Get free answers to your Insurance Defense legal questions from lawyers in your area.
I was receiving long-term disability insurance through my former employer for 24 months, but the benefits stopped. The company, Lincoln Financial, claims that independent studies suggest there are other occupations I can perform, but my doctors and neurosurgeon disagree, stating I need lumbar... View More 
answered on Apr 2, 2025
Yes, it is possible. It sounds like your policy is most likely governed by a federal law called "ERISA." It will depend on the language of the policy, but most long-term disability policies pay benefits for 24 months while you are disabled and unable to work in your own occupation. After... View More
I was involved in a car accident, and the other party's insurance has offered $5,000 for medical expenses. I've already received medical treatment using my own insurance, and I'm considering possibilities for future medical costs. I haven't been able to work for 5 days, and my... View More
answered on Mar 19, 2025
I am concerned the insurance adjuster is attempting to take advantage of you. The adjuster should be issuing to you a settlement check which compensates you for medical bills + lost wages + pain and suffering. The fact that the adjuster is attempting to pay the medical care providers directly for... View More
My son was involved in a minor fender bender two weeks ago, resulting in a scratch on our car and some cosmetic damage (headlight knocked out and a bumper dent) to the other vehicle. He received a warning ticket for failure to yield right of way, with the police report stating no injuries. While we... View More
answered on Mar 15, 2025
Your insurance carrier is probably setting up a claim, if it hasn't done so already. It sounds like it's only a letter at this point. You probably already did so, but if you haven't, turn the letter over to your insurance carrier after making a copy for your own files. If the matter... View More
I was slowing to make a right hand turn into my driveway the kid behind me said he thought I was going left and was trying to go around. He hit my front fender and mirror (passenger side). We both have Allstate and they say I can either pay 40% of the damages to my vehicle and nothing on his or I... View More
answered on Aug 23, 2024
A Georgia attorney could advise best, but your question remains open for almost two weeks. That defense is commonly raised in settings where the turning vehicle was far enough away from the direction of the turn to enable a vehicle to try to pass inside. You could challenge it, on your own or with... View More
The adjuster for the at fault party's insurance claims he can't find his client. He claims that he can't resolve our situation until he can find his client and get information from him. I don't believe that is our problem, especially nearly 2 months in. State Georgia, county... View More
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answered on Dec 29, 2023
If you've been involved in a car accident in Georgia and the at-fault party's insurance is claiming difficulties in locating their client, it's advisable to take certain steps to protect your interests. Firstly, document all communication with the at-fault party's insurance,... View More
The adjuster for the at fault party's insurance claims he can't find his client. He claims that he can't resolve our situation until he can find his client and get information from him. I don't believe that is our problem, especially nearly 2 months in. State Georgia, county... View More
answered on Dec 31, 2023
You could exercise one of the options you list - contacting a lawyer. However, from what you describe, it sounds like a property damage-only claim. Those claims could be difficult to find contingency representation by an attorney. Your options include retaining a lawyer, handling it yourself in... View More
I purchased a dirt bike for my son as a gift. Although he does not live with me, the dirt bike is kept at his home with his mother. While the mother, son, and multiple people were present, they allowed a friend to ride the dirt bike on their property. The friend was injured badly after being struck... View More
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answered on Apr 12, 2025
Based on the information provided, you may not be directly liable for the injuries if you were not present and did not authorize the use of the dirt bike at the time of the accident. However, because the dirt bike is registered in your name, there could be some indirect liability depending on local... View More
I reported my car stolen to the police, but they delayed taking the report until February. I located my car on Facebook Marketplace, and the police impounded it. The car lot owner claims to have modified my car without my authorization, and the police are in the process of returning parts to the... View More
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answered on Apr 12, 2025
It sounds like you're dealing with a frustrating and complex situation involving both law enforcement and the car lot owner. Since your car was stolen and then modified without your consent, you may have a case for theft and damage to your property. If the car lot owner is modifying your car... View More
I had my car stolen, and although it was insured, the claim was initially closed because the car was found before a payout. The police impounded the car, took parts out, and returned them to the car lot owner where the car was found. Now, my car is reportedly in pieces, and I've had no access... View More
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answered on Apr 12, 2025
First, you should gather all documentation related to your insurance claim and the police report. If the police did not handle your case properly or failed to return your car in its original state, you may want to file a formal complaint with the police department. You can request that they provide... View More
While driving someone else's insured car with the owner present, my 16-year-old son drove off the road, resulting in damage that required the vehicle to be towed. He was issued a ticket for failure to maintain lane and there is an associated fine. My son does not have his own liability... View More
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answered on Apr 12, 2025
This must feel overwhelming, but you’re not alone—situations like this happen more often than people think. In Georgia, **insurance typically follows the vehicle**, not the driver, which means the car owner’s policy is usually the primary coverage for an accident. Since your son was driving... View More
I am dealing with a situation where Progressive Insurance has deemed my car a total loss due to body shop storage fees and administrative fees totaling $2,000. I want to dispute their decision before they take possession of my car. Can I take them to court? Additionally, what steps should I take to... View More
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answered on Apr 11, 2025
It’s understandable to feel frustrated when your car is declared a total loss not because of damage, but due to added fees. In Georgia, an insurer can declare a car a total loss if the combined cost of repairs and related expenses—like storage and administrative fees—exceeds a certain... View More
After scratching a coworker's bumper while leaving work, I immediately informed them, and we verbally agreed on $400 for the damages, which I paid right then. I didn't notify insurance or the police. I have two coworkers as witnesses to this verbal agreement. I don't have the other... View More
answered on Mar 21, 2025
A Georgia attorney could advise best, but your question remains open for a week. Given the amount of the matter, the fact that it appears to be resolved, and that you have witnesses, you might want to simply "let sleeping dogs lie." It's up to you. What you could keep in mind if... View More
If I host a fundraiser concert with vendors on my property for a nonprofit organization, can I be sued if someone gets hurt, even though the nonprofit has insurance? The event will have over 300 attendees, with security and medical staff present, and areas are secured with cones and warning signs.... View More
answered on Mar 13, 2025
A Georgia attorney could advise best, but your question remains open for a week. Unfortunately, there's no predicting what a claimant might do, despite the insurance of the nonprofit. One option is to explore event insurance, if available. Good luck
answered on Dec 29, 2024
A Georgia attorney could advise best, but your question remains open over a week. Until you are able to speak with a local attorney for definitive, state-specific guidance, the short answer nationwide in most places is that if the vehicle is registered, it needs to be insured. The DMV isn't... View More
APD Officer told me the ticket is No points and I can pay the fine online. Is this true?
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answered on Nov 12, 2024
No, that is not correct. That ticket is a 3-point violation. Also, if the ticket was issued as the result of an accident, even if you are be able to pay it online, Georgia law still requires you to show up for your court date.
answered on May 28, 2024
A Georgia attorney could advise best, but your question remains open for two weeks. You could work with the insurance companies to investigate the matter. If they share information with you on what their special investigation units learned, that might help you in preventing future incidents and... View More
I’ve been working with this firm for maybe 4-5 months. While working on my parked food truck, I was hit by a commercial vehicle which has caused 6 slipped discs and 2 herniated discs. I’ve gone through treatment, gotten injections and will have to get treatment every 6 months. I was completely... View More
answered on Jun 20, 2023
I do agree, something seems off. It is generally the case that once a client's medical treatments are finished, it can take anywhere from 2 - 4 weeks to obtain all of the client's medical records and bills. Every now and then there will be difficulty getting a record or a bill but that... View More
I got into an accident last year that was caused by the other driver. I was transported seen about but wasn't hospitalized. I was treated for pain outside from the hospital. I went to a suggested treatment place my lawyer referred me to. However, I wasn't In and out the doctors office... View More
answered on May 31, 2023
A Georgia attorney could advise best, but your question remains open for three weeks. An attorney would want to see the file to offer definitive advice - your medical plan, approval of services, billing issues, and other details. Good luck
IS A FALSE CLAIM. WHAT CAN I DO TO ARGUE TO MY INSURANCE COMPANY TO NOT PAY THE CLAIM?
answered on Feb 11, 2023
A Georgia attorney could advise best, but your question remains open for two weeks. You could gather your evidence, such as video, photos showing no damage, witness statements, etc. Your position will probably result in your carrier conducting its own investigation. Ultimately, the decision will... View More
answered on May 22, 2022
A Georgia attorney could advise best, but your question remains open for two weeks. Reach out to Georgia criminal defense attorneys to discuss the arrest. That's the most pressing issue. Once that is addressed, you could figure out why the insurance lapsed - glitch in auto payment, lost bill,... View More
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