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Virginia Insurance Defense Questions & Answers
0 Answers | Asked in Insurance Defense and Small Claims for Virginia on
Q: contractor liability and property damage due to artificially redirected water to my unit

Hi! I am a tenant that just moved in to a ground floor Northern Virginia condo. Last week, my condo and my neighbor's condo flooded with muddy stormwater. This stormwater accumulated in trenches dug during electrical repairs and was artificially redirected towards are units during their work.... View More

1 Answer | Asked in Insurance Defense for Virginia on
Q: Who responsible(my insurance policy or neighbor insuranc policy)for replacement of my house siding damage by next home

My next house catch on fire and that damage one side of my house.

I file claim With my insurance company and They are checking my coverage and Providing claim amount based on my policy coverage. As per my understanding, since this is not my fault.They should go with neighbors insurance... View More

Tim Akpinar
Tim Akpinar
answered on May 24, 2024

A Virginia attorney could advise best, but your question remains open for two weeks. Until you are able to consult with a local attorney on state-specific laws and practices, you're correct. The way you describe is the way it's done in most places. Your insurance company might seek... View More

1 Answer | Asked in Products Liability, Collections, Insurance Bad Faith and Insurance Defense for Virginia on
Q: What should I do, enterprise wants me to pay them 14000 for damages to a vehicle I wrecked in Mexico a year ago.

Got into an accident in my truck.

Insurance paid for a rental car.

I went to Mexico in the enterprise rental car.

Got into an accident.

Enterprise had the vehicle transported to El Paso, Texas.

Enterprise tried to bill my insurance company, they denied the... View More

Joel Gary Selik
Joel Gary Selik
answered on Jul 25, 2023

Among other issues, what may be relevant is why your insurance company denied the claim.

1 Answer | Asked in Personal Injury, Civil Litigation and Insurance Defense for Virginia on
Q: My son is the President of a Fraternity at if current University. Will Personal Liability insurance will cover him?

My son is the President of a Fraternity chapter at if current University and I'm concerned about covering him in case of an incident or accident. So with that said, will personal liability insurance will cover him?

Tim Akpinar
Tim Akpinar
answered on May 13, 2023

A Virginia attorney could advise best, but your question remains open for two weeks. However, no attorney could really answer this question without seeing the terms of the policy. Your carrier could probably provide the most definitive guidance on this - they may be your best starting point. Good... View More

1 Answer | Asked in Insurance Bad Faith, Personal Injury, Car Accidents and Insurance Defense for Virginia on
Q: Can I still try and negotiate a settlement? And are insurance companies willing to settle on a low balance for long cas

I was injured in a car accident a couple years ago, and I was awarded a very small amount last year which wouldn't cover the full medical cost.I no longer have an attorney but I was told by an attorney, although he wouldn't represent me, that I could ask the health insurance if they had a... View More

Tim Akpinar
Tim Akpinar
answered on Apr 10, 2022

A Virginia attorney should advise you here, but your question remains open for two weeks. Your description contains many facts to sort out, and requires the guidance of a local attorney, not just a response based on general legal principles.

From what I can sort out, you were awarded a...
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1 Answer | Asked in Insurance Defense for Virginia on
Q: If an individual is denied a claim from the insurance company can that individual turn around and sue again

Driver hit pedestrian no charges filed on driver pedestrian found it fault insurance company investigated denied his claim from his lawyer can he turn around and Sue the driver

Tim Akpinar
Tim Akpinar
answered on Feb 7, 2022

A Virginia attorney could advise best, but your question remains open for two weeks. Something isn't fully clear here. It isn't clear if you sued in the first place. It sounds like you received a denial from the insurance carrier. That sounds like the determination of claim... View More

1 Answer | Asked in Insurance Defense for Virginia on
Q: Is it possible to negotiate a denied life insurance claim if the deceased forgot to submit evidence of insurability?

Any information is appreciated.

Tim Akpinar
Tim Akpinar
answered on Dec 20, 2021

A Virginia attorney could advise best, but your question remains open for two weeks. People do negotiate or contest their denials. Another possibility is to reach out to Viriginia attorneys who handle life insurance claims to discuss in more detail. Sometimes, it becomes necessary to litigate... View More

1 Answer | Asked in Insurance Bad Faith, Contracts, Criminal Law and Insurance Defense for Virginia on
Q: Is it legal to buy life insurance for more than 10 people that are acquaintances of yours? Assuming I have their consent

Relating to Maryland/Virginia

I have a lot of friends, and they are concerned with today's environment, and most are unable afford life insurance policies. If I were to buy life insurance for them and split profits with their selected beneficiaries, would it be difficult for me to... View More

Susan Fremit
Susan Fremit
answered on Jan 29, 2021

An attorney who specializes in insurance law would have a better idea about what you are asking.

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Virginia on
Q: My neighbor house caught on fire and the fire also damaged my house, who suppose to pay.

At the time of the fire, i didnt have homeowner insurance on my house and the insurance company refuses to pay for the damage of my house isnt it there responsibility to pay

Tim Akpinar
Tim Akpinar
answered on Oct 4, 2020

A Virginia attorney could advise best, but your question remains open for three weeks. To offer a meaningful response, one would need to see the policy and its scope of coverage. You could look into the cost of a brief consult with an attorney to outline your most cost-effective options. If there... View More

1 Answer | Asked in Insurance Defense and Estate Planning for Virginia on
Q: My husband was a beneficiary to an insurance policy for his mother. He passed away right before she did.

She was in Va. Who becomes the beneficiary now?

Nina Whitehurst
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Nina Whitehurst pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Feb 24, 2020

It depends on how the beneficiary designation in the life insurance policy was worded. If there is a contingent beneficiary, it would go to the contingent beneficiary. If there was no contingent beneficiary, then it might go to your husband's estate.

1 Answer | Asked in Car Accidents and Insurance Defense for Virginia on
Q: Rear ended the other car backing up while parking and his insurance claims that both are responsible for damages. Why?

I was recently involved in a Car accident at the University drive way where the other car backing up while parking on my way of lane. We shared our insurance info right after - no police involved. His rear end and mine front driver end, but his insurance company claims that in VA if both vehicles... View More

Jay Braddock Jackson
Jay Braddock Jackson
answered on Oct 14, 2019

I do not know which insurance company it is with which you are dealing, but their explanation of the liability is inadequate at best. Virginia is a contributory negligence state, which means that you have a claim against the other driver if you have not contributed to the fault in the accident in... View More

1 Answer | Asked in Insurance Defense and Probate for Virginia on
Q: My friend left me an insurance policy...family don't want to send it to me ...he died 3 months ago...how can I find out
Richard Sternberg
Richard Sternberg
answered on Oct 10, 2019

If you know the issuer of the policy, you can contact them. If you see that a probate estate has been filed, you can check the filings there, identify the policy, and make a claim if the policy has been included in the estate. If they will not cooperate and those sources are unsuccessful, a lawyer... View More

1 Answer | Asked in Products Liability, Insurance Bad Faith and Insurance Defense for Virginia on
Q: I was hit from behind and have a police report, yet the other driver's insurance company still denied my claim. how?

The insurance company said that since they were unable to get a statement from their insured that the claim was denied. However I have a police report with the report number that I already submitted to the company

Tim Akpinar
Tim Akpinar
answered on Aug 3, 2019

Depending on the practices of the claim examiner and/or insurance carrier, they may be waiting for all information to come in before reviewing and considering the claim for payment. Hopefully, their insured will cooperate in a timely manner and this will enable processing your claim.

It...
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2 Answers | Asked in Civil Litigation and Insurance Defense for Virginia on
Q: My daughter was rear ended. Other driver was charged. Their insurance is investigating whether to pay or not.

The charged driver that rear ended my daughter was driving her mothers vehicle. Their adjuster has deemed our vehicle totaled (maybe $5k). We had liability only so our insurance doesn't want to provide us any assistance. Their insurance is investigating if they will pay because driver... View More

F. Paul Maloof
F. Paul Maloof
answered on Jan 22, 2019

I regret that I do not handle car accident or car insurance claims. Sorry.

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1 Answer | Asked in Insurance Defense, Landlord - Tenant, Public Benefits and Social Security for Virginia on
Q: Term life ins policy owner/beneficiary, effect me if I choose to rent subsidized apartment housing, State of Virginia.

I'm low income on SSD (not SSI), I can't afford market rent. I'm owner of & been paying on a Term Life $15,000 policy for 13 years on my ex & need the proceeds to pay off bills so I can maintain my regular monthly expenses. My concerns are that if I choose to rent subsidized... View More

F. Paul Maloof
F. Paul Maloof
answered on Jan 18, 2019

I regret that I do not handle insurance policy maters. Sorry.

1 Answer | Asked in Traffic Tickets, Car Accidents, Insurance Bad Faith and Insurance Defense for Virginia on
Q: I was hit extremely hard from the side and was cited a tic for $30, went by ambulance to ER and didn’t give statement.

The lady was flying and I don’t feel I was fully responsible. It was a brand new car and I pd cash 4 days prior and my insurance said I didn’t upgrade it from insurance I currently had, which didn’t include collision. I’m responsible for damages on my car. If she were going the speed limit,... View More

Peter N. Munsing
Peter N. Munsing
answered on Apr 16, 2018

Don't give statments until you talk to a lawyer.Call a member of the Va Trial Lawyers Assn--they give free consults.

If you failed to yield you can be given a ticket.

Generally as she was contributorily at fault you can argue to your company she should have a proportional...
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1 Answer | Asked in Insurance Defense, Small Claims and Car Accidents for Virginia on
Q: I was hit by another vehicle while driving my father's vehicle. I have some pretty bad injuries. Who gets the settlement

I was not the driver at fault.

Christian K. Lassen
PREMIUM
Christian K. Lassen
answered on Apr 2, 2018

The car money goes to car owner, injury money to you, but you'll need representation to get maximum compensation

1 Answer | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Virginia on
Q: GAP insurance co refused to talk to me. Told me they were communicating with Geico. Now I'm stuck with balance.

I totaled my car in April 2017. The car was in my dad's name and I was listed as the co-signer. I had insurance though Geico and GAP coverage I purchased from the dealership. I had a concussion so my mom was taking care of most of the paperwork from the accident. She had a hard time getting... View More

Peter N. Munsing
Peter N. Munsing
answered on Jan 18, 2018

Talk to the lender. If yoiu still owed for sure they would let you know. But if you still owe, then call Gap, ask for a supervisor, explain what happened and as you are the insured,policy holder they must speak with you. If you get no satisfaction contact the Colorado AG's office of Consumer... View More

1 Answer | Asked in Insurance Defense and Medical Malpractice for Virginia on
Q: Hello, my daughter was born with a cleft lip and gum line. Do we have cause to not pay out of pocket for her surgeries?
Rich Nagle
Rich Nagle
answered on Feb 14, 2018

That depends on whether or not there was a breach of medical standards of care. Do you have reason to believe inappropriate care was given? If so consultation with a lawyer to review your claim would be the next step. www.trialhawk.com.

1 Answer | Asked in Car Accidents, Insurance Defense and Small Claims for Virginia on
Q: Warrant in debt claiming that I owe about 6500 to Geico Insurance.

I have been served with warrant in debt claiming that I owe about 6500 to Geico Insurance.

The incident happened in June of last year. I was driving at the intersection of glebe and columbia pike in Arlington when I rear endeded in to another car at the red light. The lady in the car in... View More

Jan F Hoen
Jan F Hoen
answered on Oct 19, 2017

Because you were uninsured, the claim would have been paid by the other driver's uninsured motorist coverage with GEICO. They now have the right to pursue you through subrogation for what they had to pay.

If you wish to contest the damages, you should retain counsel. GEICO will have...
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