Insurance Defense Questions & Answers by State

Insurance Defense Questions & Answers

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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Q: Can I sue an at fault driver's insurance for new parts?

2 Answers | Asked in Insurance Bad Faith, Insurance Defense and Car Accidents for California on
Answered on Jul 5, 2017

Ask the dealer for the lease language that says you must repair the vehicle at its shop. If that is indeed a requirement, then get it fixed there. If the other driver's insurance won't pay, sue in Small Claims court. You cannot be forced to purchase aftermarket parts, regardless of its policy and regardless of your lease language. You are entitled to get your car fixed at any body shop. Whether a Small Claims judge will award you damages based upon the cost of new parts or aftermarket is...
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Q: My question is how do l get medical ins. in N.C. when I'm on a fixed income & can't work ? I'm inbetween 60-65 yrs old.

1 Answer | Asked in Elder Law, Insurance Bad Faith, Insurance Defense and Medical Malpractice for North Carolina on
Answered on Jun 30, 2017

Hope you tell your GOP Senators and Congressman about this as they seem to think people like you can just get insurance and need no help. There are "spend down" and other ways if you are "medically needy" of qualifying for medical assistance, but these vary by state. See if there is a patient advocacy center that can help give you information.
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Q: What to do after receiving personal injury summons for judgment of money, following car accident?

1 Answer | Asked in Car Accidents, Insurance Defense and Personal Injury for Wisconsin on
Answered on Jun 29, 2017

You had insurance and this is what it is for. They will hire you an attorney. Fax and SEND THEM THE SUMMONS, phone them, keep a copy for yourself. DO NOT REPRESENT YOURSELF!
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Q: When calculating a personal injury settlement, are property damages incurred in an accident separated?

1 Answer | Asked in Car Accidents, Insurance Defense and Personal Injury for Washington on
Answered on Jun 29, 2017

Forget the formula. That's bogus. If you lost an eye would 3 x the medicals be enough? No way. If you had one ER but went in as trauma and the bill was 19,000 and no follow up after, do you think they'd pay 3x19?

If your crash is serious enough to consider uninsured, you should reconsider the d.i.y. bit. Contact a member of the State of Washington Assn for Justice--they give free consults.
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Q: Would I win a small claims for damage expenses to my veichle from other driver that my insurance found me At Fault with.

1 Answer | Asked in Civil Litigation, Insurance Defense and Personal Injury for Illinois on
Answered on Jun 22, 2017

Certainly if your rates get raised you can bring out this issue again. If you were hurt, contact a member of the Ill Trial Lawyers Assn--they give free consults. If not, you can try small claims.
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Q: Due to a misunderstanding between me and my dad I was stopped for no insurance no registration took care of it same week

1 Answer | Asked in Criminal Law, Insurance Defense and Traffic Tickets for Georgia on
Answered on Jun 19, 2017

Driving without insurance is a misdemeanor. The minimum fine is $200. The maximum penalty is 12 months in jail and a $1,000 fine. Your driver's license could also be suspended. I suggest you hire an attorney to assist you with this matter.
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Q: How to dispute a bill when a clinic changes doctor and doesn't inform that new dr doesn't accept insurance

1 Answer | Asked in Health Care Law, Insurance Bad Faith and Insurance Defense for California on
Answered on Jun 15, 2017

You can always negotiate. However, you do owe for the service, regardless of insurance.. The insurance info is usually posted in the doctor's office. Wouldn't hurt to check.
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Q: Tire shop repair caused me to lose my entire wheel on the freeway, now they won't give me their insurance info.

1 Answer | Asked in Products Liability, Car Accidents, Insurance Bad Faith and Insurance Defense for Iowa on
Answered on Jun 13, 2017

Call a member of the Iowa Assn for Justice--they give free consults. You may have to handle this yourself as you weren't injured. You need any bolts that sheared, the tire and rim that went etc.
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Q: My dad passed away in December 2016 it has been seven mouths sence then how long can life incurrence take to invastcate

1 Answer | Asked in Insurance Defense, Consumer Law, Insurance Bad Faith and Probate for Florida on
Answered on Jun 11, 2017

Did you notify them of his death? Contact them and ask if their investigation is concluded.
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Q: Need help

2 Answers | Asked in DUI / DWI, Car Accidents and Insurance Defense for Georgia on
Answered on May 25, 2017

I believe you are asking if someone who took another's vehicle without consent and was involved in a serious accident, would the owner of the vehicle be liable? If that is your question, then yes, the owner could certainly be held liable under certain circumstances. There is no "yes" or "no" answer to this question. The details are the most important thing but I can certainly imagine a likely scenario whereby the owner is held liable for the accident even though they were not driving and the...
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Q: What laws govern insurance companies - is it federal law?

1 Answer | Asked in Insurance Defense for California on
Answered on May 16, 2017

There are federal and state laws that apply. What type of issue do you have? 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, 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: If person is behind light pole and not in designated crosswalk do you have to stop if it appears they are not crossing

1 Answer | Asked in Insurance Defense and Traffic Tickets for New Jersey on
Answered on May 14, 2017

I would fight this as he was not in the crosswalk, but will the officer admit to this when he goes to court will probably be your problem. But if you want the best chance to win get a good lawyer not a cheap lawyer as cheap lawyers are generally never good.
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Q: Sorry for long detail below. I have a question if i am entitled to a full refund from an auto insurance agency.

2 Answers | Asked in Contracts, Insurance Bad Faith and Insurance Defense for Florida on
Answered on May 2, 2017

Whether you at are entitled to a refund will largely depend upon your contract with State Farm. I suggest that speaking with an insurance lawyer is best.
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Q: grandma and mom passed awat .grandma had a life insurance policy on my mom. Do I get the policy.

1 Answer | Asked in Insurance Defense and Probate for Michigan on
Answered on Apr 29, 2017

Your question is not clear. What did your grandmother's will/beneficiary designations say? She left things to the 5 other grandkids but apparently not you? What exactly are you asking?

-- This answer is offered for informational purposes only and does not constitute legal advice or create an attorney/client relationship.

I am licensed to practice in Michigan only. Please seek competent local legal help if you feel you need legal advice
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Q: Am I required by law to have disability insurance if I am the only employee and owner of my company? (an LLC)

1 Answer | Asked in Insurance Defense and Business Law for New York on
Answered on Apr 14, 2017

Not typically, but in some rarefied event it might depend on what kind of industry you're in and what specific licensure rules apply to you in your profession. 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, www.AEesq.com. I practice law in CA, NY, MA, and DC in the...
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