Lawyers, Answer Questions  & Get Points Log In
Missouri Insurance Bad Faith Questions & Answers
1 Answer | Asked in Car Accidents and Insurance Bad Faith for Missouri on
Q: Can my auto GAP deny a claim based on a policy exclusion if they never provided a copy of the policy prior to the claim?

I submitted a GAP claim after my vehicle was deemed a total loss and insurance paid out the fair market value for the car. The GAP insurance company is trying to deny the claim as the vehicle was being driven for a transportation network company, citing their exclusion for commercial use. I never... Read more »

Peter N. Munsing
Peter N. Munsing answered on Mar 18, 2019

Yes. You also want to note that your crash was in the course and scope of normal driving. In other words, it wasn't something about your job that caused you to drive on some back road that caused the wreck.

1 Answer | Asked in Insurance Bad Faith, Criminal Law and Military Law for Missouri on
Q: Bad Background check.

I was arrested for sexual assault while in the army (December 2014) and was proven innocent to the charges but it still comes up that I was arrested for it in a background check and I cant purchase a firearm because of it and I feel like I've lost a few Pharmacy technician opportunities what... Read more »

Patrick Korody
Patrick Korody answered on Sep 28, 2017

The problem is that CID entered your arrest/subject in the investigation (called "titling") in DCII and NCIC, databases that track arrests. Your DNA was also put in CODIS. Getting your DNA taken out of CODIS is pretty easy. Getting your arrest out of DCII and NCIC is going to be... Read more »

1 Answer | Asked in Insurance Bad Faith for Missouri on
Q: Is it legal for insurance co to refuse access to phone conversation recordings until I file subpoena?

my insurance company provided misleading information via phone, resulting in thousands of additional dollars in medical charges. I want to review those phone conversations I had with insurance representative. insurance company refuses to respond to my request, and is demanding a subpoena be filed... Read more »

Adam Studnicki
Adam Studnicki answered on Jul 14, 2015

Insurance companies typically won't turn over anything unless you file a lawsuit and issue a subpoena or discover requests.

Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.

The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.

Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.