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Insurance Bad Faith Questions & Answers
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
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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 »

1 Answer | Asked in Federal Crimes, Insurance Bad Faith and Insurance Defense for Indiana on
Q: Is this insurance fraud?

I am selling a house as is, the boiler went out causing the heat and plumbing pipes to burst. The homeowners ins is paying for the damage. I'm selling for less now because of the pipes. I'm keeping the ins check to cover my loss. is that insurance fraud?

Tim Akpinar
Tim Akpinar
answered on Mar 2, 2022

An Indiana attorney could advise best, but your question remains open for a week. Nationwide, it is usually not fraud if the check was issued for a legitimate loss and it reflected actual damages that were honestly presented for property owned outright. However, there could be other issues... Read more »

1 Answer | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Missouri on
Q: I’m not at fault for a minor accident. My insurance paid me in less than 24 hrs. Now at fault insurance wants to pay too

Should I accept money from both insurance companies? My agent has already assured me that my premium will not go up since other insurance company accepted full liability

Tim Akpinar
Tim Akpinar
answered on Mar 1, 2022

A Missouri attorney could advise best, but your question remains open for two weeks. Your carrier acted very fast. In general nationwide, claimants do not usually get paid twice for the same claim - one insurance carrier or the other pays. It sounds like the two carriers are not aware of each... Read more »

1 Answer | Asked in Insurance Bad Faith for Florida on
Q: Real estate insurance claim recorded statement

I’m in a process of real estate insurance claim and adjuster wants to have a recorded statement from me. Do I really obligated to give him a statement or I can refuse a statement?! Also, most likely I’ll hire a lawyer, if the amount offered is low. A loss mitigation company was dispatched to... Read more »

Michael  Mayoral
PREMIUM
Michael Mayoral
answered on Feb 25, 2022

It depends what your insurance policy says about the requirement to give a recorded statement.

1 Answer | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Texas on
Q: 9/17/21. Chevey silv Hit 3 of our parked vehicles totaled 1. They left the seen. In closed claim

Hello on Sept 17,2021. Two of my personal vehicles and my sons truck he was test drive for the week but was in were involved in a hit and run . The driver took off and they found the vehicle a couple of streets down and 2 houses from were they live. Police report was done. Sept 20 is when I spoke... Read more »

Tim Akpinar
Tim Akpinar
answered on Feb 24, 2022

A Texas attorney could advise best but your question remains open for three weeks. You could place the matter into suit, or contact an attorney to do so. You and the carrier would then proceed with the claim through the court system. If you have a denial from the carrier, that would be helpful.... Read more »

1 Answer | Asked in Insurance Bad Faith, Consumer Law, Personal Injury and Government Contracts on
Q: Are statues tolled if an insurance company is liable for a injured 3rd party & fails to inform them?

If you discover an insurance company failed to inform you they accepted fault for your injuries, will CMS consider that insurer the primary payer for Medical expenses related to those injuries if youre still being treated when you become a medicare beneficiary?

Tim Akpinar
Tim Akpinar
answered on Feb 23, 2022

A Texas attorney could advise best, but your question remains open for two weeks. In general nationwide, claimants are usually held responsible for exploring the sources of insurance for their injuries - that's one of the primary roles of an attorney - to immediately identify applicable... Read more »

1 Answer | Asked in Insurance Bad Faith for Tennessee on
Q: My wife was the beneficiary of her parents life policies, but my wife died. Does the insurance payment allocate to me

Her parents are deceased and no other beneficiary is named

Anthony M. Avery
PREMIUM
Anthony M. Avery
answered on Feb 21, 2022

Are her Parents deceased? If dead, then the Designation of Beneficiaries might list her Estate. And there is usually an alternative Designated Beneficiary. If the Parents are alive, they can change the Designation anytime. If you feel the Death Benefit should be paid to you or your Wife's... Read more »

1 Answer | Asked in Car Accidents and Insurance Bad Faith for Arizona on
Q: How do I go about dealing with a car insurance company who closed my claim within first week after I showed them video

I showed them video footage proving other driver at fault. They have acted in bad faith and also conflict of interest

Tim Akpinar
Tim Akpinar
answered on Feb 20, 2022

An Arizona attorney could answer best, but your question remains open for two weeks. You could file suit, or you could retain an Arizona attorney to do so. Those are two primary options if you believe the matter won't be resolved by offering additional evidence. Your post does not mention... Read more »

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Georgia on
Q: As an "at will" independent contractor, is my courier service supposed to provide commercial insurance?

Alternatively, are they supposed to tell me that I need it?

Randy Bryan Ligh
Randy Bryan Ligh
answered on Feb 18, 2022

More information is needed to properly respond to this question, however they certainly should let you know whether or not you need to have your own separate insurance as a condition of their utilizing your services. Good luck.

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