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Insurance Bad Faith Questions & Answers
1 Answer | Asked in Civil Litigation and Insurance Bad Faith on
Q: Can I sue my storage if my storage was broken into

They are only giving me $26 I was with them over 3years ,The police report shows my jewelry that was in my unit was worth a $1 and that's not true. I have know receipts,

John Michael Frick
John Michael Frick
answered on Jan 2, 2023

Ordinarily, self storage insurance does cover the theft of your property from your self storage unit up to the limits stated in your policy. The covered value for jewelry typically can be increased for an additional premium if you were storing valuable jewelry in your unit. You should carefully... Read more »

2 Answers | Asked in Insurance Bad Faith and Employment Law for Texas on
Q: After denial, Sedgwick isn’t responding to written reqs for Copies of Claim Files OR the STD Policy, what can I do?

Fortune 100 employer, ERISA policy. Sent written requests to Sedgwick 3x, 1st was 11/22. Will not return my calls. Employer states Sedgwick provides copy of policy/Summary Plan. Sedgwick advised STD policy exhausted from previous unrelated LOA; apply for LTD via Lincoln. Without policy & files,... Read more »

Damon Miller
Damon Miller
answered on Dec 28, 2022

Under ERISA, the plan administrator (usually your employer) is required to provide plan documents to you within 30 days of your request. With both your employer and the insurance company refusing to provide you anything, you may need to get an attorney involved. Feel free to contact my office and... Read more »

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1 Answer | Asked in Insurance Bad Faith for South Carolina on
Q: I had a insurance policy on my ex husband for 50,000 it was a family policy thou . he was n car accident n passed away

Liberty life was ins company the ins man was out at my house 4 days later with a check. For. 50,000For me .n had me sign a paper. it was suppose to double cause of a accident. He aurged with me. That it wasnt a family policy. It was thou . i wrote letters to main office to the chief supervisor n... Read more »

Roy Willey
Roy Willey
answered on Dec 27, 2022

If your coverage applied for the underlying policy, it is likely that it applied for all provisions not just some. However, you need to have an attorney review the full policy, and any correspondence from the insurance company.

2 Answers | Asked in Insurance Bad Faith for California on
Q: We were denied our insurance claim when our trailer was stolen. They said we couldn't prove it was stolen

Also they said we didn't file a report on time 24 hours of incident. We filed when we found out. ..

Ronnie Kashri
PREMIUM
Ronnie Kashri
answered on Dec 23, 2022

Whether your insurance company should or should not have denied your claim will depend upon numerous things such as the detailed facts of loss, the information provided to the insurance company, the insurance policy, and the law. It is difficult to tell based on the minimal information if the... Read more »

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1 Answer | Asked in Insurance Bad Faith and Insurance Defense for South Carolina on
Q: Should I reach out to a lawyer? Mother had life insurance but she unalived herself. They are requesting police report.
Roy Willey
Roy Willey
answered on Dec 20, 2022

So sorry to hear about your mother. Yes, you should reach out to a lawyer to review the life insurance contract.

1 Answer | Asked in Insurance Bad Faith and Small Claims for Michigan on
Q: Can I file suite again my medical insurance company and the contractor for failure to provide transportation for me

My medical insurance company has a contract with a company that provide transportation and other services. The company has failed to provide over twenty rides to the doctor and physical therapy appointments. Can they be liable or held accountable for not accommodating.

Tim Akpinar
Tim Akpinar
answered on Dec 18, 2022

A Michigan attorney could advise best, but your question remains open for two weeks. Until you're able to speak with a local attorney to figure out if you have a case that's cost-effective to pursue, you could review your insurance policy to make certain of what it covers. In terms of a... Read more »

1 Answer | Asked in Car Accidents, Insurance Bad Faith and Personal Injury for Idaho on
Q: I have an unusual case involving geico car insurance company. Would like to sue geico for damages.

May be too long ago but here it is. 3 yrs ago someone filed a traffic accident report stating I had rear ended them. They had my registration and insurance proof. Anyway my truck or myself was not in the accident nor was I in the same town. My license was suspended Yada yada the people file for an... Read more »

Tim Akpinar
Tim Akpinar
answered on Dec 17, 2022

An Idaho attorney could advise best, but your question remains open for two weeks. You could ask them to investigate through the SIU (Special Investigations Unit). This will require thorough investigation, and three years elapsing doesn't help in terms of gathering evidence. A local attorney... Read more »

1 Answer | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Texas on
Q: Do insurance companies have the right to hire an attorney to defend the insured against liability claims?

If liability is disputed in intercompany arbitration will the insurance company notify the insured of the arbitrators decision?

John Michael Frick
John Michael Frick
answered on Dec 9, 2022

In a typical automobile liability insurance policy, the insurance company has both the right and the duty to defend the insured driver.

It is not typical in intercompany arbitration for the insured to be notified of the award

1 Answer | Asked in Insurance Bad Faith for Texas on
Q: Is there a law that allows health insurance to subvert themselves under other health insurance if you’re primary on both

I have two full time jobs and have full health insurance through both BCBS and United Healthcare. Both are refusing to pay because each claims i am primary on another policy. Each is trying to subvert themselves as secondary under ther other. This seems illegal

John Michael Frick
John Michael Frick
answered on Dec 9, 2022

There are rather complex rules called coordination of benefits which address the situation when a patient has coverage under two health separate health care plans. These rules resolve which one is primary and which one is secondary.

It is definitely legal. There are a number of...
Read more »

1 Answer | Asked in Insurance Bad Faith and Car Accidents for Texas on
Q: Can an auto insurance agency deny a claim because I would not provide cell phone records unreasonably?

My two adult sons were in an accident with each other. They're covered under my policy. Fault is clear, 1 rear-ended the other. Police came. No tickets. No injuries. Straight forward.

I was not involved nor did I know about the accident for a few days. I told the insurance that when I... Read more »

Tim Akpinar
Tim Akpinar
answered on Dec 8, 2022

A Texas attorney could advise best, but your question remains open for two weeks. It's possible that both vehicles in the accident being from the same family raised red flags. You could consult with an attorney to review the file. The carrier could be building evidence for a denial, they could... Read more »

1 Answer | Asked in Insurance Bad Faith and Car Accidents for Illinois on
Q: My auto insurance denied my claim on a financed vehicle. How can they deny my claim if I had full coverage?

My insurance company denied my claim due to the EDR or black box in my car; it didn't show that any car hit my car. When it comes to the EDR system in the car, the only time it activates is when the airbags deploy. That being said, the vehicle that bumped me didn't hit me hard enough that... Read more »

Lindsey Seeskin
Lindsey Seeskin
answered on Dec 7, 2022

United Equitable's denial is technically legal, but that does not make it completely right. Unfortunately, United Equitable is one of several insurance companies in Illinois that come up with a myriad of reasons to deny coverage for their own policyholders. Those reasons are oftentimes very... Read more »

2 Answers | Asked in Insurance Bad Faith and Car Accidents for Illinois on
Q: I had full coverage insurance with United Equitable and they denied my claim on a financed vehicle. Is that legal?

I was driving to work when a car from the left lane swerved into my lane ended up bumping my front driver's side bumper and, making me swerve out of the way and having me lose control. My car hit the right side rail on the highway and then spun around, crashing into the median that separates... Read more »

Lindsey Seeskin
Lindsey Seeskin
answered on Dec 7, 2022

United Equitable's denial is technically legal, but that does not make it right. Unfortunately, United Equitable is one of several insurance companies in Illinois that come up with a myriad of reasons to deny coverage for their own policyholders. Those reasons are oftentimes very questionable... Read more »

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1 Answer | Asked in Insurance Bad Faith for Minnesota on
Q: I would like to know about some insurance laws

Insurance denied a fire claim on my house after they had it gutted

Tim Akpinar
Tim Akpinar
answered on Dec 6, 2022

A Minnesota attorney could advise best but your question remains open for two weeks. I'm sorry about the fire. You may want to consider reaching out to Minnesota attorneys who handle property and casualty loss claims. You could be losing valuable time awaiting a response about general... Read more »

1 Answer | Asked in Insurance Bad Faith and Small Claims for Texas on
Q: Can I request that the auto insurance Company’s lawyer not represent a defendant in small claims court?

The insurance company denied my claim that’s why I am suing for an independent analysis of the accident.

John Michael Frick
John Michael Frick
answered on Dec 3, 2022

In a typical automobile liability insurance policy, the insurance company has both the right and the duty to defend its insured in any lawsuit triggering coverage under the policy.

In those cases where the insured fails to notify the insurance company of a lawsuit and a judgment is entered...
Read more »

1 Answer | Asked in Insurance Bad Faith for Idaho on
Q: Is it my right to have an adjuster on site for auto claims or can they make me submit photos instead.

I dropped my car off at the body shop and it’s waiting for an estimate from the insurance but the insurance is refusing to send an adjuster on site. They are only requesting photos of the damages.

Tim Akpinar
Tim Akpinar
answered on Nov 28, 2022

An Idaho attorney could advise best, but your question remains open for two weeks. Until you're able to consult with a local attorney who could advise on state-specific law, nationwide it's usually up to the carrier and the PD adjuster's judgment with most claims today. Good luck

1 Answer | Asked in Divorce and Insurance Bad Faith for New Hampshire on
Q: If a judge says I can stay on my husband's insurance after divorce, how can a federal insurance deny that?

My husband wants a divorce. But we are doing it amicably and he wants to keep me on his health insurance due to my health issues. He wants to have it written into the final papers. He has a federal health plan and spoke with someone the other day; the insurance says I cannot be on his insurance... Read more »

Tim Akpinar
Tim Akpinar
answered on Nov 27, 2022

A New Hampshire attorney could advise best, but your question remains open for three weeks. I can only speak for the insurance law-based attributes of your question, not the divorce-related ones. But as a general matter, courts do not usually have the power to change insurance policies. If the... Read more »

1 Answer | Asked in Insurance Bad Faith for Colorado on
Q: Recently an insurance company set me a letter stating that I was the beneficiary of a life insurance policy. It was the

It was the the policy I had for my now deceased husband . We got divorced -- Mar 2018. He wanted the policy back -- I didn't argue. BUT apparently he DID NOT change the beneficiary -- its still me. This ins co has been requesting a lot of stuff, and I have provided it, and they keep... Read more »

Tim Akpinar
Tim Akpinar
answered on Nov 17, 2022

A Colorado attorney could advise best, but your question remains open for four weeks. One option is to look into a consult with a Colorado attorney who handles life insurance claims. If you have the basis for a claim, which is something that an experienced attorney could better understand after... Read more »

6 Answers | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for California on
Q: What type of lawyer would handle disputes with insurance companies over car accident involving a fatality?
Dale S. Gribow
Dale S. Gribow
answered on Nov 22, 2022

a car accident lawyer, referred to as a Personal Injury Attorney.

call one local, though.

if there is an injury, and you were not at fault, most of us would accept the case on a contingency fee. That means the lawyer will only take a percentage of what he/she gets.

absent a...
Read more »

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2 Answers | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for California on
Q: My car insurance company asked me to get an attorney because I have a claim against me in a fatal car accident.

My insurance company had already found me 100% liable without the chp report being released

What type of lawyer handles this type of case?

Neil Anapol
Neil Anapol
answered on Nov 15, 2022

Its not clear what you are asking. Your insurance company has a duty to defend (retain a lawyer on your behalf) and indemnify you (pay any settlement or judgment up to the policy limit). If your insurance company is disputing coverage, you need an attorney who specializes in handling insurance... Read more »

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1 Answer | Asked in Insurance Bad Faith for Mississippi on
Q: My house has flooded I have insurance , the insurance company refuse to pay enough to repair my house .what can I do
Damon Miller
Damon Miller
answered on Nov 15, 2022

The first thing you should do is look at the denial letter and determine why the insurance company has decided to deny your claim. Then, you should talk to an attorney about whether or not it makes sense to appeal the insurance company's denial. Most of the time, an insurance company will... Read more »

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