Ask a Question

Get free answers to your Insurance Defense legal questions from lawyers in your area.

Lawyers, increase your visibility by answering questions and getting points. Answer Questions
Insurance Defense Questions & Answers
1 Answer | Asked in Insurance Defense and Constitutional Law for Tennessee on
Q: Grand Rising!! if I don't need a license to operate my vehicle per Supreme Court ruling, why do I have to have insurance
Anthony M. Avery
PREMIUM
Anthony M. Avery pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Jul 23, 2024

Rules of Road in TN require both a DL and Insurance to drive a vehicle.

0 Answers | Asked in Insurance Defense for Tennessee on
Q: I had a car accident over a year ago and I got my license suspended due to no insurance.

I later got insurance, went to court and showed proof of insurance, paid my fines and got my license reinstated. The dmv said I didn’t have to do anything else. Well I recently got pulled over due to a headlight being out (was unaware) and was informed that my license had been revoked due to the... View More

0 Answers | Asked in Insurance Bad Faith and Insurance Defense for Oklahoma on
Q: My fiance & I went to rehab in Cali after getting ppo BCBS insurance. This rehab sent us money to drink on the way there

They knew we only had drug problems, not alcohol issues ever, but in order for us to be admitted we had to be drunk. So they cash app $ to us to drink otw there, and our ride from airport took us to buy more alcohol after we arrived in Cali otw to rehab. We were there 2 weeks. Completing... View More

0 Answers | Asked in Insurance Defense for Oregon on
Q: My disabled son's governmentally assigned insurance company is not covering doctor prescribed medicine -- without cause.

My son has many diagnoses. In his case notes it is documented that he can only take ODT tablets. He does not have the ability to swallow medication. But, these types of pharmaceuticals cost more. The government assigned insurance companies (out of the blue) deny him coverage (often) "JUST... View More

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Massachusetts on
Q: Have you every changed your liability insurance agent?

If so, what led up to that experience, and how did you do it?

Tim Akpinar
Tim Akpinar
answered on Jul 25, 2024

A Massachusetts attorney could answer best, but your question remains open for a week. People do it all the time nationwide. A common cause is seeking lower premiums with other carriers. Another common reason is that people could be dropped by their carriers. Good luck

0 Answers | Asked in Insurance Bad Faith and Insurance Defense for Florida on
Q: I am on long-term disability through my employer. The company that manages the benefits is UNUM.

I am trying to understand if UNUM has the power to interpret the terms of the policy freely. Specifically, if a glossary term is defined in the policy, do they have the power to interpret that term how they want to determine eligibility.

The policy certificate states the the benefits are... View More

0 Answers | Asked in Insurance Bad Faith and Insurance Defense for Washington on
Q: Is it illegal for me to get car insurance so they can cover the cost of a previously broken window

I don’t have insurance on my car, as I haven’t been driving it for over a year. I got it running again but there’s a broken window on it. Once I get insurance, will the insurance company make a fuss about me wanting them to cover it? Because it will look like I just got insurance just so I... View More

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Kentucky on
Q: if you have been approved for long-term disability with your company, can they terminate your insurance for healthcare?

Long-term disability was approved and after almost 2 years they discontinued insurance with no notice. That discontinued for me and the family. The company has not told me why or how this happened. The insurance company does not know why or how. I keep getting a runaround with no insurance that is... View More

Tim Akpinar
Tim Akpinar
answered on Jul 22, 2024

A Kentucky attorney could advise best, but your question remains open for a week. If you could demonstrate that the termination was tied to a reluctance to honor a disability claim, you might have elements of bad faith there. You'd need to demonstrate that the termination of coverage was... View More

1 Answer | Asked in Employment Law and Insurance Defense for California on
Q: Could I take a part time position (8hrs/week) without loosing or reducing my unemployment benefits?

I am receiving maximum unemployment benefits since I was laid off from work. I now have the opportunity to take up a part time job in a new field working 8-16 hrs a week. Could I take this job without loosing or reducing my benefits since I would only be making $7-14k/year compared to 80k/year... View More

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Jul 18, 2024

Under California law, you may be able to take on a part-time job without losing your unemployment benefits entirely. California allows individuals receiving unemployment benefits to work part-time and still receive partial benefits, as long as your earnings do not exceed a certain threshold.... View More

2 Answers | Asked in Insurance Defense, Personal Injury, Civil Litigation and Insurance Bad Faith for Florida on
Q: Could we be held financially liable if our adult son is on our insurance policy?

We have a 19-year old son who has his own insurance on a paid off car that is titled to a trust that solely has the vehicle in the trust (vehicle trust). However, he lost his job is now not able to pay for insurance. We would like to know if we add our son to our insurance policy and the car... View More

Terrence H Thorgaard
Terrence H Thorgaard
answered on Jul 14, 2024

No, it is unlikely that you could be held liable for having him on your insurance. Liability normally results from negligent action on the part of a driver, not co-insured such as you would be.

View More Answers

1 Answer | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Ohio on
Q: If my son was driving his girlfriends moms car and gets in an accident whose insurance pays?
Tim Akpinar
Tim Akpinar
answered on Jul 16, 2024

An Ohio attorney could advise best, but your question remains open for a week. It would depend on the policy of your son's girlfriend's mom's car, and a number of other factors. There are a number of different combinations here, depending on who was at fault, the respective... View More

0 Answers | Asked in Insurance Defense and Traffic Tickets for Mississippi on
Q: Received no insurance ticket due to not having the physical card with me & the cop typed up the wrong year for car model

First time receiving a ticket.

First time being pulled over.

Have had license for 10 years no accidents.

Car is a year model 1996 while 2099 was put on the ticket.

I have insurance, just didn't have the physical card as it hadn't came in the mail yet.

1 Answer | Asked in Insurance Defense for Washington on
Q: In Washington state. Do I HAVE to list anyone living with me on my car insurance? Does it follow the car or driver?

It was my understanding that the car is what is insured and not the driver.

Tim Akpinar
Tim Akpinar
answered on Jul 16, 2024

A Washington attorney could advise best, but your question remains open for a week. Insurance carriers are within their rights to ask what other drivers of the vehicle are in the household. In terms of asking simply about household members, you could check with your state's department of... View More

0 Answers | Asked in Insurance Bad Faith, Insurance Defense and Traffic Tickets for Arkansas on
Q: I got a ticket for no insurance in Arkansas, yet I do have it

So I got pulled over, the state trooper pulled me over because I was getting close to the center line. Told him the truth, I was just exhausted from several nights of little sleep and on my way to work. He dismissed that and then brought up that he couldn't pull up my insurance. I didn't... View More

0 Answers | Asked in Insurance Defense and Traffic Tickets for North Carolina on
Q: I had a motorcycle wreck last week and the insurance wants to total my bike, even if I keep it.

the Harley is 22 years old, and to make it road worthy I have to replace the head light and the brake levers on the passenger side/ top and bottom. If I keep it they are giving me about 1500 less than if I let them keep it. there is more damage/cosmetic Why does it receive a salvage title, it... View More

1 Answer | Asked in Admiralty / Maritime, Insurance Bad Faith and Insurance Defense for New Jersey on
Q: Do you handle Cargo lost Pallates shipped to NJ and they delivered to incorrect location and was stollen in 9/18/23

EZ || GLOBALTRANZ || Tea4USA LLC || BOL 27634605 || PRO 450701543 || Tforce Freight || Amount:$18,666.66 ||

Inbox

GTZ Cargo Claims

Tim Akpinar
Tim Akpinar
answered on Jun 30, 2024

Unfortunately, we do not. This isn't a law firm or cargo loss recovery company. It is only a Q & A forum. You would need to reach out to law firms or other companies that handle such matters and pose your question to them. Good luck

0 Answers | Asked in Insurance Defense for Georgia on
Q: Parents are making me pay $200 in insurance for a car that’s not in my name and are making me pay late fees. Is this ok?

Im 19 years old and currently don’t own a car. My parents are making me pay $200 for a car I don’t hardly drive, it’s wrecked rn even. And not only that but I work a job that only pays me $7.25. They have started making me pay late fees despite knowing I had other stuff to pay for. A friend... View More

0 Answers | Asked in Insurance Defense for Indiana on
Q: Can my employer force me to pay the insurance when I am out for surgery? They have no fmla and are in Louisville, KY

Employer pays the insurance but are trying to make me pay for the time I was out recovering from a surgery.

Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.

The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.

Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.