I have testicular issues that can only be resolved by the removal of my testicles, while also aiding in my idea of a child-free life but my complications make a vasectomy unable to be performed according to my urologist

My broker did not offer me new car replacement on my policy. My car is now totaled. Can I sue my broker for not offering this on my policy?

Timothy Denison
answered on Sep 5, 2024

No. But you likely need to find a new insurance agent.

Long-term disability was approved and after almost 2 years they discontinued insurance with no notice. That discontinued for me and the family. The company has not told me why or how this happened. The insurance company does not know why or how. I keep getting a runaround with no insurance that is... View More

Tim Akpinar
answered on Jul 22, 2024

A Kentucky attorney could advise best, but your question remains open for a week. If you could demonstrate that the termination was tied to a reluctance to honor a disability claim, you might have elements of bad faith there. You'd need to demonstrate that the termination of coverage was... View More

I was in a automobile accident 90 days ago. I have State Farm insurance comprehensive and collision. I have went back and forth about my injury and the fair market value. I went to the doctor about hip and back hurting . The dr wanted me to have a mri . Went i went to my appointment they informed... View More

Tim Akpinar
answered on Apr 23, 2024

A Kentucky attorney could advise best, but your question remains open for a week. Try to set up a free consult with a Kentucky attorney who handles such cases. Your doctor may need to work with you on the denial of the MRI. MRIs are big-ticket items, at around $1,000 a pop for cervical or lumbar... View More

I want to know how legal it is. Also the entity receiving the claims has changed it's name multiple times and I want to know how legal that is as well. I already submitted it to the state with my evidence.

Timothy Denison
answered on Sep 29, 2023

All sounds sketchy. Smacks of fraud any likely illegal!

it was raining the hill was wet i barely side swipped vehicle and i flipped 3 times landing on my top i didnt know the car had no insurance it was a friends but it happened in july of 2018 its now aug of 2022 isnt there a time limit she had to sue me to begin with

Timothy Denison
answered on Aug 12, 2022

Depends. Generally, suit can be filed on an auto accident case in Kentucky within 2 years from the date of the accident or within 2 years of the last PIP payment, whichever is later. So, depending on the date of the last PIP payment to her for her injuries, she may or may not be able to bri g the... View More

My mother had a vehicle that was in my name that I wanted back for my wife to drive so we traded my mother my wifes vehicle (in her name) to my mother for the vehicle that was in my name. My mother sells my wifes car to my wifes parents and her stepdad got a DUI in her vehicle. We tried to get them... View More

Timothy Denison
answered on Jun 10, 2021

Yes. DUI, no tags, no insurance convictions.

I was rear ended in a mcdonald's drive thru. no injuries. minor damage to the vehicle that needs to be repaired. I just bought the vehicle and it was my first ever big purchase in life other than my home. i have insurance. the driver had insurance. the driver's mother is the policy owner... View More

Tim Akpinar
answered on Jul 26, 2020

A Kentucky attorney could advise best, but your question remains open for three weeks. It's your decision, but if you do go that route, the judge could ask if there is insurance to cover the damages. Unfortunately, this type of situation is common when there are delays in providing carrier... View More

the neighbors. I have reported them to the police and I did not keep this fact from the insurance. the first claim was a fire, they covered the loss. now it's braking and entering and the siu is hassling me.

Timothy Denison
answered on Sep 30, 2019

They should not deny your claim if it is a covered event, whether it has been five months or five years since the last claim.

When policy was bought the rates were never to go up. The original company was bought out and then that company was bought out. And each buy out the rates were increase. Is this ok for those insurance company's to do?

Timothy Denison
answered on Jun 19, 2018

To properly answer, one would need to see your policy of insurance, but the answer is likely no.

My daughters friend was driving my daughters car & caused an accident. She totaled her car & caused damage to the other car. My daughter went to file a claim but her insurance had lapsed due to non payment. She got a new bank card & forgot to report it to the insurance company. My... View More

Peter N. Munsing
answered on Mar 2, 2018

Generally as to the other vehicle, the policy covering the car is primary, driver of daughters car secondary.

Daughter needs to see if she got a notice of cancellation. If not, may be able to claim coverage--would have to speak with a member of the Ky Assn for Justice that handles bad faith... View More

I was in a wreck. Not my fault. Other parties insurance paid for my rental car. The rental company charged my credit card a fee for comprehensive insurance. I was told by other insurance that they would pay for it, n than they refused to pay for it. I have the recorded phone conversation from the... View More

Peter N. Munsing
answered on Oct 5, 2016

If it's not your fault and you were hurt, you have an injury case and may get medical benefits off of the insurance, so I'd check that out first before you sue the insurance.Talk to a member of the Kentucky Justice Association. They give free consultations.