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Insurance Defense Questions & Answers
1 Answer | Asked in Health Care Law, Insurance Bad Faith and Insurance Defense for Louisiana on
Q: Blue Cross Blue Shield has been sending me someone else's mail for years. I told them to stop. Can I sue?

After years of dropping it in the slot marked "mail that's not yours," I finally called them to report it. I answered questions over the phone. They sent me a document, which I signed and returned stating I don't have any of the documents and haven't opened them. Also I... View More

Tim Akpinar
Tim Akpinar
answered on Mar 7, 2024

A Louisiana attorney could advise best, but your question remains open for a week. It doesn't sound like a case, for practical purposes. What damages did you suffer? This is only an individual opinion. Different attorneys could see the same matter differently. You could reach out to local... View More

2 Answers | Asked in Real Estate Law, Insurance Defense and Small Claims for Arizona on
Q: In the State of Arizona, can you be sued for more than the amount of an original claim? ($4,500)

Would lawyers be required? If so, who pays the lawyer fees?

Tim Akpinar
Tim Akpinar
answered on Mar 5, 2024

An Arizona attorney should advise, as this could be covered under state-specific civil procedure rules. However, your question remains open for two weeks. The short answer is "yes" in most jurisdictions nationwide. Sometimes interest is capped by statute, but claimants can sue for it.... View More

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2 Answers | Asked in Insurance Bad Faith and Insurance Defense for Tennessee on
Q: Hello, Is it necessary to list insurance policies in a living will or poa?
Anthony M. Avery
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answered on Feb 12, 2024

You need to talk to an attorney. Neither a living will nor a poa have anything to do with devising and bequeathing property at death.

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1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Tennessee on
Q: My auto insurance company did a non renewal without giving me any notice. What are my options? I am In Tennessee.
Anthony M. Avery
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answered on Feb 6, 2024

No legal options. Carrier can contract with or not. Get insurance elsewhere.

1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Traffic Tickets for South Carolina on
Q: Can an insurance company deny my wife insurance because of my driving record?

My license is suspended, Nobody wants to insure my wife

Tim Akpinar
Tim Akpinar
answered on Feb 25, 2024

A South Carolina attorney could advise best, but your question is remains open for four weeks. One option might be to check with the South Carolina Dept of Insurance, as well as entities that oversee consumer rights. Good luck

5 Answers | Asked in Car Accidents and Insurance Defense for California on
Q: being sued from auto accident and they are making false claim what to do ?
James L. Arrasmith
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answered on Jan 26, 2024

If you are being sued from an auto accident in California and believe the claims against you are false, it's important to take immediate action. First, inform your auto insurance company about the lawsuit, as they are typically involved in defending against such claims under your policy. They... View More

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1 Answer | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Texas on
Q: If you get into an accident and one person is at fault, is it necessary for both people to exchange insurance?

If you have a link to a source that answers this question or supports the answer, it would be super helpful.

Joel Gary Selik
Joel Gary Selik
answered on Jan 19, 2024

Yes both must exchange information. For example consider Texas Transportation Code Chapter 550

2 Answers | Asked in Personal Injury, Car Accidents and Insurance Defense for Texas on
Q: I was at fault for an accident and I’m having awful anxiety about being sued, it seemed minor at the time.
Gregory S Baumgartner
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Gregory S Baumgartner
answered on Jan 12, 2024

Being sued is certainly stressful, yet most of the time, needlessly. If this claim stems from an auto accident, contact your insurance company and let them handle the case and worry about it. If you have coverage, the insurance company will provide a qualified attorney to handle the matter. The... View More

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1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Missouri on
Q: On a stolen car claim, Are car insurance agents legally allowed to talk to and/or make decisions with anyone besides me?

Car was stollen, made a claim with insurance company, police found stollen car around 10 days later. Communication was very difficult with this agent, never answered phone calls, provided details, hardly returned phone calls ect. Anyways my boyfriend ended up calling her and leaving a and stern... View More

Tim Akpinar
Tim Akpinar
answered on Jan 25, 2024

A Missouri attorney could advise best, but your question remains open for two weeks. Until you are able to consult with a local attorney about state-specific laws that could be applicable, insurance companies nationwide do proceed with investigations on claims, and sometimes escalate to their... View More

1 Answer | Asked in Personal Injury and Insurance Defense for New York on
Q: Must a subpoena include "the annexed document" referred to in the subpoena? This is NY, the Supreme Court.
Jonathan R. Ratchik
Jonathan R. Ratchik
answered on Jan 8, 2024

A subpoena needs to describe the document or item requested with sufficient particularity as to enable the party served with the subpoena to produce the document or item. It does not need to include a copy of the document referenced in the subpoena itself.... View More

1 Answer | Asked in Criminal Law, Civil Rights, Domestic Violence and Insurance Defense on
Q: What lawyer do I get to sue Yolo county highway patrol? And U-Haul?

In May 2022 my ex-fiance and I were driving out to Capay,CA. To buy a vehicle. After arriving he started siphoning the gas out of the U-Haul to the car& hood was open to the U-Haul to jump the vehicle. In the middle of all this he started crying for some reason saying, I was having an affair... View More

James L. Arrasmith
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answered on Jan 6, 2024

For your situation, which involves potential legal issues with law enforcement and a private company, you would benefit from consulting an attorney experienced in civil litigation, particularly one who handles cases involving law enforcement actions and disputes with companies like U-Haul. The... View More

2 Answers | Asked in Personal Injury, Car Accidents and Insurance Defense for Tennessee on
Q: Do I need to fill out an Financial Affidavit for an accident. Is it better to fill it out or not?

My daughter was in an accident. The car and insurance was in my name at the time of the accident. The amount of the claim is $19,500 for hospital bills. My insurance covers up to $25,000 and that is what they are asking for. I do not have any assets or extra income for them to come after. I just... View More

Mr. James Charles Wright
Mr. James Charles Wright
answered on Jan 4, 2024

You likely have a lawyer provided by your insurer if you are at this point. the lawyer should be able to advise you as to your best next step- to provide the affidavit or not- and what to include/ disclose. If you want to get a second opinion - you would probably need to show the affidavit to a... View More

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2 Answers | Asked in Personal Injury, Car Accidents, Insurance Bad Faith and Insurance Defense for California on
Q: Can I sue my car insurance company?

My insurance company has left my totaled vehicle in my name without paying any necessary fees - now we have a lien. They have grossly failed in defending me as their customer in a few ways and I would like to know if there are any options in pursuing legal action against them. Happy to give more... View More

James L. Arrasmith
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answered on Jan 3, 2024

Under California law, it is possible to pursue legal action against your car insurance company if they have failed in their obligations towards you as a policyholder. If your insurance company has not fulfilled its contractual duties, such as handling claims properly, paying necessary fees, or... View More

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2 Answers | Asked in Insurance Bad Faith and Insurance Defense for Georgia on
Q: Car Accident on Nov 6th. Not at fault. Car insurance from the at fault party claims they can't resolve it.

The adjuster for the at fault party's insurance claims he can't find his client. He claims that he can't resolve our situation until he can find his client and get information from him. I don't believe that is our problem, especially nearly 2 months in. State Georgia, county... View More

T. Augustus Claus
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answered on Dec 29, 2023

If you've been involved in a car accident in Georgia and the at-fault party's insurance is claiming difficulties in locating their client, it's advisable to take certain steps to protect your interests. Firstly, document all communication with the at-fault party's insurance,... View More

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1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Colorado on
Q: My insurance is requesting all bank, phone , text and social media records. Do I have to do this?

My claim was made November 27th. I was told they had 48 to respond. First attempt made on their end was December 1st which I missed the call and spoke to no one until 17 days after. They are questioning the time I made payment which was on November 24th ?? I got paid Friday I paid Friday. I am... View More

Tim Akpinar
Tim Akpinar
answered on Jan 2, 2024

A Colorado attorney could advise best, but your question remains open for two weeks. I'm sorry for your ordeal. One option could be to consult with a local attorney to review the file, reports, and claim documents in detail and evaluate the relevance of information requests. Good luck

2 Answers | Asked in Insurance Defense and Car Accidents for Michigan on
Q: Can someone make a claim on your insurance if they don’t have insurance?

I simply bumped someone on the road, technically my fault. No damages, we don’t call the cops but I provide my id and insurance bc I’m dense. She texts me two days later asking for money for a deductible and when I tell her I’m not responsible she states if I pay her, she will not go through... View More

Tim Akpinar
Tim Akpinar
answered on Jan 20, 2024

Addendum - if you do reach a settlement, make sure that you have a signed release from the other side. A well-drafted release form confirms settlement terms and serves to wrap up the claim without leaving any loose ends. If your carrier agrees to make a payment, they will require a release anyway.... View More

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1 Answer | Asked in Insurance Defense and Landlord - Tenant for California on
Q: Can a tenant contractually waive Landlord from Landlord liability insurance in California?

The tenant will be subletting out the rooms that she's renting. She also has a separate contract with the Landlord to be their property manager in this case. Would the Landlord still be liable for injuries to sub-tenants and their guests or damages to the property besides usual wear and tear?... View More

James L. Arrasmith
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answered on Dec 20, 2023

In California, while a tenant can agree to certain responsibilities in a lease agreement, a landlord cannot contractually waive all liability, especially in regards to injury or harm that may occur on the property. The landlord maintains certain legal responsibilities for the safety and maintenance... View More

1 Answer | Asked in Traffic Tickets and Insurance Defense for Oklahoma on
Q: I got a ticket for no insurance and the day after I got insurance taken care off but I have a mandatory court date
Tim Akpinar
Tim Akpinar
answered on Dec 27, 2023

An Oklahoma attorney could advise best, but your question remains open for two weeks. Unfortunately, the insurance coverage is not retroactive. You would need to defend or discuss with an attorney defending the ticket/charge. Good luck

1 Answer | Asked in Insurance Bad Faith, Health Care Law and Insurance Defense for New Jersey on
Q: Where do I find a successful attorney for insurance denial of services?

Residence is Robbinsville NJ.Employment is Philadelphia SEPTA through Independence BC/Keystone Health Plan East.

Tim Akpinar
Tim Akpinar
answered on Dec 12, 2023

Attorneys here can't respond with offers of their services - the format here is limited to general Q & A; no referrals or solicitation. One option could be to supplement your own independent attorney searches with the "Find a Lawyer" tab above. It lists attorneys by region and... View More

1 Answer | Asked in Consumer Law and Insurance Defense for Pennsylvania on
Q: I paid 7,450.00 + for OOP expenses IBX. My large hospital bill randomly audited to say I paid 0. I'm out cash. No reaso

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Tim Akpinar
Tim Akpinar
answered on Dec 20, 2023

A Pennsylvania attorney could advise best, but your question remains open for two weeks. If you have proof of payment, such as banking records, present it to them. You could ask them to rectify the error. If this is not productive, you could consult with a local attorney to outline your options.... View More

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