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Insurance Defense Questions & Answers
1 Answer | Asked in Car Accidents, Construction Law, Insurance Defense and Municipal Law for California on
Q: Should I contact my car insurance, or sue the owner of the parking garage? This happened in Orange County, CA.

I entered a parking garage and while looking for a spot the horizontal automatic gate closed on my car and caused damage to it. I wasn't moving at the time, my car was stopped in the middle of the gate while it was fully open. I was trying to beat the closing after another car went through,... View More

James L. Arrasmith
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answered on Dec 1, 2023

In California, your first step should be to contact your car insurance provider. They can guide you through the process of filing a claim for the damage to your vehicle. Your insurance company may also pursue subrogation, which means they might seek compensation from the parking garage owner if... View More

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Florida on
Q: Insurance investigation claim time frame

I had gotten injured from the ground collapsing while standing on walking path and went down in a hole about 3 ft. Its newly constructed city owed public marina. Filed report with city and they gave me a claim number to cover medical bills. The insurance started an investigation a few months ago... View More

Charles M.  Baron
Charles M. Baron
answered on Dec 1, 2023

Are you sure it's a private insurance company that is handling the claim, as opposed to the city itself? If it's a private insurer, they generally should complete their investigation and either pay or deny the claim within 90 days. If it's city risk management, and a proper notice... View More

1 Answer | Asked in Products Liability, Insurance Defense and Intellectual Property for Louisiana on
Q: Can you make a company honor a quotation after both parties agree to the price?

I was looking at options for homeowners insurance and reached out to Allstate. They said they could provide coverage only if I moved my auto insurance there as well. I agreed, and they send a quote for both homeowners and auto insurance. The price was agreed upon by myself and the insurance... View More

James L. Arrasmith
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answered on Dec 1, 2023

In Louisiana, if a quotation from a company like an insurance provider is agreed upon by both parties, it generally forms a binding agreement. However, the enforceability of this agreement depends on the specifics of the communication and the extent to which the terms of the quote were clear,... View More

0 Answers | Asked in Insurance Defense for Texas on
Q: My car was taken vy my insurance company in 2022 and now yesterday they tell me I can pick up my car mind u I didn't

Know where my car was and now they are saying I have to 3300 to get my car back

0 Answers | Asked in Family Law and Insurance Defense for Florida on
Q: Daughter was Baker Acted in FL by school officials and Sheriff, received unexpected out-of-network bill.

The school Principal, concerned for my daughter's safety, involved the Sheriff and decided to place her in a facility via the Baker Act. Worried about insurance coverage, I inquired about it at the school, where the Sheriff assured me that the government would cover all expenses. However, we... View More

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Texas on
Q: All state insurance reported 16 claim on me which i find out when.run background via lexis Nexis for 1

Upon asking about the claim from all state all they saying you call when i ask for documentation invoice for me to beleive also valid non valid as per texas laws adjuster need to inform his clients 15 to 35 days fail to do fail to give me give me any information so i say refuse and if their so no... View More

Tim Akpinar
Tim Akpinar
answered on Nov 29, 2023

A Texas attorney could advise best, but your question remains open for a week. From the limited facts of the post, it's a little difficult to figure out exactly what took place here. If you have pending claims against you, Allstate as your carrier should be assigning a claim representative or... View More

1 Answer | Asked in Car Accidents and Insurance Defense for Michigan on
Q: My friend was hit in accident which hit another car truck drove off. Now my auto insurance progress wants to cancel and

Friend borrowed my truck. Accident now since live in midland and stay Gladwin sometimes progressive is sending my premiums back and saying no insurance for accident

Tim Akpinar
Tim Akpinar
answered on Nov 29, 2023

A Michigan attorney should advise here, but your question remains open for two weeks. If the accident is being denied, and you had coverage in effect at the time, you should consider trying to arrange a free initial consult with an attorney. Ordinarily, the other truck driving off and leaving the... View More

0 Answers | Asked in Car Accidents and Insurance Defense for Massachusetts on
Q: A legal adult is under their parents’ insurance for financial reasons. Can the parents lose assets if sued?

To elaborate, the concern is if the person should have to get their own insurance to protect the parents’ home and other assets (vehicles, etc). There is not a guarantee that she will do something stupid or cause a serious accident, but it would not be smart to rely on bad things not happening.

0 Answers | Asked in Health Care Law, Insurance Bad Faith and Insurance Defense for Florida on
Q: Health Insurance deny my claim stating is out of network but paid previously a claim ?

Please help ? My insurance processed a wellness claim at a different location of a hospital with the same name. Later, I received a referral for a specialist and had sonograms at the same hospital but in a different location. Despite being labeled as an out-of-network service by my insurance, the... View More

3 Answers | Asked in Insurance Defense for Texas on
Q: what kind of attorney Practice one of my Insurance Client lawsuit me for underinsured coverage claim ?

I was Allstate agent till 2020 when I started my own independent insurance agency . I received Citation on November 1st from customer lawsuit Allstate and me for incident happened in 2016 . I like to have consultation with Attorney whose practice in defending insurance agent lawsuit

James L. Arrasmith
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answered on Nov 13, 2023

In your case, where a former client is suing you and Allstate for an underinsured coverage claim related to an incident that occurred while you were an Allstate agent, you should seek a consultation with an attorney experienced in insurance defense. Specifically, you'll want an attorney who... View More

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0 Answers | Asked in Health Care Law and Insurance Defense for Florida on
Q: Health Insurance deny my claim stating is out of network but paid previously a claim same hospital?

Please can some help ?My insurance processed a wellness claim at a different location of a hospital with the same name. Later, I received a referral for a specialist and had sonograms at the same hospital but in a different location. Despite being labeled as an out-of-network service by my... View More

1 Answer | Asked in Insurance Bad Faith and Insurance Defense on
Q: Advise Shale's insurers whether they can successfully exercise rights of subrogation against KTL and REP

Kakuru Methanol Limited agreed to sell to Shale Uganda Limited “Know-how” in connection with the design, construction and maintenance of a methanol plant in Uganda. Advise on the design and operation of the plant was provided by Kakuru Technology Limited (“KTL”) a subsidiary of Kakuru... View More

Tim Akpinar
Tim Akpinar
answered on Nov 22, 2023

It would be helpful to see the way the policy is written. Also, it's possible this could involve laws of Uganda. Good luck

1 Answer | Asked in Insurance Defense for Louisiana on
Q: Do I have to pay a claim even though I wasn’t at fault he back out of a parking spot and hit me no insurance for me.

I recieved a letter in the mail from a collection agency saying I have to pay a claim of 5000 or to have my license suspended even though I wasn’t the one at fault I have pics it was on Walmart parking lot so the police wouldnt come out. The insurance company said they’re customer saying I hit... View More

Tim Akpinar
Tim Akpinar
answered on Dec 1, 2023

A Louisiana attorney could advise best, but your question remains open for four weeks. You raise a valid point in your defense - you should discuss this further with your carrier, and/or a Louisiana attorney. Good luck

2 Answers | Asked in Car Accidents and Insurance Defense on
Q: I was driving my friends car without her consent and i crashed it didnt have insurance but i had insurance for my car

I have insurance for my car

My friends car didn’t have insurance

It was non permissive driving

I have a non owned automobile coverage

Joel Gary Selik
Joel Gary Selik
answered on Nov 5, 2023

Your insurance will cover injuries caused by you in the crash.

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2 Answers | Asked in Car Accidents and Insurance Defense for Montana on
Q: I was in a accident with a friends vehicle. No one is injured but my insurance wants me to record a statement.

I slid out on ice and hit my friends car. I have never dealt with an insurance company before and I want to make sure I don't get taken advantage of. What should my course of action be?

Joel Gary Selik
Joel Gary Selik
answered on Oct 31, 2023

Your concern is warranted.

Your insurance policy likely requires you to give a statement. It is probably unnecessary for you to have an attorney but you can hire someone to be with you if you would like.

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1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Animal / Dog Law for Ohio on
Q: Seeking advice on a Pet Insurance Claim. My policy covers Congenital Heart Disease. A defect occurring at birth.

My policy w/MetLife started the day I brought my Rottweiler home at 8 wks.Comprehensive Wellness & Accident & Illness.No heart murmur was heard at the 6wk check w/her breeder.I took her to her first wellness visit A heart murmur was noted but no real concern as murmurs are very common in... View More

Nicholas P. Weiss
Nicholas P. Weiss
answered on Oct 25, 2023

You may have a claim for bad-faith insurance coverage against met-life for refusing coverage. This can result in hefty punitive damages and attorney fees for refusing to reasonably provide insurance coverage.

1 Answer | Asked in Contracts, Civil Rights, Insurance Bad Faith and Insurance Defense for Florida on
Q: Physician orders require me to visit family to overcome depression. My LTC insurance deducts from my benefits. Legal?

Insurance provider says my policy only pays my custodial care if I am physically in my facility. I can visit my family but they deduct for each day I am away which is 4 days per month. i.e. $1,200 per month.

Charles M.  Baron
Charles M. Baron
answered on Oct 14, 2023

This issue likely depends on the language of your insurance policy. First, ask the insurance co. to tell you which specific section of the policy applies. Then, to be certain of your rights, consult an elder law attorney.

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