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Insurance Defense Questions & Answers
1 Answer | Asked in Car Accidents, Civil Litigation and Insurance Defense for California on
Q: I accidentally let go of the brake in my car causing it to hit the gate of the parking structure, is that a hit and run?

The manager & owner of the apartment complex want to call the police and say it is a hit & run. I offered to pay for the repair, but they don't want to do it that way. What should I do?

Dale S. Gribow
Dale S. Gribow answered on Aug 2, 2021

if while driving your car you cause damage you have to leave word on how to contact you.

Yes, technically it is a Hit and Run.

i assume your position is that you didn't see any damage and would not have known who to contact.......unlike hitting a car and leaving a note for the...
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1 Answer | Asked in Criminal Law, Traffic Tickets and Insurance Defense for North Carolina on
Q: I have been charged today (citation) for driving at 85mph on an highway with 65mph limit, lincoln county NC.

I am 26 living in NC and I don't have a single traffic ticket or violation so far and clean on my criminal records. Today I got a speeding citation(GS 20-141(J1)) on highway for driving 20mph over the limit of 65mph and was given court date. I am worried if this will impact my career since as... Read more »

Charlie Gray
Charlie Gray answered on Jul 30, 2021

Most counties reduce speeding tickets to give people an incentive to go ahead and take care of them. Technically, speeding at a high enough speed is treated as a criminal charge and, if convicted, would show up on a background check. Getting it reduced would address this and is usually how traffic... Read more »

1 Answer | Asked in Car Accidents, Insurance Defense and Traffic Tickets for Illinois on
Q: I have a car with insurance but my brother drove my car with a revoked license. I was not aware. Will I be covered?

He drove my car while I was out of the country. Just waiting for my insurance to call back.

Charles Candiano
Charles Candiano answered on Jul 26, 2021

It depends on your carrier. Your insurance only covers "licensed drivers." Given that his license was revoked, your brother was NOT a licensed driver. Any carrier could use such an opportunity to legitimately deny a claim. That you were unaware is irrelevant unless he stole the car.... Read more »

1 Answer | Asked in Employment Law, Appeals / Appellate Law, Civil Rights and Insurance Defense for Idaho on
Q: I am having major issues with the idaho dol And am looking for representation. How do I get representation?

No one responds. No one will help. There are hundreds that that need help and no one gets back to us.

Tim Akpinar
Tim Akpinar answered on Jul 25, 2021

An Idaho attorney could advise best, but your question remains open for three weeks. I'm sorry for your ordeal - one option could be to search for attorneys online, or you could use the Find-a-Lawyer tab above. Your post covers a number of different categories, but you mention the Department... Read more »

1 Answer | Asked in Civil Litigation, Insurance Bad Faith and Insurance Defense for Florida on
Q: Do I have recourse against my insurance agent?

I was having trouble getting my older boat insured. My friend/agent said he would probably just put his name on it so we could get it insured. Mind you, he has nothing to do with the boat nor has he invested in it. He strictly put his name on it to get it insured. The boat sank. Insurance company... Read more »

Bruce Alexander Minnick
Bruce Alexander Minnick answered on Jul 6, 2021

Reading between the lines I have a feeling that your "friend/agent" works for the insurance company; am I right?

If so you can file a complaint against your agent with the Department of Financial Services, Division of Insurance Regulation.

1 Answer | Asked in Car Accidents and Insurance Defense for Georgia on
Q: I was in an accident where an 18 wheeler ran a Stop sign running me off road. He ran. Will my insurance go up? Not at f

The 18 wheeler left the scene to avoid repercussions. The accident was ruled not at fault. Will my insurance go up as a result? The damage was around $3300 charged to my insurance with a diminished value claim as well.

Tim Akpinar
Tim Akpinar answered on Jul 2, 2021

A Georgia attorney could advise best, but your question remains open for two weeks. But ANY attorney might not have a universal answer because the way these are treated can vary by carrier. It's in your favor that you were not the at-fault driver so far as liability goes - that would be more... Read more »

1 Answer | Asked in Personal Injury, Car Accidents, Insurance Bad Faith and Insurance Defense for Pennsylvania on
Q: Does my Uninsured/Underinsured Motororist coverage apply if a motorist hits me while I'm riding my bike? [Pennsylvania]

Hi,

I'm shopping around for Auto Insurance in PA; considering Progressive. I also like to ride bike. Hopefully, I'd never need it, but if a motorist injures me while I'm riding bike and they are at fault, would I be covered by Uninsured/Underinsured Motorist Coverage... Read more »

Peter N. Munsing
Peter N. Munsing answered on Jul 1, 2021

Short answer yes. Uninsured underinsured covers you if the driver running into you has no insurance or too little. If you have more than one car in your household get "stacking" --the best deal in car nsurance. It multiplies the coverage you had for UM/UIM by the number of cars, and... Read more »

1 Answer | Asked in Divorce, Personal Injury, Real Estate Law and Insurance Defense for West Virginia on
Q: Need help filing a dismemberment claim
Tim Akpinar
Tim Akpinar answered on Jun 21, 2021

A West Virginia attorney could advise best, but your post remains open for three weeks. At this point, you could reach out to West Virginia attorneys. If the dismemberment involved loss of an extremity in a work-related setting, it could involve element of workers' comp law. But if it was... Read more »

1 Answer | Asked in Criminal Law, Insurance Bad Faith and Insurance Defense for Arkansas on
Q: Should I plead guilty or not guilty to insurance fraud? Class D felony first time offender can't afford a attorney

Basically I got In a wreck a while back (was not at fault) and bought an insurance claim right after I got out of the car. The insurance investigator asked and I lied and said it was before. No money was ever given to me nor was the car fixed and I was making a statement that I wasn't trying... Read more »

Richard Lane Hughes
Richard Lane Hughes answered on Jun 19, 2021

I don't know if I completely understand the facts of your case. However, that alone is a reason for you to have an attorney. That is, to help you communicate with the prosecutor as well as the court.

Plead not guilty and advise the court that you cannot afford an attorney. You are...
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1 Answer | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Texas on
Q: Was in car accident not on insurance and seeking guidance

A couple of weeks ago I rolled into an intersection and got t boned. It was not my car and I'm not in the insurance. The insurance company contacted the provider and is threatening to sue for this. (This is what I gathered over the phone call I just had with them) this is the first car... Read more »

Doug Goyen
Doug Goyen answered on Jun 18, 2021

From the way you phrase the question, it sounds like you believe you caused the collision. You may want to go over the details with an attorney, just in case.

If you were driving someone else's vehicle:

Did you have permission to use the vehicle you were driving?

If...
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2 Answers | Asked in Car Accidents and Insurance Defense for California on
Q: If I get into an accident while driving a company car while doing job duties will my personal insurance be affected?

I work for a self driving car company in the Bay Area and I got into an accident today where I was parking the company car during my shift and I accidentally backed up into a parked car. All collision procedures took place and I left a note on the car. There wasn’t much damage to either of the... Read more »

Dale S. Gribow
Dale S. Gribow answered on Jun 13, 2021

Remember that insurance follows the car.....so the insurance for the car you were driving in, should control.

there is no law that you have to report the accident to your insurance co.

when it comes up for renewal, unless they ask, I would NOT volunteer the info.

if your ins...
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1 Answer | Asked in Contracts, Products Liability, Insurance Defense and Small Claims on
Q: I have a weekly contract at motel 6 all of my belongings where taken I'm denied access to the security footage

House keeper just stormed in using the key not identifying herself or anything just stormed in and got startled and closed the door

Peter N. Munsing
Peter N. Munsing answered on Jun 11, 2021

Did you report the theft to the police? They can get the footage.

1 Answer | Asked in Personal Injury and Insurance Defense for Colorado on
Q: I need medical insurance advice

Hurt my back working out at the gym. I have insurance through my job. I got some testing done which includes imaging. I got a preauthorization and met my deductible, payed all bills. Two years later.. I get medical bills that hit my credit, then bills equating to $13,000 which my far surpasses my... Read more »

Tim Akpinar
Tim Akpinar answered on Jun 4, 2021

A Colorado attorney should advise, since the matter could involve state-specific laws, but your post remains open for five weeks. If you reached out to attorneys to discuss, they may want to review the file in its entirety, including authorizations, bills, denials, etc. and trying to identify where... Read more »

1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Divorce for Georgia on
Q: We have a court order stating my ex is required to provide insurance for our kids. He quit his job-lost kids insurance.

He lives in Ky, I live in GA. He says he has to use my income to get our kids Medicaid and put it in my name, but he would pay premium. Is this considered him providing insurance for kids?

Note: he’s failed to abide by the court order in all terms.

Should I just file contempt... Read more »

Homer P Jordan IV
Homer P Jordan IV answered on May 27, 2021

If he’s not following court orders then you should file for contempt. Consult with an attorney who can help you address these issues legally.

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Michigan on
Q: Why would a life insurance company ask what state and country you were born in?
Brent T. Geers
Brent T. Geers answered on May 13, 2021

Risk analysis and calculation, as well as identity purposes.

1 Answer | Asked in Banking, Insurance Bad Faith and Insurance Defense for New York on
Q: what to do if my bank refuses my father's life insurance claim?

My father's bank refuses to pay me by telling me that my father did not contributed the last months before his death without giving me any official paper or proof. My father contributed to this insurance for more than 30 years and it's a shame not to get any penny..

Tim Akpinar
Tim Akpinar answered on May 9, 2021

I'm sorry for your ordeal that makes a difficult situation even more painful. It appears you've already requested records. It's difficult to offer step-by-step instructions here, as the next step could possibly require litigating the claim, depending on the situation. Reach out to... Read more »

2 Answers | Asked in Insurance Bad Faith, Insurance Defense, Criminal Law and Traffic Tickets for Texas on
Q: If proof of insurance was provided to the court do they verify it?

If someone received a ticker for Financial Responsibility (No Insurance) and they showed the court they had a policy during the date of ticket is the case dismissed immediately or is the insurance policy verified? Not speaking of fake insurance but if you can't remember if it was cancelled or... Read more »

Kiele Linroth Pace
Kiele Linroth Pace answered on May 5, 2021

They will probably verify it unless someone is being lazy.

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1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Louisiana on
Q: Is it normal for an insurance company to ask for the death certificate of someone you share a name with?

My mom and aunt share a name and birthday, different years, she claims her insurance was canceled in 2018 because they thought she was my mom who died in 2016. Her insurance Risa asking for my moms death certificate to reinstate her . I assumed her ssn would be enough .

Ellen Cronin Badeaux
Ellen Cronin Badeaux answered on May 5, 2021

No, asking for death cert is normal.

1 Answer | Asked in Personal Injury and Insurance Defense for Georgia on
Q: Probation ordered person to leave inpatient detox to come to Aiken sc, could not leave for 3 weeks, overdosed and died

Person was in a court ordered drug program, relapsed (which is common in the beginning). Voluntarily checked themselves into a 5-7 day detox unit. Aiken SC probation made him leave the inpatient facility (where he was being given Ativan (or something similar), which stays in your system several... Read more »

Latrice Latin
Latrice Latin answered on Apr 28, 2021

I am very sorry for your loss and this is as very tricky situation. In most Personal Injury cases you need to prove liability, causation and damages. Here we have the damage portion which would be the resulting death. The hard part is placing the liability on someone and proving that they In... Read more »

1 Answer | Asked in Insurance Defense for Pennsylvania on
Q: If an auto insurance company sues me, will my auto insurance company cover those costs or do I?

I was in an automobile accident last year and I was deemed at fault. The other driver's insurance company paid to have the other driver's car fixed and is now suing me to pay them back for those costs. Will my insurance company cover those costs or will I need to pay the other insurance... Read more »

Timothy Kraeer
Timothy Kraeer answered on Apr 23, 2021

If the amount of damages to the other car exceeds your property damage coverage on your insurance policy, you will be responsible for the excess amount. For example, if your property damage limits were $10,000 and the repairs to the other vehicle were $12,000, your insurance will pay the $10,000... Read more »

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