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I am assisting a customer who is a Realtor, and they are curious about why they might be advised to purchase their own General Liability and E&O insurance policies if they are already covered under their Broker's policies. They want to understand the benefits or situations where having... View More 
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answered on Mar 12, 2025
Even though your broker provides some coverage, having your own General Liability and Errors & Omissions (E&O) insurance offers valuable extra protection. Broker policies typically cover many agents, so limits can quickly be exhausted if multiple claims occur. Having your own policy ensures... View More
I was involved in a car accident where I hit high-pressure water pipes near a corner at a high school. Initially, no other cars were damaged, and we warned vehicles not to proceed. However, after us, several cars drove forward, guided by a school crossing guard, resulting in nine cars being damaged... View More
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answered on Mar 12, 2025
Based on the details provided, your liability may be significantly reduced because you actively tried to prevent additional harm by warning other drivers. California follows comparative negligence principles, meaning responsibility can be shared among multiple parties. Since a school crossing guard... View More
I have an owner's title policy, and I initially designated a third party to communicate with the title insurance company on my behalf, as they are most familiar with the title concerns and filed the claim for me. Although the title claims agent initially accepted this arrangement, they later... View More
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answered on Mar 7, 2025
Yes, you generally have the right to designate a third party to communicate with your title insurer on your behalf in California. This right falls under basic agency principles and is supported by California insurance regulations that allow policyholders to appoint authorized representatives. Your... View More
I received a letter today from an insurance company claiming that I was found at fault for an 'accident' that happened three months ago at a car wash. I had to brake to avoid a roller that was about to hit me, which led to a car hitting me, and a third car hitting the second car. There... View More
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answered on Mar 6, 2025
You should respond to the insurance company by requesting complete documentation of the claim, including proof of damages paid, repair estimates, and the date of repairs. Ask them in writing to provide evidence that connects any current damage to the specific incident three months ago at the car... View More
I was involved in a car accident on February 1, 2024, which my insurance company says was my fault, but I disagree. I didn't dispute their decision at the time, and now they say I can't contest their fault determination anymore. The claimant is asking for $195,000, but my insurance policy... View More
answered on Mar 2, 2025
Yes, you can. My guess is that they're going to pay up to the policy limits, and that they made a decision it doesn't make financial sense to invest the investigative resources to make a detailed determination. Gather your evidence to support your position, as my colleague correctly... View More
I was in an auto accident resulting in severe injuries and a counter-suit against me. There have been communications regarding limited insurance funds currently held by the court. I have submitted responses to interrogatories, special interrogatories, and RFPD, and I also sent interrogatories to... View More
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answered on Feb 28, 2025
In California, you generally can file a motion to request access to insurance funds held by the court before trial, especially if liability coverage is limited and multiple parties have claims. Such a motion is often referred to as a motion for disbursement or interpleader funds, depending on the... View More
While at a stop light, my car rolled slightly and scratched the car in front of me, causing minimal damage. The other party is now claiming $250,000 for bodily injury and loss of enjoyment of life. My insurance is reviewing the claim and suggested I might need to hire a lawyer. There is no... View More
answered on Feb 25, 2025
There is nothing to do now except allow your insurer to handle the claim. Attempts to transfer assets into other names will be deemed fraudulent. Further, based upon your description, such efforts are completely unnecessary. The amount for which a case settles compared to the original settlement... View More
I am a claimant involved in a situation where a second-party adjuster, supposedly acting on behalf of a security guard company's carrier, reached out to the business owner of a restaurant I was at. This adjuster claimed to be opening a claim on behalf of the security guard company mentioned in... View More
answered on Feb 23, 2025
You can hire an attorney to help resolve your dispute with the security guard company, or file a complaint with the superior court over what ever your dispute is with the security company. If an an adjuster for an unlicensed insurer or adjusting company is engaged in attempting to investigate or... View More
I have comprehensive coverage on my car, which promises market value replacement for theft. However, after my car was stolen during transport from California to New York, my insurance company is looking to possibly limit liability to $50,000 instead of paying out due to theft. We hired two... View More
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answered on Feb 22, 2025
It sounds like you’re dealing with a complicated situation, especially with the confusion about your insurer's actions and the involvement of multiple parties. Normally, comprehensive insurance covers theft, regardless of where it happens, including during transport. However, some policies... View More
I jointly owned a home in California with someone who has passed away. I was notified six weeks after their death. Although I did not live in the home, I discovered someone moved in and caused damage to the property. The insurance adjuster confirmed that repairs are covered, and a check will be... View More
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answered on Feb 21, 2025
A probate attorney can first review the deed to determine whether you are now the sole owner of the home or a co-owner with the decedent’s estate. If you are a co-owner then a probate can be opened to get that share transferred to the decedent’s heirs. If no heirs come forward to run the... View More
I was recently in an accident right after crossing the border from Mexico into the US, where someone hit my car, causing damage. We did not file a police report, but the other driver gave me their insurance information. How should I proceed with both insurance companies to address the damage to my... View More
answered on Mar 5, 2025
If liability is solely on the other party, the two of you should be able to handle things solely through the other side's insurance. If the other side gave their carrier a statement, and the carrier is satisfied with the account of the accident, they could work with you - that would probably... View More
I was riding in an Uber car when it was involved in an accident, resulting in some minor scrapes and bruises. The police were involved, but I didn't provide a statement as I wasn't driving. I didn't seek hospital treatment due to the minor nature of my injuries, and I'm unsure... View More
answered on Feb 17, 2025
On the one hand... if you didn't understand Uber's "communication" you should probably consult with a lawyer. On the other hand... if your injuries are so minor that you didn't seek medical attention, then the value of your claim is minimal. Uber will probably make a... View More
I was rear-ended about a week ago on I-5 during a traffic jam, which resulted in back pain. I have received medication and might need therapy, according to my doctor. The other driver's insurance company contacted me to give a statement about the accident. Should I provide the statement to them?
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answered on Feb 13, 2025
It’s generally not advisable to give a recorded statement to the other driver’s insurance company without first consulting an attorney. Insurance adjusters often look for ways to minimize their company’s liability and may use your words against you to reduce or deny your claim.
If you... View More
My parents died in an accident we were in abs their insurance wants to take the settlement amount I received from the at fault driver out of their settlement they are saying the driver was underinsured that’s why. It is for a wrongful death settlement they said it’s the law they have to take... View More
answered on Feb 11, 2025
If you have a wrongful death case, and you don't have an attorney, you are being foolish. If you have an attorney, ask him this question. If you are making a claim against your parents underinsured motorist coverage, then yes, amounts paid by the at fault driver's insurance are... View More
I was involved in an accident last year and I was not at fault. I have a police report and have notified the other party's insurance however they have not been helpful. I have called and left multiple messages but it's almost a year and I have not received no call in return. Since the... View More
answered on Jan 26, 2025
The insurance company for the other driver owes you nothing until you get a judgment against its insured. If your car was damaged, get estimates for repair and for rental car during the period of repair. You can also contact a car appraiser to get an estimate of the diminution in value to the the... View More
Theres more to the story but Since June 6, 2022, I’ve filed multiple DMHC cases, including Case #1219942, regarding Santa Clara County’s failure to address grievances and comply with health plan laws. I have Asperger’s Syndrome, am homeless, and suffer from ongoing health issues, including a... View More
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answered on Jan 15, 2025
Based on the details you've shared, you may have grounds for legal action against Kaiser and related entities, particularly given the documented pattern of negligence and unaddressed grievances since 2022. Your situation involves multiple serious issues: inadequate medical care,... View More
Is legal action applicable here? The statements are confusing and vary in amounts owed. When I've called the billing company which is separate from the doctors office, they don't answer the phone and they do not get back to me after voicemails. This gave me no option but to use the online... View More
answered on Jan 10, 2025
Your frustration is understandable. It could be worth discussing with your insurance carrier. As a general matter, they do not like to get involved in the collection aspect of bills through private third-party billing and collection companies. However, reputable insurance companies do want to... View More
and Amazon $288 every week for Amazon Imputed when App show was pnly $88 only and I kind want to quit Amazon for take $288 and The phone App lie
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answered on Dec 8, 2024
It sounds like you're having trouble with insurance charges through Amazon, specifically regarding a discrepancy between the $88 shown in the app and $288 being deducted weekly for "Amazon Imputed" insurance charges since August 2024.
You should immediately contact Amazon HR... View More
Our 21 lb dog bit an uber eats driver on the calf piercing his skin and he and his attorney are seeking compensation over insurance limits. Our insurance company sent us a declaration of assets, insurance and employment under penalty of perjury to complete with the policy limit settlement to send... View More
answered on Nov 18, 2024
You don't have to disclose your assets, other than insurance limits, even during litigation, unless punitive damages are sought.
No one was hurt although the minivan spun several times it had to be towed away. It was a family on vacation and the minivan belongs to a rental company. I have no information from them and don't know what do I do? Also my car is a salvage title with no insurance and no registration but I do... View More
answered on Nov 23, 2024
It could depend on how aggressively the other side's attorney and authorities want to press those issues. If the other side chooses to bring a case, it could depend on how it would be handled. Some plaintiff attorneys assess an accident case in a matter-of-fact approach, seeing it solely in... View More
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