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Insurance Bad Faith Questions & Answers
1 Answer | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for California on
Q: Is there a standard minimum you can expect to get from an insurance company from a minor hit and run accident?

A year ago I was in a minor hit and run accident. I had to see a chiropractor and was out of work for a few weeks. I went straight to the emergency room, so I also had a doctor bill. Mercury insurance has had a claim specialist working on this for a while now, they just got back my medical bill,... Read more »

John Karas
John Karas
answered on Feb 4, 2023

Consult with a lawyer in your area. You don't make any mention of loss of earnings (LOE) so that might another component of your claim.

1 Answer | Asked in Insurance Bad Faith for Alabama on
Q: My husband just died and left his entire $1,000,000 life insurance policy to his sister. We have minor children.

He told me I was beneficiary. Life insurance policy was paid for 12 years from our joint account. Married over 17 years. 2 minor children. Do I have cause to contest this?

Tim Akpinar
Tim Akpinar
answered on Feb 4, 2023

An Alabama attorney could advise best, but your question remains open for two weeks. I'm sorry for the loss of your husband and the concealment of the terms of the policy. This is posted under Bad Faith, but attorneys who practice in the Probate and Estate Planning categories might be a better... Read more »

1 Answer | Asked in Car Accidents and Insurance Bad Faith for Florida on
Q: Is it legal to list a fictitious address on car insurance?

Separated from husband, he just had to get new car insurance due to his accidents. He has listed a friends address as to where my vehicle is being kept., Is that legal or should I call the insurance company?

Charles M.  Baron
Charles M. Baron
answered on Feb 3, 2023

That is a matter of the terms of agreement with the insurance company, and those terms are contained in the written policy. If the address listed for the vehicle is not the correct address, that most likely violates the policy, subjecting the policyholder to cancellation of the policy. So... Read more »

1 Answer | Asked in Insurance Bad Faith for Michigan on
Q: Insurance company will no longer pay for restoration from hot water tank flood, what can i do?

clean up company already started cleaning the basement and removing drywall and demolition has started, but now the insurance company will no longer cover the cost.

Brent T. Geers
Brent T. Geers
answered on Feb 2, 2023

You need to talk with an attorney focused on insurance. It will matter whether claim was approved and for what work.

1 Answer | Asked in Contracts, Insurance Bad Faith and Insurance Defense for Missouri on
Q: i got a certified letter to do a statement under oath from my car being vandalized. the date of loss is incorrect

the letter was from the attorny that is representing my insurance company. it has all the details like policy number ,date of loss which is incorrect. they are a month off

Ronald J. Eisenberg
Ronald J. Eisenberg
answered on Jan 30, 2023

What’s your legal question? Letter from whom?

1 Answer | Asked in Car Accidents, Health Care Law and Insurance Bad Faith for California on
Q: i have paid to my union 50 thousands dollars for health and welfare got into accident n owe 40 k was coverd

Crashed a company vehicle and at the time I had worked over the years. Nearly 8 thousand hours. Nearly 50k has been payed for my health and welfare. From 2015-2018. These years I wasn't even covered. I have evidence of all this with documents. It's crazy to me that my credit has been... Read more »

William John Light
William John Light
answered on Jan 30, 2023

Unclear what you are asking about. If you were in a company vehicle, the company's auto insurance should have applied, including Medical Payments and Uninsured/Underinsured Motorist coverage (if the collision was the fault of another party). If you are asking about medical coverage, it would... Read more »

1 Answer | Asked in Insurance Bad Faith, Personal Injury and Car Accidents for Washington on
Q: What should I do when an insurance company keeps removing my uploaded documents on their claims website???

The insurance company continues to remove my documents that I have uploaded to their website and to which I was instructed to do so by the claims team. I have asked via text and email as to why this is happening and have not received a response. This has been happening every time I upload a... Read more »

Tim Akpinar
Tim Akpinar
answered on Jan 29, 2023

A Washington attorney could advise best, but your question remains open for two weeks. One option is to ask them if there is a technical glitch with either the site or the formatting of the documents, and if so, will they accept hard copies by certified mail. Also ask them if they are downloading... Read more »

1 Answer | Asked in Car Accidents and Insurance Bad Faith for Indiana on
Q: Car insurance is not paying out for the accident. What ca be done?

My daughter's car was hit from behind on December 16 2022. Insurance company has made no movement on paying out the car. Her car has been in impound. She has been paying ride shares and walking to work. What can she do? Does the insurance have time requirement to resolve the issue?

Tim Akpinar
Tim Akpinar
answered on Jan 28, 2023

An Illinois attorney could advise best, but your question remains open for two weeks. Some of your primary options include attempting negotiation with the carrier, filing suit in small claims court or civil court, or arranging a consult with an attorney to discuss them filing suit or continuing... Read more »

1 Answer | Asked in Insurance Bad Faith for Florida on
Q: My insurance has comprehensive coverage which covers flooded cars. My adjuster is claiming that it wasn’t flooded.

My insurance adjuster called me today asking me really detailed questions that I’ve already answered before and asking me things he should’ve been asking a mechanic. My mechanic stated that the car was a total loss due to flood after several diagnostics and my adjuster ignored him and stated he... Read more »

Charles M.  Baron
Charles M. Baron
answered on Jan 26, 2023

There are good and bad insurance companies, and the bad ones routinely deny valid claims and/or are extremely stingy because they figure their resulting higher profits will outweigh the losses caused by lawsuits. When an insurance company has no rational basis for its denial or stingy offer,... Read more »

1 Answer | Asked in Insurance Bad Faith for Delaware on
Q: I have an insurance that is refusing to pay for a benefit I was assured they would pay for before getting it.

I have screenshots and emails saying they will but still deny benefit.

Tim Akpinar
Tim Akpinar
answered on Jan 25, 2023

A Delaware attorney could advise best, but your question remains open for a week. If they issued you a denial form or a denial letter, it's possible those could outline your recourses, in terms of litigation, arbitration, etc. There aren't many details here, but one of your options is... Read more »

1 Answer | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Arizona on
Q: what should i do if i havent made a payment towards my car insurance and my car caught fire

my card on file was on auto pay, i received a new card and didnt notice the insurance hadnt been paid. i never received any form of notice informing me the payment was declined. resulting in the cancellation of my insurance.

John Michael Frick
John Michael Frick
answered on Jan 22, 2023

If your insurance was canceled due to nonpayment of the premium, you’re going to have to pay for the repairs or buy a new car out of pocket. I wouldn’t expect insurance to cover it.

1 Answer | Asked in Insurance Bad Faith for Texas on
Q: Do I have to answer Discovery for past criminal offenses in small claims court. I’m plaintiff suing for diminished value

Her insurance has already admitted she’s at fault and repaired my car. Lawyer is claiming she is not liable. Does this apply? Rule 404. Character Evidence; Crimes or Other Acts

(a) Character Evidence.

(1) Prohibited Uses. Evidence of a person’s character or character trait is... Read more »

John Michael Frick
John Michael Frick
answered on Jan 14, 2023

Rule 404 is a rule of evidence, not an exemption from discovery.

1 Answer | Asked in Insurance Bad Faith and Civil Litigation for Nebraska on
Q: Want to know if I will be fined for a lapse of insurance or home owners insurance in the state of Nebraska.

I am changing companies and have been told that I have to have continuous coverage on my auto and home insurance. Is this correct for the state of Nebraska?

Julie Fowler
Julie Fowler
answered on Jan 10, 2023

You have to have "proof of financial responsibility" for your vehicles, which for most people, means that they have to have vehicle liability insurance (auto insurance) on the vehicle at least at the statutory minimums at all times. There are some exceptions that you can read about on... Read more »

1 Answer | Asked in Insurance Bad Faith for Louisiana on
Q: Can your car insurance drop you after one incident?

I was with State Farm for 12 years, no incidents or claims. This summer I drove my husband’s truck to the beach, on the way the ac went out. My brother met us in Alabama for the weekend, he said he’d take the truck to have the ac fixed (I’d just gotten it out of the shop for 8 months waiting... Read more »

Randy Bryan Ligh
Randy Bryan Ligh
answered on Jan 10, 2023

Yes they can although it seems to me to be a bad business practice for State Farm. If State Farm is not doing what it should from an insurance (coverage) standpoint as it relates to any of the incidents you describe, then please contacgt a lawyer in your area and discuss your options. Good... Read more »

1 Answer | Asked in Insurance Bad Faith for Louisiana on
Q: I have a criticl illness policy with UNUM, and on 2-8-2022 i was diagnosed with prostate cancer.my claim was denied

UNUM is saying cancer4 is not a critical illness,and prostate is

not a major organ. on my policy on page 5, and 21;22

say cancer is covered. And on UNUM website say

a critical illness policy cover cancer.

Tim Akpinar
Tim Akpinar
answered on Jan 9, 2023

A Louisiana attorney could advise best, but your question remains open for three weeks. I'm sorry for your ordeal. You could reach out to health care attorneys to try to set up a free initial consult to discuss your best options in terms of challenging the denial - litigation or other means,... Read more »

1 Answer | Asked in Insurance Bad Faith for Texas on
Q: In Texas, is there a statute of limitations for a homeowner's claim to be accepted or denied?
John Michael Frick
John Michael Frick
answered on Jan 7, 2023

The statute of limitations is the period of time within which the homeowner must file a lawsuit against the insurance company.

Separate and apart from the statute of limitations, the Prompt Payment Act requires an insurance company to respond within a specific time to a claim made by the...
Read more »

1 Answer | Asked in Insurance Bad Faith for Alabama on
Q: My mother passed in Sept 2022 and we are waiting on her claim, they stated waiting medical paperwork. What can we do?
Tim Akpinar
Tim Akpinar
answered on Jan 6, 2023

An Alabama attorney could advise best, but your question remains open for three weeks. I'm sorry about the loss of your mother. That's a long time to await records. Only an Alabama attorney could advise on statutes of limitations that are applicable for you, but you may want to consider... Read more »

1 Answer | Asked in Insurance Bad Faith for California on
Q: Can an Umpire in a California Insurance Code 2071 Appraisal suspend or terminate the Appraisal between the parties?

Umpire hasn't ruled on differences presented by each appraiser, yet he has suspended the appraisal and threatens to terminate it because the insured is unable to pay the umpires invoice for service up to just prior to the hearing.

Additionally, the invoice is being contested because... Read more »

Alexander C. Safarian
Alexander C. Safarian
answered on Jan 5, 2023

Under California Insurance Code Section 2071, an umpire appointed to participate in an insurance appraisal has the authority to suspend or terminate the appraisal process if necessary. The umpire may take this action if it becomes apparent that the appraisal process is not being conducted in... Read more »

1 Answer | Asked in Insurance Bad Faith, Appeals / Appellate Law and Civil Litigation for Texas on
Q: My insurance company made identification errors. Why do they expect me to fix the problem when they never notified me?

My medical records related to auto injuries keep 'disappearing'. Ive been denied medical treatment for auto related injuries and constantly undermineded without any explanation. Now that I know, my insurer is admitting they made identification errors during the claims process and is fully... Read more »

Tim Akpinar
Tim Akpinar
answered on Jan 5, 2023

A Texas attorney could advise best, but your question remains open for three weeks. It isn't clear why false allegations were made against you - unless you mean the matter was escalated to a SIU (Special Investigations Unit). It looks like there could be a number of issues to sort out here -... Read more »

1 Answer | Asked in Civil Litigation and Insurance Bad Faith on
Q: Can I sue my storage if my storage was broken into

They are only giving me $26 I was with them over 3years ,The police report shows my jewelry that was in my unit was worth a $1 and that's not true. I have know receipts,

John Michael Frick
John Michael Frick
answered on Jan 2, 2023

Ordinarily, self storage insurance does cover the theft of your property from your self storage unit up to the limits stated in your policy. The covered value for jewelry typically can be increased for an additional premium if you were storing valuable jewelry in your unit. You should carefully... Read more »

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