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Insurance Bad Faith Questions & Answers
1 Answer | Asked in Civil Litigation, Products Liability and Insurance Bad Faith for Montana on
Q: While traveling from California to Montana in January I acquired AAA Towing services $5000+ plus was stolen. Now what?

I left Cali Friday 01/22/21. On The 23rd east of Truckee Nevada I had blown a tire. Wile stuck on side of the road for 6 - 8 hours looking for ways to get it fixed that day the 23rd. AAA had assured me more than once that it would be taken care of that day and even gave me a phone they could get my... Read more »

Peter N. Munsing
Peter N. Munsing answered on Mar 6, 2021

File a theft complaint with the police if you haven't already. File a claim with your insurance company. Contact Tripple A.

Contact a member of the Nevada Trial Lawyers Assn who handles insurance to see if you have any claim--I'm not seeing it.

You have a claim agasint...
Read more »

1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Products Liability for Arizona on
Q: What are my rights as a renter of a vehicle when i notice the companies self insurance is expired?
Peter N. Munsing
Peter N. Munsing answered on Mar 6, 2021

you can turn in the rental--and may want to. If you have your own coverage, ask about it from your insurer. However, the big issue is property damage and if you paid for that you want to know you are covered.

1 Answer | Asked in Insurance Bad Faith for Florida on
Q: How to revoke insurance license from operating in state of florida

Insure company stepped out of Florida guidelines by violating rules.

Terrence H Thorgaard
Terrence H Thorgaard answered on Mar 5, 2021

You don't. That's up to the state agency that regulates insurance companies. You have no standing.

1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Legal Malpractice on
Q: Can an auto insurance company legally change a policy deductible after payment was to be taken but they have yet to.

Policy is active as of feb 14th 2021 for a motorcycle policy. Temp permit for 30days has been issued. Policy is for 1 year. They have yet to take the full payment on their own behalf. They state they can't offer a 500 deductible anymore due to underwriting, due to the value of the bike. They... Read more »

Peter N. Munsing
Peter N. Munsing answered on Feb 24, 2021

As a possible case of mutual mistake you have a right to cancel and go with other insurance. Right now if you need to ride your bike, you need insurnace, so I'd suggest you stay with them, shop around. Other companies could have the same deal or higher rates. But unless you have paid and it... Read more »

1 Answer | Asked in Insurance Bad Faith for Georgia on
Q: My insurance company reversed a check on my totaled car, can they do that after 90 days of the check being deposited?

I deposited the check on September 29 and they reversed the check January 7th. There is a whole lot more pertaining to this event, but I am wondering if they can do that after 90 days

Ellaretha Coleman
Ellaretha Coleman answered on Feb 17, 2021

It is very unusual for a check payment to be reversed after such a long period of time. We would need additional information to determine why this may have occurred.

1 Answer | Asked in Insurance Bad Faith for Georgia on
Q: Greetings who handles bad faith homeowners insurance claims for a home in Coweta Co Georgia?

My sons had a water pipe break on the second floor of their home, causing major interior damage. A restoration company had done the demo work, finishing just before Christmas. Due to lack of response from the insurance co., nothing else has been done since (today is Feb. 17th). What can be done... Read more »

Ellaretha Coleman
Ellaretha Coleman answered on Feb 17, 2021

Our office handles insurance claims throughout Georgia and Florida. Two months is more than enough time for the insurance company to have made their initial determination of coverage. We are happy to speak further with you on your rights to pursue payment for this claim.

Read more »

1 Answer | Asked in Car Accidents and Insurance Bad Faith for Maryland on
Q: How do I get an auto finance company to comply with requests from a GAP insurance company to settle an accident claim?

Auto finance company has consistently failed to provide all necessary documents needed by the GAP insurance company to settle a claim and pay off the balance on the car note. I am being billed for payments for a car that was declared totaled in an accident by my insurance company. This has gone on... Read more »

Michael Wilson McGraw
Michael Wilson McGraw answered on Feb 15, 2021

You should speak with an attorney. The auto finance company may be having some internal issues that you do not know about. Additionally, because you're paying on a vehicle that is totaled, the finance company is causing you to incur economic damages which you may be able to recover.

1 Answer | Asked in Consumer Law, Contracts, Real Estate Law and Insurance Bad Faith for Oregon on
Q: My basement has had previous flood damage that was hidden from us and not found on inspection, do i have legal recourse?

My basement recently flooded from a sump pump that failed during a rain storm. After calling the insurance company and having them send ServPro out to assess the damage we discovered that there was previous flood damage and mold growing inside the walls. Insurance says they wont cover it because... Read more »

Tim Akpinar
Tim Akpinar answered on Feb 10, 2021

An Oregon attorney could advise best, as obligations to disclose can differ according to state law. But your question remains open for two weeks. As as GENERAL premise of contract law, taking affirmative steps to hide a condition that was known could be bad faith (e.g. applying thick coatings in a... Read more »

1 Answer | Asked in Insurance Bad Faith and Small Claims for Oklahoma on
Q: My step mom forged my name on an life insurance policy that I was the only beneficiary on to herself. What can I do.

She broke into my house and stole the documents and, put in a change of address for mail to go from my house to hers. She also forged my signature to change the amount of the policy.

Charles Watts
Charles Watts answered on Feb 9, 2021

You need to contact the insurance company immediately and notify them. My advice is get a Post Office Box and send a formal letter to the insurance company giving them that address. Most likely you will need to file a police report for the criminal actions that took place, which I see at least 4... Read more »

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for California on
Q: Is a nursing home allowed to make changes to a residents insurance to meet the needs of the facility without consent?

A nursing home has made changes to my mom's insurance. My mom had Medicaid through the state of CA which was Health plan of San Joaquin. As of April 2020 , HPSJ was dropped and now she only has Straight Medicaid. I only found out after receiving bills from her Doctors telling me She owed for... Read more »

William John Light
William John Light answered on Feb 8, 2021

Any answer to this question would require a lot more information: medical records of your mom's condition in April 2020, documents showing the Home's authority to act on your mom's behalf, documents from HPSJ showing how the change in service was accomplished, research showing... Read more »

1 Answer | Asked in Insurance Bad Faith for Michigan on
Q: My Michigan Insurance agent forgot to put medical Coverage on my Motorcycle.. I have had the same Insurance since 2009.

Is there any Recourse?

Adam B. Kutinsky
Adam B. Kutinsky answered on Feb 8, 2021

I would need more information. Feel free to contact me to discuss it.

1 Answer | Asked in Real Estate Law, Civil Litigation, Insurance Bad Faith and Insurance Defense for Arizona on
Q: I need help finding a lawyer to help me file a insurance claim for a apartment fire.
Tim Akpinar
Tim Akpinar answered on Feb 5, 2021

An Arizona attorney could advise best, but your post remains open for two weeks. I'm sorry that happened to you. You could use the resources of this site (the Find-a-Lawyer tab above), you could run independent searches on your own, or you could look into whether the State Bar of Arizona has... Read more »

1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Civil Litigation for Florida on
Q: Can a person sue you if you have a fender bender, no damage, in a company vehicle with company insurance?

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... Read more »

Terrence H Thorgaard
Terrence H Thorgaard 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...
Read more »

3 Answers | Asked in Insurance Bad Faith, Insurance Defense and Probate for Florida on
Q: What do i need to proceed - Not a beneficiary but father has life insurance

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.

Evelyn Suero
Evelyn Suero 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.

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1 Answer | Asked in Insurance Bad Faith, Contracts, Criminal Law and Insurance Defense for Virginia on
Q: Is it legal to buy life insurance for more than 10 people that are acquaintances of yours? Assuming I have their consent

Relating to Maryland/Virginia

I have a lot of friends, and they are concerned with today's environment, and most are unable afford life insurance policies. If I were to buy life insurance for them and split profits with their selected beneficiaries, would it be difficult for me to... Read more »

Susan Fremit
Susan Fremit answered on Jan 29, 2021

An attorney who specializes in insurance law would have a better idea about what you are asking.

3 Answers | Asked in Personal Injury and Insurance Bad Faith for Oregon on
Q: Can an insurer require you to be evaluated by their doctor when treatment is partway done?

Last summer I was rear ended while stopped by a big truck with a solid steel bumper while I was in my 2003 Hyundai. Over the next few months I developed back pain and stiffness, along with sciatica. I started seeing a chiropractor after filing a claim with my insurer (who told me this was... Read more »

Mr. Michael O. Stevens
Mr. Michael O. Stevens answered on Jan 28, 2021

Yes, they can require this. If you review your policy I can guarantee you there is a clause that says you have to cooperate with your carrier, and that you must submit to what we call an IME. If they make you start going to a lot of them, then you might consider talking to an attorney to see at... Read more »

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1 Answer | Asked in Insurance Bad Faith for Louisiana on
Q: Can my home ins. company legally deny claim for roof damage from a hurricane by saying “we don’t cover wear & tear”?

3 roofers have said I need roof replaced. Two insurance company’s contract inspectors have told my roofer that it needs replacement but co still denies my claim.

Ellen Cronin Badeaux
Ellen Cronin Badeaux answered on Jan 28, 2021

Get written estimates for roof replacement. Make sure that estimates state: "due to hurricane damage". Send certified letter, return receipt requested, or fax, with estimate to insurance company.

1 Answer | Asked in Consumer Law, Contracts, Arbitration / Mediation Law and Insurance Bad Faith for Texas on
Q: What can I do about a supplemental insurance company's mistake resulting in my info being sent to a coworker?

Local insurance agent put a coworker's address in my account when we were enrolling (along with at least one other typo; birthday is/was wrong). Been going back and forth with him and the corporate customer support team. I can't get a refund and terminate my account, because I cant verify... Read more »

Teri A. Walter
Teri A. Walter answered on Jan 27, 2021

Was the agent negligent? Sounds like it. But at this point it's not clear what your damages are. If they fix the problem, you won't have any damages. No damages means no claim against the agent.

2 Answers | Asked in Estate Planning, Insurance Bad Faith and Insurance Defense for Ohio on
Q: Is a surviving spouse, if they did not sign a guarantee, required to pay hospital medical bills if the deceased spouse?

My cousin passed away from cancer. Over 1 year later, his wife received a Bill from a large cancer treatment center. She had great insurance. He was receiving experimental treatment. The bill was denied because it was above usual and customary. $71,000

Beverly A Stull
Beverly A Stull answered on Jan 23, 2021

According to recent Ohio case law, a creditor must deliver their claim to the estate's representative within 6 months of date of death. The cancer treatment center's claim should be denied.

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1 Answer | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Texas on
Q: Can a insurance claiming company claim more than a cars worth?

Can a insurance claiming company claim more than a cars worth?

Back in january of 2020 I got into a wreck with no insurance, the lady's insurance company came after me for a dent in her door and a dent in the door frame. Her car was a 1998 toyota. The insurance company is trying to... Read more »

Teri A. Walter
Teri A. Walter answered on Jan 20, 2021

Her insurance company can't "charge" you at all, but they can sue you for the damages they had to pay, whatever that is. Typically, if the cost to repair the damages are more than the car is worth, they pay the value of the car. I suggest you get a release in exchange for your... Read more »

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