Texas Insurance Bad Faith Questions & Answers
Q: Can claim on my AD&D if cancer & injury has stopped my arm and hand from working?
A year ago i was put on short term then long term and ssi. June of this year, i was told by doctors my arm and hand would never work again. So most likely i will lose my job. Can i claim on my insurance i had and insurance my company had on me, like AD&D?
If you could repost or add categories, add Social Security and Public Benefits. You are correct in selecting Personal Injury, but you would probably get more meaningful input from an attorney who handles Social Security disability matters. Good luck
Tim Akpinar
Q: Is it too late to sue for damage?
My vehicle was totaled last year while parked at a tire shop, the driver involved allegedly fell asleep while driving. He totaled my car and some other vehicles that was parked. The driver does not have an insurance and not listed in his parent's car. My car was in pristine condition & was fully... Read more »
I believe the statute of limitations for damage to property is two years. Contact your insurance because they may sue him in "subrogation,"
and would include an amount that covers your deductible.
But first I'd ask him to pay you and see if he agrees. If not you can report that to... Read more »
Q: friend got a citation for no license in my car. They used my insurance. Will my parents find out? Or will my rate go up?
Insurance under parents
Was there a crash? If not no problem. Even if there was, I don't see a problem under most scenarios. Rates only go up if the driver is at fault in causing the collision, if there was one. The question of fault has nothing to do with the license.
Q: Texas and bad faith
My daughter was hit by a driver who ran a red light. The other driver was ticketed. His insurance company denied our claim without even having a copy of police report. They have also been very difficult to contact. I read that Texas doesn’t allow bad faith lawsuits unless it is between the... Read more »
You should pursue the case and obtain an attorney if the other driver was ticketed if your daughter sustained injuries. There may be other options considering the facts of the accident and whether you also have coverages that can apply. Of course there are time limitations on a lot of claims.... Read more »
Q: An auto insurance company doesn't want to counteroffer until I come down more from my original counter. what should I do
Just received a letter from the insurance company saying:
""We have minimum limit policies 30/60 and unless the counters are more reasonable for me to extend another offer I could be bidding against myself. You can call me and we can discuss the claims and if a more reasonable counter is... Read more »
Based on the facts at hand, it isn't mentioned what their offer is. If you consult with a Texas injury attorney for their opinion on the insurance company's offer, they are going to want to know more about the medicals. Based on the description here, the other vehicle ran a red light and your... Read more »
Q: officer gave me the insurance information of the at fault driver who was driving someone else insured vehicle.
officer gave me the insurance information of the at fault driver who was driving someone else insured vehicle. I called the at fault drivers insurance and the at fault drivers insurance discovered that the at fault drivers was driving someone else vehicle and gave me the involved vehicle insurance... Read more »
We assist injured victims in accident cases. Depending on your injuries it is possible that both companies could be liable to pay for your damages. 888-3434LAW or 888-343-4529.
Q: Can the liable party of an accident personally close a claim made on them after they are found liable?
I was rear ended and went through the liable parties insurance. After a few weeks, he was found liable and I obtained the incident report which corroborates my story as well as supports my statement that he was, "inattentive." I was texted by the liable party stating that he has closed the claim... Read more »
You can still submit your damages to his or her insurance company for direct payment. There may be supplemental repairs to your vehicle so it is best to let the insurance company deal with it. Sometimes, these repairs are really costly and some damages are not seen until they begin repairing it.... Read more »
Q: Liberty Mutual Insurance just totaled my vehicle, but I believe my car is worth more. What can I do?
If you believe that your vehicle is worth more then we would negotiate for the higher amount. We would do our own evaluation with your input. First, make sure that you have exhausted all options. We represent those who are injured and have for many years so if you have any more questions please... Read more »
Q: Allstate sold me a product they does not carry.
Then, the underwriter declined, because Allstate does not have a million as liability in the landlord policy. The underwrite told the agent, but agent ignored it and did not inform me at all while I was overseas, the agent knew I was overseas. So when I found out on 9/5, that I do not have a... Read more »
I do not practice in Texas but your question remains open for three weeks. An experienced attorney familiar with insurance law (including underwriting issues) should be able to provide guidance.
Tim Akpinar
Q: I have full coverage insurance and had an accident only involving my car,my insurance said they are not liable
I was driving my car when the drive shaft broke off,as a result I lost control of my car and had to break hard and suddenly to prevent an running into anything. My children and I both are experiencing whiplash..pain in neck/head,stiffness ect. I called my insurance because I wasn't sure what to... Read more »
If you have liability only insurance, then you are likely not covered for any damage or harm to you or the passengers of your vehicle. You should review your policy to determine the coverages.
Q: Insurance company is refusing to pay my father's life-time settlement agreement for 4yr now which is to pay 15k/yr
He was awarded in court a life-time settlement. We have all the paperwork and even the original checks from the initial payout. However the company that is now supposed to pay the 15k per year is refusing to pay. Calling them just sends you from employee to employee, in circles. One lady flat out... Read more »
You can contact an attorney of your choice or else you are free to contact my office.
An attorney will need to review the file and paperwork to determine what benefits are due and owing. My website is www.onthejobinjury.info. Ph. 214-358-6060
Q: the insurance compay says we changed it to (um) personal injury from property.and it was changed (signed) via computer.
not what we wanted.at all.we got (um)to cover our truck.in the event of an accident.
Then get a copy of the policy to check which it is.
Q: If I was to file my boyfriend as a beneficiary on my insurance plan does that make us common law married
That does not make you common law married, no
Q: our truck was wrecked.we had uninssured motorist.our insurance says they changed it(per our request)we did not.what can
we do.? our truck was totaled.by a restricted driver.
Texas law requires that any rejection of Uninsured Motorist (UM) coverage be in writing. Have your agent show you the writing where it was waived/rejected.
Q: What will happen to my claim if the excluded driver on my policy was driving. Other car was at fault.
None of my drivers information was taken. He shouldnt even be excluded, he was only listed because he owned the second vehicle on policy. I removed vehicle back in November 2017 and he should have been taken off with that. How would I file this claim?
you file a claim for the damage to your car with the at fault driver's policy. Don't get into all the back and forth about who was and wasn't driving.
The driver has a claim for their injuries which they need to see a member of the Texas Trial Lawyers Assn for--they give free consults.
Q: What are the statue of limitations in Texas for no insurance on a vehicle
A warrant was issued in 2002 for no insurance on my vehicle and they are telling me there is still a warrant out for me.
The statute of limitations is tolled once the charging instrument is filed with the court. The statute is 2 years for misdemeanor cases in Texas, but once the case is filed with the Court, the statute of limitations no longer is an issue. For a 2002 case, however, they may be other issues you can... Read more »
Q: Son got in a car accident 2 days after we bought the vehicle and is not insured
We recently purchased a used 2016 Ford Mustang for my son for his 18th birthday which is on January 3rd. Until then, I did not want him driving due to him not being insured. 2 Days later, I gave him permission to drive to run some errands and pay some bills for us since me and his mother are away... Read more »
You should check your insurance policy to determine whether he was an excluded driver. It's possible that your insurance will still cover the accident, depending on the insurer. However, it's likely that there's an exclusion for allowing someone to drive the car who is not a licensed driver.... Read more »
Q: How do you deal with an insurance adjuster who is low-balling his estimate of the value of your car?
My son was just involved in a collision that totaled his car. The other driver had insurance and his company acknowledges that he was to blame and are offering to cover damages, but they are low-balling the estimate of the car's value, trying to pay one half its Kelly Blue Book. The car is 9 years... Read more »
Understand the playing field. It's not the Kelly blue book but the NADA blue book that matters (or the McClean Hunter Market report called the red book). Value is what sons car would be worth the minute before the crash. Look on cars.com and you'll get a better idea--use a 450 mile radius and look... Read more »
Q: Does insurance cover storage fees when car accident is not my fault ?
When you say storage fees are you referring to a storage lot? The simple answer is yes, the insurance company for the person at fault should pay for storage fees. It is best to contact them quickly to seek proper course of action because storage fees add up very fast. You will likely have to pay... Read more »
Q: Can I get insurance to pay me for their customer fault on a accident after a judgement?
I had a accident with someone, did the usually exchanged insurance information other person took fault but changed his story once he spoke to his insurance, his insurance denied my claim after having a police report stating it wasn't my fault, so I took that person to small claims court (he didn't... Read more »
Congratulations on your award. You can do that. However if you were hurt you may want to talk to an injury attorney first as there may be issues created by a property only judgment. Call the attorney now before the time to appeal the judgment to the court of general jurisdiction is passed; don't... Read more »
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