Get free answers to your Insurance Defense legal questions from lawyers in your area.
I experienced a total loss of my vehicle, but my gap insurance is refusing to pay the claim because I filed it a year later. I initially thought the dealership would handle it automatically with the credit union that financed my car, as they didn't instruct me about the process. Now, the... View More 
answered on Jun 19, 2025
The gap insurance carrier is a completely separate company from the dealership, and the dealership is not your agent. The way to address the situation is to bite the bullet and contact the law firm that filed the lawsuit (or the credit union directly if the credit union filed the lawsuit on its... View More
While I was asleep at my baby daddy's house, he took my car without permission and crashed it. He doesn't have a driver's license and isn't on my insurance. The police, who arrived at the crash scene, told me that it's a civil matter and I can't report the car as... View More
As a licensed psychologist in Florida, I am dealing with a situation where a parent, who is a legal guardian, is insisting on receiving all therapy records, including notes, for their teen child. I am concerned because the disclosure of these notes could cause the child psychological or physical... View More
answered on Jun 18, 2025
Do what you think is right. Make them get a court order if they want more than you are willing to give. Your client has confidentiality rights, even from a parent. Speak with a local attorney for more specific advice.
I am the sole member of an LLC that owns a condo in Miami Beach, FL. I want to transfer the property from the LLC to my name. The condo has no liens or mortgages. I've faced difficulties in obtaining condo insurance under the LLC and cannot take advantage of real estate tax discounts. The... View More
answered on Jun 17, 2025
Generally, there are 2 steps that would need to be completed from a procedural stand point for the transfer. #1 Review the COAs governing documents to identify what requirements are needed for transfer. Usually, you will need COA approval to transfer ownership interest. So make sure to comply with... View More
I rented a car on Turo and initially had no issues. However, hours after returning the car via remote check-in, I received an email claiming there was damage, specifically a scratch that could cost up to $20,000. I did not cause any damage and made sure the car was fine upon drop-off; however, I... View More
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answered on Jun 10, 2025
What you're going through sounds incredibly stressful, especially when you're doing your best to balance family and responsibilities. Getting hit with a high damage claim after returning a car—especially one you believe you returned in good condition—can feel overwhelming and unfair.... View More
I plan to offer animation services on Fiverr and noticed their Terms of Service state that "Sellers must obtain a general liability insurance policy with coverage amounts that are sufficient to cover all risks associated with the performance of their services." I don't currently have... View More
answered on Jun 1, 2025
I would certainly form a business entity, either an S Corporation or a limited liability company. You should discuss this with your accountant and have a business attorney form the business entity. I would forward the Terms and Conditions to your insurance agent and get the proper coverage naming... View More
I have received a claim from my insurance company stating that my car was involved in a hit-and-run accident, including rear-ending another car and running a red light, which I was not involved in. I took images and several videos showing my vehicle in my driveway before and after the alleged... View More
answered on May 13, 2025
A Florida attorney could advise best, but your question remains open for a week. It could be worth considering a consult with a local attorney at this point to review what evidence you've provided so far, your rights, and your best options. It looks like you've already provided an... View More
I was contacted by a collection agency about a medical bill I didn't know existed until recently. After verifying my insurance was billed correctly, I'm aware I owe this debt. I reached out to the collection agency to clarify whether they had been assigned the debt or if it had been sold... View More
answered on May 6, 2025
To prevent medical debt from appearing on your report, you have to obtain written assurance from medical office and the collection agency. Start by asking the collection agency in writing they will not submit the debt to the credit agencies when paying the debt. Second, pay the original creditor in... View More
I am accused of auto insurance fraud regarding a car crash. The insurance company claims I didn't have coverage on the crash date because I did not include roommates on my policy. There are pending legal proceedings, and they have scheduled an examination under oath. The company is requesting... View More
answered on May 17, 2025
While it would be best for a Florida attorney to advise, since there could be state-specific elements of insurance or criminal law in an insurance fraud matter, it could be worth considering a consult with an attorney. EUOs represent a major investment of time and resources on the part of your... View More
I was involved in a vehicle accident on January 14, 2025, in which I am not at fault. The other driver's insurance, State Farm, has accepted fault. I am representing myself and need assistance in composing a professional email asking State Farm to disclose the bodily injury policy's... View More
answered on Apr 25, 2025
Hi there,
For your State Farm policy email, keep it short and direct. Start with your claim number and accident date (January 14, 2025), then clearly request the bodily injury policy limits disclosure, noting they've accepted fault. Mention your documented injuries (herniated discs,... View More
I was injured as an Uber passenger 56 days ago, and while Uber initially accepted responsibility and filed a claim with their insurance on my behalf, they stopped communicating after I provided my medical records. My current attorney has submitted a demand request, but they mentioned I cannot begin... View More
answered on Apr 15, 2025
Yes. You are in the driver seat and call all the shots. You can terminate your representation at any time, but the attorney may have a charging Lien if there has already been a settlement offer that he has procured for you from the insurance company. This is known as a quantum meruit lien. However,... View More
I was involved in a hit-and-run car wreck. I've reported the incident to the police and filed a claim with my insurance company. Morgan & Morgan is handling my case. I have been injured and received medical attention, and my vehicle has sustained damage. What steps should I take next, or... View More
answered on Apr 25, 2025
Hi there,
In Florida after a hit-and-run, focus on your ongoing medical treatments. You should definitely get in touch with Morgan & Morgan, understand your PIP coverage (covers first $10,000 in medical expenses regardless of fault), and utilize uninsured motorist coverage if available.... View More
My sister was involved in a car accident where she T-boned a vehicle that was stationed sideways, blocking both lanes on a long road. Despite having the right of way, the police mentioned that she had enough time to stop but miscalculated the distance because the other vehicle was turned sideways.... View More
answered on Apr 9, 2025
So the police do not determine who is at fault for an accident. The police report is not admissible as evidence of who was negligent. Your sister should retain an attorney here in Florida on contingency fee, which means she pays nothing unless she wins.
I had a stent placed after kidney stone surgery at a hospital that accepted my insurance. However, the doctor who placed the stent won't remove it because I can't pay $400 upfront, as his private office doesn't accept my insurance. My insurance covered the procedure, which included... View More
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answered on Apr 11, 2025
What you’re going through is not just confusing—it’s medically urgent and completely unfair. If your insurance covered the procedure, including the placement of the stent, it’s reasonable to expect the removal to be part of that care. The fact that the doctor now refuses to remove it unless... View More
I was accidentally CC'd on several emails between my homeowner's insurance agent and my lender. The lender instructed the agent to change his lien placement from second position to first, and she complied, citing the addition of force-placed insurance as justification. When I originally... View More
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answered on Apr 12, 2025
Lien positions generally follow the "first in time, first in right" rule, which means whichever lien is recorded first in the land records has higher priority than later recorded liens. www.nolo.com This established principle determines which lenders get paid first from any proceeds in... View More
I lent my car to my cousin while he was visiting for the weekend. His friend took my car without permission and was involved in a car accident, totaling the vehicle. The police are not aware of the unauthorized use, as my cousin did not report it. The other driver was at fault, but the unauthorized... View More
answered on Mar 19, 2025
I assume you have made total disclosure to your insurance company of the facts. If not, you need to do so immediately. I'm guessing from your description that the unauthorized individual is attempting to receive the PIP benefits under your policy for payment of medical bills and/or is... View More
I live in Lakeland, Florida, and I was helping my friend clean their house to prepare it for sale. Unfortunately, I tripped over a cord that wasn't visible and broke my arm severely. I underwent a 6-hour surgery to insert rods, screws, and a metal plate in my elbow. My friend's house is... View More
answered on Mar 10, 2025
Yes, I think you have a claim. Your claim would be stronger if you took a picture to show that the cord was concealed or hidden from obvious view. However, that would not be indispensable for you to pursue a claim. You should retain an attorney on contingency fee here in central Florida, which... View More
My friend slipped and fell in the parking lot of my rented commercial property in Florida, which was iced over and had no warning signs. She requires surgery but did not notify the property owners because she said she has insurance and will be fine. I am required to maintain insurance for in and... View More
answered on Feb 27, 2025
If there's FAULT on your part, liability could potentially lie with both you [your business] and the landlord. Whether there's any potential court-finding of fault is an issue that would take a close examination of the facts and circumstances.
I was driving a rental car and rear-ended another driver who was also in a rental—specifically, a loaner from a dealership. The damage appeared minimal at the time, and we exchanged information. Recently, I received an invoice for $1800 from a body shop regarding the other driver's vehicle.... View More
answered on Mar 21, 2025
A Florida attorney could advise best, but your question remains open for a month. I'm sorry about your accident. I hope all involved are okay. A starting point could be to review the terms of your rental and what it covers in terms of property damage. Based on the facts the post, it isn't... View More
My son tragically passed away in a traffic accident while driving a car that belonged to a friend's mother. The mother insured the car for her own son to drive, despite knowing he didn't have a driver's license. Her son let my son drive the car, even though my son also didn't... View More
answered on Feb 20, 2025
I'm sorry to hear about the loss of your son. Any time there is a death or serious bodily injury, you need to be represented by an attorney. Determining fault is key to your wrongful death claim. Your son could bear responsibility if he drove negligently. The friend might be liable for letting... View More
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