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California Insurance Defense Questions & Answers
3 Answers | Asked in Car Accidents, Insurance Defense and Personal Injury for California on
Q: What happens if you dont have insurance and are at fault for an auto accident?

My 18 yr old niece got in an Accident and was found at fault. She had no insurance and no DL at the time. she took no photos and cant rember the Accident because she lost consciousness and suffered a concution, one of the other drivers also did not have insurance and got an lawer and she recived a... Read more »

Theodore Allan Greene
Theodore Allan Greene
answered on Feb 24, 2019

If she was at fault like you say then you really need to find out how much damage was done to the other car and find out if anyone was hurt. That will determine her financial liability. The fact that the other party got an attorney means the other person most likely was injured. If the other party... Read more »

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1 Answer | Asked in Insurance Defense for California on
Q: Am I legally required to have insurance on property if I didn't even know that I inherited it?

What happens if someone gets hurt on it?

Gerald Barry Dorfman
Gerald Barry Dorfman
answered on Nov 16, 2018

Unless there is a loan or mortgage on the property (or some other contract) which requires insurance, there is usually no legal requirement to have insurance. If a land owner does not have insurance, they are responsible for the risks associated with ownership. One such risk is the risk of being... Read more »

2 Answers | Asked in Car Accidents, Contracts, Insurance Bad Faith and Insurance Defense for California on
Q: I received a letter from a insurance company that said i owed $4,000 dollars in damages from a car that was a trade in

this transaction was in 2012. what do i need to show that i do not own that car?

William John Light
William John Light
answered on Nov 14, 2018

You should have filed a Notice of Transfer and Release of Liability with DMV when you traded in the vehicle. https://www.dmv.ca.gov/portal/dmv/detail/online/nrl/welcome

However, the question is not what you need to prove that you don't own the car, but what the insurer/plaintiff needs...
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1 Answer | Asked in Insurance Defense for California on
Q: What legal body regulates the insurance industry? Is it state law or some federal entity?
Tim Akpinar
Tim Akpinar
answered on Oct 30, 2018

The California Department of Insurance oversees the insurance industry in your state. It has counterparts in other states.

Tim Akpinar

1 Answer | Asked in Insurance Defense for California on
Q: My insurance company is refusing to defend me in a lawsuit. Are they allowed to do that?
Tim Akpinar
Tim Akpinar
answered on Oct 10, 2018

I don’t practice in California, but your question hasn’t been picked up in four weeks. A fundamental reason for purchasing insurance is so that the carrier will defend you against claims by parties alleging that they have been harmed by you. A consultation with an attorney in your state should... Read more »

1 Answer | Asked in Business Law, Insurance Defense, Land Use & Zoning and Mergers & Acquisitions for California on
Q: I have document s of of former landlord who fordury marriage certificate and life insurance over10idenitys
Thomas A. Grossman
Thomas A. Grossman
answered on Jul 15, 2018

You have not explained what is going on, nor what you want to be answered.

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for California on
Q: If i buy life insurance, then kill myself after 2 yrs or longer will they pay out the policy .
William John Light
William John Light
answered on Jun 15, 2018

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.... Read more »

1 Answer | Asked in Traffic Tickets, Constitutional Law and Insurance Defense for California on
Q: How do challenge the jurisdiction?

I'm traveling through from ga and I bought a van out of Los Angeles planning to sell it for money. I got pulled over in it like a week later and received a citation for no insurance. It wasnt registered but they didn't say anything about that. A couple of days later it got sold. They want... Read more »

Dale S. Gribow
Dale S. Gribow
answered on Apr 24, 2018

though more info is need.................as a rule jurisdiction lies with the location of the act.

this is the same problem OJ had with his vegas arrest.

he wanted case back in LA but no dice and his custody was there too and not in Calif

1 Answer | Asked in Traffic Tickets and Insurance Defense for California on
Q: How do I carry out challenging the jurisdictions of the court after first appearance
Dale S. Gribow
Dale S. Gribow
answered on Apr 24, 2018

more info is needed

you do not do.....your lawyer does.

either a private lawyer or a public defender.

share your reasoning for wanting to change jurisdiction.

however, jurisdiction lies with the location of the crime........not your residence...........OJ had the...
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1 Answer | Asked in Insurance Defense for California on
Q: We believe a client has made a fraudulent claim against us about an injury on the property

- we're unsure at what point in the process we should hire an attorney.

Gerald Barry Dorfman
Gerald Barry Dorfman
answered on Apr 13, 2018

If you have liability insurance, talk to your insurer about it. They will probably not assign you an attorney until a lawsuit is filed, but should be advising you. If you do not have insurance, you should retain an attorney immediately. Mistakes made early in the process can really come back to... Read more »

2 Answers | Asked in Consumer Law, Criminal Law, Car Accidents and Insurance Defense for California on
Q: SR-22 rec'd from my insurance says "limited to driving vehicles registered in my name" - can i drive my parents cars?

as i understand, this is an "owner's type" of SR-22 and my insurance company doesn't give out operator's designations. if my parents give me permission to drive their car and im not EXCLUDED on their ins policy as being barred from driving - could i get in trouble with the... Read more »

William John Light
William John Light
answered on Mar 1, 2018

If you live with your parents you should be a named insured to operate their vehicles. Check with your parent's agent to confirm coverage for you if/when you drive.

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4 Answers | Asked in Insurance Defense and Civil Litigation for California on
Q: How long does it take attorneys to write up settlement release forms?

My attorney contacted me on the 26th of January stating we settled and they would be sending out a couple of release forms for me to sign and yet almost 3 weeks later, still nothing. Is this normal?

David Alan Wolf
PREMIUM
David Alan Wolf
answered on Feb 14, 2018

Once a case is settled, it may take several weeks to even a few months to get all of the paperwork signed and the bills / liens resolved. If there are no medical bills and there are no medical or other liens, the process can go a bit quicker. Also, the insurance company typically sends over the... Read more »

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Q: MY insurance denied my claim. How do I go about appealing the decision?

My truck was stolen from My driveway and involved in a hit and run. The insurance company told me that they can't cover it under the comprehensive but that it would be covered under collision but I would have to admit to a dui. Why would any insurance company tell someone to lie? I have called... Read more »

John Karas
John Karas
answered on Jan 22, 2018

Sounds like your insurance company doesn't believe you regarding the theft.

If you are unfairly denied the benefits under the policy, you sue the insurance company for bad faith.

1 Answer | Asked in Insurance Defense for California on
Q: The insurance company is offering to settle my case but I’m not sure if their offer is reasonable. How do I know?
Louis George Fazzi
Louis George Fazzi
answered on Jan 12, 2018

Add up all your out-of-pocket medical expenses, such as Dr. bills, pharmacy bills, and other expenses related to treating your physical injuries; add up the lost income you suffered resulting from the loss of time from work; calculate the value of the pain and suffering you have experienced; then... Read more »

3 Answers | Asked in Personal Injury, Civil Litigation, Collections and Insurance Defense for California on
Q: Can I vacate or set aside a default Judgment that was entered 9 years ago, if I was not properly served?
Dale S. Gribow
Dale S. Gribow
answered on Nov 22, 2017

the answer would be face on the facts...........when you say properly what happened?

how were you served?

did you evade service?

did you move and not leave forwarding?

you can always make a motion to set aside and the judge based on the facts presented will decide whether to grant.

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2 Answers | Asked in Insurance Defense, Construction Law and Real Estate Law for California on
Q: Condo flooded by upstairs neighbor kitchen remodel.

Owner, contractor, and HOA insurance all notified but each claim the other shares liability. What are my rights as a third-party claimant? My own insurance does not fully cover the loss. Someone else is responsible. I don't want to start reconstruction until I have money to reconstruct.

Gerald Barry Dorfman
Gerald Barry Dorfman
answered on Nov 20, 2017

Not sure what your theory is against the HOA - if there is one, they can be included in a lawsuit. Otherwise, you can sue the upstairs neighbor (and their contractor since you've already uncovered who they are). The insurance companies have a duty to try and settle a loss after liability has... Read more »

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2 Answers | Asked in Insurance Bad Faith and Insurance Defense for California on
Q: I just lost my home and everything I own due to the wildfires in Santa Rosa. Insurance company is asking for a lot!

Homeowners Insurance company is asking for a lot. They want me to create a spreadsheet of thousands of items, describe each of them, document their age and put a value on it. This will take months of full-time work. I am wondering if I can just ask for a percentage less of what they owe and not... Read more »

Gerald Barry Dorfman
Gerald Barry Dorfman
answered on Oct 13, 2017

Unfortunately, that won't do it, although you may be able to handle the necessary paperwork in a way that takes a lot less time than you anticipate. The amount of coverage really doesn't determine the amount of your claim, except to put a cap on it. Of course, if you have $400K in... Read more »

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1 Answer | Asked in Car Accidents, Criminal Law, Insurance Defense and Personal Injury for California on
Q: Ok I have counsel for defense in no fault no insur and no lic. Car accident. How will it play out

I was on my way to wrk and can show intent of good faith i was in the very process of getting my insurance literally my broker was texting me the rates at the exact same time i was in the accident what effin luck I have my lawyers firm wouldnt havent anyone to my house if they didn't think i... Read more »

William John Light
William John Light
answered on Oct 11, 2017

Ask your attorney. You are paying him. The rest of us are internet strangers to you. Why would you come to us?

1 Answer | Asked in Traffic Tickets, Car Accidents and Insurance Defense for California on
Q: Insurance denied the claim based on the pictures they have from the police.My witness contradicts it.Do I have a case

My truck was sideswipe by another truck. No damage on his. No injury. IT was a 3 lane traffic I was on a left lane only traffic, he was on the middle lane. I was moving towards the intersection to make a left turn and did not see the truck to my right also was making a left turn until I was hit in... Read more »

William John Light
William John Light
answered on Oct 5, 2017

It depends on the witness and all of the facts. The insurer should talk to the witness if it hasn't already and make a determination. If the insurer's denial is final, you can sue the other driver in Small Claims court. Bring the photos, police report, estimate for repair of the... Read more »

1 Answer | Asked in Insurance Defense for California on
Q: What do I do if insurance lawyers in a car accident suit reached out to me as the opposing party to discuss settlement

options? I'm represented by a different attorney.

Gerald Barry Dorfman
Gerald Barry Dorfman
answered on Sep 19, 2017

Attorneys are forbidden by the rules of professional conduct from contacting people regarding a matter in which the person is represented by counsel. You should inform your attorney of this attempt.

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