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Insurance Defense Questions & Answers
1 Answer | Asked in Family Law and Insurance Defense for Florida on
Q: Court ordered medical insurance for a exspouse who is going on Medicare and did not choose a part C plan. Part A and B

Not an issue, but pharmacy insurance is being demanded as well. If she chose not to take an advantage plan which included pharmacy does the ex have to add this additional coverage and cost. The order States that each party is responsible for their own uninsured medical, dental, hospital, optical,... View More

Rand Scott Lieber
Rand Scott Lieber
answered on Dec 16, 2024

You need to follow the court order as you understand it. If it is ambiguous and there is a dispute then you have to go back to court. As long as you believe that you can justify your interpretation then do it and let the other party dispute it.

Speak with a local family lawyer for more...
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1 Answer | Asked in Health Care Law, Insurance Bad Faith, Insurance Defense and Immigration Law for New York on
Q: Are illegal immigrants allowed insurance under the affordable care act?

Are illegal immigrants allowed insurance under the affordable care act?

James L. Arrasmith
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answered on Dec 13, 2024

Under the Affordable Care Act, undocumented immigrants are not eligible to purchase health insurance through the federal or state marketplaces. They cannot receive premium tax credits, cost-sharing reductions, or other federal benefits through the healthcare exchanges.

However, you can...
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0 Answers | Asked in Insurance Defense for Florida on
Q: Will insurance cover the replacement of a pre-existing cracked windshield on a used car purchase in Florida?

I'm considering buying a used car with a pre-existing cracked windshield. Under Florida law, insurance is required to cover the replacement of a windshield without charging a deductible, but I'm not sure if the same law applies to pre-existing cracks on an auto purchase from a dealership.... View More

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for California on
Q: Amazon would not let cancel Insurance and make $288 since August 2024 join insurance when the App show $88 only

and Amazon $288 every week for Amazon Imputed when App show was pnly $88 only and I kind want to quit Amazon for take $288 and The phone App lie

James L. Arrasmith
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answered on Dec 8, 2024

It sounds like you're having trouble with insurance charges through Amazon, specifically regarding a discrepancy between the $88 shown in the app and $288 being deducted weekly for "Amazon Imputed" insurance charges since August 2024.

You should immediately contact Amazon HR...
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1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Contracts for New York on
Q: Can I do anything about an agent at my car insurance company lying about coverage?

When I renewed my car insurance policy, I was told that some optional add-ons were not optional and I had to accept. I found out a day later that she lied and it was not true. Now the company is saying it can be fixed by the agent but they're making it EXTREMELY difficult. I'm on my 6th... View More

Tim Akpinar
Tim Akpinar
answered on Dec 8, 2024

This looks like something that could be remedied without attorneys. You could try to continue to work with their customer service to get the options you want. If the first person you spoke with was inexperienced and provided incorrect information, it's possible you may have to pay whatever... View More

1 Answer | Asked in Car Accidents, Insurance Bad Faith, Insurance Defense and Personal Injury for Arizona on
Q: Can a car insurance company cover car damage but deny injuries from same storm incident?

During a monsoon, 2 trees fell, 1 on my trunk and the other in front of my car creating a collision. It was if I ran into a brick-wall. The car ins company acknowledged this as a 'catastrophic event' and paid under comprehensive cov: $4,590 for vehicle damage and $840 for rental. They... View More

Tim Akpinar
Tim Akpinar
answered on Dec 10, 2024

An Arizona attorney could advise best, but your question remains open for a week. This might be difficult to get a definitive response for in a public Q & A forum. If you reached out to attorneys in your state, they would likely ask to review the policy thoroughly before advising on whether the... View More

1 Answer | Asked in Car Accidents, Insurance Bad Faith, Insurance Defense and Personal Injury for Arizona on
Q: Can a car insurance company cover car damage but deny injuries from same storm incident?

During a monsoon, 2 trees fell, one on my trunk and the other in front of my car creating a collision. It was if I ran into a brick-wall. The car ins company acknowledged this as a 'catastrophic event' and paid under comprehensive cov: $4,590 for vehicle damage and $840 for rental. They... View More

Tim Akpinar
Tim Akpinar
answered on Dec 4, 2024

An Arizona attorney could advise best, but your question remains open for a week. I'm sorry about your accident. Your injuries sound serious and I hope you are recovering.

This could be something difficult for attorneys to offer a quick short answer to. It could depend on your policy....
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2 Answers | Asked in Insurance Bad Faith and Insurance Defense for Michigan on
Q: Large claim against secondary insurance through Uber. They were paying at first but stopped. Please advise

Atlantic insurance company said state law is preventing them from paying, even though they were covering medical expenses. Progressive has been paying lost wages and medical with no issues. I was driving Uber waiting for passenger when accident occurred. Been totally disabled with neck and back... View More

Tim Akpinar
Tim Akpinar
answered on Dec 18, 2024

A Michigan attorney could advise best, but your question remains open for three weeks. I'm sorry about your accident and the ordeal it has caused for you. You ask to be advised - that could be difficult for any attorney, without additional details. Most attorneys would want to know how the... View More

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2 Answers | Asked in Insurance Defense and Traffic Tickets for Illinois on
Q: Can I get a charge of driving with a suspended license plate thrown out if I show proof of insurance prior to the stop?

I got a court date and a $1000 charge for driving with a suspended license plate. The plate was suspended for lack of insurance. Shortly after my license plate was threatened with suspension, I acquired insurance. I had no knowledge that my plates were suspended until the officer who pulled me over... View More

Theodore J. Harvatin
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answered on Nov 21, 2024

They probably required you to obtain a special type of insurance called SR 22. If you only had regular insurance and they wanted SR 22, that would not have fixed the problem

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1 Answer | Asked in Car Accidents, Traffic Tickets and Insurance Defense for Illinois on
Q: Legal Advice Needed for Rental Car Accident

I am seeking your advice regarding a car accident I was involved in while driving my friend's rental car, which he had rented from Hertz. My friend did not purchase the rental insurance, assuming his Discover credit card would provide coverage. Since I do not own a car, I do not have any... View More

Theodore J. Harvatin
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answered on Nov 18, 2024

Unclear what your question is. Started out talking about insurance, then addressed whether you were at fault. The second question cannot be answered in an online forum. The first one, same

3 Answers | Asked in Animal / Dog Law, Civil Rights, Insurance Defense and Intellectual Property for California on
Q: Declaration of Assets, Insurance & Employment under penalty of perjury from claimant's attorney

Our 21 lb dog bit an uber eats driver on the calf piercing his skin and he and his attorney are seeking compensation over insurance limits. Our insurance company sent us a declaration of assets, insurance and employment under penalty of perjury to complete with the policy limit settlement to send... View More

William John Light
William John Light
answered on Nov 18, 2024

You don't have to disclose your assets, other than insurance limits, even during litigation, unless punitive damages are sought.

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1 Answer | Asked in Insurance Defense for Indiana on
Q: I have a second EUO coming up over my truck being stolen. They are now asking me to bring in my cell phone to see after
Tim Akpinar
Tim Akpinar
answered on Dec 8, 2024

An Indiana attorney could advise best, but your question remains open for three weeks. Part of your post was cut off, but whatever is missing from the incompleted post, it's likely that an attorney would want to know more to offer meaningful guidance. An Indiana attorney could advise more... View More

2 Answers | Asked in Car Accidents, Traffic Tickets and Insurance Defense for California on
Q: How much trouble am i in for falling asleep while diving, running a red light and causing a collision?

No one was hurt although the minivan spun several times it had to be towed away. It was a family on vacation and the minivan belongs to a rental company. I have no information from them and don't know what do I do? Also my car is a salvage title with no insurance and no registration but I do... View More

Tim Akpinar
Tim Akpinar
answered on Nov 23, 2024

It could depend on how aggressively the other side's attorney and authorities want to press those issues. If the other side chooses to bring a case, it could depend on how it would be handled. Some plaintiff attorneys assess an accident case in a matter-of-fact approach, seeing it solely in... View More

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1 Answer | Asked in Foreclosure and Insurance Defense for Florida on
Q: Legal Representation Needed for Lawsuit Against Insurance and Mortgage Companies

Property damage claims in 2022 and 2024 Insurance Company, and mortgage companies have withheld in repair funds.

We need an attorney to:

1. File and pursue litigation against our insurance company and the mortgage company for breach of contract.

2. Secure the withheld funds... View More

Tim Akpinar
Tim Akpinar
answered on Nov 22, 2024

A Florida attorney could advise best, but your question remains open for over a week. You have probably already been searching for attorneys. You could supplement your efforts with the "Find a Lawyer" tab above, which lists attorneys by region and practice area. You could also look into... View More

2 Answers | Asked in Insurance Bad Faith and Insurance Defense for California on
Q: My grandma purchased from national life in 1986. She’s paid twice what the policy is worth. Should she still be paying?

She feels like she has been completely miss lead. We already filled a complaint with the department of insurance and are waiting for them to investigate.

Adam Stoddard
Adam Stoddard
answered on Nov 15, 2024

It really depends on what the insurance policy and terms say. Your grandma's relationship with National Life is contractual. If she is paying a monthly or annual premium to keep the policy active, if she stops paying, she may no longer be able to receive the benefits of the policy. You should... View More

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4 Answers | Asked in Traffic Tickets, Car Accidents and Insurance Defense for Georgia on
Q: I was issued a citation for failure to yield Section 40-6-71.

APD Officer told me the ticket is No points and I can pay the fine online. Is this true?

Glenn T. Stern
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answered on Nov 12, 2024

No, that is not correct. That ticket is a 3-point violation. Also, if the ticket was issued as the result of an accident, even if you are be able to pay it online, Georgia law still requires you to show up for your court date.

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