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Indiana Insurance Bad Faith Questions & Answers
1 Answer | Asked in Insurance Bad Faith, Personal Injury and Products Liability for Indiana on
Q: Why would an insurance company offer to "resolve" the claim with payment after the claim was denied?

I am the third party in a product liability insurance claim. My claim was denied and I appealed the decision and it was denied again but have continued contact with the claims adjuster. Yesterday, the adjuster called me wanting to "resolve" the claim by offering payment for... Read more »

Tim Akpinar
Tim Akpinar answered on Oct 6, 2021

An Indiana attorney could advise best, but your question remains open for a week. It's really anyone's guess why they want to resolve the claim all of a sudden. One possibility is that the claims adjuster needed additional information to evaluate the claim. And speaking with their insured... Read more »

1 Answer | Asked in Car Accidents, Insurance Bad Faith, Insurance Defense and Traffic Tickets for Indiana on
Q: insurance company refuse to pay for my vehicle after an accident cause someone was driving with suspended license

My husband received a ticket in February 2021 we paid the speeding ticket and the Bmv sent the sr-16 to the Bmv my husband got into an accident and hit a tree he was the only one involved in the accident in July 2021 and that’s when he found out his license had been suspended and yes I know... Read more »

Charles Candiano
Charles Candiano answered on Aug 13, 2021

An insurance company has a right to refuse payment on an accident claim if the driver did not have a valid license. You admit that your husband did not have a valid license at the time of the accident. Your insurance company may well be refusing to issue a certificate of coverage but that refusal... Read more »

1 Answer | Asked in Consumer Law, Contracts and Insurance Bad Faith for Indiana on
Q: Policy coverage dispute question: I cancelled my homeowner's insurance the same day I bought a new policy...

The new company could not insure me until 12:00 a.m., meaning the next day. The acknowledgement of cancellation from the prior company states my policy is cancelled at 12:01 a.m. the day I cancelled which is technically before I cancelled. My mortgage company is requiring proof of insurance for... Read more »

Tim Akpinar
Tim Akpinar answered on Aug 14, 2020

Unfortunately, the use of those figures alone, as a general practice, could leave too much open to interpretation. If possible, it might be best to have them clarify in writing what the last full day of coverage is and what the first full day of coverage is with the respective carriers, rather than... Read more »

1 Answer | Asked in Car Accidents and Insurance Bad Faith for Indiana on
Q: Car insurance didn't approve accident.

I have insurance on my vehicle as well as my husband and daughter in laws. Were all covered for all cars. My dil got into an accident 2-19. Her car is in my son's name. Hes in the navy and will be gone for 8 years, so we don't have him on the insurance. Now they're refusing to cover... Read more »

Charles Candiano
Charles Candiano answered on Apr 16, 2020

With the exception that you must purchase insurance in a minimum amount, the terms of your auto insurance are governed by your policy, NOT by law. So it is not possible to tell you whether the exclusion is "legal or illegal." An insurance policy is a contract so it can specify whatever... Read more »

2 Answers | Asked in Car Accidents and Insurance Bad Faith for Indiana on
Q: Need advice about getting rear ended in indiana. Not enough characters here to explain every detail. Thanks

My friend was rear ended in indiana in 2017. The distracted lady apologized because her kids distracted her causing the accident and the lady's insurance paid my friends medical and car damage. When the police questioned the at fault lady, she claimed my friend was stopped at a green light,... Read more »

Timothy Rowe
Timothy Rowe answered on Feb 16, 2020

She needs to get a letter from her insurance company in writing showing she is not fault. She needs to get a copy to the BMV so her record is corrected. She also needs to keep the letter and also a copy of the police report to show she is not at fault for any new insurance company that gives her a... Read more »

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1 Answer | Asked in Insurance Bad Faith, Insurance Defense, Products Liability and Car Accidents for Indiana on
Q: My insurance company wants to total my car, i was not at fault. Can i ignore this and pursue at fault party insurance?

I was at work when our job security ran into my parked vehical, it all on surveillance. We went through the usual insurance swap, police report, inform my insurance of the accident. I was unable to reach anyone in the at fault party insurance, so my insurance offered to reach out to get info and... Read more »

Peter N. Munsing
Peter N. Munsing answered on Jul 11, 2019

Either insurance can pay for the cost of fixing the car or the total loss value, it's their option. If you think it can be fixed you can buy it back for the salvage value, but then youget a "junk title" --and if you find out because of alignment or other problems it's not really... Read more »

1 Answer | Asked in Car Accidents and Insurance Bad Faith for Indiana on
Q: I was involved in a auto accident at no fault. My Insurance is lying and putting off settling the claim.

I was entering a intersection as my light turned yellow, going straight, a girl coming from the opposite direction, in the left turning lane, turned right into me. This happened the 20th of October. We both have Geico Insurance, and they have both of us at no fault. They have 2 statements verifying... Read more »

Charles Candiano
Charles Candiano answered on Nov 12, 2018

If Geico says you were not at fault and you go through your policy, your car will be replaced, immediately, less your deductible which Geico must return to you on your facts. What's the problem?

1 Answer | Asked in Contracts, Insurance Bad Faith and Car Accidents for Indiana on
Q: If I don't use the money the insurance company gave me to pay my chiropractor bill, what can they do, what could happen?


Hi I was in an auto accident in Ohio November 2016; had to receive chiropractic treatment until January. The insurance company just mailed the checks to me 2 weeks ago. We are going through a very tough time, as my fiancé is off work from being hurt at work ( a process currently being... Read more »

Peter N. Munsing
Peter N. Munsing answered on Mar 29, 2017

Plan on paying the chiro. That's the person you are obligated to. Don't do it again.

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