Insurance Bad Faith Questions & Answers by State

Insurance Bad Faith Questions & Answers

Q: My outside air conditioning unit caught on fire & was put out by the fire department. No one knows what caused it.

1 Answer | Asked in Products Liability, Insurance Bad Faith and Insurance Defense for Florida on
Answered on Feb 14, 2019
Timur Akpinar's answer
If the manufacturer agrees to replace it, then it would seem there is no longer a loss for insurance to cover. If you choose the insurance company's payment, you have the deductible to consider. Insurance carriers will offset their payments, or choose not to issue payment, if a loss is already covered by another source. If you have reservations about the terms of the release, you could consult with a Florida attorney.

Tim Akpinar

Q: i put insurance the next day after getting pulled over without it and can it lower the charges

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for New Jersey on
Answered on Feb 9, 2019
H. Scott Aalsberg Esq.'s answer
For a First Offense No Insurance charge, you face the loss of your license for one year, community service to be determined by the court and a fine between $300.00 and $1,000.00.

For a Second or Subsequent Offense you face a fine of up to $5,000.00 and imprisonment (jail) for 14 days and 30 days

community service plus 2 year loss of your drivers license

The period of license suspension may be reduced or eliminated if the person provides the court with satisfactory...

Q: i got a tickets for driving without insurance and what are the fines

2 Answers | Asked in Insurance Bad Faith, Insurance Defense and Traffic Tickets for New Jersey on
Answered on Feb 8, 2019
H. Scott Aalsberg Esq.'s answer
For a First Offense you face the loss of your license for one year, community service to be determined by the court and a fine between $300.00 and $1,000.00. I suggest setting up one of the free in office consultations that most of us lawyers offer and then hire one.

Q: Can an insurance company deny coverage if the driver was unauthorized?

2 Answers | Asked in Insurance Bad Faith, Insurance Defense and Car Accidents for Massachusetts on
Answered on Feb 7, 2019
Peter Munsing's answer
Unless her son stole it he would be authorized. Its baloney. Suggest you provide estimates for repair, file a complaint with the insurance commissioner. Depending on the nature of the denial you may have claims under

Sec. 93 A of the MGL.

Q: Can anyone help?

1 Answer | Asked in Insurance Bad Faith for Florida on
Answered on Feb 2, 2019
Terrence H Thorgaard's answer
Your daughter appears to be judgment-proof. In other words, the judgment creditor probably can't collect its judgment other than against GEICO (to the policy limits).

Q: what rights do I have if insurance wants to stop paying me disablity. I have been disabled since 1999.

2 Answers | Asked in Insurance Bad Faith, Insurance Defense and Elder Law for Maryland on
Answered on Jan 31, 2019
Mark Oakley's answer
You need to look at the provisions of the disability insurance policy or plan under which benefits are being paid in order to ascertain what rights they and you have, and what medical standards apply to your situation. You may want to have your own doctors draft a report based on your current condition which supports continued benefits under the standard for disability. There are lawyers who handle insurance claims, and you can also contact the Maryland Insurance Commissioner to file a...

Q: My mom owned a cosmetology school. It was under a LLC. The business closed, and the students had to transfer....

1 Answer | Asked in Business Law, Insurance Bad Faith and Insurance Defense for Maryland on
Answered on Jan 29, 2019
Arnab Kumar Banerjee's answer
i need some more information. what are the terms of indemnity agreement your mother signed ? are they hold her liable ? can you share me the indemnity contract ?

without knowing the exact terms i cannot give you any advice.

Q: Insurance claim on my 2013 nissan altima that was stolen

1 Answer | Asked in Civil Litigation and Insurance Bad Faith for California on
Answered on Jan 29, 2019
Ali Shahrestani, Esq.'s answer
If you insurer is reviewing the matter, they should let you know when they're going to make a decision re: your claim. They have 40 days to accept or deny your claim from the time

See: http://www.insurance.ca.gov/01-consumers/130-laws-regs-hearings/05-CCR/fair-claims-regs.cf

Which says in part:

"Section 2695.7. Standards for Prompt, Fair and Equitable Settlements

(a) No insurer shall discriminate in its claims settlement practices based upon the claimant's age,...

Q: Insurance Agent's dishonest conduct & practices

1 Answer | Asked in Consumer Law, Criminal Law, Business Law and Insurance Bad Faith for Georgia on
Answered on Jan 28, 2019
David Edward Boyle's answer
You can always file a police report to file a complaint about the crime. You can also contact the corporate office of State Farm and make them aware of it.

Q: officer gave me the insurance information of the at fault driver who was driving someone else insured vehicle.

2 Answers | Asked in Insurance Bad Faith for Texas on
Answered on Jan 23, 2019
Rahlita D. Thornton's answer
We assist injured victims in accident cases. Depending on your injuries it is possible that both companies could be liable to pay for your damages. 888-3434LAW or 888-343-4529.

Q: Can the liable party of an accident personally close a claim made on them after they are found liable?

1 Answer | Asked in Car Accidents and Insurance Bad Faith for Texas on
Answered on Jan 17, 2019
Rahlita D. Thornton's answer
You can still submit your damages to his or her insurance company for direct payment. There may be supplemental repairs to your vehicle so it is best to let the insurance company deal with it. Sometimes, these repairs are really costly and some damages are not seen until they begin repairing it. Good luck.

Q: I hired insur. tree co. to cut a huge oak. Limb made 5 holes in roof. His insur co. deducted depreciation.

1 Answer | Asked in Insurance Bad Faith for Florida on
Answered on Jan 13, 2019
Terrence H Thorgaard's answer
So the estimate was #12 K and they say the roof was depreciated so that it was worth less than that? How much would it cost to install a new roof? Yes, see an attorney?

Q: What happens if your Employer doesn't report your work-related injury to the State Worker's Comp Board?

2 Answers | Asked in Employment Law, Workers' Compensation and Insurance Bad Faith for Pennsylvania on
Answered on Jan 9, 2019
Alexander Palutis' answer
Your employer is required to report your work injuries to their insurance company and the State. There are several reporting requirements for both the employer and the injured worker. Therefore, I recommend that you contact a Board Certified Workers’ Compensation Attorney to discuss your circumstances in greater detail. Most attorneys will provide a free consultation. If you have suffered a work injury and your employer is being less than cooperative , then it is certainly time for you to...

Q: I was involved in accident the guys insurance company is telling me I'm 20% at fault. He got a ticket for the accident.

3 Answers | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Tennessee on
Answered on Dec 16, 2018
Peter Munsing's answer
This is why you need to contact a lawyer after a crash. This sounds like the usual insurance baloney where they try to say you are 10,20.30% at fault based on---well, it's an "accident" so it's no-one's fault (until they are trying to soak you for contribution).

1. I assume you've had your damages evaluated by someone you want to fix the vehicle. If not do so--most dealers will do it for free.

2. Contact a member of the Tenn. Assn for Justice who handles crashes--they give free...

Q: Ok I was in a car accident where the other driver was issued a careless driving ticket and police report says I wasn't a

1 Answer | Asked in Car Accidents and Insurance Bad Faith for Minnesota on
Answered on Dec 14, 2018
Peter Munsing's answer
They'd better. However if you were hurt you may have a claim for your injuries that should have been made part of the case.

Q: State Farm Insurance Company, my carrier, two days after I was hit by a person DUI of drugs who hit me with a 5,000 lb

2 Answers | Asked in Car Accidents and Insurance Bad Faith for Florida on
Answered on Dec 12, 2018
Mitchell Feldman's answer
The first thing I will say is of course you need counsel and her attorney and why if you are seriously injured he did not obtain representation is contrary to your best interest. Do not try to play lawyer with the insurance company or insurance companies and the other parties. If you were seriously injured in this accident as you describe then obtain a lawyer. I wouldn’t be worrying about bad faith first in for most and I’m not sure exactly what is going on from the facts you provided but...

Q: Where do I even start with a bad faith claim against my car insurance company?

2 Answers | Asked in Insurance Bad Faith for New York on
Answered on Dec 7, 2018
William P. Lalor's answer
Bad faith law is governed by state law. Depending on your jurisdiction there may be avenues to pursue through the state or ultimately through litigation. Many insurance lawyers will speak with you at no cost to give you some idea of your options and avenues to pursue.

Q: Liberty Mutual Insurance just totaled my vehicle, but I believe my car is worth more. What can I do?

2 Answers | Asked in Car Accidents and Insurance Bad Faith for Texas on
Answered on Dec 4, 2018
Rahlita D. Thornton's answer
If you believe that your vehicle is worth more then we would negotiate for the higher amount. We would do our own evaluation with your input. First, make sure that you have exhausted all options. We represent those who are injured and have for many years so if you have any more questions please give us a call at 888-343-4529 #1

888-343-4LAW #1

Q: how can i get my wife moved from a Long Term facility in Oakland back to Sacramento where she lives?

1 Answer | Asked in Health Care Law, Insurance Bad Faith, Medical Malpractice and Nursing Home Abuse for California on
Answered on Nov 27, 2018
William John Light's answer
You should be asking Kaiser and the care facility in Oakland these questions.

Q: on October 23rd at 2am I was hit on my drivers side by a Toyota highlander .I had the right away the light was green.

1 Answer | Asked in Car Accidents and Insurance Bad Faith for Puerto Rico on
Answered on Nov 26, 2018
Timur Akpinar's answer
Based on your facts, it appears that the other driver was at fault. You could consult with an attorney in Puerto Rico to discuss what your next step would be in light of the other side’s refusal to acknowledge the police report and testimony from two witnesses. Try to find out if there were any surveillance cameras in the vicinity that may have captured footage of the accident.

Tim Akpinar

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