Your UIM comes into play... if... your 3rd party recovery is less than the limit of your UIM coverage (e.g. $300K). So if your recovery is $100K from another driver, then your UIM would cover the balance between the two policies (e.g. $200K). However, if you receive a $1mil. settlement... (or any... View More

There is a lot that is not included in the question. I don't know what your lawyer was considering, or what the deeper facts are that may influence a decision. If the UIM gets you the policy limit, total settlement of money available to claimant(s) is $300,000, apparently, inclusive of the... View More

Defense counsel would face an uphill battle trying to exclude this as admissible evidence under California Penal Code Section 632—the argument itself would be borderline frivolous.

In California, generally, recording merely needs to be announced, and if the other party stays on the call,... View More

John Rajaee Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Oct 17, 2025

I can understand why you’re frustrated; it sounds like you’ve been patient and diligent, yet your insurance company continues to delay your UIM claim without good reason. In California, insurers owe their policyholders a duty of good faith and fair dealing, which means they must handle claims... View More

Civil lawsuits have time limitations that require you to file a lawsuit within the specified time frame or you will be barred from filing a lawsuit. These deadlines are referred to as Statute of Limitations (SOL). They usually expire between 1and 4 years. Your claim occurred 13 years ago. However,... View More

Emery Brett Ledger Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Jun 23, 2025

It’s understandable to feel concerned—especially when a low-speed rear-end collision suddenly involves a bodily injury claim that seems out of proportion. Even minimal impact crashes can sometimes lead to injury claims, but your suspicion of fraud isn’t unwarranted, especially if you’ve... View More

Because it doesn't care about your pride or sense or right and wrong. The insurer makes a decision based on what costs the least amount of money. Also, your estimation of whether anyone could be injured in such a small impact has no value. You don't know whether anyone had a... View More

I agree with your line of thinking. Despite what other attorneys have told you about only considering an attorney in the event of a second denial, your concerns and interest in having an attorney for this third-party investigator interview are very legitimate. In terms of your question about... View More

You can sue, but you need proof to win. Without an appraisal by a certified appraiser, your opinion of a lowball offer means nothing. If you get an appraisal, and the insurer pays it, you don't really have a case.

Unclear to whom you are reporting. 1. Work your way up the chain of command. 2. Contact the licensing agency for your facility. As a whistleblower, you should be protected from adverse employment actions, and if that is violated, you may have a lawsuit.

The first issue is the one-year statute of limitations wherein you must file a lawsuit or you will be forever barred from compensation. Based on these facts you may be within that time period but you should immediately consult with an experienced malpractice attorney.

Depending on reasons... View More

It depends on the nature of the insurance policy. If it is an occurrence policy, you are correct. However, it is an a claims made policy, the insurance company may be correct. Occurrence policies protect against incidents during coverage regardless of when claims arise. Claims-made policies only... View More

There are several red flags that indicate cause for concern, and others do not.

The portion coming from your own insurance company would not be included in the release.

It is unclear why the settlement is no longer $100,000.

Liens can be negotiated, in some situations,... View More

You can hire an attorney to help resolve your dispute with the security guard company, or file a complaint with the superior court over what ever your dispute is with the security company. If an an adjuster for an unlicensed insurer or adjusting company is engaged in attempting to investigate or... View More

This question came up under several different headings. Please note the appropriate topic is "Banking" or "Civil Litigation". It does not involve insurance or personal injury. I don't think you have a cause of action against the insurance company because they didn't... View More

What was said in court was a public record. A "feeling" that communication with an agent/adjuster may have adversely affected your settlement is not nearly enough. You need evidence that you were harmed. What was said in court may have affected your settlement, but the attorney... View More

I understand your concern regarding the deductions, especially since the insurer is citing a law that mandates these deductions. To address this issue properly, I recommend speaking directly with an attorney who specializes in insurance law or wrongful death claims. They will be able to review the... View More

The insurance company for the other driver owes you nothing until you get a judgment against its insured. If your car was damaged, get estimates for repair and for rental car during the period of repair. You can also contact a car appraiser to get an estimate of the diminution in value to the the... View More

You can contact the city, which may have an ordinance about diseased or dead vegetation. Code enforcement might require him to remove the tree. Otherwise, you would have to file a lawsuit alleging a nuisance, and request an injunction ordering him to remove the dead tree. You would need a... View More

It really depends on what the insurance policy and terms say. Your grandma's relationship with National Life is contractual. If she is paying a monthly or annual premium to keep the policy active, if she stops paying, she may no longer be able to receive the benefits of the policy. You should... View More