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Insurance Bad Faith Questions & Answers
1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Real Estate Law for Texas on
Q: i got a reverse mortgage loan. the company said they would pay insurance , they haven’t done so and it expired

the contract says insurance and taxes need to be kept up I am really concerned

John Cucci Jr.
John Cucci Jr. answered on Sep 20, 2021

So you are right to be concerned.

If the agreement between you and the mortgage company requires them to pay for home insurance, then they are obligated to do so. If that is true your best move is to send the mortgage company a certified letter demanding that they provide coverage. If they...
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1 Answer | Asked in Insurance Bad Faith for California on
Q: My son was robbed at gun pt at an LA cafe serving food at tables outside. Should their insurance cover his loss?

The cafe owner said he would check with his insurance about covering the loss and he said his insurance would not cover the loss because it occurred outside, yet the cafe serves patrons outside all the time…

John Karas
John Karas answered on Sep 15, 2021

This is not a insurance bad faith matter. You're not the insured and lack standing to sue the cafe's insurer.

You can sue the owner for negligence insofar as failing to provide security. However, unless the amount stolen from you exceeds $10,000, you would have to file the...
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1 Answer | Asked in Insurance Bad Faith and Real Estate Law for Florida on
Q: Is it legal for my argent to add my kids to my car insurance without telling me

I was paying my car insurance thinking it would take around $200 for my car but it took around $400 because my agent added my son and daughter to my insurance without informing me first so now I have $-200 in my account

Jane Kim
Jane Kim answered on Sep 12, 2021

Usually, all members of the household that are of driving age are listed on the policy. Also, all owners of the vehicle are listed on the policy regardless of their residence address.

Typically, you are sent a declaration page of the insurance coverage and the premium amount. If you opened...
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1 Answer | Asked in Personal Injury, Construction Law, Insurance Bad Faith and Landlord - Tenant for Oregon on
Q: Im victim of arson .fire happen august 2019, fire coming from one of the unit 3rd floor causing the whole building total

Total lost ,is been 2 years now the condo 70% done sudenly there 2 things hapend our porsonal insurance says we have to move out of tenporaly housing.and the unit that cause fire lawyer text us about how much amount that they(farmers) owe us. I dont want answer i need advice

Tim Akpinar
Tim Akpinar answered on Sep 7, 2021

An Oregon attorney could advise best, but your post remains open for four weeks. I'm sorry for your ordeal and the loss of your home to fire. When you say you want advice, not answer, you may need to consider a consult with an attorney (if you don't have one already, where the attorney... Read more »

1 Answer | Asked in Estate Planning and Insurance Bad Faith for Minnesota on
Q: When a person appoints a power of attorney and he passes away, does that power of attorney end? I am from Minnesota.
Nina Whitehurst
Nina Whitehurst answered on Aug 30, 2021

A power of attorney ends when the principal dies. It also ends when the agent dies, unless there was a successor agent named, in which case it continues in favor of the successor agent.

1 Answer | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Georgia on
Q: Do I have to provide the defendant with my evidence when they’re served?

I filed a claim online against an insurance company, and provided evidence with my claim. The claim was accepted and now I’m seeking a process server to serve the register agent of this business.

My question is when I have the person served do I have to also provide them with the... Read more »

Randy Bryan Ligh
Randy Bryan Ligh answered on Aug 27, 2021

Why don't you have a lawyer representing you? Is this a case of supposed no insurance by the at fault driver?

1 Answer | Asked in Insurance Bad Faith and Insurance Defense on
Q: My insurance company says my claim will proceed on a without prejudice basis What is the meaning of that statement.
Tim Akpinar
Tim Akpinar answered on Aug 26, 2021

If you have an attorney on the case representing you, this question should be posed to them. They would have the entire file, the court's paperwork, and based on that, could explain things in the most meaningful manner. As a GENERAL matter, and without knowing more details, the use of the... Read more »

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for California on
Q: My insurance underwriter wants me to update wiring in a 120 yo home.

I bought a home in Pennsylvania recently, and there is some residual knob and tube wiring. My insurance underwriter did not do any inspection (due to covid), but is now threatening to drop coverage based on my disclosure.

I have had the home inspected multiple times, all of whom said that... Read more »

John Karas
John Karas answered on Aug 24, 2021

This is a question to pose to an insurance bad-faith attorney in Pennsylvania.

1 Answer | Asked in Insurance Bad Faith for Nebraska on
Q: Insurance company for the at fault party is refusing to pay for damages resulting in their insured being at fault.

My company’s utility trailer,that is essential to operate my business, was totaled by garbage truck. It was a hit and run. It’s been nearly a year and the at faults insurance is refusing to pay anything but a small fraction of the money my business is out. They refuse to show any paperwork for... Read more »

Julie Fowler
Julie Fowler answered on Aug 19, 2021

If you were in a motor vehicle collision and the other insurance company is offering to pay less than the damages, then it may be time to retain an attorney and pursue legal action for the damages. The Court will generally order the party to pay reasonably related damages. The party not at fault... Read more »

1 Answer | Asked in Consumer Law, Contracts and Insurance Bad Faith for Georgia on
Q: Is a carshield repair contract considered insurance in the state of Ga? If not does the state regulate them?

Ok. Apparently the question wasn't clear to some people. It isn't a question of is it auto insurance. If is a question of is that contract legally considered insurance against mechanical failures(I have heard the term "policy" used and they have "adjusters")? Also... Read more »

Cory D. Raines
Cory D. Raines answered on Aug 19, 2021

CarShield offers protection plans and warranties to their members and is not insurance. Their coverage extends to only to automobile repairs. Although having CarShield may be a good thing, it does not provide coverage for injuries damage caused by accidents. Therefore you should have insurance.... Read more »

1 Answer | Asked in Personal Injury, Insurance Bad Faith and Insurance Defense for Georgia on
Q: Can a lawyer request this from an employer, without any specific reason given?

Can a lawyer ask for your insurance coverages without specific reason given? He has a client that was injured on a job site. The lawyer sent this out to over 24 companies. Nobody has heard of this person. There weren’t any injury reports for any trades on that job.

Tim Akpinar
Tim Akpinar answered on Aug 15, 2021

A Georgia attorney could advise best, but your question remains open for three weeks. From your description, it's possible the lawyer did an intake interview with an injury claimant but was unable to ascertain details as to property owner or applicable insurance. If they're doing this to... Read more »

1 Answer | Asked in Car Accidents, Insurance Bad Faith, Insurance Defense and Traffic Tickets for Indiana on
Q: insurance company refuse to pay for my vehicle after an accident cause someone was driving with suspended license

My husband received a ticket in February 2021 we paid the speeding ticket and the Bmv sent the sr-16 to the Bmv my husband got into an accident and hit a tree he was the only one involved in the accident in July 2021 and that’s when he found out his license had been suspended and yes I know... Read more »

Charles Candiano
Charles Candiano answered on Aug 13, 2021

An insurance company has a right to refuse payment on an accident claim if the driver did not have a valid license. You admit that your husband did not have a valid license at the time of the accident. Your insurance company may well be refusing to issue a certificate of coverage but that refusal... Read more »

2 Answers | Asked in Consumer Law, Contracts, Real Estate Law and Insurance Bad Faith for Florida on
Q: Does a HOI company in FL have any liability if they agree to insure and then cancel policy after home purchase?

I bought a home with an old roof in May 2021. I had only one option for HOI as a result. The company was provided a copy of the 4 point inspection and agreed to issue the policy. I was buying the property with the intention of doing some renovations in the next year or two, but didn't have the... Read more »

Terrence H Thorgaard
Terrence H Thorgaard answered on Aug 13, 2021

What are they saying is the reason they are cancelling; did you give them false information of any sort?

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2 Answers | Asked in Car Accidents, Consumer Law and Insurance Bad Faith for Georgia on
Q: I was in an accident, the police officer could not determine who was at fault (although it was evident).

I took this to small claims court to prove that I was not at fault and won my case. This accident happened in 2019 and I was diagnosed with cancer a month afterwards.

I had to request several contingencies due to radiation, chemotherapy, physical therapy and recovery time. During this time... Read more »

Titus Thomas Nichols
Titus Thomas Nichols answered on Aug 11, 2021

They're going to try and scare you into accepting a lower amount of money by threatening to appeal.

You need an Attorney who will represent you in the appeal. Otherwise they will appeal the case a demand a jury trial.

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1 Answer | Asked in Insurance Bad Faith for Florida on
Q: I live in Florida. My license will be suspended without Florida car insurance that I can't get because I'm in Virginia

Im in Virginia for 2 weeks only and they keep saying I need Virginia insurance which is illegal because I'm a Florida resident

Terrence H Thorgaard
Terrence H Thorgaard answered on Aug 3, 2021

Are you saying you can't pick up a phone, call a Florida insurance broker, and get Florida insurance? That is very doubtful. In any event, I don't believe it will be suspended before you return to Florida.

Q: Water main broke. Flooded basement, washed out gravel, dirt, grass. Insurance claim denied as 'act of God'!?

God did not lay the pipe! Utility vendor insurance carrier says not liable for damages as no work had been done that was faulty, just normal wear. But also claimed 100 year pipe, only been 50 years in. Another main burst 100 yards down road yesterday. My damage was 4 weeks ago. Should I file... Read more »

Tim Akpinar
Tim Akpinar answered on Aug 3, 2021

A North Carolina attorney could advise best, but your post remains open for three weeks. You could continue to await a response, but you could also consider reaching out to local attorneys with experience in civil litigation and property & casualty losses. This has the makings of a complex,... Read more »

1 Answer | Asked in Insurance Bad Faith for Kansas on
Q: Our business was destroyed in the Leeds Plant fire on Tuesday. What kind of attorney do we need? Please help?
Tim Akpinar
Tim Akpinar answered on Jul 31, 2021

A Kansas attorney could advise best, but your post remains open for three weeks. If you had insurance coverage on your operations and are dealing with issues such as lost or damaged equipment, inventory, etc., you probably want an attorney familiar with property & casualty insurance losses.... Read more »

1 Answer | Asked in Insurance Bad Faith for Pennsylvania on
Q: I was hurt on my job 4 yrs ago. The insurance paid for cortisone shots for 2 yrs. The next 2 yrs there was no pain. The

The pain is back now but the insurance has closed my claim even tho the injury happened on the job. I left that job 2 yrs ago. Are they still responsible for my care caused by this work injury?

Peter N. Munsing
Peter N. Munsing answered on Jul 30, 2021

Tell them you want to reopen the claim. I suggest you contact a member of the Pa. Association for Justice who handles workers comp in your area. They give free consults.

1 Answer | Asked in Insurance Bad Faith and Health Care Law for Florida on
Q: Insurance company charging a 1100% markup for wrist braces, anything I can do?

My insurance company is charging a 1100% markup for wrist braces, discounted to 450% for in-network.

First, my doctors office told me the cost for the braces was $10.40 when I asked how much they were. A week later I received a bill for $224 (discounted from $566)

They admitted... Read more »

Jane Kim
Jane Kim answered on Jul 18, 2021

American healthcare is unlike any other business of supply and demand. In the healthcare world, the healthcare provider and the health plan agree on prices. You as the consumer (patient) do not dictate, negotiate or drive pricing up or down. You agree to pay the health plan premiums without price... Read more »

Q: The Worker's Compensation Atterney I hired settled my PD claim w/o my consent

I told him no i wanted full disclosure of my claim and need to ask the judge for some of my $125,642 award i was put as permanet and stationary way to early by my PTP when still getting my right hand,fingers,thumb,wrist from pulling radial nerve out of my bicept from jobsite fall ,and my back and... Read more »

Neil Pedersen
Neil Pedersen answered on Jul 13, 2021

You have not asked a question.

This Q&A board is not a place to solicit an attorney to work for you. It is a place to get general legal guidance.

Speak to your attorney about this. You cannot be forced to sign a settlement that you do not agree with. However before you walk...
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