I live in FL, employer / policy is from Washington state.
Plan coverage was changed mid-plan year without communicating to members. These actions negatively effected me which denied claims which earlier in the plan year were accepted. I can file an internal grievance with the insurance... View More 
answered on Feb 23, 2022
A Florida (or possibly a Washington) attorney could answer best, but your question remains open for a week. Many states have Departments of Insurance, Departments of Financial Services, or similarly named agencies that handle consumer-related insurance matters. Good luck
Easier to explain on phone. Insurance company was wanting me to give then phone logs bank statements and all. The truck was stolen and wrecked not able to drive insurance company didn't send an adjuster and tow yard auctioned while husband was incarcerated. Extra keys were taken in first break... View More
answered on Feb 16, 2022
I'm sorry this happened to you and your husband. A Florida attorney could advise best, but your question remains open for two weeks. It looks like you want to explain your situation on the phone, but this forum doesn't work like a referral service. Attorneys can't reach out to you -... View More
answered on Feb 11, 2022
A Florida attorney could advise best, but your question remains open for two weeks. You need an attorney who is experienced with auto claims, possibly dealing with insurance company special investigations units and sometimes criminal investigations. It might be difficult to find someone who... View More
Hello. I want to return my car because I plan on buying a house early 2022 and don't want a car payment listed as a bill when I apply for loans. I got into a wreck last month. I only have pip insurance. It's a fairly large dent in the driver side of the door. The person's insurance... View More
answered on Dec 29, 2021
Your plan has serious flaws in it, not the least of which is a possible legal claim from the dealer seeking the remaining monthly payments that you agreed to pay at the beginning of the lease.
Whoever told you that you can just return a badly damaged leased car to whoever leased it to you... View More
I don’t know if I should respond how I go about doing so, I also am wondering if this means they are suing me financially? This is from my car insurance company after they dropped me and paid nothing towards the accident.
answered on Sep 21, 2021
Generally, a lawsuit filed for declaratory relief involves someone requesting for a court to enter a judgment that states the rights of parties to the lawsuit without ordering any specific action or awarding money to either party. In your circumstance, the insurance company is likely seeking a... View More
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answered on Sep 14, 2021
Approved for what? You should repost your inquiry with more information.
I was having trouble getting my older boat insured. My friend/agent said he would probably just put his name on it so we could get it insured. Mind you, he has nothing to do with the boat nor has he invested in it. He strictly put his name on it to get it insured. The boat sank. Insurance company... View More
answered on Jul 6, 2021
Reading between the lines I have a feeling that your "friend/agent" works for the insurance company; am I right?
If so you can file a complaint against your agent with the Department of Financial Services, Division of Insurance Regulation.
Our boat was in a boatyard and a hurricane blew through. The boat was knocked over, but the boatyard forgot to mention it. Also while they were silent, the boat was stripped beyond repair. They are now offering to take the boat, but feel that not mentioning that it had been knocked over and... View More
answered on Mar 26, 2021
You should review your contract with the boatyard; see if it says anything about their duties regarding reporting to you about what happened to the boat. It seems that, as a "bailee" they probably had a duty to at least watch the boat and protect it from being looted, but again look at... View More
On my way to work 2+ years ago, I bumped into an SUV in front of me doing less than 5 mph. I am pretty sure there was no damage to either vehicle. I was in my company pickup with the logo on the side. The person tried suing the company when it happened. I no longer work for that company now, but... View More
answered on Feb 3, 2021
It may depend on which court the original action was filed in. Rules for small claims, Florida state civil court cases which are not small claims cases, and federal district court cases are different. See for example
Florida Rules of Civil Procedure, RULE 1.170 and
Federal Rules... View More
My father passed away, i am not the beneficiary. He had a life insurance plan i believe, i have a death cert. but thats it.
answered on Feb 2, 2021
My condolences for your loss. If the estate is the beneficiary of the life insurance policy, you will likely need probate administration. Consult with a probate attorney in the state where he resided for more information.
answered on Dec 21, 2020
A South Carolina, or Florida attorney (two geographic regions are listed in your post) could advise best, but your post remains open for two weeks. As a general matter, the insurance carrier or the incoming attorney (if there is one) might have been placed on notice of a lien. Good luck
Tim... View More
The lawyer put a lien on me but they want to have their name added to the settlement and the insurance company is telling me that they have to put the lawyer's name on it. Even if the lawyer did not help with the ending settlement amount.
answered on Dec 29, 2020
Typically it will depend on your contract of representation. While unpleasant, it is not uncommon for attorneys to assert a lien against a settlement even if they were fired before the case settles. In such cases, they will have to formally put you on notice of the lien and the contract will most... View More
Formal letter sent to adjustor 30 days ago, she has not provided information requested.
If a lawyer filed suit, and the insurer lawyer is not able to present the insured. Would a default judgement occur? And would the insurer be responsible because they didnt respond to the letter? Within... View More
answered on Dec 20, 2020
So keep in mind that many lawyers in the state of Florida do not file lawsuit. Lawsuits require real work and deadlines and confrontation with opposing counsel, and spending money out of pocket to fight the case in court. Most lawyers choose to just try to attempt to settle the case with the... View More
and the roots from that tree encroach on our property damaging our fence. 21 feet (.0744 acres) is landlocked property, which we do not own, however, we do own the fence, that is located on the landlocked property. The apartment manager has repeatedly ignored our emails since September. What rights... View More
answered on Nov 11, 2020
It is unclear what you mean when you write that it's your fence, but it is on the "landlocked property" which you don't own. If someone else owns the land upon which the fence is located, the fence is probably theirs too.
And no, you can't force them to pay. If... View More
i wish to know if he get married can he keep using his dads insurance since he is using it under special circumstances???
My fiancee was involved in a car accident while he was on his parents policy. One person did not settle and is now sueing. Can my assets be brought into the lawsuit once we get married in November 2020?
answered on Jun 19, 2020
A party's assets are not an issue in such a lawsuit unless and until a money judgment is entered against the party, and then it's an issue only if there is no or too little insurance coverage to protect the party - for example, if a judgment for $50K is entered against the defendant, who... View More
does the rider have value since Sears court ruling was a judgement?
answered on May 2, 2020
You have to do a lot better than that to ask a question here. And the personal information is not necessary.
I signed up for full coverage insurance on my vehicle because I am financing it. I got into an accident and now they are saying I only have baseline coverage. But I have documents proving otherwise. What can I do?
answered on Apr 29, 2020
I assume by "they", you mean your own insurance company. Either you purchased a policy with the full coverage, or you didn't - it's in black and white on your policy and declaration page documents. Your first step is to confront the insurance company representative with the... View More
In the state of Florida I received medical treatment due to an auto accident, had it billed to my auto insurance as a Personal Injury Protection claim, and the auto insurance is refusing to pay due to the deductible not being met, is it legal for me to have it billed to my personal health insurance... View More
answered on Apr 22, 2020
So your PIP deductible is likely $500.00 or $1,000.00 and the bill you refer to are under that amount. Therefore, until your medical billing related to the auto accident go over your deductible, your auto insurance will not pay anything. However, your health insurance company should pay the bill.... View More
My grandfather had dementia and my grandmother took over all finances including taking money from a policy that was meant for me. Is that legal of her to have done that while he wasn't of sound mind?
answered on Apr 7, 2020
She may have had a durable power of attorney or have been appointed guardian. Ask the insurance company what documentation it has.
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