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Insurance Defense Questions & Answers
0 Answers | Asked in Family Law, Insurance Defense and Probate for Mississippi on
Q: My mom passed away she is not married. She had a loan payment for her vehicle at a bank and had credit life insurance

Credit life pays off the remainding balance and belongs my mom. Why did the police make me give the car the co signer who was takin off the loan and everything

0 Answers | Asked in Insurance Defense for Colorado on
Q: How does Affidavit of Liability and Guardianship (C.R.S. 42-2-108 and 42-2-109) work with respect to auto insurance

My daughter’s father signed the affidavit and we are divorced. My daughter is driving a vehicle owned by me, and she is on my auto policy. If she gets in an accident, and she is at fault, does he have additional liability even though I own her vehicle and insurance?

0 Answers | Asked in Insurance Bad Faith and Insurance Defense for Arkansas on
Q: How to claim $ frm empire life insurance company of America from a policy dated 1965

I have a life insurance policy my dad got on me in 1965 that has an 8th year endowment insurance option for 2018 but in 2017 when both beneficiaries passed my lawyer couldn't find info on empire life insurance company of America but I have my certificate and booklet they issued my dad bk in 1965

0 Answers | Asked in Insurance Defense for Louisiana on
Q: Do I need a lawyer for getting denied Insurance because of Postpartum depression?

I have been denied Short-Term Disability, not a claim, just outright denied due to previously having postpartum depression. Is that allowed, should I appeal by myself or hire a lawyer?

0 Answers | Asked in Insurance Defense for Ohio on
Q: Adult children: Title vehicles in their names only and get their own insurance policy to protect my assets?

Kids are 20 & 18. Both can be careless drivers. Should my wife and I title the vehicles over in their names only and get them off our insurance to best way to protect ourselves from being liable for any accidents they cause. They are in college and living at home. Or should I keep vehicles in... Read more »

1 Answer | Asked in Car Accidents and Insurance Defense for South Carolina on
Q: Can you accept an insurance companies total loss offer but buy your car back with a salvage title with a lien on it stil

I owe $8000 on my car they offered $13000 can I get my car back with a salvage title

Randy Bryan Ligh
Randy Bryan Ligh answered on Jan 14, 2022

Most likely you will have to pay off the lien from your insurance proceeds before you can obtain a salvage title. I doubt the lienholder would agree otherwise but you can ask them if they will do so.

Q: an accident that wasn't my fault my car was a total loss who gets position of the vehicle me or the insurance company.

I was involved in a car accident the car was a total loss and I was wondering if I got position in the car or does the insurance company get possession of the car also does the insurance company have the right to pay the finance company while at the time of the accident the car was not registered... Read more »

Tim Akpinar
Tim Akpinar answered on Jan 22, 2022

An Arizona attorney could advise best, but your question remains open for two weeks, and you may be in a position where you need to remove the vehicle from storage. This appears to be something you might need to coordinate with the finance company if they hold a lien and possessory interest in the... Read more »

1 Answer | Asked in Insurance Defense for Illinois on
Q: Should I give my insurance a recorded statement?

My insurance is asking for a recorded statement. They already paid my claim + my car was fixed. They say they need the recorded statement to get my deductible back for me. I've already given a written statement. Should I give a recorded statement? I was always told not to do this in the past... Read more »

Tim Akpinar
Tim Akpinar answered on Jan 22, 2022

An Illinois attorney could advise best, but your question remains open for two weeks. Insurance policies generally require cooperation from policyholders in the event of an accident. This can mean making vehicles available for inspection, making oneself available for physician examinations,... Read more »

0 Answers | Asked in Insurance Bad Faith, Insurance Defense and Real Estate Law for Florida on
Q: Should I have received a written request about doing a 4 point inspection from Citizens homeowners insurance?

I have owned my home for 30 odd years and Have Citizen's Insurance as my homeowner. I received a telephone call about a 4 point inspection that Citizen's insurance ordered. I have received nothing about this in the postal mail or email. No written correspondence.

0 Answers | Asked in Insurance Bad Faith, Insurance Defense and Consumer Law for Washington on
Q: USPS is not refunding me even tho I have for insurance coverage on my parcel. (I have a picture of receipt)

Hello!

I sent a package with USPS to Tbilisi, Georgia almost 2 month ago. The package was nearly worth $1500 and I paid $120 for shipping+full insurance. I only have a picture of the receipt but they can also see it on their system. They lost my package. The package was i. new York for +2... Read more »

1 Answer | Asked in Insurance Defense for Texas on
Q: If I drive a vehicle that doesn't have insurance on it can I still be held financially responsible for the vehicle

Vehicle is not mine and not registered to me

Teri A. Walter
Teri A. Walter answered on Jan 6, 2022

You're always responsible for accidents you cause, no matter whose vehicle it is. You need your own insurance.

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Georgia on
Q: Can a life insurance company refuse to pay a benefit if the policy was in effect at the time of death

The ins.co has said payments had lapsed but was reinstated and paid up at time of death. But also are claiming that they were given false information about the facts of deceased health. The policy was over 7yrs old and the person who was handling finance issues was not beneficiary.

Tim Akpinar
Tim Akpinar answered on Jan 14, 2022

A Georgia attorney could advise best, but your question remains open for two weeks. The short answer is yes, they can deny a claim. And there can sometimes be worthwhile grounds on which to challenge a denial. Not to evade a simple answer here, but a Georgia attorney who handles litigation of life... Read more »

0 Answers | Asked in Insurance Bad Faith and Insurance Defense for Georgia on
Q: Can a life insurance company refuse to pay a benefit if the policy was in effect at the time of death

The ins.co has said payments had lapsed but was reinstated and paid up at time of death. But also are claiming that they were given false information about the facts of deceased health. The policy was over 7yrs old and the person who was handling finance issues was not beneficiary.

0 Answers | Asked in Insurance Defense for Virginia on
Q: my boat was hit by another boat while at the dock. The owner refuses to provide insurance or pay for damages. Do what?

I got the boat repaired for $835. My boat is located on Smith Mountain Lake, VA

Is the owner required to provide insurance information? What if he has no insurance

1 Answer | Asked in Car Accidents, Insurance Bad Faith, Insurance Defense and Civil Litigation for Florida on
Q: Can my car leaser add damages to my credit if I choose to return it damaged even though I have gap insurance.

Hello. I want to return my car because I plan on buying a house early 2022 and don't want a car payment listed as a bill when I apply for loans. I got into a wreck last month. I only have pip insurance. It's a fairly large dent in the driver side of the door. The person's insurance... Read more »

Bruce Alexander Minnick
Bruce Alexander Minnick answered on Dec 29, 2021

Your plan has serious flaws in it, not the least of which is a possible legal claim from the dealer seeking the remaining monthly payments that you agreed to pay at the beginning of the lease.

Whoever told you that you can just return a badly damaged leased car to whoever leased it to you...
Read more »

1 Answer | Asked in Insurance Defense for Oklahoma on
Q: If i am parked at a stop sign waiting to turn left then switch my blinker to right due to heavy traffic can i turn right

I was at a stop sign, in the middle of the driveway, leaving a private drive with no designated turning lanes when i switched my blinker to turn the opposite direction due to heavy traffic. While waiting to turn another vehicle came from behind up on right hand side of my vehicle in blind spot.... Read more »

Charles Watts
Charles Watts answered on Dec 30, 2021

This is one for the insurance companies to fight out but if you turned into them and they were sitting still then most likely you will be responsible party because you are responsible for your car in movement and making sure to clear obstacles.

1 Answer | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Louisiana on
Q: I was in an accident (12/17) and my insurance won't cover it. What are my options?

I got into a wreck on the afternoon of 12/17. Fault wasn't determined at the scene, and no tickets were issued. I didn't immediately file a claim with my insurance due to stress and mental health issues (it was the 5-yr anniversary of my dad's death). I also needed to get a microSD... Read more »

Randy Bryan Ligh
Randy Bryan Ligh answered on Jan 6, 2022

You should contact an accident/injury lawyer in your area to specifically discuss your matter-----most attorneys who receive calls and inquiries about this subject matter will provide a free/complimentary consultation.

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