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Michigan Insurance Bad Faith Questions & Answers
1 Answer | Asked in Personal Injury, Insurance Bad Faith and Landlord - Tenant for Michigan on
Q: I have pending civil action against a landlord, I fell through my porch causing serious injury.

Medical records show a torn rotating cuff and damaged lathriel, I am in the process of retaining Lee Free. I will need to have surgery I am in pain daily, my insurance keeps sending me to every specialist and clinic they can find. I feel this is because they know once I win the judgement I have to... View More

Tim Akpinar
Tim Akpinar
answered on Dec 13, 2023

A Michigan attorney could advise best, but your question remains open for two weeks. It may be because you are in the process of retaining an attorney, or may already have one on the case by now. Your attorney would be in the best position to advise here. Good luck

1 Answer | Asked in Insurance Bad Faith, Consumer Law, Banking and Insurance Defense for Michigan on
Q: Can my lending bank add insurance cost to my account for retroactive insurance?

I purchased a used truck in May 2023. As usual, I called the insurance company to add it to my policy on May 17, 2023, the date I purchased the truck. A couple months later, I received a letter from my bank stating that since they didn't receive documentation of insurance on my truck, that... View More

Tim Akpinar
Tim Akpinar
answered on Oct 17, 2023

A Michigan attorney could advise best, but your question remains open for three weeks. It isn't fully clear what caused the misunderstanding here - a local attorney could probably sort out better after reviewing the file in detail. But a financial institution can require insurance. Good luck

1 Answer | Asked in Consumer Law, Criminal Law, Civil Rights and Insurance Bad Faith for Michigan on
Q: What's the paper work that I need to file in court forcing HOA , doctors, facility or Insurance to perform their duty
Tim Akpinar
Tim Akpinar
answered on Aug 25, 2023

A Michigan attorney could answer best, but your question remains open for two weeks. It could depend on the context. In some cases, the paperwork can include legal filings to place a denied claim into suit if an insurance carrier will not pay a legitimate claim. But this is only a general... View More

1 Answer | Asked in Civil Rights, Insurance Bad Faith and Medical Malpractice for Michigan on
Q: Was off on disability from work and the company that handles the claims sent some of my medical paperwork to a Coworker

Was wondering if this is a violation of any laws and if it is can I do anything about it

Tim Akpinar
Tim Akpinar
answered on Jul 21, 2023

A Michigan attorney could advise best, but your question remains open for a week. It's possible it could involve HIPAA laws - you could try to set up a free initial consult with health care attorneys or repost and include that category. Good luck

1 Answer | Asked in Insurance Bad Faith for Michigan on
Q: Insurance company will no longer pay for restoration from hot water tank flood, what can i do?

clean up company already started cleaning the basement and removing drywall and demolition has started, but now the insurance company will no longer cover the cost.

Brent T. Geers
Brent T. Geers
answered on Feb 2, 2023

You need to talk with an attorney focused on insurance. It will matter whether claim was approved and for what work.

1 Answer | Asked in Insurance Bad Faith and Small Claims for Michigan on
Q: Can I file suite again my medical insurance company and the contractor for failure to provide transportation for me

My medical insurance company has a contract with a company that provide transportation and other services. The company has failed to provide over twenty rides to the doctor and physical therapy appointments. Can they be liable or held accountable for not accommodating.

Tim Akpinar
Tim Akpinar
answered on Dec 18, 2022

A Michigan attorney could advise best, but your question remains open for two weeks. Until you're able to speak with a local attorney to figure out if you have a case that's cost-effective to pursue, you could review your insurance policy to make certain of what it covers. In terms of a... View More

1 Answer | Asked in Insurance Bad Faith for Michigan on
Q: Do I have to pay for a ambulance trip if the city services never filed a claim with my insurance company?

Sued by a local city in Michigan for an Ambulance trip. That was never billed to insurance. But billed to my insurance on many other trips before and after this one. Was told that the time period to submit passed and I owed them, even though they never filed a claim to begin with. Even though they... View More

Tim Akpinar
Tim Akpinar
answered on Oct 29, 2022

A Michigan attorney could advise best, but your question remains open for two weeks. Until you're able to discuss with a local attorney so far as state-specific provisions go, in general, the provider has an obligation to submit bills to the insurance carrier on time. The patient has an... View More

1 Answer | Asked in Landlord - Tenant, Consumer Law and Insurance Bad Faith for Michigan on
Q: My storage was broken into, I filed a claim & made a police report. My claim was denied.

The thieves broke off both my locks and put their own locks on so I couldn't get into my storage. The storage company siding with the insurance company which I pay insurance on my storage monthly. My claim was denied.

Kenneth V Zichi
Kenneth V Zichi
answered on Jul 25, 2022

What exactly is your question?

I can’t imagine a storage company ‘siding with’ anyone. Had you paid your storage bill? The scenario is unclear.

If you didn’t pay your bill they COUKD have auctioned off you’d stuff for back rent and Re rented the unit to someone else who...
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1 Answer | Asked in Consumer Law, Civil Litigation and Insurance Bad Faith for Michigan on
Q: Do you believe this situation is worth pursuing from a legal & financial perspective? Is there precedent for this?

Hello & I appreciate your time & expertise.

I took my car to my Ins. Co.’s recommended Collisions Shop.While in for a complete tear down quote, the Shop caused additional damage to my car. They submitted a final quote to my Ins. Co. - which includes the cost to repair their... View More

Brent T. Geers
Brent T. Geers
answered on Jun 29, 2022

Probably not. Look, insurance is a business. It is probably not worth their while to fully investigate what might have happened, especially when clearly, the insurance company is paying a claim anyway, just to save a few bucks.

It is pre-arranged; insurance companies are most collision...
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1 Answer | Asked in Insurance Bad Faith for Michigan on
Q: Is my insurance company obligated to ship my car back to me from Pennsylvania after an accident if they rescinded

They towed it to a salvage yard and never gave me a status of my car.

Tim Akpinar
Tim Akpinar
answered on Jul 10, 2022

A Michigan attorney could advise best, but your question remains open for three weeks. Until you have a meaningful consult with a local attorney as to state insurance law requirements, something like this might depend on the individual policy. Nationwide, state laws do standardize certain aspects... View More

2 Answers | Asked in Real Estate Law and Insurance Bad Faith for Michigan on
Q: just purchased new build builder is not responding to the problems, roof leaks basement drains cloged outside grade bad

What do I do?

Kenneth V Zichi
Kenneth V Zichi
answered on Jan 31, 2022

Have you submitted a written 'punch list' of items to be fixed/finished?

Or have you made the final payment accepting the property as is?

If the later, you may have a hard time.

It is hard to say what you should do next without also knowing what you have done so...
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1 Answer | Asked in Insurance Bad Faith, Contracts, Criminal Law and Employment Law for Michigan on
Q: I was injured at Ford Motor Co in Feb, 2017. Completed surgery on leg and knee. Not on back. Attorney said June 2020, MY

CASE IS TOO NEW TO BE HEARD.

It's been over 2 years. Where do I go from here?

Brent T. Geers
Brent T. Geers
answered on Jun 28, 2021

Workers comp claims take awhile. Your attorney probably knows very well the timeline and process. You could consult with another workers comp attorney, but they may tell you the same.

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Michigan on
Q: Why would a life insurance company ask what state and country you were born in?
Brent T. Geers
Brent T. Geers
answered on May 13, 2021

Risk analysis and calculation, as well as identity purposes.

1 Answer | Asked in Insurance Bad Faith for Michigan on
Q: My Michigan Insurance agent forgot to put medical Coverage on my Motorcycle.. I have had the same Insurance since 2009.

Is there any Recourse?

Adam B. Kutinsky
Adam B. Kutinsky
answered on Feb 8, 2021

I would need more information. Feel free to contact me to discuss it.

1 Answer | Asked in Products Liability and Insurance Bad Faith for Michigan on
Q: We rented two jet skis and one sucked up a rock. The owner refunded the rental but now wants damages and fee back.

He is threatening to sue us. What are our legal responsibilities? He wants the refunded rental fee back as well as the damage repair.

We were willing to pay the repair but not pay back the money he refunded us.

Tim Akpinar
Tim Akpinar
answered on Aug 20, 2020

A Michigan attorney could answer best, but your question remains open for five weeks. It could depend on the terms of the rental agreement, and possibly subsequent communications. Additional factors could also be relevant, in terms of the manner in which the jet skis were operated, and possibly the... View More

1 Answer | Asked in Business Law and Insurance Bad Faith for Michigan on
Q: May an insurance agent explain a competitor’s policy?
Tim Akpinar
Tim Akpinar
answered on Feb 9, 2020

If you're asking as an agent, it might be best to comply with standard operating procedures provided in company handbooks. Even though the industry is fairly transparent and everyone knows each other's product lines and pricing, following company protocols is the best bet. Good luck

Tim Akpinar

1 Answer | Asked in Car Accidents, Insurance Bad Faith and Personal Injury for Michigan on
Q: Can I get a new claim representative if the one I have is being difficult to work with
Tim Akpinar
Tim Akpinar
answered on Oct 19, 2019

You could ask for one if there is something very acrimonious in the chemistry in your working relationship. But for the most part, the role of a claim rep is adversarial to the claimant. The claim rep is not there to be a mentor or friend. Claim reps are highly intelligent, analytical, and... View More

1 Answer | Asked in Insurance Bad Faith for Michigan on
Q: I purchased a car from a reputable dealership which connected me to an insurance agent. The policy was fake. What next?

The sales rep at the dealership called an insurance agent for me, I've been paying for insurance but i don't have a real policy.

Tim Akpinar
Tim Akpinar
answered on Oct 18, 2019

A Michigan attorney could answer best, but your post remains open for four weeks. Contact the agent. Any licensed, reputable agent would take urgent steps to correct the matter. If there will be problems in setting up coverage with them, seek alternate insurance. By now, you've probably... View More

1 Answer | Asked in Business Formation, Consumer Law and Insurance Bad Faith for Michigan on
Q: Can a Financial Institution in Michigan add "Forced Place Insurance" on an Auto loan in light of the Wells Fargo suit?

On August 20, 2015, I entered into an Used Car Loan with People's Driven Credit Union (PDCU) in Southfield, MI for less than a $20k loan at 2.49% via Champs Auto Sales in Detroit, MI. My down payment was $5k & for six months I made timely payments of $420 ($2,520) then PDCU Forced Placed... View More

Adam Alexander
Adam Alexander
answered on Apr 20, 2018

If your auto loan has a provision permitting forced-placed insurance it is likely legal and enforceable. Did you let your insurance policy lapse? Or did you not carry the minimum amount of coverage called for in the contract? If so, the CU may be able to force it. I would have to read the contract... View More

1 Answer | Asked in Contracts, Estate Planning, Insurance Bad Faith and Consumer Law for Michigan on
Q: Does "best of my knowledge and belief" also cover recollection?

*****I am in the process of applying for life insurance.*****

During the process, I am asked to provide fairly detailed answers to the health questions (dates, numbers of dosages taken, etc.). And, some of the answers are about things that happened 15 or 20 years ago. At the end of the... View More

Kenneth V Zichi
Kenneth V Zichi
answered on Jun 23, 2017

If you told them "I don't know" and they pressed you to provide an answer anyway, they are probably not to be trusted.

If you said 'I don't know exactly' and they said 'can you provide an approximate time frame' that would be appropriate....
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