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Insurance Defense 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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3 Answers | Asked in Estate Planning, Family Law, Health Care Law and Insurance Defense for Florida on
Q: My father recently passed away after a 3 weeks in the hospital. During that time, the hospital tried to get him approved
Nina Whitehurst
Nina Whitehurst answered on Sep 14, 2021

Approved for what? You should repost your inquiry with more information.

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1 Answer | Asked in Contracts, Personal Injury, Insurance Defense and Small Claims for California on
Q: If loaner company knew I had a nonowners insurance policy does that mean they are held liable for any damage done tocar

They didn’t offer additional coverage, knew I had nonowners & loaned a vehicle. Vehicle was damaged & nonowner policy won’t cover it saying they should’ve never let me drive away with it. Am I responsible for the damages to the car? Or are they because of negligent entrustment?

Maurice Mandel II
Maurice Mandel II answered on Sep 11, 2021

Normally "negligent entrustment" is when someone entrusts property to a third person who then injures you. Claiming to be the incompetent person to whom the property was entrusted is an interesting legal theory but it may not fly in court. You don't say how the car was damaged.

1 Answer | Asked in Insurance Defense for Michigan on
Q: Hit by insurance less driver cartotaled Trying to sue but can’t find the lady now as it appears she moved. What do I do

My wife was hit from behind by an insurance less driver about 6 months ago. We decided to sue as my wives car was totaled. The person who hit us appears to have moved and after about 3 attempts to have her served we’ve had no luck. The total damages equal about 4K and we had to take out a loan... Read more »

Brent T. Geers
Brent T. Geers answered on Sep 1, 2021

You need to talk with a civil attorney who deals with auto insurance. I'm not sure you have much recourse other than through "mini tort", which is limited to your deductible.

One other thing to keep in mind is that if this woman had no insurance and is now no where to be...
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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 Defense for Alabama on
Q: Can I keep my vehicle after it is deemed a total loss and payed out by the insurance company?
Nelson Craig Johnson
Nelson Craig Johnson answered on Aug 24, 2021

That will be determined as part of your settlement. If you have not accepted a property settlement offer you can negotiate to keep the vehicle. They will likely reduce their offer by what they assess the salvage value of the vehicle to be.

2 Answers | Asked in Estate Planning, Real Estate Law and Insurance Defense for Georgia on
Q: Can a Remainderman purchase their own dwelling homeowner insurance policy to cover and protect interest

Life estate tenant has own homeowner dwelling policy, listed as insured full dwelling coverage on home and property, but remainder men are not covered at all. Is it legal that we can purchase our own policy to protect our interest?

Anthony M. Avery
Anthony M. Avery answered on Aug 23, 2021

There is nothing illegal about the remaindermen being insured for property loss. But you will have to carefully find a willing insurance company that will inure a dwelling in which there is an occupany that is not the insured. When you get the policy, read it.

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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 »

1 Answer | Asked in Car Accidents, Civil Litigation and Insurance Defense for California on
Q: I accidentally let go of the brake in my car causing it to hit the gate of the parking structure, is that a hit and run?

The manager & owner of the apartment complex want to call the police and say it is a hit & run. I offered to pay for the repair, but they don't want to do it that way. What should I do?

Dale S. Gribow
Dale S. Gribow answered on Aug 2, 2021

if while driving your car you cause damage you have to leave word on how to contact you.

Yes, technically it is a Hit and Run.

i assume your position is that you didn't see any damage and would not have known who to contact.......unlike hitting a car and leaving a note for the...
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1 Answer | Asked in Criminal Law, Traffic Tickets and Insurance Defense for North Carolina on
Q: I have been charged today (citation) for driving at 85mph on an highway with 65mph limit, lincoln county NC.

I am 26 living in NC and I don't have a single traffic ticket or violation so far and clean on my criminal records. Today I got a speeding citation(GS 20-141(J1)) on highway for driving 20mph over the limit of 65mph and was given court date. I am worried if this will impact my career since as... Read more »

Charlie Gray
Charlie Gray answered on Jul 30, 2021

Most counties reduce speeding tickets to give people an incentive to go ahead and take care of them. Technically, speeding at a high enough speed is treated as a criminal charge and, if convicted, would show up on a background check. Getting it reduced would address this and is usually how traffic... Read more »

1 Answer | Asked in Car Accidents, Insurance Defense and Traffic Tickets for Illinois on
Q: I have a car with insurance but my brother drove my car with a revoked license. I was not aware. Will I be covered?

He drove my car while I was out of the country. Just waiting for my insurance to call back.

Charles Candiano
Charles Candiano answered on Jul 26, 2021

It depends on your carrier. Your insurance only covers "licensed drivers." Given that his license was revoked, your brother was NOT a licensed driver. Any carrier could use such an opportunity to legitimately deny a claim. That you were unaware is irrelevant unless he stole the car.... Read more »

1 Answer | Asked in Employment Law, Appeals / Appellate Law, Civil Rights and Insurance Defense for Idaho on
Q: I am having major issues with the idaho dol And am looking for representation. How do I get representation?

No one responds. No one will help. There are hundreds that that need help and no one gets back to us.

Tim Akpinar
Tim Akpinar answered on Jul 25, 2021

An Idaho attorney could advise best, but your question remains open for three weeks. I'm sorry for your ordeal - one option could be to search for attorneys online, or you could use the Find-a-Lawyer tab above. Your post covers a number of different categories, but you mention the Department... Read more »

1 Answer | Asked in Civil Litigation, Insurance Bad Faith and Insurance Defense for Florida on
Q: Do I have recourse against my insurance agent?

I was having trouble getting my older boat insured. My friend/agent said he would probably just put his name on it so we could get it insured. Mind you, he has nothing to do with the boat nor has he invested in it. He strictly put his name on it to get it insured. The boat sank. Insurance company... Read more »

Bruce Alexander Minnick
Bruce Alexander Minnick answered on Jul 6, 2021

Reading between the lines I have a feeling that your "friend/agent" works for the insurance company; am I right?

If so you can file a complaint against your agent with the Department of Financial Services, Division of Insurance Regulation.

1 Answer | Asked in Car Accidents and Insurance Defense for Georgia on
Q: I was in an accident where an 18 wheeler ran a Stop sign running me off road. He ran. Will my insurance go up? Not at f

The 18 wheeler left the scene to avoid repercussions. The accident was ruled not at fault. Will my insurance go up as a result? The damage was around $3300 charged to my insurance with a diminished value claim as well.

Tim Akpinar
Tim Akpinar answered on Jul 2, 2021

A Georgia attorney could advise best, but your question remains open for two weeks. But ANY attorney might not have a universal answer because the way these are treated can vary by carrier. It's in your favor that you were not the at-fault driver so far as liability goes - that would be more... Read more »

1 Answer | Asked in Personal Injury, Car Accidents, Insurance Bad Faith and Insurance Defense for Pennsylvania on
Q: Does my Uninsured/Underinsured Motororist coverage apply if a motorist hits me while I'm riding my bike? [Pennsylvania]

Hi,

I'm shopping around for Auto Insurance in PA; considering Progressive. I also like to ride bike. Hopefully, I'd never need it, but if a motorist injures me while I'm riding bike and they are at fault, would I be covered by Uninsured/Underinsured Motorist Coverage... Read more »

Peter N. Munsing
Peter N. Munsing answered on Jul 1, 2021

Short answer yes. Uninsured underinsured covers you if the driver running into you has no insurance or too little. If you have more than one car in your household get "stacking" --the best deal in car nsurance. It multiplies the coverage you had for UM/UIM by the number of cars, and... Read more »

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 »

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