Insurance Bad Faith Questions & Answers

Q: can a life insurance co. that is bought out by another co. raise the rates when rates are never to go up?

1 Answer | Asked in Consumer Law and Insurance Bad Faith for Kentucky on
Answered on Jun 19, 2018
Timothy Denison's answer
To properly answer, one would need to see your policy of insurance, but the answer is likely no.
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Q: Is it legal for an insurance company to cancel the homeowners policy because our roof is nearing the end of its life?

1 Answer | Asked in Real Estate Law, Insurance Bad Faith and Insurance Defense for Tennessee on
Answered on Jun 18, 2018
Anthony Marvin Avery's answer
Your question has nothing to do with real property. Besides the roof condition, you must read your Insurance Policy. That Contract will control your rights. In the mean time find another Carrier now. Non Insurance is a Default under your Deed of Trust. It is very doubtful that after you get another Insurer, you will have sufficient damages to justify a suit even if the Insurance Contract was breached.
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Q: Someone told me I could go after a person's homeowner's

1 Answer | Asked in Insurance Bad Faith for Florida on
Answered on Jun 15, 2018
Stephen Arnold Black's answer
Yes, it is possible. Discuss with counsel about bringing a lawsuit against the homeowner.
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Q: If i buy life insurance, then kill myself after 2 yrs or longer will they pay out the policy .

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for California on
Answered on Jun 15, 2018
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.
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Q: Insurance company is refusing to pay my father's life-time settlement agreement for 4yr now which is to pay 15k/yr

1 Answer | Asked in Workers' Compensation and Insurance Bad Faith for Texas on
Answered on Jun 6, 2018
S. Michael Graham's answer
You can contact an attorney of your choice or else you are free to contact my office.

An attorney will need to review the file and paperwork to determine what benefits are due and owing. My website is Ph. 214-358-6060
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Q: What if you feel that you are a victim of a practice that was using you medical insurance for profit.

1 Answer | Asked in Insurance Bad Faith, Medical Malpractice, Public Benefits and Personal Injury for California on
Answered on Jun 5, 2018
Dale S. Gribow's answer

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Q: Had inventory loss and interior damage at retail store in Beverly Hills. Getting the run around from all ins. companies.

1 Answer | Asked in Insurance Bad Faith for California on
Answered on May 29, 2018
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.

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...
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Q: My nephew purchased a motorcycle and recently was in a crash with it .

1 Answer | Asked in Personal Injury and Insurance Bad Faith for Florida on
Answered on May 25, 2018
Drew Bruner's answer
It sounds like your son received some very serious injuries as a result of this unfortunate accident. Although it may be difficult to recover damages from an insurance carrier in this specific fact set, it is important to contact an attorney whenever a carrier has decided to void coverage (in this case, from a stolen vehicle exclusion or material misrepresentation to the carrier). Search for an insurance attorney on Justia and give several lawyers an opportunity to review and see if there...
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Q: Pet insurance won’t pay my dog’s treatment due tu “pre-existent” condition.

1 Answer | Asked in Animal / Dog Law and Insurance Bad Faith for California on
Answered on May 23, 2018
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.
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Q: I fraudulently received $3,377.00 in unemployment benefits in the state of New Jersey. Will they criminally prosecute?

2 Answers | Asked in Criminal Law, Insurance Bad Faith and Public Benefits for New Jersey on
Answered on May 21, 2018
H. Scott Aalsberg Esq.'s answer
The state could certainly criminal prosecute you and yes you would have to pay it back. If charged get yourself a good lawyer.
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Q: We feel we weren't given enough money based on the policy limits for our claim - what's the next step?

1 Answer | Asked in Insurance Bad Faith for Maryland on
Answered on May 15, 2018
Mark Oakley's answer
Who’s policy limits, yours or the at-fault party’s? So long as you have not settled with and released the at-fault party from the claim, you can sue the at-fault party; however, any recovery you received under your own policy must be reimbursed first out of money recovered from the at-fault party, then you can keep the excess. The at-fault party will have to have assets you can execute on after obtaining a judgment. If you settled the claim against the at-fault party’s policy, then more...

Q: Onslow, NC. Insurance company had shop paint vehicle and backed out after claiming they told me they wouldnt.

1 Answer | Asked in Business Law, Car Accidents, Civil Litigation and Insurance Bad Faith for North Carolina on
Answered on May 14, 2018
Bill Powers' answer
That's clearly a sticky issue. Probably best to contact someone in management, advising them of your problems.

Maybe the shop can help works thing out, especially if the adjustor said they were covering the costs.

Q: Within a valet company, if a driver damages a vehicle, can the company require the driver to pay for the damages?

2 Answers | Asked in Contracts, Employment Law, Insurance Bad Faith and Small Claims for Tennessee on
Answered on May 14, 2018
Mr. Kent Thomas Jones Esq.'s answer
If I understand the question correctly, the driver would be an employee or on a contractual basis with the valet company. I believe that the answer to the question demands an understanding of their employment agreement and/or contract. It should spell out who is responsible for damages.

Q: If a claimant withdrawals a claim due to errors of the examiner in an interview will you loose all your benefits f

1 Answer | Asked in Insurance Bad Faith for California on
Answered on May 13, 2018
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...

Q: What are the consequences of getting in an accident without insurance?

1 Answer | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Ohio on
Answered on May 4, 2018
Peter Munsing's answer
No jail. I'm assuming you had an accident. The other person or their insurance will ask for her insurance. If she doesn't have any they'll ask her to pay. It may be to her advantage NOT TO MAKE ANY AGREEMENT TO DO SO because she may be "judgement proof." It really makes sense to discuss these things with an attorney who handles defense of claims, as she and you need to look at what her assets are and aren't, her need for driving etc. But you don't want to jump into negotiations with the...

Q: I am looking for a lawyer to help with a car accident insurance claim loss of vehicle.

3 Answers | Asked in Car Accidents and Insurance Bad Faith for California on
Answered on May 4, 2018
Peter Munsing's answer
First problem is valuation--unless you can get someone to say your daughter's "classic" is worth more than book that's all you get.

She has an injury claim and that would be the driver, but sounds like you /she may not have documented the injury.

Contact a member of CAOC. They give free consultations, will take the case on a contingent fee.

Good luck!

Q: Small Claims Court plaintiff loss

2 Answers | Asked in Contracts and Insurance Bad Faith for California on
Answered on May 3, 2018
William John Light's answer
The winning party can recover costs. That would include, for a defendant, the fee for filing an answer, and possibly a court reporter, if they requested one.

Q: Since California Small Claims court has a $10,000 limit, I am inquiring if I have sufficient cause to file a case.

1 Answer | Asked in Consumer Law and Insurance Bad Faith for California on
Answered on May 2, 2018
William John Light's answer
You haven't posted any details about your case. No one can evaluate without facts.

Q: I think I have been in a car insurance scam.

1 Answer | Asked in Criminal Law, Insurance Defense, Consumer Law and Insurance Bad Faith for New York on
Answered on Apr 27, 2018
Michael David Siegel's answer
Report it to the New York State Attorney General ASAP.

Q: I contacted my insurance company a few days about about a claim - how long do they have to get back to me?

1 Answer | Asked in Insurance Bad Faith for California on
Answered on Apr 27, 2018
William John Light's answer
The California Department of Insurance (CDI) published "Fair Claims Settlement Practice Regulations" under Title 10 of the California Code of Regulations.

Section 2695.5 sets out limits insurers must comply with when adjusting claims:

When an agent or other insurance representative receives a claim, that claim must be immediately tendered to the insurer;

Within 15 days of Notice of a claim, the insurer must acknowledge receipt AND provide the insured with all necessary...

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