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Insurance Defense Questions & Answers
1 Answer | Asked in Divorce, Personal Injury, Real Estate Law and Insurance Defense for West Virginia on
Q: Need help filing a dismemberment claim
Tim Akpinar
Tim Akpinar answered on Jun 21, 2021

A West Virginia attorney could advise best, but your post remains open for three weeks. At this point, you could reach out to West Virginia attorneys. If the dismemberment involved loss of an extremity in a work-related setting, it could involve element of workers' comp law. But if it was... Read more »

1 Answer | Asked in Criminal Law, Insurance Bad Faith and Insurance Defense for Arkansas on
Q: Should I plead guilty or not guilty to insurance fraud? Class D felony first time offender can't afford a attorney

Basically I got In a wreck a while back (was not at fault) and bought an insurance claim right after I got out of the car. The insurance investigator asked and I lied and said it was before. No money was ever given to me nor was the car fixed and I was making a statement that I wasn't trying... Read more »

Richard Lane Hughes
Richard Lane Hughes answered on Jun 19, 2021

I don't know if I completely understand the facts of your case. However, that alone is a reason for you to have an attorney. That is, to help you communicate with the prosecutor as well as the court.

Plead not guilty and advise the court that you cannot afford an attorney. You are...
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1 Answer | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Texas on
Q: Was in car accident not on insurance and seeking guidance

A couple of weeks ago I rolled into an intersection and got t boned. It was not my car and I'm not in the insurance. The insurance company contacted the provider and is threatening to sue for this. (This is what I gathered over the phone call I just had with them) this is the first car... Read more »

Doug Goyen
Doug Goyen answered on Jun 18, 2021

From the way you phrase the question, it sounds like you believe you caused the collision. You may want to go over the details with an attorney, just in case.

If you were driving someone else's vehicle:

Did you have permission to use the vehicle you were driving?

Read more »

2 Answers | Asked in Car Accidents and Insurance Defense for California on
Q: If I get into an accident while driving a company car while doing job duties will my personal insurance be affected?

I work for a self driving car company in the Bay Area and I got into an accident today where I was parking the company car during my shift and I accidentally backed up into a parked car. All collision procedures took place and I left a note on the car. There wasn’t much damage to either of the... Read more »

Dale S. Gribow
Dale S. Gribow answered on Jun 13, 2021

Remember that insurance follows the the insurance for the car you were driving in, should control.

there is no law that you have to report the accident to your insurance co.

when it comes up for renewal, unless they ask, I would NOT volunteer the info.

if your ins...
Read more »

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1 Answer | Asked in Contracts, Products Liability, Insurance Defense and Small Claims on
Q: I have a weekly contract at motel 6 all of my belongings where taken I'm denied access to the security footage

House keeper just stormed in using the key not identifying herself or anything just stormed in and got startled and closed the door

Peter N. Munsing
Peter N. Munsing answered on Jun 11, 2021

Did you report the theft to the police? They can get the footage.

1 Answer | Asked in Personal Injury and Insurance Defense for Colorado on
Q: I need medical insurance advice

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... Read more »

Tim Akpinar
Tim Akpinar 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... Read more »

1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Divorce for Georgia on
Q: We have a court order stating my ex is required to provide insurance for our kids. He quit his job-lost kids insurance.

He lives in Ky, I live in GA. He says he has to use my income to get our kids Medicaid and put it in my name, but he would pay premium. Is this considered him providing insurance for kids?

Note: he’s failed to abide by the court order in all terms.

Should I just file contempt... Read more »

Homer P Jordan IV
Homer P Jordan IV answered on May 27, 2021

If he’s not following court orders then you should file for contempt. Consult with an attorney who can help you address these issues legally.

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Michigan on
Q: Why would a life insurance company ask what state and country you were born in?
Brent T. Geers
Brent T. Geers answered on May 13, 2021

Risk analysis and calculation, as well as identity purposes.

1 Answer | Asked in Banking, Insurance Bad Faith and Insurance Defense for New York on
Q: what to do if my bank refuses my father's life insurance claim?

My father's bank refuses to pay me by telling me that my father did not contributed the last months before his death without giving me any official paper or proof. My father contributed to this insurance for more than 30 years and it's a shame not to get any penny..

Tim Akpinar
Tim Akpinar answered on May 9, 2021

I'm sorry for your ordeal that makes a difficult situation even more painful. It appears you've already requested records. It's difficult to offer step-by-step instructions here, as the next step could possibly require litigating the claim, depending on the situation. Reach out to... Read more »

2 Answers | Asked in Insurance Bad Faith, Insurance Defense, Criminal Law and Traffic Tickets for Texas on
Q: If proof of insurance was provided to the court do they verify it?

If someone received a ticker for Financial Responsibility (No Insurance) and they showed the court they had a policy during the date of ticket is the case dismissed immediately or is the insurance policy verified? Not speaking of fake insurance but if you can't remember if it was cancelled or... Read more »

Kiele Linroth Pace
Kiele Linroth Pace answered on May 5, 2021

They will probably verify it unless someone is being lazy.

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1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Louisiana on
Q: Is it normal for an insurance company to ask for the death certificate of someone you share a name with?

My mom and aunt share a name and birthday, different years, she claims her insurance was canceled in 2018 because they thought she was my mom who died in 2016. Her insurance Risa asking for my moms death certificate to reinstate her . I assumed her ssn would be enough .

Ellen Cronin Badeaux
Ellen Cronin Badeaux answered on May 5, 2021

No, asking for death cert is normal.

1 Answer | Asked in Personal Injury and Insurance Defense for Georgia on
Q: Probation ordered person to leave inpatient detox to come to Aiken sc, could not leave for 3 weeks, overdosed and died

Person was in a court ordered drug program, relapsed (which is common in the beginning). Voluntarily checked themselves into a 5-7 day detox unit. Aiken SC probation made him leave the inpatient facility (where he was being given Ativan (or something similar), which stays in your system several... Read more »

Latrice Latin
Latrice Latin answered on Apr 28, 2021

I am very sorry for your loss and this is as very tricky situation. In most Personal Injury cases you need to prove liability, causation and damages. Here we have the damage portion which would be the resulting death. The hard part is placing the liability on someone and proving that they In... Read more »

1 Answer | Asked in Insurance Defense for Pennsylvania on
Q: If an auto insurance company sues me, will my auto insurance company cover those costs or do I?

I was in an automobile accident last year and I was deemed at fault. The other driver's insurance company paid to have the other driver's car fixed and is now suing me to pay them back for those costs. Will my insurance company cover those costs or will I need to pay the other insurance... Read more »

Timothy Kraeer
Timothy Kraeer answered on Apr 23, 2021

If the amount of damages to the other car exceeds your property damage coverage on your insurance policy, you will be responsible for the excess amount. For example, if your property damage limits were $10,000 and the repairs to the other vehicle were $12,000, your insurance will pay the $10,000... Read more »

1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Medical Malpractice for California on
Q: is there a whistleblower reward available for reporting insurance fraud in california?

a business is allowing a doctors office to “recruit” patients on its premises. one of the managers is receiving a referral bonus (cash) for every employee that goes and has any procedure (bonus is from the dr office not from the employer). on top of that the doctors office offering new... Read more »

William John Light
William John Light answered on Apr 22, 2021

Insurance fraud is a crime, so contact the police. You can also contact the Medical Board, which licenses and disciplines physicians.

You can also retain an attorney to file your own lawsuit against the medical providers under the Insurance...
Read more »

2 Answers | Asked in Insurance Defense and Traffic Tickets for New York on
Q: Hey I have gotten a no insurance and no registration ticket but the car wasn’t mines what can I tell the judge ?
Howard E. Knispel
Howard E. Knispel answered on Apr 22, 2021

While it sounds unfair, the law requires drivers to know that the vehicle they are driving is properly registered and insured. You can argue that it was not your vehicle, but you may be held responsible for driving an unregistered and uninsured vehicle.

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1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Ohio on
Q: I had been beneficiary on daughter life insurance she passed in June & her mama got all of it somehow, what do I do

We had purchased it together when my daughter was younger, 2 yrs ago her mama said she dropped it. I am having to pay all of my daughter's debts while her grandmother gets the life insurancepolicy

Matthew Williams
Matthew Williams answered on Apr 19, 2021

It's a little unclear what happened here, but it sounds to me like grandma bought a policy with you as beneficiary, later canceled that policy, and bought a new one with her as beneficiary. If that's the case, its her money. Were you paying any premiums? Do you have the policy documents?

1 Answer | Asked in Real Estate Law, Contracts, Products Liability and Insurance Defense for Georgia on
Q: I had all my water lines replaced about 10 months ago. I had a leak that ruined my floor. Am I liable or is the company

They replaced my pipes about 10 months ago and said they couldn't get to one area, so they just tied into the existing pipe. I discovered a leak about a week ago and they came to fix the problem yesterday. The fitting from where they connected to the old pipe burst and caused water damage and... Read more »

Michael D. Birchmore
Michael D. Birchmore answered on Apr 19, 2021

No way to know online and without an inspection. However, it would seem that the problem was the pressure brought in by the new line was too much for the old line to handle. Professionals should know this. Yet, it appears that you knew about it and gave your consent to proceed.

Read more »

1 Answer | Asked in Insurance Defense for Mississippi on
Q: Can I still take my insurance to court and it count, even though I got it two days before my court date?
Arthur Calderon
Arthur Calderon answered on Apr 18, 2021

It really depends on the judge. Some judges will toss out a charge if you've acquired insurance since the ticket, while others will oftentimes make their decision based solely on whether you had insurance at the time that you got the ticket.

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Maryland on
Q: i rear ended someone in MD and i was uninsured back in oct/2020 and the insurance company is trying to subrogate

the insurance company is trying to subrogate against me for almost 20k and are not willing to work out payment plans under $900+ per month, which i’m unable to afford. Also, the other driver was my neighbor at the time and he only had his bumper and tailgate replaced as a result of the accident,... Read more »

Mark Oakley
Mark Oakley answered on Apr 6, 2021

Bankruptcy. Talk to a bankruptcy attorney. You may qualify for a full discharge under Chapter 7 or a 3-5 year payment plan for a portion of the debt with small payments under a Chapter 13, and then discharge the balance. If the insurance company hasn't obtained a court judgment against you... Read more »

2 Answers | Asked in Traffic Tickets, Car Accidents and Insurance Defense for Illinois on
Q: I'm uninsured and someone lets me drive their car also is uninsured, i got into totaled the car, i do i have to pay?

got into an accident and totaled the car*, is it required to pay them?

Randy Bryan Ligh
Randy Bryan Ligh answered on Apr 5, 2021

If you are at fault in the accident and do not have insurance, then the victim or other party's insurance company very well may make demand on you and/or sue you for the damages. Also, it may impact your driving privileges. Depending on your financial situation, you may want to consult a... Read more »

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