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New York Insurance Bad Faith Questions & Answers
1 Answer | Asked in Insurance Bad Faith for New York on
Q: Is it illegal for grandmother to keep insurance cards if I’m 19?

So I live with my grandmother. I’m 19 years old and moving out in august. She loves having control of everything! The thing is she has my insurance cards and refuses to give them to me. I’m going to need them when I move out. My college requires me to have my own insurance and I would like to... Read more »

Tim Akpinar
Tim Akpinar answered on Jul 7, 2021

One option might be to contact the insurance carrier to request duplicate cards. Good luck

Tim Akpinar

1 Answer | Asked in Consumer Law and Insurance Bad Faith for New York on
Q: 1. How to find life insurance company's divisible surplus for last 15 to 30 years? 2.by insurance class? $0 div?

year 1968 participating $5,000 whole life policy. no dividends for last 15 years. Prior to that, div increased each year (to $96) then decreased in the next 4 yrs to zero; for 12 yrs $0 , however cash value increased each yr ($3,900 currently and increases a small amount each yr), no loans ,... Read more »

Jonathan David Warner
Jonathan David Warner answered on May 31, 2021

I'd recommend looking into New York's State's Unclaimed Funds registry, which can be found by clicking on this link:

https://www.osc.state.ny.us/unclaimed-funds

If you're entitled to funds that are unclaimed, they might be held by the State in escrow.

Good luck with your case!

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 »

1 Answer | Asked in Insurance Bad Faith for New York on
Q: Hedgepeth v Home Savings and Loan Assoc 361 S.E 2d 888 ( NC App. 1987) Please briefly describe what occurred in the cas
Tim Akpinar
Tim Akpinar answered on Nov 12, 2020

There is a resource on the case here on the Justia site. Enter the following page link in your browser:

https://law.justia.com/cases/north-carolina/court-of-appeals/1987/8715sc224-1.html

Good luck

Tim Akpinar

1 Answer | Asked in Insurance Bad Faith for New York on
Q: An insurance company we were with for 11 years quadrupled our homeowners premiums during this time Is this legal?

We Filed a couple of homeowners claims several years back and they kept exorbitantly upping our premiums year after year Annually I would call them and ask what could be done to better our rates. They offered nothing. our Renewal policies came in through the roof For oct 2020 so we decided to... Read more »

Tim Akpinar
Tim Akpinar answered on Sep 29, 2020

Multiple claims could cause a significant rise in premiums. In terms of the other matter, you may need to review the file with an attorney in terms of the basis for the retroactive assessment - whether stemming from representations upon which their underwriters assessed the risk. Based on the... Read more »

1 Answer | Asked in Insurance Bad Faith for New York on
Q: Hello i need to sue an international health insurance company located in Britain and works here in NYC?

They declined covering me each and every time i need medical service claiming all are preexisting conditions without adequate proof?

Tim Akpinar
Tim Akpinar answered on Jul 2, 2020

I'm sorry that your procedures were denied. There wasn't a question, but a starting point for your situation could be to start contacting attorneys who handle health insurance claim disputes. Depending on the policy, there could be provisions for appeals. Good luck

Tim Akpinar

1 Answer | Asked in Health Care Law, Insurance Bad Faith and Landlord - Tenant for New York on
Q: What is a landlords responsibility if a tenants apartment is uninhabitable due to health violations?

My bathroom ceiling is dripping meriatic acid due to an upstairs neighbor pouring it down the drains. The entire apartment filled with smoke due to the chemical reaction when in contact with metal. What is the protocol for a situation like this? Is it the landlords responsibility to provide us with... Read more »

Gregory Byrnes
Gregory Byrnes answered on May 13, 2020

Your landlord should fix the issue. Your first step should be to let your landlord know so they can fix it.

2 Answers | Asked in Insurance Bad Faith for New York on
Q: My wife's health insurance was cancelled because she missed three payments. She has pancreatic cancer.

My wife's condition is dire. She is in near constant pain and takes a lot of morphine. Novavirus restrictions have added to the anxiety. The insurance company has to make an exception in her case. Can you help?

Michael David Siegel
Michael David Siegel answered on Apr 20, 2020

If you qualify for Medicaid, you can apply for that. You can also sign up for Obamacare exchange coverage at New York State of Health. But you are going to have to pay.

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2 Answers | Asked in Insurance Bad Faith for New York on
Q: Where do I even start with a bad faith claim against my car insurance company?
William P. Lalor
William P. Lalor answered on Dec 7, 2018

Bad faith law is governed by state law. Depending on your jurisdiction there may be avenues to pursue through the state or ultimately through litigation. Many insurance lawyers will speak with you at no cost to give you some idea of your options and avenues to pursue.

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1 Answer | Asked in Insurance Bad Faith for New York on
Q: What is third party bad faith and how does it relate to an insurance company?
Tim Akpinar
Tim Akpinar answered on Oct 29, 2018

Third-party bad faith consists of actions on the part of someone else’s insurance carrier. It is distinguished from first-party bad faith, where the conduct involves someone’s own insurance carrier.

Tim Akpinar

1 Answer | Asked in Insurance Bad Faith for New York on
Q: My insurance company won't reimburse the whole amount of my loss, even though it's within the scope of my policy. What

can I do?

Tim Akpinar
Tim Akpinar answered on Sep 15, 2018

It isn’t stated what type of loss the non-reimbursement involves, or if non-payment involves a deductible. In some cases, when an insurance carrier issues a denial, it lists available options. These include litigation, arbitration, or complaint with the Department of Insurance. In other cases, a... Read more »

1 Answer | Asked in Insurance Bad Faith for New York on
Q: If my claim has been approved how long does my insurance company have to pay me after a car accident?
Tim Akpinar
Tim Akpinar answered on Sep 4, 2018

If by approved you mean that there is a court order by a judge, the order could stipulate a time period for payment. If you mean settled, then it could depend on how quickly third-party liens (if applicable) are identified and lienholders (medical providers, government agencies that paid health... Read more »

1 Answer | Asked in Contracts and Insurance Bad Faith for New York on
Q: I have had a whole life insurance policy now for over 25 years.

My agent has now retired since. Now the agent assigned to me gives me a call and says the cost of insurance has gone up and there is going to be a change in my premium. I thought you paid 1 amount for whole life and that never changes. Why now after my first agent retires I get a call asking for... Read more »

Michael David Siegel
Michael David Siegel answered on Aug 20, 2018

Your policy governs. Call the actual insurance company. Ask for the legal counsel's office.

1 Answer | Asked in Insurance Bad Faith for New York on
Q: My father died almost three years ago and his home where I lived and rental properties were in trust and transferred to

me ...I have been paying homeowners on all and it has come to my attention that the agent did not put my name on the policies ...is she liable for not correcting this and can I get the money I paid in premiums on policies that she still kept in my fathers name for some reason reimbursed to me..I... Read more »

William P. Lalor
William P. Lalor answered on Jul 24, 2018

I don't fully understand your situation, but if there was an underwriting mistake or omission, whether because of the agent or otherwise, as a result of which you are not an insured when you ought to have been an insured, you might have avenues to pursue.

1 Answer | Asked in Criminal Law, Insurance Defense, Consumer Law and Insurance Bad Faith for New York on
Q: I think I have been in a car insurance scam.

Car insurance rep collecting the money but Insurance company says i have no insurance and owed money.

Michael David Siegel
Michael David Siegel answered on Apr 27, 2018

Report it to the New York State Attorney General ASAP.

1 Answer | Asked in Contracts, Insurance Bad Faith and Insurance Defense for New York on
Q: After I left the company my insurance was backdated so I was no longer covered with no offer of Cobra. What’s next?

I already went under a procedure and I received no written notification of this nor was their any paperwork describing benefits or what happens after you leave the job. I had a verbal agreement (and some texts) with the manager saying I at least had a month but now I have a bill over $2,000. I... Read more »

Michael David Siegel
Michael David Siegel answered on Feb 17, 2018

You have a claim against your employer. For $2000 it is small claims. You can bring it yourself.

1 Answer | Asked in Insurance Bad Faith and Consumer Law for New York on
Q: Hhubby wants toup his life insurance payment from $87 a month to $250. Badidea or not. Were just getting by

Hubby says this rate will lock in forever.

He's 65 now

Ali Shahrestani, Esq.
Ali Shahrestani, Esq. answered on Jul 18, 2017

Talk to a financial advisor. More details are necessary to provide a professional analysis of your issue. The best first step is an Initial Consultation with an Attorney such as myself. You can read more about me, my credentials, awards, honors, testimonials, and media appearances/ publications on... Read more »

1 Answer | Asked in Insurance Bad Faith for New York on
Q: Is there a New York law preventing insurance " bait and switch"?
Ali Shahrestani, Esq.
Ali Shahrestani, Esq. answered on Jul 8, 2017

You can report insurance violations to the NY Dept of Insurance. More details are necessary to provide a professional analysis of your issue. The best first step is an Initial Consultation with an Attorney such as myself. You can read more about me, my credentials, awards, honors, testimonials, and... Read more »

1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Consumer Law for New York on
Q: Removing son in law from Geice car insurance

Geico informed my husband that once he submits his son paycheck with a new address, they will remove him. Now they are saying he resides to close to our address, what legal language is needed to have Geico car insurance remove him. He doesn't live with us since August 2016, he has NC drive... Read more »

Ali Shahrestani, Esq.
Ali Shahrestani, Esq. answered on Mar 27, 2017

Review your situation and insurance contract with a lawyer. More details are necessary to provide a professional analysis of your issue. The best first step is an Initial Consultation with an Attorney. You can read more about me, my credentials, awards, honors, testimonials, and media appearances/... Read more »

1 Answer | Asked in Insurance Bad Faith and Car Accidents for New York on
Q: I financed a car got full coverage from gieco i had an accident and now gieco says i never had insurance for collision

Ive called gieco to find out why this is and how i could have gotten car out of dealer if it wasnt full coverage,they havent got back to me

Ali Shahrestani, Esq.
Ali Shahrestani, Esq. answered on Feb 4, 2017

Review your insurance documents and agreements, especially your declarations page and related payment receipts. The best first step is an Initial Consultation with an Attorney. You can read more about me, my credentials, awards, honors, testimonials, and media appearances/ publications on my law... Read more »

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