Insurance Defense Questions & Answers by State

Insurance Defense Questions & Answers

Q: Removing son in law from Geice car insurance

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for New York on
Answered on Mar 27, 2017

Review your situation and insurance contract with a lawyer. More details are necessary to provide a professional analysis of your issue. The best first step is an Initial Consultation with an Attorney. You can read more about me, my credentials, awards, honors, testimonials, and media appearances/ publications on my law practice website. I practice law in CA, NY, MA, and DC in the following areas of law: Business & Contracts, Criminal Defense, Divorce & Child Custody, and Education Law. This...
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Q: Do I only need to contact insurance adjuster and in what amount of time to not have my claim permanently closed?

1 Answer | Asked in Insurance Defense and Personal Injury for Maryland on
Answered on Mar 15, 2017

This question is difficult to answer without context. A claim would be permanently closed if you signed a release, if your claim went to trial and no appeal was taken, or, if 3 years had elapsed without your filing a lawsuit from the date of personal injury. You also mentioned you need to find an attorney. If you are represented, of course you should direct all questions to him or her. If not, you need to consult immediately with a seasoned personal injury lawyer.
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Q: I'm being sued for an accident that happened in 2013 according to lawyer client was injured. I filed for Chapter7 in2015

3 Answers | Asked in Bankruptcy, Personal Injury, Civil Litigation and Insurance Defense for Florida on
Answered on Mar 11, 2017

A person who is injured in an auto accident can file a suit within 4 years. You need to notify your insurance company immediately and provide the insurance company a copy of the lawsuit.

Your bankruptcy could bare the lawsuit however you would have to if included this claim in the bankruptcy in order for it to bar this lawsuit. Based upon your statements it sounds like you did not include this lawsuit or the underlying claim in your bankruptcy.

Get the lawsuit to your insurance...
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Q: Can my insurance deny my claim ?

1 Answer | Asked in Car Accidents, Civil Litigation and Insurance Defense for California on
Answered on Mar 10, 2017

Your question is loaded with issues, but not a lot of background information about the claim itself.

The short answer is: it depends. What kind of claim did you make? For car repairs? Something else?

Insurance policies have many parts to them. There are first the insuring clauses. Claims get made under specific parts of a policy. There's the liability part; there's the part which insures you, your family and others who may use the car with permission. There's the part which...
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Q: Can an insurance company deny a claim so insurer can fix the damage themselves to avoid paying the deductible?

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for California on
Answered on Mar 6, 2017

Are the repairs you're being asked to make your contractual duty to the HOA, and are such repairs logically required to be completed so that the roof can be fixed? Or is there no physical causal connection between the two? More details are necessary to provide a professional analysis of your issue. The best first step is an Initial Consultation with an Attorney. You can read more about me, my credentials, awards, honors, testimonials, and media appearances/ publications on my law practice...
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Q: Can I get copies of interactions between my attorney and the insurance company, from attorney?

1 Answer | Asked in Insurance Defense and Personal Injury for Maryland on
Answered on Mar 3, 2017

Absolutely. You have a right to all communications between your lawyer and anyone else relevant to your case. While a telephone call should suffice, I suggest you send a letter or an email to your attorney making the request.
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Q: Can an auto insurance company make you pay more than your deductible after a wreck?

2 Answers | Asked in Insurance Bad Faith, Insurance Defense and Car Accidents for California on
Answered on Feb 16, 2017

Were you found to be at fault? Did your insurance coverage apply to your liability? More details are necessary to provide a professional analysis of your issue. The best first step is an Initial Consultation with an Attorney. You can read more about me, my credentials, awards, honors, testimonials, and media appearances/ publications on my law practice website. I practice law in CA, NY, MA, and DC in the following areas of law: Business & Contracts, Criminal Defense, Divorce & Child Custody,...
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Q: what to do when someone steals your half of life insurance policy

1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Probate for Arkansas on
Answered on Feb 15, 2017

Contact some lawyers and hire the one you like best. Many offer free initial consultations. Good luck.
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Q: IF AN INSURANCE COMPANY ADDED AN "EXCLUDED DRIVER" TO SOMEONE'S POLICY.. WITH THE WRONG NAME, BIRTH DATE, & RELATIONSHIP

1 Answer | Asked in Personal Injury, Traffic Tickets, Car Accidents and Insurance Defense for Texas on
Answered on Feb 7, 2017

If the excluded driver wasn't driving they can't get all technical when the crash happens. Makes sense to talk to a member of the Texas Trial Lawyers who handles bad faith. In the meantime, confirm what they are doing--that they agree the car was driven by the person who had the policy; that it was paid as of date of crash; that it is a coverable event; that they are chosing not to cover it. Then send them a confirming letter. Then go to the office of consumer affairs of the insurance...
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Q: My vehicle was stolen, do i need an attorney present to be examined under oath by insurance attorneys at their office

1 Answer | Asked in Insurance Defense and Consumer Law for California on
Answered on Feb 5, 2017

It's a good idea to have a lawyer. More details are necessary to provide a professional analysis of your issue. The best first step is an Initial Consultation with an Attorney. You can read more about me, my credentials, awards, honors, testimonials, and media appearances/ publications on my law practice website. I practice law in CA, NY, MA, and DC in the following areas of law: Business & Contracts, Criminal Defense, Divorce & Child Custody, and Education Law. This answer does not constitute...
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Q: I don't currently own the home but was robbed. Is homeowners going to cover it since I don't actually rent from anyone

1 Answer | Asked in Real Estate Law, Criminal Law and Insurance Defense for Indiana on
Answered on Feb 5, 2017

Check the homeowners policy for coverages and exclusions. That is controlled by contract. Your first call should be to the insurance agent.
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Q: A lady ran a stop sign and caused an accident with her husbands car but he told insurance she didn't have permission to

2 Answers | Asked in Car Accidents and Insurance Defense for Pennsylvania on
Answered on Jan 31, 2017

Unfortunately you will need to consult legal counsel. There are numerous questions: Is the wife living with husband, Is she named under the liability policy, What was her purpose in driving his care, what is their history.
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Q: Can I be held liable for my 18 year olds auto accident, car and insurance in his name?

1 Answer | Asked in Personal Injury and Insurance Defense for Ohio on
Answered on Jan 28, 2017

Generally you aren't responsible for your kids in that regard unless the car was in your name and you lacked adequate coverage. If it's his name and lacked adequate coverage he might be able to get additional coverage on yours but that's not tooo likely the way policies are written now.
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Q: I received a no insurance ticket in illinois but i had insurance just no proof, I still have proof what do I do?

2 Answers | Asked in Insurance Bad Faith, Insurance Defense and Traffic Tickets for Illinois on
Answered on Jan 24, 2017

Hello Asker,

First of all, this is quite old so you will certainly want to hire an attorney for this case as it will require a motion to vacate the judgment. Typically, the court will not entertain a motion on a case older than two years and they prefer them to be within 30 days. Seeing as how your case is over 5 years old, you should expect to hire an attorney to ensure that the court will even assist you.

Second, if you have proof of insurance that you can present to the...
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Q: I am charged personal and company both,Can I dismiss personal criminal charge?Or this should not be criminal penalty?

1 Answer | Asked in Criminal Law and Insurance Defense for New York on
Answered on Jan 23, 2017

You might be able to file a motion for dismissal, but I'm not sure on what grounds you would do so. More facts are needed here. The best first step is an Initial Consultation with an Attorney. You can read more about me, my credentials, awards, honors, testimonials, and media appearances/ publications on my law practice website. I practice law in CA, NY, MA, and DC in the following areas of law: Business & Contracts, Criminal Defense, Divorce & Child Custody, and Education Law. This answer does...
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Q: If a Veteran is convicted of DWI & his insurance company comes after him for reimbursement, can they seize assets

1 Answer | Asked in DUI / DWI and Insurance Defense for New York on
Answered on Jan 23, 2017

It depends on the facts. Have a lawyer review your case and your insurance agreement. The best first step is an Initial Consultation with an Attorney. You can read more about me, my credentials, awards, honors, testimonials, and media appearances/ publications on my law practice website. I practice law in CA, NY, MA, and DC in the following areas of law: Business & Contracts, Criminal Defense, Divorce & Child Custody, and Education Law. This answer does not constitute legal advice; make any...
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Q: CarInsurance canceled all coverage

2 Answers | Asked in Car Accidents and Insurance Defense for Illinois on
Answered on Jan 23, 2017

It is certainly possible to fight this based on the limited information provided. However, the success of such a claim depends on very specific language in your policy, as you may not of adhered to noticing or other formal requirements. I would recommend organizing all information related to this situation, including your policy, and consult with an attorney individually to assess your options. Many of us offer free consultations, so it will not cost you anything to obtain a professional's...
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Q: I got in a dispute of $550 with my dental office. They claimed they did services which my insurance won't cover

1 Answer | Asked in Health Care Law, Insurance Defense and Medical Malpractice for Pennsylvania on
Answered on Jan 18, 2017

You can tell them you did not consent to the services they are billing you. If they have a debt collector call you you file a complaint with the medical board that licenses dentists.
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Q: My insurance company declined to pay my hospital bill on the grounds that I should have been treated as an outpatient.I

1 Answer | Asked in Health Care Law and Insurance Defense for Colorado on
Answered on Jan 18, 2017

You have three options. One, you can appeal the insurance company's determination. Two, you can see if the insurance company's determination voids some or all of the medical charges because of the violation of the agreement between the doctor/hospital (I have seen over $200,000 worth of charges voided this way for clients). Three, you can pay the difference. Options one and two will require a lot of time on the phone, but the payoff if it works will be great. Option three is the easiest, but...
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Q: How long does it typically take to come to close on a personal injury case.

2 Answers | Asked in Car Accidents, Insurance Defense and Personal Injury for Florida on
Answered on Jan 12, 2017

Personal injury cases do take some time. I tell my clients that we like to get cases resolved, if possible, within 12 months. Some settle sooner than that and some take a long time. For example, if the insurance company does not offer a reasonable settlement, we file a lawsuit for our client and that process can take years.

Having said that, you should have a discussion with your current lawyer and see what he/she thinks about your medical treatment and how much longer you may need...
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