In my research, I believe that my and my spouse's IRA and Roth IRA accounts are protected. However, are our SEP and HSA accounts as well as our personal residence also protected?
answered on Sep 15, 2023
My opinion: This is a personal question that, like other insurance questions, comes down to your tolerance for risk. Generally, it's good to also consider other assets, including earning capacity. A lawyer or a doctor likely has a higher earning capacity than a McDonalds window employee or a... View More 
In my research, I believe that my and my spouse's IRA and Roth IRA accounts are protected. However, are our SEP and HSA accounts as well as our personal residence also protected?
answered on Sep 16, 2023
It could be difficult to predict what an aggressive and determined plaintiff would choose to pursue - depending on what theory they might present in a given lawsuit. A starting point could be to consult with an insurance professional to get a handle on premiums for different scopes and levels of... View More
I have several properties in CO, each in it's own separate LLC with me as the only member of each LLC. Does having all the LLC's insured under a PERSONAL liability umbrella defeat the entire point of the LLC's, (which is to keep each property only individually "liable" and... View More
answered on Jun 2, 2023
Hi there, generally your personal liability policy is not going to cover the properties owned by the LLC given that the LLC is not the insured on the policy. You would need to read the policy to be certain. An umbrella policy for all of them could be a solution if there was adequate coverage and... View More
Hi my name is Mary and I am a resource navigator I have a client who needs a lawyer but I am unsure what kind of lawyer to help her find. She is 19 and used to drive an ambulance, while driving she was in an accident she just was served stating she and the ambulance company is being sued. What... View More
answered on Dec 28, 2022
A Colorado attorney could advise best, but your question remains open for two weeks. It sounds like your friend needs an insurance defense attorney. Occupants of the other vehicle are apparently making a claim for bodily injury or property damage, or both. She should make a copy of the papers she... View More
dispatched on medical emergency and hit 2 horses on road leaving home lives in howard,colo
answered on Apr 2, 2024
A Colorado attorney could advise best, but your question remains open for two weeks. I hope the volunteer and the horses are okay. It could depend on the policies, in terms of what they cover and what they exclude. Good luck
I was in the dirt the last message was at 930 they issues a ticket but was dropped but the insurance company did nothing even just liability I explained that but still nothing was 4 years ago broke my femur pelvis 2 spots 5 vertebrae collapsed my lung and split my spleen I don't remember what... View More
answered on Apr 1, 2024
There are methods to determine fault in car crash including the retention of an expert accident reconstructionist.
An experienced personal injury attorney can evaluate the information you do have to determine potential next steps.
My claim was made November 27th. I was told they had 48 to respond. First attempt made on their end was December 1st which I missed the call and spoke to no one until 17 days after. They are questioning the time I made payment which was on November 24th ?? I got paid Friday I paid Friday. I am... View More
answered on Jan 2, 2024
A Colorado attorney could advise best, but your question remains open for two weeks. I'm sorry for your ordeal. One option could be to consult with a local attorney to review the file, reports, and claim documents in detail and evaluate the relevance of information requests. Good luck
so i went to the chiropractor that was out of network with my insurance so the chiropractor submitted a claim to them after my visit to see if they would make an exception. my insurance sent me claim documentation and they approved to cover $78 of the total meaning i would have to pay $178 out of... View More
answered on Apr 12, 2023
A Colorado attorney could advise best, but your question remains open for four weeks. Speak with the office's billing and collections personnel. Most medical offices would make adjustments where a patient paid out of pocket for charges that were submitted and partially covered. Good luck
I had a sizable condo fire, and it was determined that it was the HOAs insurance policy that should make the repairs (not due to fault but bylaws- both parties agree). Suddenly, my HOA changed ownership a few weeks after the fire to a new company. Now the old HOA is saying that it is no longer... View More
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answered on Sep 26, 2022
Sorry to give generic information but you should look into an attorney to sort everything out.
In addition, it may be worth taking the time to dig through your home owners documents for the insurance declaration and trying to make a claim directly with the insurance companies. If... View More
My payment is late. I will be able to pay on my payday (in 5 days). They said it will be cancelled on Jan 4.. Can they cancel me before finishing my claim?
answered on Jan 11, 2022
A Colorado attorney could advise best, but your question remains open for four weeks. As a general matter nationwide, the issue is generally whether the policy was in effect at the time of the accident, barring any special conditions stipulated by the carrier. Carriers can extend grace periods to... View More
Hurt my back working out at the gym. I have insurance through my job. I got some testing done which includes imaging. I got a preauthorization and met my deductible, payed all bills. Two years later.. I get medical bills that hit my credit, then bills equating to $13,000 which my far surpasses my... View More
answered on Jun 4, 2021
A Colorado attorney should advise, since the matter could involve state-specific laws, but your post remains open for five weeks. If you reached out to attorneys to discuss, they may want to review the file in its entirety, including authorizations, bills, denials, etc. and trying to identify where... View More
I have had an illness for months but specialist is still seeking diagnosis. Short term disability has been exhausted. Long term disability company is asking me to sign medical release for entire medical record and waive HIPAA in addition to other seemingly inappropriate questions that have nothing... View More
answered on Nov 3, 2020
A Colorado attorney could advise best, but your post remains open for two weeks and you mention needing help quickly. One option is to start reaching out to attorneys who handle disability claims. Many attorneys in that area provide free initial consults - that's between you and the attorneys... View More
answered on Oct 15, 2020
A Colorado attorney could advise best, but your post remains open for a month. If it was done close to the time of moving, it could have been an oversight. At any rate, correcting it could help avoid future headaches. Good luck
Tim Akpinar
answered on Mar 26, 2020
Call me 303-688-0944 or schedule online at www.robinsonandhenry.com/locations
I woke up and I hear meowing coming from somewhere, and I thought it was my cat. It was actually another person's cat that was outside my front door. I didn't know this because it had no collar and I hadn't seen it before. Over the next couple of hours the cat stayed out there. I had... View More
answered on Dec 13, 2019
Most likely the adjuster is calling you to pay for your injuries so you don't sue the owner. But, I do not know. I would recommend taking the call to find out what the adjuster wants.
My dad lives in Longmont. "Duplex" is probably not the correct term: it is a single building that contains two residences, each owned by a separate person. The area has an HOA. There was a hail storm a few months ago. A roofer and my dad's insurance (State Farm) adjuster... View More
answered on Nov 2, 2018
You may be better off just having your dad's neighbor go straight to an attorney who specializes in first-party property insurance bad faith claims. That lawyer can get a better idea of the facts of the case and point them in the right direction. Often bad faith insurance litigation firms... View More
I own an insurance agency and purchase lists that are supposed to be names, addresses and potential homeowners renewal dates. The vendor I use pulls information from public records like real estate transactions and the census. Occasionally, in a month with a list of 4000 potential homeowners... View More
answered on Jan 15, 2018
No, that woman's an idiot.
Even if it were illegal it would be prosecuted by the county attorney for a criminal act, or more likely the Dept. of Regulatory Agencies (DORA) for a regulatory violation. She has no private right of action to sue you for mistaken advertisement.... View More
I had a skin infection on my hand from a cat bite.
I asked to be treated as an outpatient but the doctor refused saying I had to be admitted.
I haven't got the bill yet but I expect to get one soon.
The insurance company says the hospital handled this the wrong way.
What am I suppose to do?
answered on Jan 18, 2017
You have three options. One, you can appeal the insurance company's determination. Two, you can see if the insurance company's determination voids some or all of the medical charges because of the violation of the agreement between the doctor/hospital (I have seen over $200,000 worth of... View More
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