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Insurance Bad Faith Questions & Answers
1 Answer | Asked in Consumer Law, Arbitration / Mediation Law, Elder Law and Insurance Bad Faith for California on
Q: If I was overcharged for a root canal 15 mos. ago Am I entitled to reimbursement plus interest? They earned interest.

I wanted to go to my root canal dentist who was in the plan but they insisted i go to their sister office; as it turned out he was nor in the plan and i had to appeal to get them paid.

Tim Akpinar
Tim Akpinar
answered on Apr 12, 2022

A California attorney could advise best, but your question remains open for three weeks. Nationwide, claimants do sometimes include interest in filing arbitrations for health care services (I cannot speak for California rules with AAA or other arbitration forums). But as a practical matter, it... Read more »

1 Answer | Asked in Insurance Bad Faith, Personal Injury, Car Accidents and Insurance Defense for Virginia on
Q: Can I still try and negotiate a settlement? And are insurance companies willing to settle on a low balance for long cas

I was injured in a car accident a couple years ago, and I was awarded a very small amount last year which wouldn't cover the full medical cost.I no longer have an attorney but I was told by an attorney, although he wouldn't represent me, that I could ask the health insurance if they had a... Read more »

Tim Akpinar
Tim Akpinar
answered on Apr 10, 2022

A Virginia attorney should advise you here, but your question remains open for two weeks. Your description contains many facts to sort out, and requires the guidance of a local attorney, not just a response based on general legal principles.

From what I can sort out, you were awarded a...
Read more »

1 Answer | Asked in Car Accidents and Insurance Bad Faith for South Carolina on
Q: I got into a accident in my boss vehicle, it was a two way and I yielded improperly which resulted in a accident?

When the accident happen, my boss and I check to make sure nobody was hurt. We waited until firefighters arrived and we proceeded to give my licenses and his insurance cards. According to the state trooper my boss didn’t have insurance. Which my boss gasped and didn’t know why. He immediately... Read more »

Tim Akpinar
Tim Akpinar
answered on Apr 10, 2022

A South Carolina attorney could advise best, but your question remains open for three weeks. I'm sorry about your accident; I hope you are okay. In terms of liability, the other vehicle could choose to pursue recovery through their uninsured motorist protection - but that could be up to them.... Read more »

1 Answer | Asked in Consumer Law, Insurance Bad Faith and Insurance Defense for Massachusetts on
Q: Why don't life insurance prices vary by state?

Do different states not have different regulations or business costs? Is it because life insurance companies cannot discriminate on geography?

Tim Akpinar
Tim Akpinar
answered on Apr 8, 2022

This is something an insurance professional would know better than an attorney. The industry relies more on individual factors such as age, gender, health factors (history of disease, smoking, alcohol, etc.), and activities/line of work, etc. An insurance professional could offer a more... Read more »

1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Traffic Tickets for Minnesota on
Q: Pulled over for speeding. Written a ticket for no insurance. Showed him my insurance. Told to send it in and fight it.

The officer took my ID and returned to his car while I looked up my insurance info. He returned with a ticket for speeding and no proof of insurance. I showed him proof of insurance. He said he couldn't remove the ticket because it would be more work and I needed to send the proof in.... Read more »

Jonathan Matthew Holson
Jonathan Matthew Holson
answered on Apr 7, 2022

No, it does not de-legitimize the speeding ticket. The two issues are completely unrelated. There may be a legal issue with the speeding ticket, but this is not that issue.

1 Answer | Asked in Insurance Bad Faith for Florida on
Q: Does home insurance cover a tier one solar panel system on florida? Internet says yes, insurance companies say no.

When u call insurance companies, they say we have to pay more for more coverage. Online it says it should already be covered. Feel like insurance company is lying. Pls clarify.

Terrence H Thorgaard
Terrence H Thorgaard
answered on Apr 6, 2022

It would depend on the terms of the policy. If the insurance company tells you that they would charge more for a policy that covers solar panel systems, they can certainly do that. Whatever you read on the Internet was probably a general statement and not about any specific policy.

1 Answer | Asked in Civil Litigation, Insurance Bad Faith and Small Claims for California on
Q: Ice and snow fell on my vehicle at a business causing damage and their insurance saying not at fault. What can I do?

I was at a drive through coffee shop in Flagstaff, Arizona. It was warming up that morning and the ice and snow melted and slid off the business’ roof which ended up landing on top of my hood causing damage.

I filed a claim with their insurance (Chubb) and they came back and denied my... Read more »

Dan Rowan Cortright
Dan Rowan Cortright
answered on Apr 5, 2022

You may have a bad faith claim for denial of your claim, but it will likely depend on the terms in the business insurance policy. However, even if the insurance policy won't cover your loss, you may still be able to sue the business for negligence for your damages, but you will likely need to... Read more »

2 Answers | Asked in Car Accidents and Insurance Bad Faith for Texas on
Q: A semi smashed into our new 43 ft 5th wheel causing extreme damages while we were parked overnight at a Pilot Truck stop

Progressive hired an attorney ASAP because I'm an investigator & told them I knew insurance tactics. The adjuster had already low balled the damages. The 5th Wheel is under warranty & parts are in short supply. Nobody was hurt in the accident except my daughter is having nightmares... Read more »

Tim Akpinar
Tim Akpinar
answered on Apr 2, 2022

A Texas attorney could advise best, but your question remains open for three weeks. I'm sorry for the stressful situation this accident has placed your family in. Unfortunately, as you have seen from your efforts, it is difficult to retain an attorney on a contingency basis when there are no... Read more »

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1 Answer | Asked in Estate Planning, Insurance Bad Faith and Insurance Defense for Maryland on
Q: My father passed recently. He named me, his daughter, as beneficiary for his life insurance policy back in 2014.

He had to get his life insurance papework notarized due to state of Michigan retirement/pension rules, which he did, and then sent it in to be filed. In 2021, he remarried and went through the state of Michigan online system and put his new wife down as the beneficiary. He did not go through a... Read more »

Cedulie Renee Laumann
Cedulie Renee Laumann
answered on Apr 1, 2022

I am sorry to hear of the recent loss of your father.

The post states that the policy holder "went through the online system and put his new wife down as the beneficiary." That is almost certainly the answer to the question "who the true beneficiary is of his life...
Read more »

1 Answer | Asked in Health Care Law, Insurance Bad Faith, Personal Injury and Car Accidents for Virginia on
Q: Can I ask My health insurance for a settlement amount?

I was injured in a car accident a couple years ago, and I was awarded a very small amount which wouldn't cover the full medical cost.I no longer have an attorney but I was told by an attorney, although he wouldn't represent me, that I could ask the health insurance if they had a minimal I... Read more »

Randy Bryan Ligh
Randy Bryan Ligh
answered on Apr 1, 2022

Your case is on appeal and you have collateral issues/questions-----you do not mention whether or not you have an attorney. If you do not have one, then I think you need to hire an attorney, or at least pay an attorney for a 1hour consultation and ask him the questions you have. If you do have an... Read more »

1 Answer | Asked in Insurance Bad Faith, DUI / DWI, Personal Injury and Car Accidents for Colorado on
Q: I was rear ended by a drunk driver. He never gave his insurance to me or police. Is it legal for me to call/ go see him?

The police report we were given has his name, phone number, address, and the information for the owner of the car (his mom.) It seems like the only way to ask him for his insurance is to call, send a letter, or go to his house. I wasn't sure if any of those options are ok to do.

Randy Bryan Ligh
Randy Bryan Ligh
answered on Mar 29, 2022

Especially if you are injured, but in general, accident/injury lawyers will provide you a free initial consultation and I recommend that you contact a few and take us up on it. You will obtain a better understanding of the process and perhaps get a better idea on how to proceed ----and perhaps... Read more »

1 Answer | Asked in Insurance Bad Faith for Arkansas on
Q: can my insurance company raise my insurance one year after the accident which wasn't my fault.

another motorist hit my vehicle Jan 01-2021 during the big snow. She was in someone else vehicle she had no insurance information. I filed a report as soon as i returned home. My insurance company fixed both of our vehicle even though the claim was under investigation concerning who was at fault. I... Read more »

Tim Akpinar
Tim Akpinar
answered on Mar 26, 2022

An Arkansas attorney could advise best, but your question remains open for two weeks. In general nationwide, raising premiums as a result of accidents is a matter of the carrier's standard operating procedures, the features of the policy used for paying claims, and their discretion. Factors... Read more »

2 Answers | Asked in Insurance Bad Faith, Personal Injury, Car Accidents and Civil Litigation for Virginia on
Q: Can I ask the insurance co to settle myself without a lawyer? Also do I have to fill out interrogatories with no lawyer?

I was struck by two people in a car accident at no fault of mine. But there were no credible Witnesses besides us. I was injured, and have medical debt and lost wages. not to mention scoliosis so my pain is pretty deep. No lawyers around here are brave enough I guess to take on a case with no... Read more »

Olga Pazilova
Olga Pazilova
answered on Mar 26, 2022

You can, but I would strongly advice you against it. The opposing party will take advantage of it and will either settle for a lot less than the case is actually worth or deny liability completely. Only experienced PI attorney can properly evaluate your case and make sure you're getting... Read more »

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1 Answer | Asked in Car Accidents, Insurance Bad Faith, Insurance Defense and Small Claims for California on
Q: California State Witness statement/ testimony

California State

I sent an email last week to the insurance company asking for the full testimony/statement of the witness and what he exactly said with the specific time and specific and date of the testimony after the insurance company closed the case based on that statement and ignored... Read more »

Dale S. Gribow
Dale S. Gribow
answered on Mar 20, 2022

MORE INFO IS NEEDED.

IS IT YOUR INS CO? IF SO THEY HAVE AN OBLIGATION TO COOPERATE.

IF THE OTHER SIDE, THEY WILL PROBABLY SUGGEST YOU STATEMENTIZE THE WIT YOURSELF.

MAKE AN APPOINTMENT WITH A LOCAL PI LAWYER.

1 Answer | Asked in Car Accidents and Insurance Bad Faith for Illinois on
Q: involved in accident a car slammed into me and pushed me into the car in front now her insurance wants me to pay ? why?

i was not insured at the time of accident

Charles Candiano
Charles Candiano
answered on Mar 18, 2022

On your facts, you are not liable. Rather, the car that struck you is liable for the property damage to your vehicle, any injuries that you or your passengers sustained, any property damage to the car that you were forced into and any personal injury that the driver or any of the passengers of the... Read more »

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for New York on
Q: Can i sue an insurance company

So my dilemma is I have a car accident reported on my car accident history last year. I have never been in an accident in my life. My mom got in an accident last may and i was in the car. She called me a week later and told me her insurance wanted to speak with me i explained the situation to them... Read more »

Tim Akpinar
Tim Akpinar
answered on Mar 12, 2022

Some elements of the scenario are not fully clear, but from the brief facts, it does not look like a case of insurance fraud. Insurance fraud cases generally involve deliberate conduct with the intent to deceive the other party. This looks more like it could be an administrative or communications... Read more »

1 Answer | Asked in Car Accidents and Insurance Bad Faith for Arizona on
Q: What if I hit someone with my car and didn’t have insurance but they want me to pay way to much money

I don’t have insurance, they want me to pay 23,000 but they don’t know where to find me could I just not pay

Tim Akpinar
Tim Akpinar
answered on Mar 10, 2022

An Arizona attorney could advise best, but your question remains open for two weeks. Investigators can often find people nowadays through different sets of public and commercial records. It may be worth considering seeking some guidance on what your options are. It appears the matter is not in suit... Read more »

1 Answer | Asked in Insurance Bad Faith, Estate Planning, Family Law and Probate for Oklahoma on
Q: How can I find out about my life insurance policy through Massachusetts Indemnity and Life Insurance Company?

My father was my beneficiary but passed away in 1988. My mother had told me that she became the beneficiary. My stepfather recently passed away and my mother is in early demensia so we are getting all legal paperwork together. I found a photocopy of her updating the policy, but no original. Neither... Read more »

Nina Whitehurst
PREMIUM
Nina Whitehurst
answered on Mar 9, 2022

If the life insurance policy truly belongs to you, then all you have to do is call the life insurance company and ask, and you can update the beneficiary anytime you want. If you have been paying the premiums, then the life insurance policy probably belongs to you. If you have not been paying the... Read more »

1 Answer | Asked in Insurance Bad Faith for Minnesota on
Q: What court forms or proceedings do I need to take when suing my insurance?

the company is out of Wisconsin. I live in Minnesota. I want to sue for bad faith

Tim Akpinar
Tim Akpinar
answered on Mar 8, 2022

These matters can be fact-intensive, and they can involve a course of conduct spanning a substantial period of time. Bad faith could materialize from many different courses of conduct. The cases can be more complex than more straightforward cases, such as collection actions, where a boilerplate... Read more »

1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Car Accidents for California on
Q: How long can the insurance company wait for witness to respond?

I was involve in accident where my the rear left side of my car was hit by another car(truck) after I took a left turn and enter the TWLT area where the accident occurred inside that area between the two yellow lanes, I have all the images to prove that. No injuries occurred we didn't file a... Read more »

Dale S. Gribow
Dale S. Gribow
answered on Mar 6, 2022

The issue is often how much weight to give to the wit testimony. However, remember the car turning LEFT is usually presumed to be at fault ...absent other evidence.

It sounds like the damage is minimal and thus filing in small claims may get you some immediate response.

Remember you...
Read more »

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