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Insurance Bad Faith Questions & Answers
1 Answer | Asked in Insurance Bad Faith for Maine on
Q: When my parent passed away their life insurance only paid back premiums that they had paid in, instead of full amount

They claimed it was because the policy was only recently started. Does this sound correct?

Tim Akpinar
Tim Akpinar
answered on Mar 17, 2024

A Maine attorney could advise best, but your question remains open for two weeks. I'm very sorry for the loss of your parent. One would need to see the policy to advise meaningfully, in particular, any provisions about waiting periods. See if you could line up a free initial consult with a law... View More

0 Answers | Asked in Car Accidents and Insurance Bad Faith on
Q: I am looking for a lawyer interested in a bad faith lawsuit about a NYC accident were my son was killed

The driver was under the influence of drugs and left the wheel of the car on him. He was stopped at a red light. She is in jail now. I do not know he real address and she did not have a license. She was driving a relatives SUV with her husband also under the influence. I would like to get this... View More

1 Answer | Asked in Criminal Law and Insurance Bad Faith for Louisiana on
Q: How long does the insurance company have to settle my claim after my car was stolen and recovered?

My car was stolen on January 28th and recovered by police on feb 2nd. Someone had set it on fire. I am completely devastated and have been treated like a criminal by law enforcement from day one. I have corroborated with my insurance company giving them everything they have requested of me. I also... View More

Randy Bryan Ligh
Randy Bryan Ligh
answered on Mar 5, 2024

You are handling these matters by yourself ---in order to insulate yourself you at a minimum consult with a lawyer in your area to get a better idea of the procedure and process-----and if you so desire (and I do recommend), hire a alawyer to be your representative in this process. He can... View More

1 Answer | Asked in Real Estate Law, Insurance Bad Faith and Insurance Defense for Louisiana on
Q: My metal roof was damaged (color) by a cleaning business. The company has insurance that denied the claim.

Company owner sued his own insurance co and lost in a judgement. Where do I stand now? Do I sue his insurance also? Sue him personally? It’s been about 2.5 years

Tim Akpinar
Tim Akpinar
answered on Mar 21, 2024

A Louisiana attorney could advise best, but your question remains open for three weeks. An attorney could advise more definitively with more information about the basis of the denial. One option might be to review the denial with a local attorney, and also learn of applicable statutes of... View More

2 Answers | Asked in Consumer Law, Contracts and Insurance Bad Faith for California on
Q: Hi, my storage unit was broken into. I discovered it June 2023. I notified the manager immediately. Then got the police

Report and a list of items missing, what they cost me new and gave them multiple examples of what these items are selling for new. I waited for a month and then when I went to the office to get an update, I was informed the manager was no longer there and they new nothing of the paperwork. They... View More

James L. Arrasmith
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answered on Mar 1, 2024

In California, when you're dealing with a situation where your storage unit was broken into and your attempts to claim insurance have been met with delays and miscommunications, it's important to know your rights and the appropriate steps to take. The insurance provided at the time of... View More

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0 Answers | Asked in Consumer Law, Animal / Dog Law and Insurance Bad Faith for Connecticut on
Q: Try to see if I can do something legally about a pet insurance policy and claim?

I have a policy with Trupanion. I submitted a pre approval claim for a BOAs surgery for my french bulldog which is a surgery to shorten the soft palate. Trupanion denied the claim stating my dog had a pre existing condition. When I went over the vet records with a Trupanion CSR no where in the dogs... View More

1 Answer | Asked in Health Care Law, Insurance Bad Faith and Insurance Defense for Louisiana on
Q: Blue Cross Blue Shield has been sending me someone else's mail for years. I told them to stop. Can I sue?

After years of dropping it in the slot marked "mail that's not yours," I finally called them to report it. I answered questions over the phone. They sent me a document, which I signed and returned stating I don't have any of the documents and haven't opened them. Also I... View More

Tim Akpinar
Tim Akpinar
answered on Mar 7, 2024

A Louisiana attorney could advise best, but your question remains open for a week. It doesn't sound like a case, for practical purposes. What damages did you suffer? This is only an individual opinion. Different attorneys could see the same matter differently. You could reach out to local... View More

1 Answer | Asked in Insurance Bad Faith and Landlord - Tenant for California on
Q: Hi, my apartment was recently damaged by a leak in our roof. My insurance is not covering the damages. Can it be covered

The adjuster I talked to said that the damage caused to our apartment building was due to "surface water" which is not covered in our policy. However, upon further research, some cases said that the build-up of rainwater from roofs or gutters is not considered surface water. Should I... View More

James L. Arrasmith
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answered on Feb 29, 2024

If your insurance adjuster has denied your claim based on the classification of the damage as "surface water," and you believe this interpretation conflicts with the specifics of your insurance policy or the actual circumstances of the damage, it may be beneficial to seek a second... View More

1 Answer | Asked in Insurance Bad Faith for Colorado on
Q: How can I find a lawyer I hired to handle a case for a Zantac claim made in 2021?

I lost all my info in a fire please advise !

Tim Akpinar
Tim Akpinar
answered on Mar 10, 2024

The simplest starting point could be to search for your name online in association with related lawsuits. It may or may not come up, depending on the court system and their manner of digitization of records. The next option could be to check with the clerk's offices of courts where you think... View More

0 Answers | Asked in Insurance Bad Faith for Massachusetts on
Q: I filed for voluntary administration of my father's estate in MA.

I received copies of the voluntary and sent one to the life insurance company (total value of policy is $14,000). I was told by the life insurance company that they want court documents designating me as the personal representative; however, my understanding is that as petitioner of the voluntary... View More

0 Answers | Asked in Consumer Law, Contracts, Collections and Insurance Bad Faith for Delaware on
Q: insurance company overcharging me for a ticket that didn't exist and then sent add. fees immediately to collections

I had Platinum level INS with accident forgiveness and I notice After a few auto payments that they didn't forgive an accident that happened. I asked them first why the rate was so high and they said it was because of the accident and I then mentioned the forgiveness and there was a pause...... View More

1 Answer | Asked in Insurance Bad Faith and Health Care Law for Missouri on
Q: What can I do when I am being charged a much larger medical bill than I was originally told I would have to pay?

I had surgery in December of 2023. I was told that my insurance covered it and I would owe $750.00. A month later I received an explanation of benefits from the insurance company saying I have a financial responsibility of $7000+. Upon further examination I realized my insurance had been canceled... View More

Tim Akpinar
Tim Akpinar
answered on Mar 1, 2024

A Missouri attorney could advise best, but your question remains open for a week. As a starting point, you could contact the hospital administration (billing and collections departments) and the insurance carrier to try to find out what happened. If you need to escalate to an attorney consult, your... View More

1 Answer | Asked in Insurance Bad Faith, Consumer Law and Personal Injury for Oklahoma on
Q: Is a supplemental medical Insurance company allowed to overrule “multiple doctors” severity of diagnosis determination?

“On December 28th of 2023, my wife became critically ill with Flu “A” and severe double pneumonia. She was taken to a hospital in Oklahoma City and placed on a ventilator. Sadly my wife suffered a hypoxic brain injury due to the lack of oxygen her brain was getting. Now she is in a nursing... View More

Tim Akpinar
Tim Akpinar
answered on Feb 29, 2024

A Texas or Oklahoma attorney could advise best, but your question remains open for a week. I'm sorry for your wife's ordeal. Carriers do deny claims on the basis of differing medical opinions. Only a local attorney could advise on the validity of the carrier's denial under... View More

4 Answers | Asked in Car Accidents and Insurance Bad Faith for California on
Q: I had an accident my insurance denied my coverage because I was at work now I'm being sued is there anything I can do

I was at work and hit someone from behind after they cut me off and slammed on there brakes. I was on break when it happened and never made it back the insurance didn't cover it because they said I was working. I signed a paper stating I don't work with Uber or a ride sharing company but... View More

James Otto Heiting
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James Otto Heiting
answered on Feb 19, 2024

Either you were working and your employer covers it; or you were not working and your personal insurance covers it. There may be some odd circumstances that interfere with that simple analysis; but that seems to be the common sense of your situation. Good luck.

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2 Answers | Asked in Insurance Bad Faith and Insurance Defense for Tennessee on
Q: Hello, Is it necessary to list insurance policies in a living will or poa?
Anthony M. Avery
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answered on Feb 12, 2024

You need to talk to an attorney. Neither a living will nor a poa have anything to do with devising and bequeathing property at death.

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1 Answer | Asked in Insurance Bad Faith for Tennessee on
Q: Does the spouse own rights to an insurance policy in the state of Tennessee? What if the beneficiary isn’t the spouse?

I need to get my end of life documents( will, poa,etc) in order and I need to know can I exclude my spouse.

Tim Akpinar
Tim Akpinar
answered on Mar 13, 2024

A Tennessee attorney could advise best, but your question remains open for a month. It may be because this doesn't really look like a Bad Faith matter, the category chosen. It is something that attorneys who practice in the "Probate" and "Estate Planning" sections would... View More

2 Answers | Asked in Car Accidents and Insurance Bad Faith for Pennsylvania on
Q: I'm thinking how hard it would be to do class action, particularly-...

For a class action law suit against a large insurance carrier, where it is not too difficult to surmise that what was improperly done to you, is done routinely with others as well, do you need to discover on your own, who some of those people are, and then contact them unexpectedly and try to have... View More

Tim Akpinar
Tim Akpinar
answered on Feb 16, 2024

Until you are able to check with attorneys who practice in Pennsylvania, you are correct. It can be difficult to put together a class action lawsuit. Not because of the legal theories - the same laws apply conceptually that apply to individual lawsuits. But there is the administrative burden of... View More

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1 Answer | Asked in Car Accidents and Insurance Bad Faith for Georgia on
Q: My wife hit my parked car while I was in bed sleeping-Progressive has listed me as an active drive of my car and refuses

To Remove it from my record-driving my rate up more than it should be-the agent got angry at me because when she refused to file the claim in the beginning I had to speak to her boss who also got angry with me for trying to file the claim-so I guess they got even with me and they refuse to remove... View More

Tim Akpinar
Tim Akpinar
answered on Feb 15, 2024

A Georgia attorney could advise best, but your question remains open for a week. If the claim was reported, they made it part of the record - you could also try to learn how the claim will be treated. In some cases, carriers could deny on claims involving spouses or other family members. Good luck

1 Answer | Asked in Contracts, Car Accidents and Insurance Bad Faith for South Dakota on
Q: in exclusions, "due and confined to" "wear and tear" and "freezing", means wear items are not covered. Are nw items cov?

We had a rare weather event where it got extremely cold for 3 days and the car sat outside (not confined) and im not sure what happened but now the car is leaking all the oil and antifreeze out of it. The car was not in use when this happened and has not had and mechanical failure, nor any wear... View More

Tim Akpinar
Tim Akpinar
answered on Mar 9, 2024

A South Dakota attorney could advise best, but your question remains open for a month. It looks like the policy excludes damages from freezing, which sounds like the source of damages here. You could review the policy and get the opinion of a mechanic. Good luck

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