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Texas Insurance Defense Questions & Answers
2 Answers | Asked in Insurance Defense and Workers' Compensation for Texas on
Q: Are schedule injury benifits suspended from when i was arrested and incarcerated or when i was convicted ?

My conviction was overturn after 7 years. Can i get the $500. Schedule injury back pay ? Arizona workman comp.+

S. Michael Graham
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S. Michael Graham
answered on Dec 10, 2018

When you start missing time from work, so it would normally be from the date of incarceration.

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2 Answers | Asked in Insurance Bad Faith and Insurance Defense for Texas on
Q: I have full coverage insurance and had an accident only involving my car,my insurance said they are not liable

I was driving my car when the drive shaft broke off,as a result I lost control of my car and had to break hard and suddenly to prevent an running into anything. My children and I both are experiencing whiplash..pain in neck/head,stiffness ect. I called my insurance because I wasn't sure what... View More

Reid Adam Winthrop
Reid Adam Winthrop
answered on Jul 27, 2018

If you have liability only insurance, then you are likely not covered for any damage or harm to you or the passengers of your vehicle. You should review your policy to determine the coverages.

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1 Answer | Asked in Car Accidents and Insurance Defense for Texas on
Q: Had a car accident yesterday. There were no physical injury. I am looking to sue the person that hit me.

My car is less than a year old and due to the accident, the value of my car will decrease significantly. I do not need a personal injury lawyer since there is not physical injury. What of lawyer would I need for this process?

Sadat  Montgomery
Sadat Montgomery
answered on May 10, 2018

I would recommend searching for an attorney who handles "diminished value" property damage claims in El Paso. The bad part is that you may find it difficult to find an attorney who will take such a case on contingency (no-win no-fee), but there's no harm in reaching out to a couple... View More

1 Answer | Asked in Civil Rights, Car Accidents, Civil Litigation and Insurance Defense for Texas on
Q: I have been served papers for a civil lawsuit I gave copies to my past employer and insurance Co. What do I reply saying

I had gotten hit in my company van. my employer fired me shortly after the man hit my company vando to being a liability. I just got served papers. i know to give them a copy they signed for, and also my insurance company did also. the paperwork says to reply within 20 days. who and what am I... View More

Kim Jones Penepacker
Kim Jones Penepacker
answered on Apr 5, 2018

As soon as possible, you should hire a personal injury defense attorney to assist you in filing an Answer with the Court. Failure to do so could result in a default judgment being entered against you, which would be a judgment in favor of the Plaintiff(s) that you would likely have to pay. A... View More

1 Answer | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Texas on
Q: Son got in a car accident 2 days after we bought the vehicle and is not insured

We recently purchased a used 2016 Ford Mustang for my son for his 18th birthday which is on January 3rd. Until then, I did not want him driving due to him not being insured. 2 Days later, I gave him permission to drive to run some errands and pay some bills for us since me and his mother are away... View More

Steven Pate Harrelson
Steven Pate Harrelson
answered on Dec 29, 2017

You should check your insurance policy to determine whether he was an excluded driver. It's possible that your insurance will still cover the accident, depending on the insurer. However, it's likely that there's an exclusion for allowing someone to drive the car who is not a... View More

1 Answer | Asked in Car Accidents and Insurance Defense for Texas on
Q: A lady hit my car from the right back side because she had failed to yield. She didn’t have insurance, what do I do now?

She made a claim in my insurance & they sent me a letter saying, “ it may be my fault” when the police told both of us that it she was at fault. What do I do??

David Scott Snellings
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David Scott Snellings pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Oct 5, 2017

My suggestion would be to speak with a personal injury attorney as soon as possible. A knowledgeable personal injury attorney can work to determine if the other driver, in fact, does not have any insurance as well as look at your own insurance policy to determine if there might be coverage there... View More

2 Answers | Asked in Insurance Defense and Car Accidents for Texas on
Q: What can a person do if they didn't take my insurance 2 months ago after I hit their car! And now asking me to pay it

Said he wanted to fix car but car hasn't worked in a year for his wife to get out his truck now sayin he will 2000 on trade in value so he wants 2000 and he wants to scrap the car but he never took my insurance the day of the accident it's been 2 months since I heard from the guy until... View More

Peter N. Munsing
Peter N. Munsing
answered on Sep 5, 2017

You owe him cost of repairing the damage you did or the total loss value, whichever is less. If you want to contest it tell him you will pay cost of fixing what you did. If that is less than 2000, offer that. If it's more than 2,000 you may be getting a deal.

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1 Answer | Asked in Traffic Tickets, Insurance Defense and Car Accidents for Texas on
Q: Ok so i bumped into another vehicle and I was trying to be responsible and give my information but the other driver...

Was very rude and uncooperative with exchanging information and he kept threatening to call the police even though I asked him to like 5 times. Any way there was no damage and no police report but he wants to make a claim and we both took pictures yet what the cars look like is different from what... View More

Peter N. Munsing
Peter N. Munsing
answered on Sep 5, 2017

Let your insurance handle it. He has a case for what you think he does. He wants to make a big deal. Time to call in those you pay a premium to handle such things.

1 Answer | Asked in Insurance Defense and Car Accidents for Texas on
Q: Insurance company said my truck is totaled and it is still drivable. Do I have the right to second opinion?
Peter N. Munsing
Peter N. Munsing
answered on Jul 12, 2017

Totaled means the cost of fixing is more than the book value.It could be driveable but because of age it's book value is low. They aren't required to pay more than book value. Example: you own a 67 Dodge dart, good to 240,000k You have 120k and they offer you book value of $300. If... View More

1 Answer | Asked in Personal Injury, Traffic Tickets, Car Accidents and Insurance Defense for Texas on
Q: IF AN INSURANCE COMPANY ADDED AN "EXCLUDED DRIVER" TO SOMEONE'S POLICY.. WITH THE WRONG NAME, BIRTH DATE, & RELATIONSHIP

WHO WOULD BE AT FAULT? THE "EXCLUDED DRIVER" WAS NEVER MEANT TO BE ADDED.. BUT ONLY GIVEN A QUOTE OF AN ADDED DRIVER, WITH NO RELATION TO THE INSURED DRIVER. A FRIEND ADDING A FRIEND BASICALLY. THE INSURED DRIVER HAS BEEN NOTIFIED TO SEND "PROOF" OF THE WRONGFULLY ADDED EXCLUDED... View More

Peter N. Munsing
Peter N. Munsing
answered on Feb 7, 2017

If the excluded driver wasn't driving they can't get all technical when the crash happens. Makes sense to talk to a member of the Texas Trial Lawyers who handles bad faith. In the meantime, confirm what they are doing--that they agree the car was driven by the person who had the policy;... View More

1 Answer | Asked in Insurance Defense for Texas on
Q: If a Will and a Power of Attorney are exacuted at the same time are they both legal?

My brother-in-law left a Will and a Power of Attorney. He named my husband as his agent in the Power of Attorney and left some else as executor of his Will. Does the Will revoke the POA?

Nancy Hui
Nancy Hui
answered on Oct 29, 2014

No. Power of attorney is in effect only while the principal is alive. Once the principal dies, Power of attorney automatically terminates. A will on the other hand governs how/to whom the person wants his assets to go after death. There are no conflicts wth these two documents.

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