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Insurance Defense Questions & Answers
1 Answer | Asked in Insurance Defense for Ohio on
Q: I was wondering how long an insurance company has to notify me about a claim made against me?
Tim Akpinar
Tim Akpinar answered on Jul 5, 2020

An Ohio attorney is best qualified to answer your question, but you await a response for four weeks. As a GENERAL premise, absent any statutory requirements, it would probably be a reasonable time. The underlying principle is that a party against whom a claim is made should have opportunity to... Read more »

1 Answer | Asked in Civil Litigation, Insurance Defense and Personal Injury for Washington on
Q: How often does a previous injury affect an auto-injury case? Without offering information about a previous injury.

I have a 5-year-old medical bill in collections from a previous injury that is in close proximation [on my body] (but not exact) to this auto injury I just had. Will this show up somehow and affect a possible case? It was in another state that I don't have a policy in or residency in.

Tyler Young
Tyler Young answered on Jul 1, 2020

Good question. Your issue is a common one in most personal injury cases. A reputable injury attorney knows how to deal with this.

You are only entitled to make a claim for the injury that was "caused" by the wreck in question. Whether that means a completely new injury or...
Read more »

1 Answer | Asked in Health Care Law, Insurance Bad Faith and Insurance Defense for California on
Q: In the state of CA can you change a last name but not get officially married to avoid increased health insurance cost?
Kevin Christopher Murphy
Kevin Christopher Murphy answered on Jun 30, 2020

Yes, you can change your name without getting married. However, you should consult with a Family Law attorney to get the best advice before making any decisions. Good luck!

1 Answer | Asked in Traffic Tickets and Insurance Defense for Michigan on
Q: I lost my insurance 2 years ago and had an accident. Their insurance is trying to get me to pay $6000 for her repair.

I was given a ticket for impeding traffic. I did hit the back left side panel of her car.

Mark Bredow
Mark Bredow answered on Jun 23, 2020

Michigan is a No-Fault state. This means that all drivers are required to purchase insurance on their vehicles and that if there is an accident, regardless of who is at fault, each driver's insurance pays to cover their own medical bills, lost wages and damage to their own vehicle. The... Read more »

1 Answer | Asked in Personal Injury, Car Accidents and Insurance Defense for Florida on
Q: Can my assets be brought into a previous lawsuit if we get married?

My fiancee was involved in a car accident while he was on his parents policy. One person did not settle and is now sueing. Can my assets be brought into the lawsuit once we get married in November 2020?

Charles M.  Baron
Charles M. Baron answered on Jun 19, 2020

A party's assets are not an issue in such a lawsuit unless and until a money judgment is entered against the party, and then it's an issue only if there is no or too little insurance coverage to protect the party - for example, if a judgment for $50K is entered against the defendant, who... Read more »

1 Answer | Asked in Insurance Defense and Traffic Tickets for Utah on
Q: What should I do about my no insurance ticket?

On January 1, 2018 I got pulled over for my license plate light being out... but ended up with a no insurance ticket and an impounded car. I was 16 when this happened and my mom was paying the insurance. (I’m 19 now) The officer said the insurance was expired, but I have proof I had insurance on... Read more »

William Melton
William Melton answered on Jun 17, 2020

Without knowing all of your facts, it sounds like the court revoked your plea in abeyance. If you are still going to court I would ask the prosecutor what the status of your plea in abeyance is. See if the court would be willing to reinstate it (it is a long shot given how old the ticket is). But... Read more »

1 Answer | Asked in Contracts, Business Law and Insurance Defense for New York on
Q: I live in Suffolk county NY. I want to take a travel insurance company to small claims but theyre based in Missouri.

Where would i make the claim? The insurance was purchased online along with travel package through groupon

Sarah Elena Gold
Sarah Elena Gold answered on Jun 17, 2020

You won't be able to make the claim in small claims court in NY. The Defendant must reside, work or have a business address within the five western towns of Suffolk County. You'd have to bring the claim in county court, which will be considerably more expensive and may be cost... Read more »

6 Answers | Asked in Car Accidents, Insurance Defense and Personal Injury for California on
Q: I sold a vehicle on Craigslist, was negligent, & now I owe an insurance company 20k in damages?

I sold the vehicle, I had them sign their name and everything necessary on the pink slip, as well as my signature to release it, but forgot to remove and take the release of liability. The person has caused damages worth 20k yet I am liable. I have records of the conversation leading up to the... Read more »

Tyler Young
Tyler Young answered on Jun 11, 2020

Although insurance follows a vehicle, the driver is typically the person who is "responsible" and will be the named defendant in any lawsuit. Said another way, unless there are independent allegations against you (like you sold a defective vehicle etc...) you shouldn't be a party to... Read more »

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2 Answers | Asked in Personal Injury, Insurance Defense and Nursing Home Abuse for Connecticut on
Q: How to find out a Corporation's liability insurer information, if have intent to sue for negligence?
John Brian Hudak
John Brian Hudak answered on Jun 9, 2020

Consider consulting with a personal injury attorney—with a confidential consultation. Many times personal injury attorneys will take cases on contingency where the client will not have to pay anything until money is recovered, part of the recovery goes to the attorney and part of the recovery... Read more »

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Q: How can i change or revise a personal injury claim from neglience to reckless? Please help
Tim Akpinar
Tim Akpinar answered on Jun 6, 2020

A Rhode Island attorney could best advise, but your post remains open for two weeks. Until you are able to consult with a local attorney, as a general premise, if you are talking about a purely civil matter, that distinction could be one that the insurance carrier and the claimant, or their... Read more »

1 Answer | Asked in Collections, Traffic Tickets, Car Accidents and Insurance Defense for Oregon on
Q: I was in a fender bender where I rear ended someone, now I’m being sent to collections and they say my license can be

Suspended if I don’t make a Minimum payment if 1000 down and 100 a month. When I got in the accident I had just bought a car the night before from a personal buyer and had not had a chance to put insurance on it in the less the lab 24 hours after having it. I bought the car on 4/20/20 at 7pm, and... Read more »

Peter N. Munsing
Peter N. Munsing answered on Jun 5, 2020

you asked this twice. Check the answer I and others gave. This looks like an identical post.

2 Answers | Asked in Collections, Traffic Tickets, Car Accidents and Insurance Defense for Oregon on
Q: I was in a fender bender where I rear ended someone, now I’m being sent to collections and they say my license will be

Suspended if I don’t make a Minimum payment if 1000 down and 100 a month. When I got in the accident I had just bought a car the night before from a personal buyer and had not had a chance to put insurance on it in the less the lab 24 hours after having it. I bought the car on 4/20/20 at 7pm, and... Read more »

Virgil Royer
Virgil Royer answered on Jun 5, 2020

First, the collection agency is collecting a debt. They are not the Department of Motor Vehicles (DMV) and have no power to suspend your driving privilege. Second, you mentioned "grace" period. Did your insurance company deny coverage for this accident even though you just bought the car?... Read more »

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1 Answer | Asked in Banking, Insurance Defense and White Collar Crime for Maryland on
Q: If I have been falsely accused of forging personal checks by a life insurance company what can I do to prove my innocene

If I was made the beneficiary of an anuity and the life insurance company the anuity was through says that their "signature expert" says that checks that were signed by the anuity holder and issued to me as reimbursement dont match alleging that they may have been forged what can I do to... Read more »

Mark Oakley
Mark Oakley answered on Jun 2, 2020

It is unclear whether you have actually been charged with a crime, or whether the insurance company holding the annuity account is simply dishonoring the checks written by the owner of the account. Ideally, the account owner can clear this up by confirming the signatures on the checks is... Read more »

1 Answer | Asked in Insurance Defense for New Jersey on
Q: I live in NJ. I received a dealer's loaner car 'cause they are working on mine. They asked for my insurance card.

My policy only has liability/uninused motorist/PIP not collision and comphrehensive. Am I responsible if someone hits me?

Gerald D. Siegel
Gerald D. Siegel answered on Jun 1, 2020

if you don't have collision on your own auto policy and someone hits the rental car and damages it, the dealer's insurance company will pay to repair the car.

3 Answers | Asked in Car Accidents, DUI / DWI and Insurance Defense for California on
Q: If you get a dui at 17 with no license or insurance and get in a crash what will happen

could you go to court alone if you are turning 18 before the court date ?

Mr. Richard Orville Middlebrook
Mr. Richard Orville Middlebrook answered on May 22, 2020

There are so many variables in this it’s hard to answer. The case will be handled in the juvenile courts. There certainly will be some very stiff punishments and more so if someone was injured. There will a significant license suspension of at least a year. Likely to be charged with multiple... Read more »

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1 Answer | Asked in Insurance Defense for Washington on
Q: Do I need both general liability and bodily harm insurance for a kids' event?

I am starting a children's event business where children will be invited to participate in events at their local park for 3-4 hours on a weekend day (approximatly once a month). It's like a day camp, but just for one Saturday a month. Potential activities might include: arts&crafts,... Read more »

Tim Akpinar
Tim Akpinar answered on May 19, 2020

Both types of insurance are important. The scope of coverage would depend on how the policies are written. There are general liability policies that cover bodily injury as a given. In the policies you are exploring, bodily injury coverage appears to be an add-on. These terms are sometimes used... Read more »

3 Answers | Asked in Personal Injury, Insurance Bad Faith and Insurance Defense for California on
Q: does an insurance company have to defend the boat owner even though he is not listed as an insured on the policy?

The boat owner gave it to his son, who ended up getting insurance for the boat. The title for the boat was never changed.

William John Light
William John Light answered on May 19, 2020

Potentially, since the title never changed. An attorney will need to review the policy and do a coverage analysis.

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1 Answer | Asked in Health Care Law, Insurance Bad Faith, Insurance Defense and Employment Law for Georgia on
Q: I was let go 1 month after my transplant was approved through our insurance. Do I have a case?
Tim Akpinar
Tim Akpinar answered on May 17, 2020

It's difficult to say, based on these facts alone. It could depend on the provisions of the health care plan, whether you were working under a contract that addressed such benefits, whether Georgia law provides for options for employees to continue their health care coverage, and other... Read more »

1 Answer | Asked in Bankruptcy and Insurance Defense for Illinois on
Q: I am currently in bankruptcy, Chap 13, and my car was included in the bankruptcy, but now I have paid them off but they

still have the title until I completely pay the bankruptcy off, but I have been recently in a minor accident and the insurance company wont pay me unless I have a lienholder release form. Will I be able to get that since the car is paid off eventhough the bankruptcy isnt?

Timothy Denison
Timothy Denison answered on May 15, 2020

You should be able to, yes. Consult the trustee on your case and tell him what has happened.

2 Answers | Asked in Insurance Defense for Florida on
Q: I found my grandmothers Group Life Insurance Rider,Sears, Roebuck and Co; Effective April 1, 1966

does the rider have value since Sears court ruling was a judgement?

Terrence H Thorgaard
Terrence H Thorgaard answered on May 2, 2020

You have to do a lot better than that to ask a question here. And the personal information is not necessary.

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