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Insurance Defense Questions & Answers
1 Answer | Asked in Insurance Defense and Personal Injury for Florida on
Q: Would the HOA’s insurance in the condo that I own a rental refund me if I paid for the damages done by hurricane Ian?

My rental was damaged by hurricane Ian and I had renters living there and decided to break the lease because of the damages and I started arranging to have the inner walls fixed and paid upfront $5000, however after the fact the Condo HOA informed me that their insurance will cover the inside... View More

Tim Akpinar
Tim Akpinar
answered on Oct 26, 2022

A Florida attorney could answer best, but your question remains open for two weeks. They might not be dodging your question - they simply might not know. In these settings, it isn't in the policyholder's (your HOA) hands. It's up to the insurance carrier. Some carriers want their... View More

1 Answer | Asked in Consumer Law, Car Accidents and Insurance Defense for Kentucky on
Q: Vehicle was deemed a total loss, but I want to buy back the vehicle. I still owe on the loan.

The total settlement number they gave me would be more than I owe, but the salvage price to keep the vehicle would make the new amount less. I understand that would leave me with the remaining loan balance. Adjuster told me that they won’t release any funds until the loan is paid in full. I was... View More

Tim Akpinar
Tim Akpinar
answered on Mar 28, 2024

A Kentucky attorney could advise best, but your question remains open for a week. You'll probably need to go through the figures with them in more detail than is possible here. But the basic principle is that keeping the vehicle will reduce the payment. If a vehicle is old and low value, it... View More

Q: What happens if I didn't waive my right to a speedy trial and its been over 90 days?

Does case become dismissed?

James L. Arrasmith
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answered on Mar 26, 2024

If you haven't waived your right to a speedy trial and it has been over 90 days, the situation may vary based on the laws in your jurisdiction and the specific circumstances of your case. Generally, the right to a speedy trial is protected by law to prevent undue and lengthy pretrial... View More

1 Answer | Asked in Real Estate Law, Insurance Bad Faith and Insurance Defense for Louisiana on
Q: My metal roof was damaged (color) by a cleaning business. The company has insurance that denied the claim.

Company owner sued his own insurance co and lost in a judgement. Where do I stand now? Do I sue his insurance also? Sue him personally? It’s been about 2.5 years

Tim Akpinar
Tim Akpinar
answered on Mar 21, 2024

A Louisiana attorney could advise best, but your question remains open for three weeks. An attorney could advise more definitively with more information about the basis of the denial. One option might be to review the denial with a local attorney, and also learn of applicable statutes of... View More

1 Answer | Asked in Foreclosure and Insurance Defense for Texas on
Q: Can i buy a title insurance policy for a deed in lieu of foreclosure in Texas? I am the owner finance lender.
John Michael Frick
John Michael Frick
answered on Mar 11, 2024

Yes, you can legally buy a title insurance policy.

1 Answer | Asked in Insurance Defense for New York on
Q: Insurance company total payout was $12,460.Lawyers sent me paperwork saying 10,000 they settled at , what about the2,640
Tim Akpinar
Tim Akpinar
answered on Mar 8, 2024

You could ask your attorney what the deduction is for. No one here could know what your attorney's out-of-pocket expenses were, but these could include index no. if your case was placed into suit, medical records requests, and other costs. If the case involved liens of any kind, those could... View More

1 Answer | Asked in Health Care Law, Insurance Bad Faith and Insurance Defense for Louisiana on
Q: Blue Cross Blue Shield has been sending me someone else's mail for years. I told them to stop. Can I sue?

After years of dropping it in the slot marked "mail that's not yours," I finally called them to report it. I answered questions over the phone. They sent me a document, which I signed and returned stating I don't have any of the documents and haven't opened them. Also I... View More

Tim Akpinar
Tim Akpinar
answered on Mar 7, 2024

A Louisiana attorney could advise best, but your question remains open for a week. It doesn't sound like a case, for practical purposes. What damages did you suffer? This is only an individual opinion. Different attorneys could see the same matter differently. You could reach out to local... View More

1 Answer | Asked in Insurance Defense for Tennessee on
Q: Will my spouse go to jail for failure to maintain insurance in Christian county, KY?

He was pulled over for speeding. He did not have a physical copy of his ID but did provide a phone picture of front and back. He has his registration. We renewed the insurance immediately and the cop said we would get a warning if the agent confirmed it. He changed his mind and gave him a court... View More

Anthony M. Avery
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answered on Mar 6, 2024

Post your query in KY. It sounds like a good attorney in KY can get them dismissed in Court.

1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Traffic Tickets for South Carolina on
Q: Can an insurance company deny my wife insurance because of my driving record?

My license is suspended, Nobody wants to insure my wife

Tim Akpinar
Tim Akpinar
answered on Feb 25, 2024

A South Carolina attorney could advise best, but your question is remains open for four weeks. One option might be to check with the South Carolina Dept of Insurance, as well as entities that oversee consumer rights. Good luck

2 Answers | Asked in Insurance Bad Faith and Insurance Defense for Tennessee on
Q: Hello, Is it necessary to list insurance policies in a living will or poa?
Anthony M. Avery
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answered on Feb 12, 2024

You need to talk to an attorney. Neither a living will nor a poa have anything to do with devising and bequeathing property at death.

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1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Tennessee on
Q: My auto insurance company did a non renewal without giving me any notice. What are my options? I am In Tennessee.
Anthony M. Avery
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answered on Feb 6, 2024

No legal options. Carrier can contract with or not. Get insurance elsewhere.

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Missouri on
Q: On a stolen car claim, Are car insurance agents legally allowed to talk to and/or make decisions with anyone besides me?

Car was stollen, made a claim with insurance company, police found stollen car around 10 days later. Communication was very difficult with this agent, never answered phone calls, provided details, hardly returned phone calls ect. Anyways my boyfriend ended up calling her and leaving a and stern... View More

Tim Akpinar
Tim Akpinar
answered on Jan 25, 2024

A Missouri attorney could advise best, but your question remains open for two weeks. Until you are able to consult with a local attorney about state-specific laws that could be applicable, insurance companies nationwide do proceed with investigations on claims, and sometimes escalate to their... View More

1 Answer | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Texas on
Q: If you get into an accident and one person is at fault, is it necessary for both people to exchange insurance?

If you have a link to a source that answers this question or supports the answer, it would be super helpful.

Joel Gary Selik
Joel Gary Selik
answered on Jan 19, 2024

Yes both must exchange information. For example consider Texas Transportation Code Chapter 550

1 Answer | Asked in Personal Injury and Insurance Defense for New York on
Q: Must a subpoena include "the annexed document" referred to in the subpoena? This is NY, the Supreme Court.
Jonathan R. Ratchik
Jonathan R. Ratchik
answered on Jan 8, 2024

A subpoena needs to describe the document or item requested with sufficient particularity as to enable the party served with the subpoena to produce the document or item. It does not need to include a copy of the document referenced in the subpoena itself.... View More

1 Answer | Asked in Criminal Law, Civil Rights, Domestic Violence and Insurance Defense on
Q: What lawyer do I get to sue Yolo county highway patrol? And U-Haul?

In May 2022 my ex-fiance and I were driving out to Capay,CA. To buy a vehicle. After arriving he started siphoning the gas out of the U-Haul to the car& hood was open to the U-Haul to jump the vehicle. In the middle of all this he started crying for some reason saying, I was having an affair... View More

James L. Arrasmith
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answered on Jan 6, 2024

For your situation, which involves potential legal issues with law enforcement and a private company, you would benefit from consulting an attorney experienced in civil litigation, particularly one who handles cases involving law enforcement actions and disputes with companies like U-Haul. The... View More

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Colorado on
Q: My insurance is requesting all bank, phone , text and social media records. Do I have to do this?

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

Tim Akpinar
Tim Akpinar
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

1 Answer | Asked in Insurance Defense and Probate for New Mexico on
Q: If my parents died n they both had life insurance policies but the probate is already done with but we never got any in

Information on who were the beneficiarys on anything

Tim Akpinar
Tim Akpinar
answered on Jan 2, 2024

A New Mexico attorney could advise best, but your question remains open for four weeks. I'm sorry for the loss of your parents. Until you are able to consult with a local attorney, you could contact the insurance company and ask about the policies. Good luck

1 Answer | Asked in Traffic Tickets and Insurance Defense for Oklahoma on
Q: I got a ticket for no insurance and the day after I got insurance taken care off but I have a mandatory court date
Tim Akpinar
Tim Akpinar
answered on Dec 27, 2023

An Oklahoma attorney could advise best, but your question remains open for two weeks. Unfortunately, the insurance coverage is not retroactive. You would need to defend or discuss with an attorney defending the ticket/charge. Good luck

1 Answer | Asked in Consumer Law and Insurance Defense for Pennsylvania on
Q: I paid 7,450.00 + for OOP expenses IBX. My large hospital bill randomly audited to say I paid 0. I'm out cash. No reaso

a

Tim Akpinar
Tim Akpinar
answered on Dec 20, 2023

A Pennsylvania attorney could advise best, but your question remains open for two weeks. If you have proof of payment, such as banking records, present it to them. You could ask them to rectify the error. If this is not productive, you could consult with a local attorney to outline your options.... View More

1 Answer | Asked in Insurance Defense for Texas on
Q: My car was taken vy my insurance company in 2022 and now yesterday they tell me I can pick up my car mind u I didn't

Know where my car was and now they are saying I have to 3300 to get my car back

Tim Akpinar
Tim Akpinar
answered on Dec 19, 2023

A Texas attorney could advise best, but your question remains open for three weeks. From the post, it isn't fully clear how the charges materialized - does it involve deductible, subrogation claim, etc. If they included documentation, one option could be to review with a local attorney. Good luck

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