I'm looking to purchase a life insurance policy for my brother, who has a history of anxiety, depression, and suicidal ideation. He lives paycheck-to-paycheck and I'm concerned about potential financial implications should something happen to him. I want to know if there are any life... View More

My wife had surgery to remove a nerve tumor in her abdomen due to extreme pain. Initially, our insurance denied all claims, but after an appeal, they covered the surgery, stating it was medically necessary. However, they refused to cover the hospitalization. They claimed the hospitalization did not... View More

In Utah, is it legal for someone to be pulled over solely because the database erroneously showed they didn't have insurance, even though their insurance was valid? I was stopped with no other reason, received a warning about the insurance, and was issued two tickets for a suspended license... View More

William Melton
answered on Mar 12, 2025

Unfortunately, yes. This is an issue that we see frequently. The cop made a stop in good faith that he believed you were operating the vehicle without insurance. Those databases are wrong all the time, but the Utah Supreme Court has ruled cops may make mistakes and the stop is valid as long as they... View More

I purchased a new Jeep Gladiator from Performance Jeep in Columbus on February 18, 2025, trading in my 2025 Hyundai Santa Fe. Although the contract was signed on that date, I recently received a bill for overdue payments from the lien holder of the Hyundai. Upon contacting them, I discovered the... View More

I was involved in a not-at-fault accident nearly 4 years ago in Texas, and the at-fault driver's insurance only covered the state minimum of $30,000. I have $100,000 uninsured/underinsured coverage with my insurance, and I filed a claim back in 2021. Recently, my insurance offered me half of... View More

I purchased a car in 2022, and the lender stated that insurance was included in the car note, but they have not provided proof despite multiple requests. I received a ticket for not having insurance, and the lender refuses to provide documentation. I had a written agreement and several... View More

My wife had $16,000 stolen from her 401(k) account with Fidelity following an identity theft incident in June. We were not informed by Fidelity until we discovered the account was blocked in November. We have reported this to the police, Identitytheft.gov, and social security. Fidelity claims to be... View More

Charles M. Baron
answered on Mar 9, 2025

If your money is not refunded, you might have a potential negligence claim against Fidelity, which is likely insured for that. Schedule an appointment with a lawyer in your area who handles civil litigation including negligence claims against financial institutions. The lawyer should promptly... View More

I am preparing to file a life insurance claim regarding my deceased wife. I have not yet obtained the death certificate, and I have not signed or sent in the HIPAA form. The only documents I currently have are the claim forms I printed from the insurance company's website. Do I need to provide... View More

I suspect my relatives unlawfully seized my inheritance in Mississippi, including property and insurance left by my deceased father Ralph Bishop, an heir to his father, Frank Hagmon Bishop, a Navy veteran. Despite my rightful ownership, assets were transferred, perhaps to California, with potential... View More

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Anthony M. Avery Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Mar 5, 2025

If you feel real property should have been inherited by you, hire a MS attorney to search the title and determine heirship. If you are a tenant in common, sue the other recorded tenants either for Partition or possibly Ejectment. Time is of the essence here. As to insurance, contact the... View More

I am the owner of an Airbnb property in Cincinnati, Ohio, where marijuana consumption is legal. I want to know if I need any special permits or certifications to legally allow marijuana consumption on the premises. Additionally, I am interested in understanding any insurance requirements that might... View More

I am dealing with a payment issue between two insurance companies for a hospital stay from 1/1/23 to 1/31/23 under Harvard Pilgrim Traditional Insurance, and then from 2/1/23 to 3/31/23 under UHC Medicare C plan. Both companies initially paid for their respective dates of service, but UHC retracted... View More

I was involved in a personal injury case where my lawyer obtained a settlement from the insurance company. The lawyer requested reductions from all medical providers involved, except the one who referred me to them. This provider admitted that the lack of a reduction was a payment for the referral.... View More

I hired a lawyer for my case, but I eventually fired her because she demanded her entire fee from the last settlement. I handled much of the negotiation myself, and she has already received fees from earlier settlements. Our contract states we must use arbitration for disputes. She also... View More

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James L. Arrasmith Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Mar 2, 2025

Arbitration can effectively address both your fee dispute and concerns about your former lawyer's professional conduct. In California, arbitration provides a structured process where a neutral third party can evaluate the fee agreement, work performed, and determine a fair resolution based on... View More

I have been a policyholder with Progressive Insurance in Montana since January 2024 and have a perfect driving record. Recently, my premium rates increased without a clear reason. Progressive informed me that all insurance companies raised their rates regardless of driving records. Are there any... View More

I called my insurance company to inquire about pre-authorization for a CT scan. Over the phone, the agent informed me that no pre-authorization was required. I confirmed this twice, and based on that information, I went ahead with the CT scan. Now, I have received an explanation of benefits stating... View More

I was divorced in 2009, and my ex-husband designated me as the beneficiary of his life insurance policy. He passed away on December 11, 2024, and there have been no changes to the beneficiary designation since our divorce. However, the divorce order states that each party is awarded the life... View More

I was denied in-home physical therapy coverage after I experienced septic shock and a coma from November 2024 to December 2024. The denial was based on a previous suicide attempt in September 2024, with the insurance company labeling me as a "poor risk." Is it legal for my insurance to... View More

I have a question about an insurance policy that my mom had on my uncle. My mom passed away on August 26, 2024, and my uncle passed away on August 27, 2024. I am my mother’s only surviving heir. My mom was paying the premiums, and I found letters addressed to her with the policy number. However,... View More

I had essential back surgery that was denied by my insurance company, Aetna, possibly because I'm a smoker. I previously had back surgery four years ago with a different insurance company, which was not denied, and my recovery was excellent. Both my doctor and I have made appeals to Aetna, but... View More

John Michael Frick
answered on Feb 25, 2025

This is really not a legal question. It is a medical question. Various medical associations stress the importance of quitting smoking 4-6 weeks before having surgery (except in an emergency) to reduce the risk of wound complications. This is a standard surgical protocol.

I was involved in an accident with a drunk driver who hit my car. Although he has insurance, he has been dodging calls from his insurance company for months. He is currently in jail for hitting another driver's car and injuring them. I have filed a police report, have pictures, a video of the... View More

Tim Akpinar
answered on Mar 2, 2025

A Maryland criminal law attorney could advise best on the issue of charges, but regarding the civil issues in your questions, it's possible the other driver is not able to respond due to incarceration. The carrier should still manage to process the claim and advise on their position. You... View More