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Insurance Bad Faith Questions & Answers
1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Oregon on
Q: My insurance company was suppose to be settling my claim and today demanded my phone and text records going back 3months

Also my financial records going back 2 months. What the hell

Tim Akpinar
Tim Akpinar answered on Dec 2, 2020

An Oregon attorney could advise best, but your post remains open for three weeks. It's difficult to speculate what could have caused the insurance company's change in position without knowing additional details. Whatever the reason, something raised the suspicion of the claims examiner.... Read more »

1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Estate Planning for Texas on
Q: My mother had no beneficiary listed on her life insurance policy, what can I do to get the information I need?

Not only did she have no beneficiary but her ex employer whom she was long retired from seems to be holding up the process to pay out the funeral home. For privacy reasons they will not give out the policy number (the insurance company) and i have no copy of the policy itself. The funeral home... Read more »

Terry Lynn Garrett
Terry Lynn Garrett answered on Dec 1, 2020

Step one. Obtain the death certificate.

Step two. Hire a local probate attorney to help you file either a Small Estate Affidavit or an Application to Determine Heirship, opening the estate.

Step three. Send the court order to the life insurance company.

Please remember...
Read more »

1 Answer | Asked in Consumer Law, Insurance Bad Faith and Small Claims for Colorado on
Q: Hi! This is a dental billing issue. I am thinking to go to small claims court re it, but not sure it's worth it

I have received a quote from a dental company for implant, abutment and crown for 4 535$. This is with the consideration that my dental insurance will cover 50% of the first and second part of all work and my out of pocket will be 2212$. I thought that this quote means this info is checked with my... Read more »

Tim Akpinar
Tim Akpinar answered on Nov 29, 2020

A Colorado attorney could advise best, but your post remains open for three weeks. In terms of reimbursement efforts, they could depend on whether that how the clause was worded and the dental company's agreement. One option could be to consult with a Colorado attorney who handles... Read more »

1 Answer | Asked in Insurance Bad Faith for Pennsylvania on
Q: Good evening I’m inquiring about a vehicle I have in my name. Recently found out the truck is on the road being driven

The tags are suspended and the vehicle or has no valid insurance. The person that has it will not allow me too take my vehicle back. How can I get my truck back without having too worry about an altercation?

Timothy Kraeer
Timothy Kraeer answered on Nov 25, 2020

Frankly, if this person is driving your vehicle without permission, it's an unauthorized use and that's a crime. Beyond that, if this person were involved in an accident, you could could be liable for the damages and/or injuries this person caused in the accident. Additionally, if YOU are... Read more »

1 Answer | Asked in Insurance Bad Faith, Arbitration / Mediation Law and Landlord - Tenant for Florida on
Q: Damage done to my Apartment in Clearwater Florida.

I live in an apartment complex in Clearwater Florida, the management company just had my A/C unit replaced. However the contractors who did the work did a lot of damage to my personal property however, and since no one was home to supervise them and the management company did not have anyone... Read more »

Tim Akpinar
Tim Akpinar answered on Nov 14, 2020

A Florida attorney could advise best, but your post remains open for three weeks. Based on your description, this looks like a difficult and messy situation. If you are able to find resolution through insurance, that might be your most economical route. Even if you retained an attorney to pursue... Read more »

1 Answer | Asked in Insurance Bad Faith for New York on
Q: Hedgepeth v Home Savings and Loan Assoc 361 S.E 2d 888 ( NC App. 1987) Please briefly describe what occurred in the cas
Tim Akpinar
Tim Akpinar answered on Nov 12, 2020

There is a resource on the case here on the Justia site. Enter the following page link in your browser:

https://law.justia.com/cases/north-carolina/court-of-appeals/1987/8715sc224-1.html

Good luck

Tim Akpinar

1 Answer | Asked in Car Accidents and Insurance Bad Faith for Texas on
Q: Is my school liable to damage to my car due to negligence on their behalf?

I attend a small private school and they have the students park in a parking garage. However, whenever it rains they sometimes move the gym class and will have it take place in the garage. Normally there is not issues but today, they decided that it was going to be a good idea to play dodge ball... Read more »

Tim Akpinar
Tim Akpinar answered on Nov 12, 2020

A Texas attorney could advise best, but your question remains open for two weeks. It could depend on whether there are property damage disclaimers the school has in effect for staff cars parked on the premises. Good luck

Tim Akpinar

1 Answer | Asked in Insurance Bad Faith for Florida on
Q: Are mobile home owners required to carry homeowner insurance in Florida?
Charles M.  Baron
Charles M. Baron answered on Nov 3, 2020

Not under Fla. law; however, if there is a lender involved, it might require it, and if the mobile home is in a mobile home community/park, the landlord might require it. The following link gives good info for consumers regarding homeowners insurance in Fla.:... Read more »

1 Answer | Asked in Consumer Law and Insurance Bad Faith for New Jersey on
Q: I purchased life insurance from Colonial Penn a few months ago. Last week a rep called me and tried to get me to upgrade

I purchased life insurance from Colonial Penn a few months ago. Last week a rep called me and tried to get me to upgrade. I told him no at least six times. he was very aggressive and pushy. I got a letter the other day saying "Congratulations! As we have discussed over the telephone, you made... Read more »

Melissa Totaro
Melissa Totaro answered on Nov 3, 2020

Selling you coverage you did not want and did not ask for is not permissible. You should call the company and try to get the change reversed and the coverage that you want reinstated at the original premium that you were happy with. If the company refuses to do it, you should contact a consumer... Read more »

2 Answers | Asked in Insurance Bad Faith, Insurance Defense and Health Care Law for Colorado on
Q: How do I find a pro bono or sliding scale attorney to deal with long term disability claim against lg insurance company?

I have had an illness for months but specialist is still seeking diagnosis. Short term disability has been exhausted. Long term disability company is asking me to sign medical release for entire medical record and waive HIPAA in addition to other seemingly inappropriate questions that have nothing... Read more »

Tim Akpinar
Tim Akpinar answered on Nov 3, 2020

A Colorado attorney could advise best, but your post remains open for two weeks and you mention needing help quickly. One option is to start reaching out to attorneys who handle disability claims. Many attorneys in that area provide free initial consults - that's between you and the attorneys... Read more »

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1 Answer | Asked in Car Accidents and Insurance Bad Faith on
Q: In the state of Georgia: Can the insurance company take my declared total car away without my permission?

In Georgia: My BMW's cosmetic damage is fully repairable with no other damage but the adjuster totaled it. My BMW runs perfect, I put a lot of money into it's engine and transmission for safety and functionality. I want to keep my BMW that was declared totaled that is fully repairable... Read more »

Tim Akpinar
Tim Akpinar answered on Nov 1, 2020

A Georgia attorney could advise best, but your question remains open for two weeks. As a GENERAL matter in many jurisdictions, a property damage adjustor can include a salvage value, where the vehicle owner could be presented with a lower figure if they choose to keep the car. Since insurance... Read more »

1 Answer | Asked in Civil Litigation, Insurance Bad Faith and Insurance Defense for Tennessee on
Q: How do I recover lost wages, damages, rental and have them cited for no insurance and driving without a license?

A car with Mississippi auto dealer tags was uninsured with unlicensed 15 year old driver...driving who backed out of their driveway into our car that we bought the day before! They were not given any citations from officers. The damages to our car est. 13,050. Our uninsured motorist policy has... Read more »

Bennett James Wills
Bennett James Wills answered on Oct 28, 2020

If your insurance does not cover the whole amount of damages you'll have to file a lawsuit against the driver/parents to try and recover a judgment for damages. But you can't force the police to issue citations.

1 Answer | Asked in Health Care Law and Insurance Bad Faith for Georgia on
Q: Can a hospital billing office refuse to contact an insurance company directly over a problem with the claim?

So my father had surgery in March to reverse is ileostomy, and the insurance company says that the provider listed on the claim was incorrect. They want the hospital billing office to contact them directly. However, the billing office simply says "we don't do that". So we are stuck... Read more »

Tim Akpinar
Tim Akpinar answered on Oct 23, 2020

A Georgia attorney could answer best, but your post remains open for three weeks. Until you are able to consult with a local attorney, one of the things you could look into is the correct information for the provider. Although any large hospital has its inhouse billing/collection operations, there... Read more »

1 Answer | Asked in Insurance Bad Faith and Medical Malpractice for Illinois on
Q: Can dr be liable for a bad surgery

Had shoulder surgery and still having problems from it and I have a long painful scar and nerve damage now can the hospital be liable for my problems after surgery,loss of grip nerve pains from my shoulder to my hand

Robert D. Kreisman
Robert D. Kreisman answered on Oct 23, 2020

Much depends when, where, and most importantly whether your nerve damage was caused by a deviation from the standard of care during this surgery. It's impossible to know the answer to the last point without a thorough review of your hospital records, your operative report, and post-operative care.

1 Answer | Asked in Insurance Bad Faith for Pennsylvania on
Q: Can I sue a healthcare insurance company for lying about coverage to get me to sign up
Kent Petry
Kent Petry answered on Oct 22, 2020

Maybe! You can sue for a lot of things depending on your scenario...whether the claim has merit or a chance of success is another issue. You should speak to an attorney about your specific facts.

2 Answers | Asked in Insurance Bad Faith and Insurance Defense for Washington DC on
Q: I have structured insurance. My roof was damaged 2+ yrs ago, l made a claim, they did not settle until two yrs later.

They never paid for the roof, but paid for the damage to rooms inside the house from water from the roof. They also blamed me for the damage. What can l do? I only have structural coverage.

Tim Akpinar
Tim Akpinar answered on Oct 21, 2020

A District of Columbia attorney could advise best, but your post remains open for two weeks. It's difficult to make an accurate guess as to the non-payment without seeing the policy and the denial, with any accompanying investigation reports or surveys. One option is to meet with an attorney... Read more »

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1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Virginia on
Q: My neighbor house caught on fire and the fire also damaged my house, who suppose to pay.

At the time of the fire, i didnt have homeowner insurance on my house and the insurance company refuses to pay for the damage of my house isnt it there responsibility to pay

Tim Akpinar
Tim Akpinar answered on Oct 4, 2020

A Virginia attorney could advise best, but your question remains open for three weeks. To offer a meaningful response, one would need to see the policy and its scope of coverage. You could look into the cost of a brief consult with an attorney to outline your most cost-effective options. If there... Read more »

1 Answer | Asked in Insurance Bad Faith for New York on
Q: An insurance company we were with for 11 years quadrupled our homeowners premiums during this time Is this legal?

We Filed a couple of homeowners claims several years back and they kept exorbitantly upping our premiums year after year Annually I would call them and ask what could be done to better our rates. They offered nothing. our Renewal policies came in through the roof For oct 2020 so we decided to... Read more »

Tim Akpinar
Tim Akpinar answered on Sep 29, 2020

Multiple claims could cause a significant rise in premiums. In terms of the other matter, you may need to review the file with an attorney in terms of the basis for the retroactive assessment - whether stemming from representations upon which their underwriters assessed the risk. Based on the... Read more »

1 Answer | Asked in Civil Litigation, Contracts, Insurance Bad Faith and Insurance Defense for California on
Q: My dentist refuses to abide to the insurance in-network contract and has charged me more than the allowance for braces.

The insurance has already called them more than once to inform them that there is an allowance but still they are overcharging me. A financial agreement was signed and the dentists stated on the agreement that those were the allowed insurance and treatment charges but it was all a lie and fraud. My... Read more »

Maurice Mandel II
Maurice Mandel II answered on Sep 28, 2020

You could file such a lawsuit, but IMO what you really have is a run of the mill breach of contract suit against the dentist. This really is not something to be excited about, and it is not going to go to the Supreme Court. You should write a calm and polite letter to the dentist with a copy of... Read more »

1 Answer | Asked in Health Care Law, Insurance Bad Faith, Libel & Slander and Personal Injury for California on
Q: A notice of suspension. (NOS) to Poppy Trails Trailer par pursuant health and safety code18510 & 18511 18870.11 18870.12

Health and safety code section 18510 18511 and or 18870.11 18870.12

Notices on dates January 1, 2016. October 25th 2018 and May 27th 2020 ordering you to renew your expired PTO or to be subject to the PTO suspension of civil penalties and criminal procedures penalties including dates on the... Read more »

Dale S. Gribow
Dale S. Gribow answered on Sep 27, 2020

MORE INFO NEEDED.

I DO NOT BELIEVE THIS IS A NEGLIGENCE QUESTION.

I SUGGEST YOU CALL A CHINO LAWYER, AND FIRST WRITE OUT ALL THE FACTS IN DETAIL, SO THAT THE LAWYER IS NOT PLAYING SECRETARY.

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