Insurance Defense Questions & Answers by State

Insurance Defense Questions & Answers

Q: What do I do if insurance lawyers in a car accident suit reached out to me as the opposing party to discuss settlement

1 Answer | Asked in Insurance Defense for California on
Answered on Sep 19, 2017

Attorneys are forbidden by the rules of professional conduct from contacting people regarding a matter in which the person is represented by counsel. You should inform your attorney of this attempt.
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Q: Can I plead Nolo if I have already taken a defensive driving course?

1 Answer | Asked in Criminal Law and Insurance Defense for Georgia on
Answered on Sep 17, 2017

It is up to the Judge whether to accept a nolo plea. Taking a defensive driving class would have nothing to do with it.

For more info, check my website at www.LevinLawyerGa.com
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Q: My insurance policy ended on 9th. Later on in the day when I realized I purchased different insurance from geico online

1 Answer | Asked in Insurance Defense, Intellectual Property and Consumer Law for Ohio on
Answered on Sep 13, 2017

You need to obtain the electronic mail to and from Gieco to determine whether policy was in effect. In addition, your previous insurance company may have continued the policy of insurance for a short period of time after the cancellation for non-payment.

If you cannot obtain the email information, you may want to contact a computer forensics expert. The email would have left an exact date and time that the email was transmitted from your computer.

However, the on-line...
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Q: Your response did not take into account the full question. Mailed the payment certified mail with a Postal Service

2 Answers | Asked in Insurance Defense and Consumer Law for Florida on
Answered on Sep 8, 2017

I believe you may be referring to an answer I gave you previously, but I don't see that question and answer now.

If that's true, the prior question didn't mention that you used certified mail.

If it was postmarked on September 1st, that is obviously the date of mailing. I'm fairly certain that there is no federal statute which makes the date of mailing equivalent to the date of receipt (if that's what you're asking).
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Q: My flood insurance was due on September 5. I paid the full amount on September 1 and sent the payment on that day.

1 Answer | Asked in Insurance Defense and Consumer Law for Florida on
Answered on Sep 8, 2017

Wrong. The date of mailing is not the date of receipt. It was received when it was received.

In the future, you can arrange with the post office to receive proof of when the mailing is received.
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Q: Ok so i bumped into another vehicle and I was trying to be responsible and give my information but the other driver...

1 Answer | Asked in Traffic Tickets, Insurance Defense and Car Accidents for Texas on
Answered on Sep 5, 2017

Let your insurance handle it. He has a case for what you think he does. He wants to make a big deal. Time to call in those you pay a premium to handle such things.
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Q: Is there any way to protect myself from subrogation if I didn't cause the accident and wasn't driving?

1 Answer | Asked in Bankruptcy, Car Accidents and Insurance Defense for Missouri on
Answered on Sep 5, 2017

I. Don't agree it is your obligation. It may be but it may not be. 2) Help them locate your ex--if you get sued you need to sue him for "contribution," 3) find out what the claim is for. If it's for property damage only, and they give you a FULL release of ALL claims including injury claims then it may be a deal. If it's just for property damage and you face an injury claim, no deal.4)contact a lawyer who handles insurance defense. It may be they will charge a consultation fee but worth it if...
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Q: What can a person do if they didn't take my insurance 2 months ago after I hit their car! And now asking me to pay it

2 Answers | Asked in Insurance Defense and Car Accidents for Texas on
Answered on Sep 5, 2017

You owe him cost of repairing the damage you did or the total loss value, whichever is less. If you want to contest it tell him you will pay cost of fixing what you did. If that is less than 2000, offer that. If it's more than 2,000 you may be getting a deal.
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Q: I was in a bad wreck while on divery for pizza inn they post to have auto insurance on me but didn't so are they liable

1 Answer | Asked in Insurance Defense, Car Accidents and Workers' Compensation for Mississippi on
Answered on Sep 1, 2017

You want to check with a member of the Miss. Trial Lawyers Assn/Assn for Justice who handles comp--they give free consultations.

You would have a claim but it's not the type of claim that's going to give you relief, now.

So get the consult because your type of situation will be very fact specific. Grab a copy of the police report while you're at it.
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Q: Does Iowa have a code for time it takes the defendant’s insurer to issue the settlement check.

1 Answer | Asked in Civil Litigation, Insurance Defense, Collections and Personal Injury for Iowa on
Answered on Aug 31, 2017

There is no set time, although it is normally done within a week. Of course the time depends on the terms of the settlement, the signing of paperwork, modification of the terms stated in the paperwork and the type of settlement. Is it for property damage, car rental, medical expenses, an annuity or a one-time payment? Lots of unanswered questions to be answered.
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Q: E age 15 was driving her grandfather's vehicle with permission and was involved in a T-bone collision .

2 Answers | Asked in Personal Injury, Car Accidents and Insurance Defense for California on
Answered on Aug 24, 2017

If it's the adjuster for the insurer of the car she was driving, she has an obligation to cooperate. If it's the adjuster for the insurer of the other car, she should not give a statement without consulting with a Nebraska attorney. Regardless of which adjuster it is, if and when she speaks, she should tell the truth. Giving a false statement can be insurance fraud.
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Q: I was backing out of a parking space I was rear ended. They won't take responsibility, and was at fault. I have Proof.

1 Answer | Asked in Car Accidents and Insurance Defense for Arizona on
Answered on Aug 6, 2017

Contact a member of the Az Trial Lawyers Assn for your area--they give consults.

Note: no one comes from "nowhere"--they came from a place you weren't watching. However, it sounds like you had position, so you likely have a case.
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Q: Do insurance companies have a time limit to pay damages?

1 Answer | Asked in Civil Litigation, Insurance Bad Faith and Insurance Defense for Florida on
Answered on Aug 4, 2017

If I understand your brother in law's situation correctly, he has a "local Lawer" but not a Florida Lawyer.

I suggest strongly that your brother in law speak with a Florida Personal injury attorney who handles workers compensation cases, as soon as possible.

I attach the workers compensation statute here: It provides for a 2 year statute of limitations to bring the claim. I am very concerned that your brother in law may have waited to late. (Important I do not handle workers...
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Q: Will I have a hit-and-run on my driving record if I was not convicted, but my insurance company paid the claim?

1 Answer | Asked in Criminal Law, Insurance Bad Faith, Insurance Defense and Personal Injury for California on
Answered on Aug 3, 2017

Your driving record will show a collision resulting in bodily injury. It is entirely your insurer's right to determine whether to pay a claim and how much to pay, even if it affects your driving record.
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Q: I was in a car accident and subsequently sued by the other driver. My insurance company gave me information about an

2 Answers | Asked in Insurance Defense for California on
Answered on Jul 29, 2017

They represent you. You are their client, although the insurance company is paying the bill.
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Q: Flood insurance renewed without consent,policy went from $425 to $7000. Is this force placed insurance? Never notified

1 Answer | Asked in Contracts, Federal Crimes, Insurance Bad Faith and Insurance Defense for Florida on
Answered on Jul 24, 2017

Of course, you are addressing your mortgage and the bank or other mortgagee. The mortgage has notification requirements and other applicable provisions. Would have to see your mortgage. Would also have to see escrow statements. I have personally seen a number of fored placed flood insurance policies with the lenders receiving full refunds. Also of course, cannot guarantee any, much less that, result in your case. But, you should contact the lender/servicer of your mortgage. Telephone...
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Q: Insurance company said my truck is totaled and it is still drivable. Do I have the right to second opinion?

1 Answer | Asked in Insurance Defense and Car Accidents for Texas on
Answered on Jul 12, 2017

Totaled means the cost of fixing is more than the book value.It could be driveable but because of age it's book value is low. They aren't required to pay more than book value. Example: you own a 67 Dodge dart, good to 240,000k You have 120k and they offer you book value of $300. If that's the book, then even if it's totally driveable, it's their option--not yours.

If you were hurt, contact a member of the Texas Trial Lawyers Assn--they give free consults.
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Q: I was hit by a person who deliberately went off the road to go around me. What can I do?

1 Answer | Asked in Car Accidents and Insurance Defense for South Carolina on
Answered on Jul 12, 2017

You can make a claim for damage to your car and any injuries. Do not give recorded statements until you speak with a member of the SC Assn for Justice.They give free consults.

If you were hurt you need to see a doctor.
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Q: Is it legal to change someone elses doctors apointments?

1 Answer | Asked in Criminal Law, Family Law, Health Care Law and Insurance Defense for New York on
Answered on Jul 10, 2017

That sounds like a HIPAA violation unless exceptions apply. More details are necessary to provide a professional analysis of your issue. The best first step is an Initial Consultation with an Attorney such as myself. You can read more about me, my credentials, awards, honors, testimonials, and media appearances/ publications on my law practice website, www.AEesq.com. I practice law in CA, NY, MA, and DC in the following areas of law: Business & Contracts, Criminal Defense, Divorce & Child...
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Q: What's the next step? I'm a contractor that just got a letter from a client about a "supposed" construction defect?

1 Answer | Asked in Insurance Defense for California on
Answered on Jul 8, 2017

Review it 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 such as myself. You can read more about me, my credentials, awards, honors, testimonials, and media appearances/ publications on my law practice website, www.AEesq.com. 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...
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