My boyfriend does not drive my car and is not a owner of the car in any way. The only reason he has his license is for work. My insurer added him to my policy after stating that "you did not verify so we added him anyway". Their website clearly states that he is classified as a... View More
I understand your concern about being "forced" to add someone to your policy, especially when it's your own car and the other person DOES NOT drive your car. However, you can imagine the insurance company's concern that he still could have access to your keys and there is a...View More
A supervisor advised me to cancel my current car insurance policy because my car engine was damaged I didn’t run it blew up my mechanic confirmed it , so on that advice I canceled it, I got another car and now I have an insurance lapse of coverage, I was assured I would not have any issues
An Oregon attorney could answer best, but your question remains open for four weeks. Additional information is needed, but it looks like something may have fallen through the cracks in cancelling insurance on one vehicle on your policy and reinstating it for another. If the cars were markedly...View More
An Oregon attorney could advise best, but your question remains open for two weeks. It isn't clear what is at stake in the distinction you ask about, whether the policy was cancelled for non-payment or the car being undrivable. Either way, it sounds like the vehicle was not on the road. If...View More
I believe my landlord is colluding with my surrounding neighbors in order to gain information about the way I live so that they may navigate renters insurance the best way. For 6 months this has caused me extreme mental distress to the point where I tried to kill myself out of hopelessness and... View More
Hard to see how someone else affects your renters insurance but nothing you have posted appears to be unlawful. Also is very hard to see why you would elect suicide over just moving elsewhere. You would likely be better served to focus your efforts on getting adequate counseling and care rather...View More
Right off the bat I had to sign a huge stack of papers which I was kind of unsure signing to begin with, but it was a relinquishing my the information from all bank accounts all of my person to person pay apps that. my call log on my phone all any phone records. I also had to provide phone numbers... View More
You must have a basis to sue your insurance company. You cannot sue your car company merely for asking for documentation to support a claim you are making. To answer this question, more context is needed. What is the underlying claim you are making that would entitle you to insurance coverage?...View More
An Oregon attorney could advise best, but your question remains open for two weeks. A law firm would ask for additional information regarding the claim, denials, appeal, and other file documents before offering direction, but you could use the Find-a-Lawyer tab above to search Oregon attorneys as a...View More
At first they told me they were going to deny it. The next day they said they would partially approve it. The day after that, they said that they again said they were going to deny it. So far - they have put nothing in writing. They reversed because my $11K damage to my walls, ceiling, and trim was... View More
An Oregon attorney could advise best, but your question remains open for two weeks. It could be difficult to speculate about the change in position without knowing more about the file in terms of the policy terms, damages, repairs, inspections, approvals, and other possible issues. If the reversal...View More
I informed my insurance company to base the new damage on the old claim. They said it's a new claim. I have a $4500 deductible. What is my best approach? The restoration team said they could not determine if it was related. So far they haven't informed me that I even have a claim and it... View More
An Oregon attorney could advise best, but your question remains open for two weeks. One option is to consult with an architect or civil engineer about the prospects of proving a common thread between both sets of damages. Given that the restoration team's position is that they could not...View More
Total lost ,is been 2 years now the condo 70% done sudenly there 2 things hapend our porsonal insurance says we have to move out of tenporaly housing.and the unit that cause fire lawyer text us about how much amount that they(farmers) owe us. I dont want answer i need advice
An Oregon attorney could advise best, but your post remains open for four weeks. I'm sorry for your ordeal and the loss of your home to fire. When you say you want advice, not answer, you may need to consider a consult with an attorney (if you don't have one already, where the attorney...View More
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... View More
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...View More
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... View More
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...View More
Dr refusing treatment and medication due to a missed urine test and discriminated against due to assuming drugs have been involved with no criminal background or past experiences this man will die soon without help
Thank you for the question. I hope that this man will get help soon to prevent a death. It seems like there must be much more to the story raised in the question. Medical doctors swear to an oath to "Primum non nocere" (First, do no harm). First, it has to be established that the doctor...View More
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....View More
My wife was recently laid off and had some medical and dental work done before her coverage ended. The insurance companies processed and paid the claims, but now one of the insurance companies has demanded payment back from the dentist. The dentist office has never seen anything like this before,... View More
An Oregon attorney could advise best, but your question remains open for two weeks. COBRA does have retroactive features - this is something that an employment attorney could probably explain better than attorneys who work only with general medical insurance claims and denials. You could either...View More
I was in an accident were liability was determined to be completely the other drivers fault. Both of us have the same insurance carrier (Progressive). The insurance company forced me to use my own PIP to pay my medical bills. I would have rather not used my own policy (PIP) and filed a third... View More
Because that is how it works until you settle with the insurer for the at-fault party. That insurer has no obligation to pay you anything until you settle or take them to court. This is why PIP exists, so you can get medical care and lost income while you wait to be able to settle with the other...View More
A sink overflowed during the night. We speculate that she got up in the night, got a drink, and turned the knobs up instead of off. She doesn't remember. Now the apartment is saying she is responsible for the damage. Her insurance is saying that they don't cover her liability to her... View More
One possibility, if the apartment is willing, would be to look into whether their policy would cover the loss. They are likely to have a more comprehensive policy that covers a greater range of losses. However, choosing which route they would use to pursue recovery is something in their hands. Good...View More
An at fault party's insurance company has neglected to reimburse for car rentals, which they agreed to pay for, or provide any closure. Even with police report (which I had to provide at my own expense) and video evidence it took almost 2 months to accept liability. One month after having my... View More
I purchased a unique 66 mustang from a private owner. Long story short 2 hours after the sale some older lady came out of nowhere & smashed both my cars which I paid in full (parked behind each other) to total loss status. No bill of sale was made in the process because Oregon does not require... View More
They want proof of ownership. How you work that is up to you. However, the issue is what the value is.
Likewise on #2. Unless your policy has replacement value you don't get it in most states.
You can check with the insurance commissioner for your state as to what they can ask...View More
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