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My mother suffered a cerebral hemorrhage and was hospitalized for a week. The hospital's doctor and case manager recommended an inpatient facility for her off dexterity and balance issues. We selected a facility that was said to be within her insurance network, but her application was denied.... View More 
I have Blue Cross Blue Shield Illinois insurance through my employer and had ORIF surgery on my ankle at a surgery center in Indiana. Before my surgery on April 9, 2025, I contacted both the insurance and the surgery center multiple times, verifying they were in-network and received written... View More
I was involved in an accident on September 3, 2024, where I was seriously injured, including suffering an AVM rupture which my neurologist says was a contributing factor from the accident. The at-fault driver did not have enough coverage, and I have underinsured motorist coverage. I notified my... View More
answered on Jun 17, 2025
Yes, assuming you have applicable uninsured motorist (UM) coverage, you may pursue a UM claim. I must warn you, however, that UM is one of the most complicated areas of personal injury law. One false step and you may inadvertently fall into a pitfall and thereby foreclose your ability to recover... View More
I suspect someone may have forged power of attorney paperwork on my behalf related to my late aunt, who had custody of my son during my incarceration. We discussed an insurance policy, and I was informed afterward by another aunt that there was no insurance payout, which seems false. I have proof... View More
answered on Jun 16, 2025
You can either hire a private investigator or attempt to do the legwork yourself. With respect to the house, there should be deed records, tax, records, and possibly probate records which you can obtain. If you were named as the beneficiary of an insurance policy, the insurance company will... View More
I'm trying to get an insurance refund check reissued that was originally for my deceased brother's homeowner's insurance. The insurance company claims they can't reissue the check in my name because I wasn't on the policy, even though I have provided the probate papers.... View More
answered on Jun 13, 2025
I am sorry for your loss of your brother, please accept my condolences. You will have to reopen probate and then you will be able to address this via the probate court. The fee to reopen probate is minimal.
I was involved in a car accident where a vehicle hit me while reversing. The driver refused to call the police and did not provide license and insurance information, so I called the police. The police did not file a report but recorded the incident. The driver has now shared my driver’s license... View More
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answered on Jun 13, 2025
What that driver did is serious and completely inappropriate. Sharing your driver’s license publicly without your consent can put your privacy and safety at risk—it may even violate state or federal privacy laws. Threatening you with a lawsuit on top of that can feel intimidating, but you... View More
I was sitting in my vehicle that was not running, talking to a friend when a policeman approached, opened the door, and searched my car without a warrant. I was arrested for marijuana possession and later learned my license was suspended due to no insurance. My case is now closed, but I have been... View More
answered on Jun 13, 2025
No, you likely don't have to do the DUI course before getting your license back. DDS only requires the DUI course to be submitted if you are convicted of DUI, the Court may have made that part of your sentence, and you will need to get it done during your probation, but only as a term of your... View More
I believe my auto insurance company is lowballing me on my total loss claim after my vehicle was declared a total loss. They are offering me $3,000, but my vehicle's value was higher before the accident. I tried to negotiate a higher settlement, but my request was rejected. I haven't... View More
answered on Jun 13, 2025
You can sue, but you need proof to win. Without an appraisal by a certified appraiser, your opinion of a lowball offer means nothing. If you get an appraisal, and the insurer pays it, you don't really have a case.
I'm still employed by a company that recently terminated my insurance policy, claiming I hadn't worked over 30 hours a week, even though I've consistently worked the same hours since starting in October 2024. They have been deducting insurance premiums from my paychecks without... View More
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answered on Jun 12, 2025
That’s incredibly upsetting, especially when you’ve done everything right and only found out about the loss of coverage by accident. Employers are legally required to notify employees if their benefits are canceled, especially when premiums are still being deducted from paychecks. If they... View More
I need help because my insurance company, Allstate, has not sent my check for the partial loss of my car. In 2021, another driver hit my car and accepted responsibility, but she later filed a claim against my insurance, Allstate. My insurance declared the repair a total loss in 2023 and agreed to... View More
answered on Jun 12, 2025
If an insurance company in Texas mistakenly issued your vehicle loss check to the wrong person and then closed the claim, you have legal options under Texas insurance law to correct the error and receive proper compensation. First, contact the insurance company in writing to formally dispute the... View More
My spouse, who has advanced brain tumors, was admitted to a nursing home/hospice. Before this, she totaled her vehicle, and now she's unable to sign the title for the insurance payout. There is no power of attorney or legal guardian appointed, and the insurance company hasn't offered a... View More
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answered on Jun 11, 2025
You’ll need a court‐ordered surrogate before you can legally sign your spouse’s name on the title or insurance forms. In Ohio that means filing a petition in probate court for a limited guardianship over her financial affairs—once appointed, you’ll have the authority to handle the title... View More
I have State Farm insurance and bought my car five years ago. I was supposed to have full coverage, both for myself and for my financial bank, but I only have liability coverage. I was unaware of this until after an accident occurred. I need assistance on how to address this issue and what steps to... View More
answered on Jun 10, 2025
The question does not describe when the policy which covered the vehicle on the date of accident was issued. Illinois law requires a policy holder to read/review the policy when it is issued to verify they have the insurance coverage they requested and if unsure, to contact their agent/broker to... View More
I was involved in an accident that wasn't my fault, resulting in vehicle damage. However, Progressive insurance has denied covering my damages. I want to sue them for my claim. I have already tried to resolve the issue with my insurance company but haven't reached a satisfactory outcome.... View More
I stayed at Choctaw Casino in Durant on March 25, 2025, and slipped in the shower when the power went out, causing a concussion and injuries to my neck and back. After informing casino staff and filling out an accident report, I sought medical treatment at Texoma Medical Center and further... View More
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answered on Jun 10, 2025
What you’re going through is painful and stressful, and it’s made even harder when medical costs start piling up without support. Filing a tort claim with a tribal entity like Choctaw Casino can be more complex than filing against a private business. Since tribal nations are sovereign, they... View More
I want to know if I can sue my insurance company for a mistake they made. They issued a check to me on May 9th, which I cashed, not knowing it was meant for the lien holder on my car. Weeks later, on May 30th, they stopped the check, putting my bank account in the negatives. I wasn't notified... View More
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answered on Jun 10, 2025
What you went through is stressful and unfair, especially when the insurance company didn’t give you a chance to understand or correct the mistake. You acted in good faith by cashing a check that was issued in your name, and it’s not your fault that they later claimed it was meant for the lien... View More
I am dealing with identity theft where everything in my name, including my money, bank accounts, emails, loans, income tax refunds, and insurance, is being stolen. I've reported the issue to my banks and the police, but nothing is working, and I feel like I'm just getting the runaround. I... View More
answered on Jun 6, 2025
I would consult with a consumer protection attorney immediately. Make sure to keep track of everything that has happened and everything that you've attempted to do to mitigate the identity theft thus far for the attorney to review. The attorney will likely want to review everything, along with... View More
My daughter, who doesn't live with me, was driving my car and rear-ended another vehicle. Although no ticket was issued, the police report found her at fault. She has a valid Texas driver's license under her mother's address. I have full coverage insurance on the car; however, my... View More
answered on Jun 5, 2025
You need to gather together your policy documents and communications with your insurance agent to verify that your daughter was not designated as an "excluded driver" at the time of the accident.
Then contact an attorney who practices in the area of insurance coverage litigation... View More
I signed the settlement release of claims liability documents about 2 weeks ago, and I assume the insurance company has sent over the settlement check. Due to financial hardship and a personal emergency, can I ask my attorney for a small advance or loan while waiting for the settlement check to... View More
answered on Jun 12, 2025
Speak with your attorney - such arrangements could sometimes run the possibility of creating ethical issues. Another option, if the financial institution understands the hardship of your situation and is sympathetic, could be to explore earlier release of the hold on funds. Good luck
I am currently making a car insurance claim, and my insurance company is conducting an investigation. They want me to disclose that I traveled from a cannabis dispensary before the incident occurred. I am concerned that sharing this information might affect the approval of my claim. My insurance... View More
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answered on Jun 10, 2025
It’s completely understandable to feel uneasy about disclosing a visit to a cannabis dispensary, especially when it feels unrelated to the actual damage. However, insurance companies often ask for detailed background to assess a claim, and not answering could raise more suspicion than simply... View More
I was involved in an accident on May 12, 2025, and my insurance company is offering a settlement that I believe undervalues my vehicle. They're stating that since my vehicle is considered totaled, they base their offer on the taxable value, which is only half of what I think the vehicle is... View More
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answered on Jun 10, 2025
You don’t have to accept the first offer from your insurance company, especially if you believe it doesn’t reflect your vehicle’s true market value. Even with full coverage, insurers sometimes lowball their initial payout, hoping policyholders won’t push back. If they're using the... View More
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