California Insurance Bad Faith Questions & Answers
Q: I have a rv trailer when I used it last summer everything was fine when I opened it this summer I have water damage.
William John Light's answer
Impossible to say. You would need expert testimony from a vehicle appraiser or property damage estimator on the cause of the water damage and whether it was a maintenance issue or from a covered loss.
Impossible to say. You would need expert testimony from a vehicle appraiser or property damage estimator on the cause of the water damage and whether it was a maintenance issue or from a covered loss.
Q: If a driver hit and totaled my parked car, is her insurance company responsible for providing me a rental car?
4 Answers
| Asked
in
Car Accidents and Insurance Bad Faith
for
California
on
Answered on Aug 28, 2018
Answered on Aug 28, 2018
William John Light's answer
Her insurance company will pay for damages she caused, up to policy limits. If your damages exceed those limits, you can submit your claim to your own insurer (hopefully your purchased rental car coverage), or you can refuse payment from her insurer and sue her in Small Claims for the total amount of your damages. Her insurer will still pay its policy limits, but you will have a judgment against her for the remainder. Whether or not you would ever recover on that judgment is unknown. She...
Her insurance company will pay for damages she caused, up to policy limits. If your damages exceed those limits, you can submit your claim to your own insurer (hopefully your purchased rental car coverage), or you can refuse payment from her insurer and sue her in Small Claims for the total amount of your damages. Her insurer will still pay its policy limits, but you will have a judgment against her for the remainder. Whether or not you would ever recover on that judgment is unknown. She...
Q: What are my options?
2 Answers
| Asked
in
Personal Injury, Car Accidents and Insurance Bad Faith
for
California
on
Answered on Aug 28, 2018
Answered on Aug 28, 2018
Dale S. Gribow's answer
More info needed
It sounds like u were not injured?
PI lawyers will handle cases like this on A contingency... when there is an injury and offer free consult
More info needed
It sounds like u were not injured?
PI lawyers will handle cases like this on A contingency... when there is an injury and offer free consult
Q: Someone just filed a lawsuit against my company, they claim while unloading heavy boxes, but we have proof it didnt happ
2 Answers
| Asked
in
Business Law and Insurance Bad Faith
for
California
on
Answered on Aug 26, 2018
Answered on Aug 26, 2018
William John Light's answer
Notify your insurance company. It will appoint an attorney to defend you and assert all appropriate defenses. Provide the video to the attorney.
Notify your insurance company. It will appoint an attorney to defend you and assert all appropriate defenses. Provide the video to the attorney.
Q: what is the statue of limitation if I want to take my insurance company to small claim court?
1 Answer
| Asked
in
Business Law, Contracts and Insurance Bad Faith
for
California
on
Answered on Aug 21, 2018
Answered on Aug 21, 2018
Thomas A. Grossman's answer
In most cases the statute of limitations on a claim against your own insurance company for bad faith is one year (one year from the date of the bad faith). Sometime, it can be two years depending on the facts. I am not sure if he Small Claims Court handles insurance bad faith cases, but you may have already gone past the statute of limitations. You can get information on filing small claims cases from the nearest Superior Court in your County.
In most cases the statute of limitations on a claim against your own insurance company for bad faith is one year (one year from the date of the bad faith). Sometime, it can be two years depending on the facts. I am not sure if he Small Claims Court handles insurance bad faith cases, but you may have already gone past the statute of limitations. You can get information on filing small claims cases from the nearest Superior Court in your County.
Q: i am trying file small claim court, but can't find the representative for state farm insurance in CA, or the #entity?,
William John Light's answer
Check this:
https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?event=companyProfile&doFunction=getCompanyProfileResults
Check this:
https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?event=companyProfile&doFunction=getCompanyProfileResults
Q: I got rear ended the insurance took fault and are getting me a rental, can i make them pay the deposit?
1 Answer
| Asked
in
Civil Litigation, Insurance Bad Faith and Insurance Defense
for
California
on
Answered on Aug 20, 2018
Answered on Aug 20, 2018
William John Light's answer
Depends whose insurance is paying. If it's the other party's, usually it requires you to pay those expenses upfront and then reimburses you at the end. If it's your insurance, ask the adjuster. Unclear if the deposit gets refunded to you or is applied to your rental charges.
Depends whose insurance is paying. If it's the other party's, usually it requires you to pay those expenses upfront and then reimburses you at the end. If it's your insurance, ask the adjuster. Unclear if the deposit gets refunded to you or is applied to your rental charges.
Q: What will happen at court for a car accident with no insurance?
2 Answers
| Asked
in
Car Accidents, Insurance Bad Faith and Insurance Defense
for
California
on
Answered on Aug 15, 2018
Answered on Aug 15, 2018
Manuel Alzamora Juarez's answer
Not sufficient facts to answer your question. But, let's assume you were the cause of the accident. First, you stand to lose your driver's license if you do not present proof of insurance to the DMV. I you have money and property, then you may be liable for all the expenses to the injured person. If you were the injured person, then, you may only recover for economic damages and out of pocket damages but not for pain and suffering because the insurance lobby got the law passed that drivers...
Not sufficient facts to answer your question. But, let's assume you were the cause of the accident. First, you stand to lose your driver's license if you do not present proof of insurance to the DMV. I you have money and property, then you may be liable for all the expenses to the injured person. If you were the injured person, then, you may only recover for economic damages and out of pocket damages but not for pain and suffering because the insurance lobby got the law passed that drivers...
Q: CA. My Ins. total car based on their $ value my shop is less by 1100.00 they denied bid. Ca. law gives choice of shop.
William John Light's answer
There is no bright line in CA as to a total loss. Usually, it is at 75% of the actual cash value of the car. You painting the care yourself doesn't mean that the cost of painting isn't included in the cost of repairs. It still has to be painted. You currently at 68% of ACV, and it probably goes over 75% once paint is included. Further, with an estimate of 68%, there are frequently additional damage that will be discovered during the course of repair, pushing the cost even higher. In other...
There is no bright line in CA as to a total loss. Usually, it is at 75% of the actual cash value of the car. You painting the care yourself doesn't mean that the cost of painting isn't included in the cost of repairs. It still has to be painted. You currently at 68% of ACV, and it probably goes over 75% once paint is included. Further, with an estimate of 68%, there are frequently additional damage that will be discovered during the course of repair, pushing the cost even higher. In other...
Q: My health insurance cancelled my policy in the middle of treatment, Can i sue them? how can i get a probono?
William John Light's answer
Contact some ERISA attorneys to discuss your case. It's a pretty specialized area of law. You won't get an answer on Justia.
Contact some ERISA attorneys to discuss your case. It's a pretty specialized area of law. You won't get an answer on Justia.
Q: hello my car experienced some water damage while at the dealership and my vinyl, upholstery and window are damaged.
2 Answers
| Asked
in
Car Accidents and Insurance Bad Faith
for
California
on
Answered on Jul 21, 2018
Answered on Jul 21, 2018
William John Light's answer
If you have comprehensive insurance coverage, it will pay to repair the damage, minus your deductible. If not, you will probably have to sue the dealership for the property damage. Bring before and after photos, and estimate/receipts for repair.
If you have comprehensive insurance coverage, it will pay to repair the damage, minus your deductible. If not, you will probably have to sue the dealership for the property damage. Bring before and after photos, and estimate/receipts for repair.
Q: MY TTD BENEFITS STOPPED FOR NO REASON.I HAVE OFFICIAL PROOF THAT SHES WRONG. CAN I FILE A CLAIM AGAINST MY EMPLOYER ..?
1 Answer
| Asked
in
Employment Law and Insurance Bad Faith
for
California
on
Answered on Jul 14, 2018
Answered on Jul 14, 2018
William John Light's answer
If there is "no reason", how can "she" be wrong? To be wrong, "she" must have had a reason. It makes no sense.
You need to consult with a workers compensation attorney. Do a Google/Bing/Yahoo search for your area and make some calls; or, talk to your HR Dept.
If there is "no reason", how can "she" be wrong? To be wrong, "she" must have had a reason. It makes no sense.
You need to consult with a workers compensation attorney. Do a Google/Bing/Yahoo search for your area and make some calls; or, talk to your HR Dept.
Q: When am I able to go after money from the other person's insurance?
William John Light's answer
If someone else is at fault, you are free to make a claim to their insurance at any time within the statute of limitations. If you cannot negotiate a resolution, you can file suit against the at fault person within 2 years of the date of the collision (assuming your case is an auto accident).
If someone else is at fault, you are free to make a claim to their insurance at any time within the statute of limitations. If you cannot negotiate a resolution, you can file suit against the at fault person within 2 years of the date of the collision (assuming your case is an auto accident).
Q: If i buy life insurance, then kill myself after 2 yrs or longer will they pay out the policy .
1 Answer
| Asked
in
Insurance Bad Faith and Insurance Defense
for
California
on
Answered on Jun 15, 2018
Answered on Jun 15, 2018
William John Light's answer
It depends on the language of the policy. You would have to read it, or have an attorney read it. This is a very poor idea. Please reach out to a mental health counselor, your pastor/priest, and/or family members. Suicide causes immense pain for your loved ones.
https://suicidepreventionlifeline.org/
It depends on the language of the policy. You would have to read it, or have an attorney read it. This is a very poor idea. Please reach out to a mental health counselor, your pastor/priest, and/or family members. Suicide causes immense pain for your loved ones.
https://suicidepreventionlifeline.org/
Q: What if you feel that you are a victim of a practice that was using you medical insurance for profit.
1 Answer
| Asked
in
Insurance Bad Faith, Medical Malpractice, Public Benefits and Personal Injury
for
California
on
Answered on Jun 5, 2018
Answered on Jun 5, 2018
Dale S. Gribow's answer
NEED MORE INFO
YOU MAY WANT TO CHANGE DOCTORS AND THEN REPORT THIS DOCTOR TO LAW ENFORCEMENT AND MED BOARD IF YOU HAVE THE EVIDENCE
NEED MORE INFO
YOU MAY WANT TO CHANGE DOCTORS AND THEN REPORT THIS DOCTOR TO LAW ENFORCEMENT AND MED BOARD IF YOU HAVE THE EVIDENCE
Q: Had inventory loss and interior damage at retail store in Beverly Hills. Getting the run around from all ins. companies.
William John Light's answer
For your own insurance company, you can either hire an attorney, or file a complaint with the State Insurance Commissioner. http://www.insurance.ca.gov/01-consumers/101-help/
If your landlord is in breach of the lease, you may have the right to withhold rent, or repair and deduct. Contact a business attorney or a landlord tenant attorney. For the roofing maintenance contractor, you may have the right to file a civil lawsuit, but you would want to join the landlord, so that is...
For your own insurance company, you can either hire an attorney, or file a complaint with the State Insurance Commissioner. http://www.insurance.ca.gov/01-consumers/101-help/
If your landlord is in breach of the lease, you may have the right to withhold rent, or repair and deduct. Contact a business attorney or a landlord tenant attorney. For the roofing maintenance contractor, you may have the right to file a civil lawsuit, but you would want to join the landlord, so that is...
Q: Pet insurance won’t pay my dog’s treatment due tu “pre-existent” condition.
1 Answer
| Asked
in
Animal / Dog Law and Insurance Bad Faith
for
California
on
Answered on May 23, 2018
Answered on May 23, 2018
William John Light's answer
The policy will define "pre existing condition". It probably doesn't require a pre existing diagnosis. However, in determining whether the insurer is accurately denying coverage, you have to examine the actual language of the policy.
The policy will define "pre existing condition". It probably doesn't require a pre existing diagnosis. However, in determining whether the insurer is accurately denying coverage, you have to examine the actual language of the policy.
Q: If a claimant withdrawals a claim due to errors of the examiner in an interview will you loose all your benefits f
William John Light's answer
The Government Pension Offset (GPO), reduces Social Security benefits paid to spouses or survivors when the spouse or survivor earned a pension from a government job that was not covered by Social Security. The GPO reduction is equal to two-thirds of the amount of the pension payment from noncovered government work (SSA 2012).
There are many SSI/SSD attorneys out there who can advise you on this. It is not the kind of question for a quick and easy response from the internet. You are...
The Government Pension Offset (GPO), reduces Social Security benefits paid to spouses or survivors when the spouse or survivor earned a pension from a government job that was not covered by Social Security. The GPO reduction is equal to two-thirds of the amount of the pension payment from noncovered government work (SSA 2012).
There are many SSI/SSD attorneys out there who can advise you on this. It is not the kind of question for a quick and easy response from the internet. You are...
Q: I am looking for a lawyer to help with a car accident insurance claim loss of vehicle.
3 Answers
| Asked
in
Car Accidents and Insurance Bad Faith
for
California
on
Answered on May 4, 2018
Answered on May 4, 2018
Peter Munsing's answer
First problem is valuation--unless you can get someone to say your daughter's "classic" is worth more than book that's all you get.
She has an injury claim and that would be the driver, but sounds like you /she may not have documented the injury.
Contact a member of CAOC. They give free consultations, will take the case on a contingent fee.
Good luck!
First problem is valuation--unless you can get someone to say your daughter's "classic" is worth more than book that's all you get.
She has an injury claim and that would be the driver, but sounds like you /she may not have documented the injury.
Contact a member of CAOC. They give free consultations, will take the case on a contingent fee.
Good luck!
Q: Small Claims Court plaintiff loss
William John Light's answer
The winning party can recover costs. That would include, for a defendant, the fee for filing an answer, and possibly a court reporter, if they requested one.
The winning party can recover costs. That would include, for a defendant, the fee for filing an answer, and possibly a court reporter, if they requested one.
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