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.
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...
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.
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.
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...
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...
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.
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).
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.
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...
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.
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...
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