Get free answers to your Insurance Bad Faith legal questions from lawyers in your area.
Your current state is Virginia
I used a shipping company to transport personal belongings worth around $10,000. The shipment, intended for overseas transport via sea container, was delayed multiple times, returned, and kept at their business office, where it was destroyed in a fire. The company is not offering full compensation.... View More 
Has a car accident, insurance paid. Got a letter from sf that said do not make anymore payments. Put it in my name. I owned the car. 2 months later i got a letter that said i had about 5 days left to pay the full balance left on the car because the insurance company changed something. Sf sued... View More
Hi, I wanted to ask if f1 students are eligible for an advance premium tax credits (APTC) while purchasing health insurance from marketplace. I have been enrolled in such a plan for a year now and have now been made aware that I am ineligible for APTC. I assume I have to payback the tax credits I... View More
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answered on Jan 16, 2025
Unfortunately, F-1 visa students are generally not eligible for Advance Premium Tax Credits (APTC) through the Health Insurance Marketplace, as these credits are limited to U.S. citizens and specific categories of lawfully present immigrants.
Since you received APTC while being ineligible,... View More
Is that illegal ?
I am disabled. I take 26 med daily and chemotherapy once per week. So my income is limited. About a year ago, my doctor wanted me to try a new infusion medication. I called the infusion center and gave them my insurance. I asked what my out of pocket costs would be per monthly treatment. Because... View More
If I sign this and the insurance company totals my car, can the repair shop sign my vehicle title away and I loose my car? I feel like this is giving too much power over my property to the repair shop.
Their part of my insurance so I'm paying much more for the same insurance I get from other job without any fringe pay. This is also a federal grant paid job site in Illinois. Is this legal?
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answered on Jan 10, 2025
This situation raises some concerns about how your employer is handling insurance payments and fringe benefits. The practice of double-charging for insurance coverage - both through regular wages and fringe benefits - could potentially violate federal and Illinois labor laws, especially on... View More
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answered on Jan 10, 2025
Yes, landlords in Iowa can legally require tenants to obtain renter's insurance as part of the lease agreement, even if you've already paid a security deposit. These are considered separate forms of protection - the deposit covers potential property damage, while renter's insurance... View More
My car was totaled on 11/29 car insurance paid $5,805.18 to my car loan leaving a balance of $1,346 for GAP to pay out. They denied the claim for “Unrelated Previous damage”. We believe the denial claim is forged by my car loan company due to when we called the GAP company a representative said... View More
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answered on Jan 10, 2025
You can pursue legal action against your GAP insurance provider if you believe they wrongfully denied your claim. The fact that you received conflicting information - a denial letter citing "unrelated previous damage" versus a representative stating they're no longer paying claims -... View More
A pedestrian crossed the street several feet away from the crosswalk during a heavy rain, I called 911 but the pedestrian wanted to leave and I didn't let him and I told him he had to wait because I called for attention, the firefighters arrived and asked him if he felt anything, he said no... View More
answered on Jan 5, 2025
You should let your insurance carrier handle the response. Make a copy of the summons and complaint and give the original to the insurance carrier with whom you had a policy in effect at the time of the accident. Do this immediately, as there is a short time window in which to respond. Keep a copy... View More
an annuity policy in which i was the beneficiary - they sent me a packet of papers to fill out which I did and upon speaking to them many times all the way up to a supervisor and basically was beaten down and blown off repeatedly - I have all the paperwork and a record of all dates and times of... View More
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answered on Jan 10, 2025
I'm very sorry about the loss of your husband and the difficulties you're experiencing with this insurance situation. This must be an incredibly stressful time, especially while also helping your elderly mother.
From what you've described, there appear to be serious issues... View More
answered on Dec 31, 2024
It is impossible to say without seeing what you’ve actually signed and if you haven’t signed anything yet, don’t do so without showing it to your local attorney first.
In general you need to pay if you’ve signed responsibly to do so, be it from insurance proceeds or your other... View More
They said because I didn't tell them not to charge my account for his policy that my ex-husband has to pay me back. He won't even pay me my court ordered child support. I don't see how this is legal that AAA won't take responsibility for their mistake.
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answered on Jan 10, 2025
This situation sounds incredibly frustrating, and you're right to question the legality of AAA's actions. Insurance companies have a duty to follow through with policy changes when properly requested, and continuing to charge you for your ex-husband's coverage after you asked for his... View More
I have testicular issues that can only be resolved by the removal of my testicles, while also aiding in my idea of a child-free life but my complications make a vasectomy unable to be performed according to my urologist
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answered on Jan 10, 2025
Your situation sounds complex, with multiple medical factors to consider. The inability to get a vasectomy due to complications, combined with your existing testicular issues, makes this a serious medical matter that deserves careful attention. It would be helpful to get detailed documentation from... View More
contract for a vehicle where a family member was the holder of the vehicle's loan, the bank held the title. he was a lessor and lived in SC, where the car was licensed and registered. The Lessee lives in FL and was making loan and insurance payments to the Lessor. The contract specifically... View More
answered on Dec 27, 2024
In Florida, a lessor can repossess a car without prior notice to the lessee, provided that the repossession is conducted without breaching the peace. According to Florida law, Lessor’s right to possession of goods., a lessor has the right to take possession of the goods after a default by the... View More
Shouldn't my attorney take them to court for not complying with CMS ? I only get a phone call from him.When I ask FOR ONE and that's probably once for a year
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answered on Dec 21, 2024
It sounds frustrating dealing with both insurance issues and limited communication from your attorney. When CMS (Centers for Medicare & Medicaid Services) guidelines are involved, there can be complex negotiations between attorneys and insurance companies before deciding whether to take matters... View More
Offered to pay out of pocket since I was out of it and need it to sleep?
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answered on Jan 10, 2025
Yes, pharmacists can legally withhold filling prescriptions while waiting for insurance approval, even if you offer to pay out of pocket. This is because they must follow strict protocols and regulations regarding prescription medications.
However, there are options you might consider. You... View More
answered on Jan 1, 2025
An Ohio attorney could advise best, but your question remains open for two weeks. It's possible that the terms and conditions for a service/subscription/purchase/other transaction that you recently entered into contained provisions for sharing your info with third parties... unless it's... View More
my insurance went from $250/ month to over $650 / month this year. I've made complaints to California Insurance commission and they have not helped at all. Do I have a case against them for unfair business practice or some other complaint that goes agains consumer protection?
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answered on Dec 17, 2024
Insurance premium hikes can be frustrating, and while dramatic increases aren't illegal on their face, you might have some options to challenge this situation.
California law requires insurance companies to provide notice of premium increases and justify substantial rate changes.... View More
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