Get free answers to your Insurance Defense legal questions from lawyers in your area.
Your current state is Ohio
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.
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 
APD Officer told me the ticket is No points and I can pay the fine online. Is this true?
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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.
Have brain injury from Tylenol
answered on Nov 9, 2024
I'm sorry about your brain injury. I'm not certain if this is an admiralty/maritime matter (a category chosen for the post). It looks more like product liability (injuries involving dangerous/defective products, including pharmaceutical drugs). There isn't very much detail to go by... View More
I hadn't stepped out the car, looked both ways and the car was going so fast that upon impact he kept going and screeched on brakes almost 500 feet away.
answered on Nov 6, 2024
Whether you are insured has no effect on whether you are liable. If you were negligent, you are liable. If the other driver was negligent, he is liable. However, you don't mention any injuries, so his liability, if any, appears to be limited to property damage to fix your car.
on October the 8th i ended up rear ending someone in an accident, i filed a claim with my insurance & was determined to be at fault. Now my insurance knows about the traffic infraction i received then from the police report. Which i am contesting with my traffic ticket attorney. So anyways, im... View More
answered on Nov 19, 2024
A Washington attorney could advise best, but your question remains open for two weeks. There are attorneys who handle insurance-related litigation. It sounds like you already have an attorney handling ticket-related aspects of the matter. In terms the insurance premium issues, it's worth... View More
provide rule governing response to amended pleading
answered on Oct 25, 2024
It depends on (A) what you mean by "opposition" to an amended complaint (motion to dismiss?, answer and affirmative defenses?), and (B) which court you're in (State or Federal, and if in State, which level (small claim or a level above small claim?). I therefore suggest you post a... View More
answered on Oct 23, 2024
Yes. A request for a copy of the accident report is reasonable. An insurance company can delay payment until a reasonable request for additional information from the policyholder is satisfied.
I own a cleaning business and a contractor wants me to do some work but before the give me access to properties they said I had to pay for the temporary refundable surety tax insurance. They said they wouldn't accept the business insurance I have
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answered on Oct 22, 2024
It’s wise to approach this situation with caution. Temporary refundable surety tax insurance isn’t a common requirement in standard business practices. Legitimate contractors typically rely on standard insurance policies to ensure coverage and compliance.
Paying for an unfamiliar... View More
Other person filed claim. Should I try to settle this with the person directly before getting a lawyer?
answered on Nov 1, 2024
A Colorado attorney could advise best, but your question remains open for two weeks. Your question about involving an attorney - it's an individual decision. If your matter involves only moderate property damage, there are no injuries, and you and the other side agree on fault, you could save... View More
answered on Nov 9, 2024
The short answer is that bad faith could apply to many different types of policies. A state or region is not included here, and state-specific laws could govern consumer rights involving insurance practices. One option could be to check with the Department of Insurance in your state - they... View More
If I’m the legal owner of a house and the property it sits on ( warranty deed in my name, no liens) can someone else get a insurance policy in there name on my property?
answered on Oct 18, 2024
It’s definitely an unusual situation. Typically, homeowners insurance is something the legal owner of the property would take out, since the purpose of the insurance is to protect the homeowner’s investment in the house and property. If you’re the legal owner, you should be the one holding... View More
I honestly didnt know. I am disabled, have a heart condition, and low income. I had a ticket 2 years ago for driving without insurance. My mom offered to take over my insurance and payments. . My mom is 73 and has never let me down in my 47 years. She received the notice and just assumed it was the... View More
answered on Oct 3, 2024
You may want to consult a competent bankruptcy practitioner about filing a chaper c7 bankruptcy which could discharge the debt.
I had a verbal agreement with a friend where she can use one of my cars and she'll cover the car loan payments. This worked for more than a year until she just recently disappeared and stopped paying. My concern is what are my lawful rights in here since the car is financed. What are my... View More
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answered on Oct 2, 2024
You may have a good chance to make an insurance claim for the car being stolen since that is really what happened here ... Disappearing with someone else's property, without paying for it, is theft.
The insurance denied that part of the claim due to wear and tear however they paid for the wall to be repaired. I have pictures that the wall was intact until it was towed out of the mud. There is no wear and tear it's a 2019 and I have never taken it out camping due to being in the shop. How... View More
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answered on Oct 3, 2024
Every case is unique, hence in circumstances like these—where your toy hauler was damaged during towing—and where the insurance company refused part of the claim—you should get advice from an attorney who can assess your particular circumstances. You could follow these guidelines:
Get... View More
answered on Sep 27, 2024
This is not a question, its a statement. Please ask a question with facts.
I was alone at my unit that night until another storage client drove up to my unit. She said a few words to me and left. When I realized my purse was gone I went to office immediately. I told them if incident & they could not get good view from camera footage. Also, told me they were not... View More
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answered on Sep 26, 2024
It sounds like you're going through a frustrating situation. Generally, insurance provided by a storage facility covers damage or theft of items inside the unit, not personal belongings like a purse stolen while you’re physically at the facility. You should review the terms of the insurance... View More
I own an El Paso, TX house my 88 year old mom is living in, and have discovered that the caregivers employed by my sister do not have any insurance of any kind. No liability insurance nor worker's comp.
This puts me at great risk, since a claim could wipe me out financially.... View More
answered on Sep 26, 2024
Under your circumstances, you should hire a licensed home health care company to provide care for your elderly mother. Hiring random people to act as caregivers for an elderly person sounds sus and is very risky.
The contract security company my company uses accidentally lowed a manually operated (push button) access control gate arm down on top of an employees car and caused about 1k in damages. Who is liable? The security company since they accidentally pushed the button and lowered the arm or my company... View More
answered on Oct 10, 2024
An Alabama attorney could advise best, but your question remains open for three weeks. If it's simply a matter of pushing the button by mistake, it's self-evident. If there are other issues raised - training was not provided, equipment was not maintained, equipment malfunctioned, layout... View More
I've been told that there's a police report with my name on it. I called the police to explain that it wasn't me and also sent them an email to clarify the situation. I even sent them pictures of my car showing no damage. Despite all this, my insurance company is still pressuring me... View More
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answered on Sep 18, 2024
It sounds like a stressful situation, but you're taking the right steps by communicating with your insurance company and providing evidence. Make sure to continue documenting everything. Keep copies of all emails and communications with the insurance company, including your phone call notes.... View More
What are the key legal arguments in Not at fault
No Insurance for my car
At fault does have insurance
My son was driving my car
My son don't live with me
My son and girlfriend are in pain
My son now is missing work
200 feet away when made... View More
answered on Sep 15, 2024
The legal arguments would be based on each driver's individual share of liability. As my colleague points out, blame could be assigned to both sides in a comparative negligence jurisdiction, based on their actions. In terms of percentages, that could be something that would be argued here by... View More
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