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Insurance Defense Questions & Answers
0 Answers | Asked in Insurance Bad Faith and Insurance Defense on
Q: Is 500.2066 violated if a cancelled policy premium is partially paid by the issuing brokerage agency?

Hi, our insurance agency is appointed with several carriers in MI. Our agency failed to complete a policy requote request when an employee misinterpreted insured qualifying criteria for an existing client insured with one of our carriers. The existing policy later cancelled for non-payment with a... Read more »

1 Answer | Asked in Contracts and Insurance Defense for Florida on
Q: I received a summons for a complaint for declaratory relief. I don’t know what it is or means

I don’t know if I should respond how I go about doing so, I also am wondering if this means they are suing me financially? This is from my car insurance company after they dropped me and paid nothing towards the accident.

Brennan R Block
Brennan R Block answered on Sep 21, 2021

Generally, a lawsuit filed for declaratory relief involves someone requesting for a court to enter a judgment that states the rights of parties to the lawsuit without ordering any specific action or awarding money to either party. In your circumstance, the insurance company is likely seeking a... Read more »

1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Real Estate Law for Texas on
Q: i got a reverse mortgage loan. the company said they would pay insurance , they haven’t done so and it expired

the contract says insurance and taxes need to be kept up I am really concerned

John Cucci Jr.
John Cucci Jr. answered on Sep 20, 2021

So you are right to be concerned.

If the agreement between you and the mortgage company requires them to pay for home insurance, then they are obligated to do so. If that is true your best move is to send the mortgage company a certified letter demanding that they provide coverage. If they...
Read more »

1 Answer | Asked in Insurance Defense for California on
Q: Insurance denied claim because driver was not listed on my policy, but they went ahead and paid for the other car's

damage and now 3 years later the insurance company is suing me for what they paid for other car's damage, am I responsible for this?

Maurice Mandel II
Maurice Mandel II answered on Sep 21, 2021

Are you personally responsible for damage cause by an un-permitted driver of your car? Depends on what your policy says, but most likely yes. You should consult with a Personal Injury attorney near you and defend yourself against your own insurance company. Even if you are responsible you may be... Read more »

0 Answers | Asked in Insurance Defense, Criminal Law, Business Formation and Civil Rights for Alaska on
Q: can I see my insurance company for the roadside services neglect humiliation degradation and pasta work enviro.laughing

Can I sue for hostile work environment and civil rights being taking humiliated and degraded in front of the company 3 workers who think it's ok to treat someone in a emergency like that

0 Answers | Asked in Insurance Bad Faith, Insurance Defense and Criminal Law for Georgia on
Q: My now ex wife and her boyfriend got a auto insurance policy under my name without my consent. What can I do?

I have even been flagged on my credit report on other illegal matters she has done in my name. Even now as we speak after the divorce and was granted her last name( I have remarried) she continues to do fraudulent actions in my name. I need help

0 Answers | Asked in Car Accidents, Insurance Defense and Personal Injury for Texas on
Q: My husband was in a at fault car accident. Due to clerical error on the insurance side.

They where trying draft auto pay from a different form of method than I had set up. The insurance on my vehicle then lapsed 2 days before the accident. I received a letter from the adjusters stating they where covering the cost of damage and could take it to any mechanic to be fixed. A few days... Read more »

3 Answers | Asked in Estate Planning, Family Law, Health Care Law and Insurance Defense for Florida on
Q: My father recently passed away after a 3 weeks in the hospital. During that time, the hospital tried to get him approved
Nina Whitehurst
Nina Whitehurst answered on Sep 14, 2021

Approved for what? You should repost your inquiry with more information.

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0 Answers | Asked in Insurance Defense for Texas on
Q: Lightening struck a tree or power line in front of my house.

The power line set my car on fire. It took oncor 15-20 minutes to shut the power off so the firemen could put out the fire, resulting in a total loss of the car. Is oncor at any fault?

1 Answer | Asked in Contracts, Personal Injury, Insurance Defense and Small Claims for California on
Q: If loaner company knew I had a nonowners insurance policy does that mean they are held liable for any damage done tocar

They didn’t offer additional coverage, knew I had nonowners & loaned a vehicle. Vehicle was damaged & nonowner policy won’t cover it saying they should’ve never let me drive away with it. Am I responsible for the damages to the car? Or are they because of negligent entrustment?

Maurice Mandel II
Maurice Mandel II answered on Sep 11, 2021

Normally "negligent entrustment" is when someone entrusts property to a third person who then injures you. Claiming to be the incompetent person to whom the property was entrusted is an interesting legal theory but it may not fly in court. You don't say how the car was damaged.

0 Answers | Asked in Insurance Bad Faith, Insurance Defense, Land Use & Zoning and Real Estate Law on
Q: Why doesn’t the mortgage Bank pay for an unpaid Insurance claim, if they chose the Ins. Comp. for us?

We are affected mortgage Customers from Hurricanes Irma and Maria 2018. The estimate damages were $80.7k. We completed ALL the required documentation, submitted evidence and pictures, and our home damages was evaluated by an Ins. Comp. representative.

They sent us an offer of $5.0k (Which... Read more »

1 Answer | Asked in Insurance Defense for Michigan on
Q: Hit by insurance less driver cartotaled Trying to sue but can’t find the lady now as it appears she moved. What do I do

My wife was hit from behind by an insurance less driver about 6 months ago. We decided to sue as my wives car was totaled. The person who hit us appears to have moved and after about 3 attempts to have her served we’ve had no luck. The total damages equal about 4K and we had to take out a loan... Read more »

Brent T. Geers
Brent T. Geers answered on Sep 1, 2021

You need to talk with a civil attorney who deals with auto insurance. I'm not sure you have much recourse other than through "mini tort", which is limited to your deductible.

One other thing to keep in mind is that if this woman had no insurance and is now no where to be...
Read more »

1 Answer | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Georgia on
Q: Do I have to provide the defendant with my evidence when they’re served?

I filed a claim online against an insurance company, and provided evidence with my claim. The claim was accepted and now I’m seeking a process server to serve the register agent of this business.

My question is when I have the person served do I have to also provide them with the... Read more »

Randy Bryan Ligh
Randy Bryan Ligh answered on Aug 27, 2021

Why don't you have a lawyer representing you? Is this a case of supposed no insurance by the at fault driver?

0 Answers | Asked in Insurance Defense and Traffic Tickets for Arkansas on
Q: Got a ticket for no license and no proof of insurance. If I bring my proof on insurance will they drop that charge?

The cop was going the opposite direction of me and I had mud all over the side of my car and when she passed she seen it and turned around and the followed me for like a mile and then pulled me over and said she couldn't read my temp tags but I know she could because I had just stopped at a... Read more »

0 Answers | Asked in Insurance Bad Faith and Insurance Defense for Pennsylvania on
Q: Insurance underwriter wants me to update wiring in a 120 year old home.

I bought a home in Pennsylvania recently, and there is some residual knob and tube wiring. My insurance underwriter did not do any inspection (due to covid), but is now threatening to drop coverage based on my disclosure.

I have had the home inspected multiple times, all of whom said that... Read more »

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for California on
Q: My insurance underwriter wants me to update wiring in a 120 yo home.

I bought a home in Pennsylvania recently, and there is some residual knob and tube wiring. My insurance underwriter did not do any inspection (due to covid), but is now threatening to drop coverage based on my disclosure.

I have had the home inspected multiple times, all of whom said that... Read more »

John Karas
John Karas answered on Aug 24, 2021

This is a question to pose to an insurance bad-faith attorney in Pennsylvania.

1 Answer | Asked in Insurance Defense for Alabama on
Q: Can I keep my vehicle after it is deemed a total loss and payed out by the insurance company?
Nelson Craig Johnson
Nelson Craig Johnson answered on Aug 24, 2021

That will be determined as part of your settlement. If you have not accepted a property settlement offer you can negotiate to keep the vehicle. They will likely reduce their offer by what they assess the salvage value of the vehicle to be.

2 Answers | Asked in Estate Planning, Real Estate Law and Insurance Defense for Georgia on
Q: Can a Remainderman purchase their own dwelling homeowner insurance policy to cover and protect interest

Life estate tenant has own homeowner dwelling policy, listed as insured full dwelling coverage on home and property, but remainder men are not covered at all. Is it legal that we can purchase our own policy to protect our interest?

Anthony M. Avery
Anthony M. Avery answered on Aug 23, 2021

There is nothing illegal about the remaindermen being insured for property loss. But you will have to carefully find a willing insurance company that will inure a dwelling in which there is an occupany that is not the insured. When you get the policy, read it.

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