Insurance Defense Q&A by State
Your current state is Virginia
Insurance Defense Questions & Answers
Q: friend got a citation for no license in my car. They used my insurance. Will my parents find out? Or will my rate go up?
Insurance under parents
Was there a crash? If not no problem. Even if there was, I don't see a problem under most scenarios. Rates only go up if the driver is at fault in causing the collision, if there was one. The question of fault has nothing to do with the license.
Q: When your license gets suspended for not being insured Do they revoke all registrations in the vehicle owners possession
I was in an accident and i was uninsured. So i got a ticket and license suspended. Does this on affect the vehicle that was in the accident?Or does that include both of my vehicles?
If I understand your question correctly, I think you misunderstand the difference between your LICENSE and the vehicle REGISTRATION. these two things are not the same. Your license is for you only- it is the authorization that you can legally drive a vehicle ( ANY vehicle, even one you don't... Read more »
Q: A car crashed into me by turning around in an intersection while i was behind him, how do i get his insurance to pay?
Typically it takes gathering all the relevant information including the crash report. It is rarely advisable to do this alone. You should at least call an attorney over the phone and request a free consultation. If it is a meaningful accident and you were injured, you will likely want to hire an... Read more »
Q: I was taken to court and my ex won but it contradicsts state laws. Should i request a set asude or appeal?
It's possible part of your question was inadvertently left off. An attorney would need additional information about the scope of the matter and state laws you mention on which you are contemplating an appeal. You could try reposting.
Tim Akpinar
Q: An auto insurance company doesn't want to counteroffer until I come down more from my original counter. what should I do
Just received a letter from the insurance company saying:
""We have minimum limit policies 30/60 and unless the counters are more reasonable for me to extend another offer I could be bidding against myself. You can call me and we can discuss the claims and if a more reasonable counter is... Read more »
Based on the facts at hand, it isn't mentioned what their offer is. If you consult with a Texas injury attorney for their opinion on the insurance company's offer, they are going to want to know more about the medicals. Based on the description here, the other vehicle ran a red light and your... Read more »
Q: MR. LIGHT WHAT IF I DIDNT HAVE INSURANCE ON MY CAR AT THAT TIME?
Lack of insurance has nothing to do with who is at fault. If the other party is at fault, lack of insurance will only affect your ability to recover pain and suffering damages if you pursue a personal injury claim. You will only be able to recover economic damages (medical expenses, property... Read more »
Q: WHERE CAN I FIND AN ATTY. FOR WHAT I BELIEVE IS INSURANCE FRAUD?
This young guy hit my car CLEARLY at fault & admitted it. the insurance paper showed his policy had expired He told me that he would talk to his mother to get my car fixed. His mom is an insurance agent. the calls that were supposedly from a claim adjuster were not the # was from his moms office... Read more »
Unclear if you are injured from a collision or just want property damage repaired. The remedy for establishing who is at fault in a collision is a lawsuit. If you want your property damage repaired, file in Small Claims. Bring photos of the damage, and of the scene. Bring copies of the... Read more »
Q: Guy cut me off while turning into driveway which caused me to fall and hit his car, driver made false insurance claim
Drive told Insurance that I hit his car while he was parked, I have witnesses that say otherwise, only thing is I have no bike insurance for bike nor a bike license, as I've owned it for a month, does this hurt me or what would happen?
In Barstow, California
If you are hurt, contact a personal injury attorney to pursue a claim on your behalf. Since you were uninsured, you can only recover your economic damages - no pain and suffering.
If you have property damage only, file suit in Small Claims court. Bring your witnesses and... Read more »
Q: Can I have an attorney write a letter to a judge for me to have a ticket from 2014 for no insurance and fta dismissed?
My license expired in February and upon trying to renew it this old ticket showed up from April 2014. I have no insurance now because I have no vehicle. I moved from San Marcos in 2015 to Spring Tx.
Yes you can, and what we usually do under facts like this is try to get the Judge to allow you to pay the Fail to Appear and dismiss the no insurance. The FTA is not a moving violation and it keeps you from getting a suspension for no insurance and surcharges.
Q: My sister crashed into a lady's car, while no major damage recorded by the cop the lady is suing us for over 10K+ estim.
My sister had a minor car accident when she hit an old lady's car while changing lanes, but it wasnt a major accident as it only scratched the lady's car. The cop gave my sister just a warning as it was her first accident and the damage was really low, even the lady said she wasn't hurt. Fast... Read more »
I would be pleased to discuss how you can defend the case: 202-713-5292 (cell).
Q: I need some help
Part of your question may have gotten left off. You could try to repost it.
Tim Akpinar
Q: Should I accept this offer from the insurance company, or should I get more money?
I was in a car accident a couple of weeks ago. We were at a stop waiting for traffic to clear to turn left when the car behind us did not stop and went right into us. It was a hit and run, but they were caught. Both cars were totaled. I was the passenger in the car, and have been going to a... Read more »
This is a perfect example why non-lawyers should never agree to do anything important when offered by a complete stranger--over the telephone? Really? There may still be time for you to extract yourself from the clutches of this uncaring insurance company--if you call a lawyer and ask for help. Do... Read more »
Q: Under Insurance contracts required to conform to cal statues change insurance contract exclusion provision of ownership
Are Insurance contract, that state "all provisions of this contract amend to conform with statues of the state", and used an exclusions of "actual or beneficial ownership" to deny coverage, changed under cal statuary laws that define the transfer of the actual or beneficial owner as outlined under... Read more »
No one can answer without reading the policy, knowing the facts underlying the claim, and reading the declination letter from the insurer. However, "actual ownership" under the meaning of the policy is probably the meaning set forth in Vehicle Code 5600(a).
A beneficial owner is occurs... Read more »
Q: In the state of Tennessee if you have an insurance policy full coverage on financed vehicle it lapses is that insurance
Is Insurance supposed to alert lender for final notice
The Insurance Company will usually notify the Lienholder of a Policy lapse. If the Policy is SR-22, then the Insurance Company will probably notify the Department of Safety and everybody else. Usually there is a short grace period.
Q: I am looking to hire a vacant business property for two weeks. What insurance do I need? What do I need in writing?
I do not know where you live, but I can tell you that it is impossible to "hire a vacant business property" in Florida.
If you mean to say you are renting a business property then I advise you to do everything in writing. Regarding the need, vel non, for insurance, no one can answer that... Read more »
Q: Is there such a thing as cancellation remorse. We cancelled our life insurance on phone but now regret it.
Most likely not. Read the policy to see if addresses cancellation.
Q: How can i retrieve property that has been turned over to the state Escalator?
My wife has been deceased. i received a letter from Human Insurance staining that fifty eight dollars and ninety seven cents is in the State Spectator position. How can I retrieve the above property? I can provide copies of marriage and death certificate.
Thanks for your kind attention.
This is not an intellectual property question (or insurance defense), but rather a personal property issue. It's unclear from your question what you're referring to. State Spectator? I've never heard of such a thing. Maybe ask the insurance company that sent you the letter what to do?
Q: Is there any way to get justice for a fender bender the person in front is at fault
The woman was on hwr phone and stopped 15 ft before the lime at the light slamming on her breaks i was slowing down to come to a stop at the light and ended up haveing to slam on the breaks as well my leg is hurt ans my car is totaled all she has is a little scratch she knew she was at fault... Read more »
First,contact a member of the NC Assn for Justice--they give free consults. Second, do not discuss this further on this page or any page, or facebook etc.
Yours is a very tough case----in part because while she is careless if she came to a complete stop that early, you have to leave enough... Read more »
Q: What happens if you dont have insurance and are at fault for an auto accident?
My 18 yr old niece got in an Accident and was found at fault. She had no insurance and no DL at the time. she took no photos and cant rember the Accident because she lost consciousness and suffered a concution, one of the other drivers also did not have insurance and got an lawer and she recived a... Read more »
If she was at fault like you say then you really need to find out how much damage was done to the other car and find out if anyone was hurt. That will determine her financial liability. The fact that the other party got an attorney means the other person most likely was injured. If the other party... Read more »
Q: My outside air conditioning unit caught on fire & was put out by the fire department. No one knows what caused it.
My home insurance will cover it less my deductible. In the mean time the manufacturer has agreed to replace it if I sign a release. Can I accept both offers legally?
If the manufacturer agrees to replace it, then it would seem there is no longer a loss for insurance to cover. If you choose the insurance company's payment, you have the deductible to consider. Insurance carriers will offset their payments, or choose not to issue payment, if a loss is already... Read more »
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