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Insurance Bad Faith Questions & Answers
1 Answer | Asked in Insurance Bad Faith and Car Accidents for Oklahoma on
Q: Must other driver’s insurance pay for damage to my unoccupied second vehicle that was uninsured?

My second vehicle was parked on the street and was not occupied. Another driver crashed into my vehicle causing a lot of damage. The other driver does have insurance. Will that driver’s insurance company be required to pay for the damage or will my state laws give them an ‘out’ since I was... Read more »

Jason Bolitho
Jason Bolitho answered on Jan 2, 2020

That is frustrating situation to say the least! If you have the driver's insurance information, then contact the insurance company and file a claim against the driver's insurance for the property damage to your vehicle, diminished value (if applicable), and any other property damage that may have... Read more »

1 Answer | Asked in Consumer Law, Health Care Law, Insurance Bad Faith and Insurance Defense for Pennsylvania on
Q: Is there anything I can do to at least reduce the bill?

My insurance dropped me because I “make too much money” but I never received the notice they said the mailed me. So I had gone to the ER and now I have a $4000 hospital bill. The insurance company said I can’t file a complaint because I am no longer insured under them and the insurance... Read more »

Elizabeth Tarasi
Elizabeth Tarasi answered on Jan 1, 2020

The hospital should have a process where you can apply to have the bill reduced. Call the hospitals billing department

2 Answers | Asked in Personal Injury and Insurance Bad Faith for Maryland on
Q: Hi I have a personal injury case question regarding a car accident

My car was rear ended and was a total loss. I was taken to emergency room and diagnosed with acute head injury and cervical strain. Driver at fault was underinsured with $10,000 liability limit. Her insurance company is low balling the settlement for pain and suffering, loss wages and end of the... Read more »

Mark Oakley
Mark Oakley answered on Dec 31, 2019

You cannot sue the other driver’s insurance company for anything. You can only sue the driver. The driver’s contract with his/her insurance carrier has nothing to do with you. Their insurance company’s only obligation is to pay any judgment you obtain against their insured driver. The only... Read more »

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1 Answer | Asked in Insurance Bad Faith and Securities Law for Florida on
Q: At age 71 the Mortality Table estimated my death at age 78. Yet a CFP recommended an Allianz Annuity Fixed Index which

would provide monthly payments to begin at 81! And draconian penalties should I seek withdrawals in the first 7 years.

Do these facts indicate a breach of Fiduciary Duty, fraud,etc. on the part of the CFP and or Allianz. My tel.no. is 561 400-2721.

Samuel B. Edwards
Samuel B. Edwards answered on Dec 29, 2019

Generally speaking, there are very limited reasons to sell an annuity to someone who is over 70. Based on the limited facts you have provided here, it seems like this would have bee a completely unsuitable investment for you and could be a breach of fiduciary duty as well has violation of various... Read more »

1 Answer | Asked in Federal Crimes, Insurance Bad Faith, Internet Law and Sexual Harassment for California on
Q: 3 of us are being sued into silence for posting a man's misognistyic words publicly online. What can we do?

3 women are being sued into silence for posting a man's misognistic conversation publicly online when he basically openly says its ok to sexually harass women instead of giving them promotions. He has filed a restraining order against them, even though they haven't publicly talked about it since... Read more »

Neil Pedersen
Neil Pedersen answered on Dec 25, 2019

Unfortunately this is not the place to solicit an attorney to work for you. You need to immediately locate and retain an attorney to defend yourself against these claims. Any delay in doing so might result in a default being taken against you and you will be prohibited from putting up a defense... Read more »

1 Answer | Asked in Insurance Bad Faith for Texas on
Q: How long do insurance companies have to settle PIP claims?
Rahlita D. Thornton
Rahlita D. Thornton answered on Dec 23, 2019

Normally, they are supposed to pay within 30 days after all required information has been received by them. Sometimes they want extra information after receiving initial information.

1 Answer | Asked in Consumer Law, Business Law, Car Accidents and Insurance Bad Faith on
Q: hi i rented a 15passvan with my canadian insr. card for my car. in canada its a commerc.vehicle(not covered), hit a deer

now i got a big bill is the rental required to verify there's insurance and are they liable in any way would any lawyer even be interested in involving himself and should i even try?

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

You would want to be sure that you have a denial of coverage, and the reasons. Then contact attorneys who handle "bad faith " claims. A lot depends on who you rented from, was that in Canada etc. I wouldn't give up as Rental Companies often collect from their own insurance and bill you, getting... Read more »

2 Answers | Asked in Insurance Bad Faith for Colorado on
Q: Does a hospital have a legitimate lien if their claim was rejected by my health insurance because they waited too long?

I was treated in an emergency room for injuries from an accident that was the fault of the other driver. I provided my health insurance card at the time of my treatment. 3 months after treatment, the hospital made a claim against my auto insurance medpay, but after ~$2K of payment to the hospital... Read more »

Doug Allen
Doug Allen answered on Dec 17, 2019

Most likely the hospital will have a Lien on your settlement monies. It really depends on the specific laws of your state. Hospital lien laws are very powerful here in my state of Colorado. You would have to look at the hospital lien statute and laws governing that statute in your state.

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1 Answer | Asked in Insurance Bad Faith and Landlord - Tenant for Oregon on
Q: My 93 yr old mother lives in a senior apartment. She has renters insurance. Who is responsible for accidental damage?

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 apartment. We... Read more »

Tim Akpinar
Tim Akpinar answered on Dec 14, 2019

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... Read more »

3 Answers | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for New Jersey on
Q: hi i have a questionabout car insurance
Leonard R. Boyer
Leonard R. Boyer answered on Dec 12, 2019

There is no listed question, so please include it.

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2 Answers | Asked in Car Accidents and Insurance Bad Faith for Georgia on
Q: I am a hit and run victim with pictures. Claim denied cause police asked accused to send evidence of guilt. What now?

I was driving home in the middle lane on 75 S around 4:15 pm on a bright sunny day surrounded by traffic. An OTR truck w/trailer jump in my lane. Cars around me therefore I hit the horn and brakes but could not avoid accident. As I pulled over I noticed the truck was not stopping. I sped up and... Read more »

Peter N. Munsing
Peter N. Munsing answered on Dec 10, 2019

Contact a member of the Ga. Trial Lawyers Assn for the County where the crash happened. They give ree consults. Sounds weird they'd ask someone to send pix--and did those pix have the same plate as the one involved?

In any event, if you weren't hurt likely small claims will be your best...
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2 Answers | Asked in Insurance Bad Faith and Car Accidents for Louisiana on
Q: In an hit and run when accused has left the scene of the crime who is responsible for the damage?

The person who hit my car gave fake information to the officers and had no insurance. They have no license either.

Ellen Cronin Badeaux
Ellen Cronin Badeaux answered on Dec 4, 2019

That's what your UM insurance is for, unless it was a minor or using an insured driver's vehicle.

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Q: if I had emergency surgery under mass health and a claim was filed, can they cancel my policy and deny my claim?

I had emergency surgery and they filed a claim, 3 months later they canceled my policy due to not verifying my address and then sent me a letter requesting correct information for the claims filed and to help them figure out how the claims can be paid correctly? im trying to respond on their online... Read more »

Tim Akpinar
Tim Akpinar answered on Nov 30, 2019

Your matter is more complicated than one where a simple "yes" or "no" would do as a answer. The ideal situation would be that if your settlement is in connection with an accident where you are represented by an attorney, to have them look into the validity of the lien for an unrelated service. As a... Read more »

2 Answers | Asked in Insurance Bad Faith and Small Claims for California on
Q: Is it too late for me to hire a Personal Injury Attorney to negotiate my claim with insurance co.?

I was rear-ended in a car accident where my car suffered minimal damage (rear bumper had to get replaced) but my injuries were still significant (severe whiplash). Ultimately I was treated 23 times (19 PT sessions and 4 dr visits/urgent care). The claims adjuster does not believe my 19 PT sessions... Read more »

Alexander Bakhache Perez
Alexander Bakhache Perez answered on Nov 30, 2019

Is it even worth it is the question, the costs are going to be more than the case is worth at this time.

Do the small claims case on your own if you wish or just settle and offer the doctor half his bill and show him what is the offer.

Delay in treatment and not going the urgent...
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4 Answers | Asked in Car Accidents and Insurance Bad Faith for Texas on
Q: I’m a foreign national who got into a car crash. I’m at fault. I don’t have any property in United States.

What if I get sued? If I plan to return to my country can I use that in the settlement?

Peter N. Munsing
Peter N. Munsing answered on Nov 26, 2019

If you have insurance the insurance will take care of it. If not, saying you'll return and trying to get out of it may generate a call from the person to the authorities which is no problem if your visa is valid but if you have overstayed........

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2 Answers | Asked in Insurance Bad Faith for Florida on
Q: Can I sue my agent for not trying trying to find a l less expensive company knowing that my premium would be going up

I've been with this agent for 15 years and called 3 different times through during the years for a price check on different companies. I was told by my agent that the company That I was with would be the cheapest. This was not the truth. I decided to go with another agent who pulled a quote... Read more »

Charles M.  Baron
Charles M. Baron answered on Nov 25, 2019

If you didn't actually lose money by paying a higher premium, you are not damaged in any way (other than aggravation) and therefore have no ground to sue. If you did lose money, theoretically, you could sue for professional malpractice (negligence), but for only a $1K difference, it would be far... Read more »

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1 Answer | Asked in Insurance Bad Faith for Florida on
Q: I want to file a complaint against my agent for homeowner insurance gauging. How do I go about doing this?
Charles M.  Baron
Charles M. Baron answered on Nov 25, 2019

I presume you mean gouging, not gauging, and your question is vague about what occurred. In any event, certain categories of complaints regarding insurance providers can be made to the Florida Dept. of Financial Services - see https://www.myfloridacfo.com/Division/Consumers/needourhelp.htm.

1 Answer | Asked in Collections, Health Care Law, Insurance Bad Faith and Insurance Defense for California on
Q: I have been wrongfully charged twice for medical visits and it has caused me a world of trouble, what to do?

I have now been wrongfully charged by a medical department through county services claiming I did not have adequate insurance coverage at the time to cover the expenses incurred.

I have tried unsuccessfully, now this second time around, to explain to them that I did in fact have coverage... Read more »

William John Light
William John Light answered on Nov 25, 2019

You may have claims for violations of the California Fair Debt Collections Practices Act. Contact an attorney to evaluate your potential claims.

2 Answers | Asked in Insurance Bad Faith, Insurance Defense and Medical Malpractice for Georgia on
Q: Am I responsible for a medical bill they never billed my insurance

I received service at a ER in Florida 2017. I gave the hospital my insurance information, they billed my insurance and received payment. However, the ER doctor seems to work independent from the hospital and never billed my insurance. They claimed they sent Bills to me which I never received... Read more »

Priscilla T. Upshaw
Priscilla T. Upshaw answered on Nov 22, 2019

It is not uncommon for ambulatory services to be billed separately from the hospital’s bill. It may be best to contact an attorney who specializes in collection services. You may be able to contact your insurance carrier for other options.

I wish you well.

-The Upshaw Law Firm,...
Read more »

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1 Answer | Asked in Insurance Bad Faith and Insurance Defense for California on
Q: Insurance company revoked my contract after a small accident, what can i do? More details below.

I had a small car accident a few weeks after getting car insurance. When i did the claim my insurance decided to revoke my contract and cancel my policy. Therefore making it seem like i was uninsured. Me and the other driver agreed for me to pay half of her deductible ($250) to settle it. But now... Read more »

Tim Akpinar
Tim Akpinar answered on Nov 21, 2019

Without seeing your insurance company's correspondence, your application, accident documentation, one can only guess what is happening here. It might be that the other driver wanted to be nice and handle the matter as a first-party claim, after which her carrier's subrogation department got... Read more »

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