It appears that they have put a parking spot too close to the dumpster, as it sounds as if regular use could also cause damage to someone parking...

Insurance Law: VIN number fraud, insurance fraud, staged accident with stolen cab, cross collateralization, crown vics
cross collateralization, crown vics, taxi cabs: Hi Michael, I have been a licensed Property & Casualty Insurance Broker/Agent for 44 years. I am also aware that there are teams that are staging accidents on a regular basis and many Attorneys, Doctors and Chiropractors work in collusion to build phoney...

Insurance Law: water damage, toilet water, leaky pipe
toilet water, leaky pipe, wet wood: Hi Linda, If you will take a few minutes to read the portion of your policy related to interior water damage, you will find that it refers to a sudden eruption , which means a broken pipe, a burst hose on the dishwasher or washing machine, or an overflow...

Insurance Law: 17 year old in an accident, youthful drivers, insurance rates
youthful drivers, insurance rates, insurance company: Hi Corolla- Filing a claim with your insurance company will definately impact your insurance rates. If the police were not there, then it should not impact her drivers license. If they were, it may, depending on state law regarding youthful drivers. If...

Insurance Law: Acident at-fault but shouldn't get any points......on my insurance (Please check details), brake master cylinder, mechanical failure
brake master cylinder, mechanical failure, acident: Hi Ritesh, If the insurance company feels that they can recover your deductible then they should be willing to remove the point from your record by noting claim paid at the convenience of the company . The final advice that I can offer is that you have...

Insurance Law: Body shop joy ride, joy ride, accident report
joy ride, accident report, san francisco bay area: Hi John, I recommend that you immediately report this incident to your insurance company. At the time you made your accident report to them, they thoroughly inspected the car and the damage and entered the exact mileage of your car on their inspection sheet....

Insurance Law: CA Rental Car Question, collision damage waiver, rental car company
collision damage waiver, rental car company, property damage coverage: Hi Krystyn, It is normal that the rental agency carries the basic bodily injury and property damage coverage. You should check this with the rental agency before leaving New York. If coverage is not provided by the rental agency, you should purchase a named-non-owner...

Insurance Law: Car Accident insurance claim from GEICO, state department of insurance, gap coverage
state department of insurance, gap coverage, first time buyer: Hi Sushant- I ve heard of people suing in the state of Virginia regarding diminished value, and winning. I m not from that state, so I can t advise whether this is state law, forcing the insurance company to pay diminished value. You may want to contact...

Insurance Law: Car Insurance, car insurance policy, minimum liability
car insurance policy, minimum liability, liability exposure: Hi Sue- I m not an attorney, but as long as he is not driving your vehicles, you wouldn t have the auto liability exposure. You still have the exposure of him living in your household, so under your homeowners insurance, you still have an exposure (ie, if...

Insurance Law: Claim-Water, sewage backup, good furniture
sewage backup, good furniture, different company: Hi Jennifer, You say that your claims agent has already agreed that this is a covered loss. You need to get him to put that in writing and then exercise the additional living expenses portion of your policy and get out of the house until it is totally...

Insurance Law: Compulsory Insurance, public liability insurance, charter rules
public liability insurance, charter rules, compulsory insurance: Hi Kevin, I am not sure that I understand exactly what a sports body is. Is this some type of club which has a charter? If so then the charter rules and regulations should be read carefully. Please let me know more regarding this question and I will try...

Insurance Law: Condo Water Damage, upstairs neighbor, small claims court
upstairs neighbor, small claims court, claims suit: Hi Tyson, You are entitled to have the work done by a licensed and bonded repairman. If she is not willing to give you the name of her personal condo insurance company so you can file a claim or not willing to make a cash payment on the basis of your estimate,...

Insurance Law: My car declared a stolen vehicle, certified mail, stolen vehicle
certified mail, stolen vehicle, auto dealer: Hi Sylvia, I can only give you some ideas on how to kick start this quest. The first one is to send a letter to that dealership in Namibia via certified mail to inform them of this situation. The second one is to contact the Namibian embassy to the U.N....

Insurance Law: car insurance, personal assets, cecille
personal assets, cecille, medical expenses: Hi Cecille, not only is this legal but it is also a necessary and commonplace part of the discovery process in a lawsuit. If you do not sign this release of information then the Attorney for the other people will have to make a motion in Court which would...

Insurance Law: Is my claim going to be denied??, locksmith company, saturday night and sunday morning
locksmith company, saturday night and sunday morning, giving me a hard time: Hi Marquita- Since you didn t give this kid permission to take your vehicle, and your keys were stolen, they shouldn t find grounds to deny your claim. They will investigate it closely though, checking to see if your were behind on your payments, or knew...

Insurance Law: Diminished Value case, small claims court, diminished value
small claims court, diminished value, value case: ****************************** FOLLOW UP ************************** Hi Julie, Since you carry insurance, the responsibility falls back to your insurance company when there is an accident that can be settled for less than the policy limits in cases when the...

Insurance Law: Driving someone elses car, dads name, insurance card
dads name, insurance card, exact reason: Hi April, before doing anything you have to find out the exact reason that this event is not being covered. Your dad will have to get something in writing from his insurance company which cites the reason for the denial if in fact there is one. DO NOT even...

Insurance Law: fallen tree, act of god, tree limb
Insurance Law: fallen tree, act of god, tree limb, neighbor

Insurance Law: fallen tree, professional tree removal, small claims court
professional tree removal, small claims court, good neighbors: Hi Gwen C., this is your tree so your insurance is responsible for the claim. If it was your neighbor s tree that fell on her shed then her insurance would be on the hook. If you feel that your neighbor is being unreasonable in her demands then you can let...

Insurance Law: Gas station accident, couple weeks, video tape
couple weeks, video tape, license plate number: Hi Doug- I would send them a letter, advising them that you didn t drive off, that you tripped, and that the hose may have been defective to begin with. Advise them the make, model and license plate number, and let them know they should review their video...

Insurance Law: Grandson's death, life insurance policy, legal aid society
life insurance policy, legal aid society, legal scholars: Hi Ed, I do not think that the funeral home is at fault here. They provided a service and expected to be paid for it. They are not legal scholars and perhaps did not even know about the lapse in coverage and the subsequent back payment. Either way, I think...

Insurance Law: Hit and run?, license plate search, do the right thing
license plate search, do the right thing, insurance company: Hi Jason, I would consider it a stretch to call this incident a hit and run but if your deductible is more than the damage to your vehicle I doubt that your insurance company would want to do anything about this so why even involve them? Why not do a license...

Insurance Law: Letting friends borrow my car???, moving across country, catastrophic accident
moving across country, catastrophic accident, best bet: Hi Saralyn, what you are looking for is a type of hold harmless agreement. This agreement should be witnessed and stamped in front of a Notary Public. Your best bet would be to try to find such a documant on-line through your local courts. My advice is...

Insurance Law: A large limb from a tree fell on my car..., condo management, act of god
condo management, act of god, impending danger: Hi Lawrence, A fallen tree is considered an act of god and you have no claim UNLESS the tree was dead or diseased. If your phots and/or the police report can establish that the tree was dead or diseased, you have a claim against the liability policy of...

Insurance Law: life insurance payment, state insurance department, life insurance policy
state insurance department, life insurance policy, life insurance company: Hi Maureen- I would indeed be suspect. Two weeks is rather short. As to suicide, there is a 2 Year period of which suicide is an excluded cause of loss. So if the policy was more than two years old, suicide would likely pay. Doubtful that they would pay...

Insurance Law: Nationwide will not pay for the body work done to my truck because they said it's too expensive, small claims court, paint work
small claims court, paint work, adjustor: Hi again Dave, you can formally complain to your State Insurance Dept. or Commissioner but I doubt that they will do anything but write a letter of inquiry to Nationwide. There should not be any type of discrimmination regarding the age and type of vehicle...

Insurance Law: Other driver failed to yield right away, says I had a turn signal on, fault the police, traffic control device
fault the police, traffic control device, cherry ln: Hi Ashley- It sounds to me like you had the right of way, and that she should have yielded, and that she was at fault. The police report is what will likely decide the factors. You may want to take good photos of the accident scene if they decide to try...

Insurance Law: Parked car accident, local used car dealers, copy prints
local used car dealers, copy prints, value of my car: Hi Gigi, If your car is totaled, you are entitled to receive it s fair market value (FMV) as settlement. The adjuster is going to try to settle this claim as cheaply as possible, therefore, his first offer is going to be very low. In order to prepare yourself...

Insurance Law: Personal injury at home, physical altercation, payment coverage
physical altercation, payment coverage, husband don: Hi Robin, Your homeowners policy will provide at least $1,000 in guest medical payment coverage even though you have done nothing wrong. In order for any legal liability to exist against you, there would have to have been negligence on your part as far...

Insurance Law: parked car, mail truck, usps
mail truck, usps, lienholder: Hi Athena, the mail truck driver is at fault. Your son should contact his insurance company to determine if they have commenced any action against the USPS. If they do not intend to then he should obtain a copy of the police report and make a claim on his...

Insurance Law: parking lot accident--NOT backing up, parking lot accident, side fender
parking lot accident, side fender, cross road: Hi Jennifer, since there were no actual stop signs at that T-bone intersection and both you and the other driver were in moving lanes of traffic when the event occured it seems to me to have been a 50/50 liability accident. Your best bet here is to merely...

Insurance Law: Who should pay?, scdoi, progressive insurance
scdoi, progressive insurance, legal liabilities: Interesting response from the SC DOI. I think it is the judge s interpretation that holds up in court. Since they aren t accusing her of stealing the car, permission was given by someone who did have permission. You may need to get a copy of the complete...

Insurance Law: private vehicle damage from business property, car windshield, falling debris
car windshield, falling debris, act of god: Hi Leonard- Falling debris from trees is generally considered to be an Act of God, unless you can prove the whole tree was rotten, and that the owner of the tree was negligent in not having it removed, which is very difficult to prove. This is a loss that...

Insurance Law: Renter's Insurance and Recovery of Stolen Goods, insurance company representative, hi doug
insurance company representative, hi doug, insurance money: Hi Doug, Once you have been paid for and replaced the stolen items, any items recovered later become the property of the insurance company. Since you seem to be in that in between stage, it is necessary that you notify the insurance company that the...

Insurance Law: Roof damage, insurance adjuster, dollar settlement
insurance adjuster, dollar settlement, insurance department: Hi Jim- I think you have good cause to make a written complaint for delay of claim payment with your state s insurance department. Send them everything, copies of the bids ect, information from the contractors as to why properly repairing it costs $6,000...

Insurance Law: rear end collision, gdl program, definitive answers
gdl program, definitive answers, insurance company: Hi Colin, there are too many variables here to give very definitive answers. The make, model and year of the SUV for one, and the particular insurance company which insured the vehicle you were operating for another. Some companies offer a freebie on the...

Insurance Law: rental car insurance?, rental car company, rental car insurance
rental car company, rental car insurance, accident occured: Hi Krystyn, it doesn t matter which State you lease the vehicle in because the car rental company would not allow anyone to lease one of their vehicles unless it is insured either by a person s own insurance policy or in your case through the rental car company...

Insurance Law: STOLEN CAR, rental car reimbursement, fustrated
rental car reimbursement, fustrated, simpy: Hi Smirah- The insurance company probably will not automatically know that the vehicle was found, so you should let them know asap. They will send an adjuster out, and determine whether or not the car is a total loss. If it is not a total loss, they will...

Insurance Law: Stolen vehicle with no insurance, town alot, insurance question
town alot, insurance question, vsi: Hi Alicia, The requirement is that your insurance company notify GMAC and they Secure VSI. This is why I said that you would have to check backwards to see who erred. If you cancelled coverage on the 15th of one month, your insurance company didn t notify...

Insurance Law: Tree in Right of Way, auto insurance policy, stormy weather
auto insurance policy, stormy weather, act of god: Hi Marie- You would have to look to your own auto insurance policy, as such losses are generally considered to be an act of God, unless you can prove the owner of the tree was negligent in not having it taken down. That is very hard to prove. Good luck!...

Insurance Law: theft, mechanic shop, insurance carrier
mechanic shop, insurance carrier, civil court: Hi Edward- I m not from California, but likely you will have to file a claim for this in court- whether small claims or civil court depends on the amount. You may want to consult an attorney. He will have to prove that you signed a disclaimer. If you did,...

Insurance Law: unemployment insurance law, unemployment insurance law, occasional drivers
unemployment insurance law, occasional drivers, limousine company: Hi Mark, you should check with a tax specialist on this question but my best answer is that if you send the sub contractor a 1099 form at the end of the year then you have no liability for paying for any of the W.C., SSS, U.M. or N.Y.S. Dbl insurances. You...

Insurance Law: unlicesed driver, auto policy, damages
auto policy, damages, endorsement: Hi Linda- Your auto policy should provide coverage, unless you had a special endorsement (unlikely) excluding coverage for other drivers. They may raise your rates, and if the damages in the accident exceed the policy limits, they could indeed get a judgment...

Insurance Law: Water Damage, policy provisions, sewer backup
policy provisions, sewer backup, homeowners policy: Hi Jennifer- It will depend on what coverages you purchased on your policy, and what the actual cause of loss is. If you purchased Sewer Backup Coverage, and that was the cause of loss, you would have some coverage for this. Flood is not a covered cause...

Insurance Law: 16 yr old regarding insurance, gallon of milk, liscence
gallon of milk, liscence, insurance premium: Hi Dianne, this question would be best asked of your insurance agent. You can easily have your son added to your policy with only a driving percentage of 5% of the time and thus be secure in the knowledge that should an occasion arise when all of the other...

Insurance Law: Accident in boyfriend's car, insurance company, boyfriends
insurance company, boyfriends, phone call: Hi Vanessa- You can try contacting her insurance company directly, and offer to make the payment for the claim directly to them, so that your boyfriend s insurance isn t involved. It would need to be payment in full most likely. Your boyfriend should have...

Insurance Law: Accident with a rental car, minor mishap, own insurance
minor mishap, own insurance, insurance card: Hi jadmva, I need to know who is officially on the rental agreement. Did you sign an agreement or was the vehicle furnished to you by your own insurance company due to an accident to your own car? If this friend wants to make something big out of this...

Insurance Law: Address on insurance policy, t pay, permanent address
t pay, permanent address, insurance policy: Hi Neil- That s a tough one, but I think you are ok if you don t actually live at your brothers full time or get your mail there. They may question though your mileage if they do the math between your stated residence and why you stated a shorter mileage....

Insurance Law: Auto Insurance, insurance premium, insurance company
insurance premium, insurance company, auto insurance: Hi AJ, this is perfectly legal for the insurance company to do. They search your driving records in order for their underwriting staff to determine how much of a risk you are as a driver. It doesn t matter if someone else s insurance company was on the hook...

Insurance Law: Auto insurance for child of divorce, court docs, insurance policies
court docs, insurance policies, insurance policy: Hi John- It basically comes down to who owns the vehicle that the son will drive. If he will be primarily driving her vehicle, then her insurance policy will have to be endorsed to add him as a driver. If this went to court, the judge would probably state...

Insurance Law: Auto insurance lapse in Maryland, maryland dmv, change of ownership
maryland dmv, change of ownership, motorcyle: Hi Eric, I have had several questions regarding the Maryland DMV and their fines which seem to me to be somewhat Draconian! I am afraid that in your case the only remedy open to you would be to declare hardship and ask for a hearing before a Judge. Without...

Insurance Law: accident with a rental car, rental car driver, rental car company
rental car driver, rental car company, car question: Hi Louise- Your best bet would be to consult an attorney, as state laws vary on this. They can advise you whether you have any recourse against the rental company, and help you get a judgment against the person who caused the accident. That usually results...

Insurance Law: accidental death benefits denied, blood alcohol level, blood alcohol test
blood alcohol level, blood alcohol test, e mail address: Hi Cynthia, I need to know if this denial is coming from the life insurance company or if it was coming from her auto insurance company. If it is coming from her auto ins. company then they are saying that your friend violated her insurance policy by driving...

Insurance Law: auto insurance, u s coast guard, pcs orders
u s coast guard, pcs orders, best bet: Hi George, the answer to this lies with the legnth of time that you and your vehicle will be domiciled in California. If it is a brief stint then you should not have to register and insure the vehicle there but if it is long stint then you will have to. ...

Insurance Law: Backing out of a parking space collision, space collision, other vehicles
space collision, other vehicles, parking space: Hi Chuong, the driver who is doing the backing out from any parking spot or driveway is always at fault in events such as this. The other vehicle was in a moving lane of traffic and does not have the duty to watch for other vehicles that are backing out unless...

Insurance Law: Bad D.U.I. crash, center divider, mother co
center divider, mother co, defendent: Hi Stephen- I m not an attorney, but generally, ownership of the vehicle is based on how the vehicle is titled. If it was titled only in your name, then your attorney would have good grounds to ask the judge to dismiss your mother as a defendent. If she...

Insurance Law: Broken Windshield Claim, broken windshield, road hazard
broken windshield, road hazard, collision coverage: Hi Joel- No, as I understand it, these are considered to be falling objects/road hazards, which the driver of the truck has no control over. It s the vehicle owner s comprehensive coverage that would respond to this loss, not the insurance of the semi truck...

Insurance Law: bought possible stolen car, hi john, stolen car
hi john, stolen car, insurance claims: Hi John, this question would be best asked of someone who is an expert in criminal law. Either the person who sold the car to your father is guilty of theft or there was never any theft in the first place. Check to see if the owner who now is claiming theft...

Insurance Law: Car accident/ insurace, auto accident, insurance company
auto accident, insurance company, hubby: Hi Kristi- No, he will not be covered for the accident. The insurance company will note the time the accident occurred, and the time that the coverage was purchased. Often the effective date of coverage is 12:01AM the day after. So, no, you cannot purchase...

Insurance Law: No Contributing Factor/No Insurance Driver, left turn, police report
left turn, police report, insurance rate: Hi Ryan- You should provide your insurance company with a copy of the police report, showing that you weren t at fault, and let them know that the damage was so low it wasn t worth filing the claim. If you don t do that, they may consider the accident to...

Insurance Law: canceling insurance policy, kawait, truck insurance
kawait, truck insurance, hi chris: Hi Chris, as long as the truck insurance policy was in effect and the insurance premium was paid in full up to the time of the accident they are responsible for any and all claims regardless if you sell the truck or change insurance companies after the date...

Insurance Law: car theft, insurance adjustor, felony crime
insurance adjustor, felony crime, malibu california: Hi, this cop is obviously insane! What right does he have to make such accusations? I think that you should start making some noise about this to newspapers etc. Have you filed a claim with your insurance company? There is no law anywhere that compels...

Insurance Law: Can he claim?, rear end collisions, t claim
rear end collisions, t claim, stopsign: Hi Alex- Technically, rear end collisions are considered to be the fault of the person doing the rearending. If there were witnesses who will attest to the fact that he raced ahead and stopped unsafely (ie, not at a stopsign, just in the middle of the road),...

Insurance Law: claim question, formal denial, legitimate claim
formal denial, legitimate claim, insurance department: Hi Terri- I m not an attorney, but it appears that the payment for the claim was made in good faith, for the damages that you reported. Since they haven t sent you a formal denial of your claim, or the reason for it, it wouldn t appear that you have grounds...

Insurance Law: I crashed my friends motorcycle he has no collision coverage., collision insurance, collision coverage
collision insurance, collision coverage, kindness: Hi Stuart- You may have some additional responsibility to repair the vehicle in this case, since you were in effect acting as a garage repairing the vehicle. A judge could possibly rule that you have a liability for it, since you were acting as a repair...

Insurance Law: Damage caused by neighbor's property, act of god, high winds
act of god, high winds, trampoline: Hi Kathy- My suggestion would be to get the make and model of the trampoline, and get the owners manual on the internet. It would seem to me that it should have some way of securing it to the ground that the owner should do- (seems a reasonable and prudent...

Insurance Law: Fallen tree, act of god, best bet
act of god, best bet, prudent person: Hi Donald- These types of claims are very complicated, because you have to prove that the owner was negligent by not having the tree taken down. If the tree was dead, then a reasonable and prudent person would have had it removed. Your best bet is to take...

Insurance Law: Farmers low balld me, ford f150 4x4, david answer
ford f150 4x4, david answer, kbb: Hi David, I think that this is a matter of semantics because in the insurance policy there generally is a written amount that is allowed per day for the use of a rental vehicle. That insurance adjustor can probably send you a copy of the declaration sheet...

Insurance Law: Hit by a bus while stopped to let a passenger get into the car, bus co, bus driver
Insurance Law: Hit by a bus while stopped to let a passenger get into the car, bus co, bus driver, car driver

Insurance Law: Inolved in accident with no license, insurance company, insurance
Insurance Law: Inolved in accident with no license, insurance company, insurance

Insurance Law: Private Parking Lot Laws, age discrimination, drunk man
Insurance Law: Private Parking Lot Laws, age discrimination, drunk man, five shots

Insurance Law: friend damaged my car, will insurance cover?, collision coverage, auto policy
collision coverage, auto policy, insurance premium: Hi Jessica- Insurance companies vary in how they handle accidents. They will look at your driving record, for three to five years, and the number of accidents you have had. It s very probable that they would increase your rate. You d be better off to get...

Insurance Law: Left Hand Turn /U turn Accidents, green arrow, party payer
green arrow, party payer, traveling west: Hi Robin, the bush in the island should make the person contemplating the left turn even more cautious before making the turn. The problem with speeding is that it is impossible to prove without any electronic device which recorded it or eyewitnesses which...

Insurance Law: Hit by a bus while stopped to let a passenger get into the car, safe spot, bus driver
safe spot, bus driver, rear bumper: Hi Eileen, I am having trouble picturing this event in my mind. Where was the bus coming from that he had to make a sharp right turn to get to the bus stop? Since the curb was painted red it would seem to me that your husband violated VTL by parking there...

Insurance Law: HOA refuses to pay, sewer backups, personal insurance
sewer backups, personal insurance, good relationship: Hi Joni- I m not an attorney, but HOA s can, but vote, change anything in the agreement between the HOA and the unit owners. You may want to take the original HOA agreement and the revision to it to an attorney to see if what they are doing is legal. The...

Insurance Law: Home Owners Insurance with Cat, home owners insurance, oil bucket
home owners insurance, oil bucket, leash law: Hi Kim- You aren t liable for the damage, because his animal was the cause of it. Had he had his cat properly on a leash, it wouldn t have trespassed onto your land. Maybe you could call your local police and explain the situation, and they could have a...

Insurance Law: Homeowners Liability w/Dogs, leash laws, liability problems
leash laws, liability problems, dog bites: Hi David- Your Homeowners insurance policy should respond. They do for dog bites, so they should in an accident with a cyclist. North & South Carolina tend to have their own policy forms from what I recall, so I can t say for certain. (Sorry, I m from Wisconsin.)...

Insurance Law: *Can you help me...?, act of god, auto policy
act of god, auto policy, homeowners insurance: Hi Kelly- Such things are considered to be an Act of God, and are covered under your neighbor s Comprehensive coverage on his auto policy. Unless the whole tree was rotted, and you had been warned that it should have been taken down and failed to do so,...

Insurance Law: hit and run, insurance premium, uninsured motorist
insurance premium, uninsured motorist, policyholder: Hi Cassie, I am afraid that there isn t much you can do besides eating the deductible and getting the repair done. If there were some way to go after the owner of the parking lot I am sure that your insurance company would have already filed a claim against...

Insurance Law: house fire, supeona, breach of contract
supeona, breach of contract, fire investigator: Hi Reggie, are you saying that the insurance company is denying your claim? If so then get the report from the fire dept. and sue your insurance company for Breach of contract-failure to pay insurance claim . They will have to furnish you and the court...

Insurance Law: household stolen, relocation policy, homeowners policy
relocation policy, homeowners policy, homeowners policies: Hi John- I m attending a continuing education update today, and was advised that you should be paid for this claim. The 10% limit applies to property at a second RESIDENCE. There is WORLDWIDE coverage for personal property under the Homeowners policy form....

Insurance Law: Inolved in accident with no license, gothic horror, monetary claims
gothic horror, monetary claims, horror story: Hi Mark, the only thing that comes to mind would be for your girlfriend to claim that you stole her vehicle and for you to plead guilty to the theft. Once again, her insurance company might decide that since the two of you were domiciled together they may...

Insurance Law: Ins Deductible, repair referrals, usaa
repair referrals, usaa, customer service agent: Hi Robin, before you do anything I suggest that you contact USAA to find out how much the original bill was and how much they paid on it. Mention this problem to them. If in fact you owe the deductible then you can either pay it or wait until the shop either...

Insurance Law: Insurance, compansation, comprehensive insurance
compansation, comprehensive insurance, alledged: If you are not able to provide the proof of insurance required by law, then you are at the mercy of the court system. They will not compensate you, as you should have had the proof with you at the time. Sorry, it s just the way that works in the world today....

Insurance Law: How do insurance companies value a Car?, adjustor, kbb
adjustor, kbb, local newspapers: Hi Laurie, you can use Carfax and Edkins on-line services to find out the value of your vehicle in your particular area and also might look through the classified ads in you local newspapers to see if anyone is attempting to sell a similar vehicle and for...

Insurance Law: insurance for permit driver, underage drivers, insurance laws
underage drivers, insurance laws, insurance premium: Hi Tina, I do not believe that there exists any insurance laws that regulate the insurance premium rates in any State in the Union. Each insurance company sets their rates based upon their own underwriting evaluations. The less accident or other claims by...

Insurance Law: insurance replacing AC and carpeting, improper installation, carpeting
improper installation, carpeting, exclusions: Hi Marie- Your insurance may repair the damages, if they can verify that the cause of the loss was improper installation, but it is unlikely that they will replace the unit itself. You may have exclusions for mold in your policy. This is an interesting...

Insurance Law: Laps in Car Insurance, california dept of motor vehicles, dawn stevens
california dept of motor vehicles, dawn stevens, dept of motor vehicles: Hi Dawn, if this accident was your fault then you had best read your insurance policy closely to find out if there is any grace period for late payment written into it. If the insurance policy was officially cancelled then you will not have any coverage for...

Insurance Law: Lapse in Life Insurance, life insurance policy, proof of insurability
life insurance policy, proof of insurability, day grace: Hi Jody- There is a 30 day grace period for this type of policy. If you are within that 30 days, then just send in the payment. If it is over 30 days, some companies will allow reinstatement upon proof of insurability, but it sounds like they may not want...

Insurance Law: Law re: uninsured parked car, crime victims compensation board, crime victims compensation
crime victims compensation board, crime victims compensation, license plate search: Hi Shon, the police are not responsible because it wasn t even them who hit your vehicle. However, you can do a license plate search on the offending vehicle to determine the owner and insurance company name and make a claim against them for your damages...

Insurance Law: lawnmower left in street, walk behind mower, rearview mirror
walk behind mower, rearview mirror, line of sight: Hi Lance- I doubt that a judge would hold you liable in this, because they were negligent in where they left the lawnmower. It would not be considered reasonable or prudent to leave a piece of equipment in a driveway where it could be run over. That s my...

Insurance Law: liability for damage caused by child, brand new car, t touch
brand new car, t touch, handlebar: Hi Carol- If your son didn t touch this neighbor s car, there is no liability that should come to you, only to the friend s parents. Sounds to me like the neighbor is trying to get damage paid for that was caused at some other point in time. He would have...

Insurance Law: can my license be suspended?, occupational license, filing a lawsuit
occupational license, filing a lawsuit, insurance co: Hi Candida- I m not an attorney, and state laws do differ regarding causing damages in accident, and not having insurance or the means to compensate the party that was damaged. If they take it to court, which they likely will to get a judgment against you...

Insurance Law: when does motorcycle insurance go in affect, policy provisions, motorcycle insurance
policy provisions, motorcycle insurance, auto policy: Hi Jim- It depends on the policy form that they are using. Get the policy provisions, and look under Your Insured Vehicle . There it will address newly acquired vehicles, if they are using a version of the auto policy. Your son may have grounds to have...

Insurance Law: Nationwide Refusal to Settle, free initial evaluation, personal injury attorney
free initial evaluation, personal injury attorney, small claims court: Hi Theresa, gather all of your proofs regarding this event and sue the other driver in small claims court or in civil court. By proofs I mean a copy of the police report, the estimates of the repairs, and photographs of the damage. If your son s injuries...

Insurance Law: need help, insurance comapny, adjustor
insurance comapny, adjustor, slep: Hi Monique, this is excellent news and far faster than I would have expected! Have that insurance adjustor send you something in writing and go ahead and perform at your gigs. I have the feeling that other owners have also called in their claims against...

Insurance Law: neighbor borrows a power saw..., reasonable and prudent manner, extra insurance
reasonable and prudent manner, extra insurance, equipment vehicles: Hi Bob- I m not an attorney, but generally speaking, unless you are lending the tool to a minor or someone who doesn t have the capacity to act in the reasonable and prudent manner with the equipment, you shouldn t be held liable. Not to say that they wouldn...

Insurance Law: neighbors roof took out our fencing, barb wire fence, chain link fence
barb wire fence, chain link fence, act of god: Hi Dixie- Yes, this is correct. If the damage was as a result of a storm, it s considered to be an Act of God. Some of that damage should be covered under your Farm Insurance policy. You may want to inquire as to special 6 fencing (not regular barb wire...

Insurance Law: Overpayment of Insurance Claim, pop up camper, claims adjuster
pop up camper, claims adjuster, insurance claim: Hi Val- It is possible that they could come back and request the money back. If it is much more than the estimate, it would be best to contact them and ask them to explain the settlement amount. If the difference is just a few hundred dollars, you could...

Insurance Law: Parking Lot Accident - Right of Way?, google maps, parking lot accident
google maps, parking lot accident, san marcos blvd: Hi again Lana, after all of the dust settles on this event I believe that the insurance companies will agree that this accident was mostly{70%} the other driver s fault. I am basing this on the fact that given that this was an intersection which was not controlled...

Insurance Law: Plumber caused leak which resulted in water damage, california contractor license, defective workmanship
california contractor license, defective workmanship, giant puddle: Hi Paul- You will want to contact your insurance company, and ask them how they will look at a claim of this nature. If they get subrogation back from the contractor, which they should in this circumstance, they shouldn t hold it against you. You may lose...

Insurance Law: Private Parking Lot Laws, traffic zone, teenage drivers
traffic zone, teenage drivers, u turn: Hi Ryan, unfortunately the person doing the backing out of a parking spot or driveway is always held negligent in causing an MVA. The person doing the backing out must first ensure that he or she has an absolutely unobstructed pathway befor beginning the...

Insurance Law: parking forward vs backed in, vtl, shopping store
vtl, shopping store, parking spaces: Hi Charles, I am not sure about any studies of the merits of parking by backing in but I am sure that insurance companies have conducted them. One thing I can safely tell you though is that the method you are using in parking is the safest method and in fact...

Insurance Law: parking lot, garage type, owners insurance
garage type, owners insurance, car owners: Hi Anibal- Most likely, since the parking is provided as a convenience to their customers, and it s not part of a servicing garage type of situation, it is the car owners insurance that would respond in the event of a loss. The hotel s insurance may want...

Insurance Law: parking lot accident-t bone intersec., parking lot accident, traffic control devices
parking lot accident, traffic control devices, quarter panel: Hi Maria, hopefully when you and your daughter called in this accident to your insurance company she mentioned the refusal of the other driver to divulge the insurance information. I do not see this as a 50/50 accident because your daughter had to have been...

Insurance Law: parking lot backing, parking lot accidents, insurance adjusters
parking lot accidents, insurance adjusters, rate hike: Hi Jim- Parking lot accidents are very difficult to assess fault on. Some states include some negligence just for being there. It sounds to me that you shouldn t be surcharged for the accident, but could lose a claim free discount. Hope this helps. :)...

Insurance Law: pressing charges, pressing charges, sworn testimony
pressing charges, sworn testimony, priveledges: Hi Dillon, the term pressing charges is incorrect. Your wife merely has to show up in court and give sworn testimony of the events of the accident because apparently the other driver violated the VTL when he caused the accident and faces points being placed...

Insurance Law: Recovery of lost income - auto accident, sales commissions, pay statements
sales commissions, pay statements, commissioned sales: Hi Craig- I m not an attorney, but compensation for sales commissions is a very difficult thing to get compensation for, because they are based on something that may or may not occur. You may want to consult with an attorney, and see whether it is worth...

Insurance Law: Revoked Driver in a one car accident inNY, insurance company allstate, accident damage
insurance company allstate, accident damage, auto policy: Hi Alex- I m not from NY, so I can only give you what I know about the auto policy in general. If your uncle gave your permission to drive the vehicle, then his auto policy will cover the damage from the accident. I m not aware of any special NY law that...

Insurance Law: Sideswipe, parking lot accidents, speed bump
parking lot accidents, speed bump, occurence: Hi Sabrina- The best that you can hope for here is that the person who was behind you would be a witness as to who s fault it is. Parking lot accidents are very difficult, and it sounds to me like you had the right of way, coming in the main entrance. Also,...

Insurance Law: Sideswipe, speed bump, occurence
speed bump, occurence, swerve: Hi Sabrina, without any traffic controlling device in place it is the other driver who is at fault for causing this event. Since you had the speed bump it would mean that you were not speeding and since the damage to your car was to the rear side and hers...

Insurance Law: Soil erosion, soil erosion, soil loss
soil erosion, soil loss, privacy fence: Hi Carole- This involves fence ownership laws, which vary by state, and also the owner of the property. This isn t an area I m familiar with, but it sounds like they caused damage. You may want to contact the landlord, and tell him to put the area back...

Insurance Law: Son wrecked his friends motorcycle who has no insurance, motorcycle insurance, dangerous problem
motorcycle insurance, dangerous problem, florida insurance: Hi Billy, I am afraid that the friend has absolutely no liability for this event unless that bike had some serious and dangerous problem with it which could be proven. In that event he would be negligent in allowing anyone else to use the defective bike...

Insurance Law: Out of State coverege, insurance claim check, policy failure
insurance claim check, policy failure, own insurance: Hi Issy, are you asking about your insurance company or the insurance company which insures the other vehicle. If it is the other person s insurance company then you will have to sue the other driver. If it is your own insurance company then you will have...

Insurance Law: Stolen car claim, maryland attorney general, better business bureau
maryland attorney general, better business bureau, dept of consumer affairs: Hi again Tony, yes my answer should still apply and even more so. This would mean that VW credit is not even the lienholder but the actual owner! P.S. it is commonplace for an insurance adjustor to be hard to reach especially if they do the outside fieldwork...

Insurance Law: Stolen Vehicle Recovery, full coverage insurance, rental car reimbursement
full coverage insurance, rental car reimbursement, adjustor: Hi Bill- Can t say that I ve encountered this before. I personally wouldn t want to drive the vehicle until the adjuster inspected it as is, where it was recovered. How are you to know what damage was done, and if they will say damage that occurred was...

Insurance Law: stolen car, fireside bank, contract docs
fireside bank, contract docs, california division: Hi Colleen- This isn t my area of expertise, but there should be a State of California division that handles consumer affairs. Since they never cashed your check, it sounds to me like they couldn t find a bank to take the loan. Sounds like you were able...

Insurance Law: stolen truck in accident w/ no insurance, freeway sign, stolen truck
freeway sign, stolen truck, police report: Hi Bill, if you never turned the plates in for that truck then there will be a problem. Before you start to panic though find out if the alleged accident even occured with the other driver and obtain a police report. This could be some type of shakedown...

Insurance Law: Total loss and salvage, salvage companies, salvage value
salvage companies, salvage value, department of insurance: Hi Nic- I ve never heard of this being required, that the insured has to keep the ownership of the totaled vehicle and deal with the salvage on their own. As I understand it, that only happens when the insured wants to keep the vehicle for salvage. I m...

Insurance Law: Towing Company responsibility, auto repair shop, shop insurance
auto repair shop, shop insurance, towing company: Hi again Brett, that adjustor was 100% correct that you have to develop a snarl in dealing with the towing company! Since the towing company is denying any resposnibility for the bumper they will not give you the name of their insurance company. What I suggested...

Insurance Law: Tree fell on my parked car, street brooklyn, collision coverage
street brooklyn, collision coverage, report questions: Hi Yulia, if this was classified as a curb tree and was alive for more than 3 years then the city is responsible for it and the damages it caused. You should obtain at least two estimates of the repairs and request a claim form from the City of New York...

Insurance Law: Is this theft?, insurance investigators, collision coverage
insurance investigators, collision coverage, auto policy: Hi Holly- If the car was stolen from someone you gave permission to drive it, then your policy should cover it. I m not from Texas, so I can t advise whether there were any special restrictions in the Other than Collision coverage on the Texas Auto policy....

Insurance Law: tree damage from storm, carpenter ants, god thing
carpenter ants, god thing, act of god: Hi Sheila- Unless the tree itself was completely dead, it s very difficult to prove that the owner was negligent in not having it removed. The tree should definately come down now though, because carpenter ants being close to structures could be an invitation...

Insurance Law: unemployment insurance question, unemployment benefits, unemployment insurance
unemployment benefits, unemployment insurance, insurance question: Hi Jacob, the answer to the first part of your question is yes. You were technically terminated through no fault of your own and thus should be entitled to unemployment benefits. The answer to the second part is no. If you leave a job to look for one with...

Insurance Law: i wreaked my friends car, purchasing insurance, liability coverage
purchasing insurance, liability coverage, liability insurance: Hi Joey- No, your car insurance isn t going to pay for the damage you did to your friends car. The owner of the vehicle is responsible for purchasing insurance to cover things that may occur, including lending the vehicle to a friend. The only coverage...

Insurance Law: Auto Insurance Coverage, auto insurance coverage, obtaining insurance
auto insurance coverage, obtaining insurance, best bet: Hi Sherri- It would help her to be able to provide proof that she is a rated driver on an auto policy, once she does decide to get a vehicle. Unless she has a bad driving record, she should be able to get coverage, however she ll pay a higher premium for...

Insurance Law: auto accident, cervical spine, decent chance
cervical spine, decent chance, vacation day: Hi Debra- I m not clear on your description of the accident. Your best hope would be to find a witness who saw what occurred. If you did not have a stop sign, and the other party did, it would seem clear that you had the right of way. You may want to consult...

Insurance Law: auto lien, dept of consumer affairs, better business bureau
dept of consumer affairs, better business bureau, complaint letter: Hi Amber, never, ever pay for anything in cash without obtaining a receipt for the payment! The only thing I can advise you is to contact the N.Y.S. Attorney General s Office, Dept. of Consumer Affairs, and the Better Business Bureau and write a complaint...

Insurance Law: Bent the bumper of a friends car., car question, own insurance
car question, own insurance, insurance premium: Hi again John, that is what a deductible means. In order to receive a decrease in one s insurance premium the person agrees to pay out the first $200-$500 or so in damages to their vehicle the event of an accident. This always comes into play in a one vehicle...

Insurance Law: Boat sank at dock, society of accredited marine surveyors, marine surveyor
society of accredited marine surveyors, marine surveyor, would like your opinion: Hi Paul- I used to work for a company that did marine insurance. Marine surveyors are generally very good at determining the cause of loss. Salt water is very corrosive, and that is why maintence is so very critical. My suggestion would be to hire another...

Insurance Law: Broken windshield liability, broken windshield, road hazards
broken windshield, road hazards, road hazard: Hi Paul- Most states have case law now that state these types of things are considered to be road hazards, and negligence isn t attributed to the driver of the truck, since they don t have control over very rock their tires or vehicle could kick up. These...

Insurance Law: Car insurance, social security disability, uninsured driver
social security disability, uninsured driver, financial situation: Hi Jason- If your father is the legal owner of the vehicle, he is responsible for the damages. They will put a judgment against him, but it is unlikely they would take the car. The best thing would be for you to take responsibility for the damages you caused,...

Insurance Law: Car Stolen, extra key inside, professional car thieves, question thanks
professional car thieves, question thanks, glovebox: Hi again Cheryl, many auto manufacturers have made claims of newer security systems which are foolproof. I do not believe any of them. If someone made it then someone else can get passed them. However, insurance companies have become very adroit in seizing...

Insurance Law: Contributory Negligence, left turn signal, chevy silverado
left turn signal, chevy silverado, contributory negligence: Hello Brad, the way I see this situation it is one of passing on the right which runs against the VTL rather than comparative negligence . What the insurance company for the other vehicle is saying is that he was occupying the moving lane of traffic and...

Insurance Law: car accident damages condo garage, insurance contracts, insurance unit
insurance contracts, insurance unit, mandatory insurance: Hi Jean, thank you so much for letting me know how this entire train wreck was ultimately resolved and congratulations to you for obtaining the relief you sought without having to undergo all of the hassles that I had anticipated! Best of luck with all of...

Insurance Law: car insurance, insurance question, state coverage
insurance question, state coverage, bill of sale: Hi Rachel, you should make up a bill of sale which states the year make and model of the vehicle along with the agreed to price and sign it. Attach the signed over registration so that your daughter can take those documents to her DMV in the new state she...

Insurance Law: My car was stolen, rental car reimbursement, care custody
rental car reimbursement, care custody, continueing: Hi Kandice- The nature of insurance isn t to compensate you fully for every loss, but to provide you with some coverages and benefits to offset things like this that happen. I do question why they took the rental car from you, as this shouldn t have happened...

Insurance Law: car wreck, insurance department, college friend
insurance department, college friend, car wreck: Hi Kim- I m not clear, first of all, who the legal titled owner of the car is. If you are, then it could be argued that your daughter, as a regular driver of the vehicle, and rated on the policy, should have the ability to give permission to another to drive...

Insurance Law: coverage for a driver not on title, own car, auto insurance
own car, auto insurance, endorsement: Hi Denise- She can be a permissive driver of the vehicle, just by you giving her permission. She will not be considered to be a Named Insured, such as you and your husband are. If she also has her own vehicle and insurance on her own car, I don t see any...

Insurance Law: credit disability insurance, loan paperwork, credit disability
loan paperwork, credit disability, disability insurance: Hi Rich- If they are taking this action on their entire book of auto loan business, with appropriate notice, they should be allowed to do this. They shouldn t be able to single you out for it. You may want to look at the fine print on your original loan...

Insurance Law: cutting trees for insurance requirement, cutting trees, undue hazard
cutting trees, undue hazard, insurance requirement: Hi Suzanne- Your best bet at this point is to advise them that the trees are not on your property, and that you do not have permission to cut them down. Send them photos, advising them you complied with their previous request, and that additional items they...

Insurance Law: damage from dead tree, pine tree, insurance company
pine tree, insurance company, fence: Hi Barry- If you can document and prove that you discussed this with the owners, you may be able to get their insurance to pay. Proving it can be hard though. Laws can vary by state though, so you may want to discuss this with your insurance company to...

Insurance Law: Earthquake Insurance Coverage - Special Assessment, earthquake insurance, hoa fee
earthquake insurance, hoa fee, hoa dues: Hi Lorena- This sounds like something that is covered in the very fine print of your original HOA agreement. It gives the power to the shareholders meetings, and if they pass a special assessment, you are stuck, as you agreed to those conditions when you...

Insurance Law: Failure to yeild?, wet roads, snow bank
wet roads, snow bank, police report: Hi Dan- You should certainly question your insurance company why they paid damages for the other party s car, when the police report clearly states the other party was cited for not having brakes. Had she had brakes, it is likely the accident would not have...

Insurance Law: Failure to yeild right of way, default judgement, small claims court
default judgement, small claims court, negligence law: Hi Bruce, of course you have a chance and if you do a good job of putting all of your evidence together you should win. Small Claims Court is set up for just such cases and if you yourself hired an Attorney then the case would not even fall under the jurisdiction...

Insurance Law: Finally got in contact with hit and run driver, california department of transportation, pristine example
california department of transportation, pristine example, insurance estimate: Hi Alfred- You will have to pay the repairs yourself, and get law enforcement to cite the driver, and sue the person in court to get a judgment. I m not from California, so you may want to consult an attorney or websites from California Department of Transportation...

Insurance Law: Boat sank at dock, yacht policies, insurance contracts
Insurance Law: Boat sank at dock, yacht policies, insurance contracts, claim time

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...