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Insurance Defense Questions & Answers
1 Answer | Asked in Personal Injury, Animal / Dog Law, Insurance Defense and Landlord - Tenant for Colorado on
Q: If someone else's cat bit me, after it had entered my house and I tried to remove it, can i be liable or sued?

I woke up and I hear meowing coming from somewhere, and I thought it was my cat. It was actually another person's cat that was outside my front door. I didn't know this because it had no collar and I hadn't seen it before. Over the next couple of hours the cat stayed out there. I had gone and came... Read more »

Kristina M. Bergsten
Kristina M. Bergsten answered on Dec 13, 2019

Most likely the adjuster is calling you to pay for your injuries so you don't sue the owner. But, I do not know. I would recommend taking the call to find out what the adjuster wants.

2 Answers | Asked in Traffic Tickets, Car Accidents and Insurance Defense for Tennessee on
Q: I was in a small wreck just a fender bender a mile from my house, I had no license (Never had them) and no insurance I

Was driving down to our field (a mile and half from my house) our neighborhood hit my car he wasn’t paying attention to the road. I got a ticket for no license and no insurance I did have a 28 year old in the car with me, he told me he didn’t see any reason to arrest me since I was honest and... Read more »

Mr. James Charles Wright
Mr. James Charles Wright answered on Dec 13, 2019

If the accident was the other driver's fault then the fact you didn't have a license is likely not admissible on fault. Who is fault is determined by what happened in the accident. As to the ticket- It is good that you now have your learner's permit and insurance. The fact that you have these... Read more »

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1 Answer | Asked in Criminal Law and Insurance Defense for Georgia on
Q: Hello, My brother is held at the Atlanta airport for offense ‘fugitive from justice’. How should I deal this issue?
Priscilla T. Upshaw
Priscilla T. Upshaw answered on Dec 13, 2019

You should contact an attorney as soon as possible who can assist you with the specifics of your brother’s case. We are glad to assist you. Contact whenever you are ready.

I wish you well.

-The Upshaw Law Firm, (770) 240-0922.

2 Answers | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for New Jersey on
Q: hi i have a questionabout car insurance
Leonard R. Boyer
Leonard R. Boyer answered on Dec 12, 2019

There is no listed question, so please include it.

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1 Answer | Asked in Civil Litigation, Personal Injury, Car Accidents and Insurance Defense for Georgia on
Q: How should I be handling this? Getting my own attorney or going through the auto insurance company?

I was driving my spouse’s company car and was involved in an accident 22 months ago. I had permission to drive the car and was told by a company representative that as a spouse I was covered by the automotive insurance policy because my spouse also uses the vehicle for personal use. Yesterday I... Read more »

Priscilla T. Upshaw
Priscilla T. Upshaw answered on Dec 5, 2019

It is best to consult an attorney versus going through the insurance company. An attorney will work to protect your interests, and the insurance company’s primary objective is to protect their own interests.

I wish you well.

-The Upshaw Law Firm, (770) 240-0922.

1 Answer | Asked in Business Formation, Business Law, Contracts and Insurance Defense for New Jersey on
Q: Should I have separate insurance policies for my rental LLC’s, or can it be a named insured on my personal policy?
Leonard R. Boyer
Leonard R. Boyer answered on Dec 5, 2019

Each LLC should have at least three members and it's own insurance policy. All LLCs should be owned by a "C" corp. Anything else is not going to protect you from personal liability. You really need to retain an experienced business and contracts attorney.

1 Answer | Asked in Collections, Health Care Law, Insurance Bad Faith and Insurance Defense for California on
Q: I have been wrongfully charged twice for medical visits and it has caused me a world of trouble, what to do?

I have now been wrongfully charged by a medical department through county services claiming I did not have adequate insurance coverage at the time to cover the expenses incurred.

I have tried unsuccessfully, now this second time around, to explain to them that I did in fact have coverage... Read more »

William John Light
William John Light answered on Nov 25, 2019

You may have claims for violations of the California Fair Debt Collections Practices Act. Contact an attorney to evaluate your potential claims.

2 Answers | Asked in Insurance Bad Faith, Insurance Defense and Medical Malpractice for Georgia on
Q: Am I responsible for a medical bill they never billed my insurance

I received service at a ER in Florida 2017. I gave the hospital my insurance information, they billed my insurance and received payment. However, the ER doctor seems to work independent from the hospital and never billed my insurance. They claimed they sent Bills to me which I never received... Read more »

Priscilla T. Upshaw
Priscilla T. Upshaw answered on Nov 22, 2019

It is not uncommon for ambulatory services to be billed separately from the hospital’s bill. It may be best to contact an attorney who specializes in collection services. You may be able to contact your insurance carrier for other options.

I wish you well.

-The Upshaw Law Firm,...
Read more »

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1 Answer | Asked in Insurance Defense for Georgia on
Q: What should I do?

In 2013 I was involved in a car wreck and was a passenger, the ambulance bill was billed to me and then I faxed to the drivers insurance agency so they could pay for it since it was their fought. Now currently in 2019 the ambulance bill is still in my name unpaid and sitting in collection. The bill... Read more »

Priscilla T. Upshaw
Priscilla T. Upshaw answered on Nov 22, 2019

Your next step should be to consult an attorney immediately. It is in your best interest. We are glad to assist you.

-The Upshaw Law Firm, (770) 240-0922.

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for California on
Q: Insurance company revoked my contract after a small accident, what can i do? More details below.

I had a small car accident a few weeks after getting car insurance. When i did the claim my insurance decided to revoke my contract and cancel my policy. Therefore making it seem like i was uninsured. Me and the other driver agreed for me to pay half of her deductible ($250) to settle it. But now... Read more »

Tim Akpinar
Tim Akpinar answered on Nov 21, 2019

Without seeing your insurance company's correspondence, your application, accident documentation, one can only guess what is happening here. It might be that the other driver wanted to be nice and handle the matter as a first-party claim, after which her carrier's subrogation department got... Read more »

1 Answer | Asked in Divorce, Family Law, Health Care Law and Insurance Defense for North Carolina on
Q: Wife and I are separated. Her employer had open enrollment for insurance. Do I have to carry her on my ins. still?

North Carolina. We have a child together and I will be carrying him on my insurance.

Adam Bull
Adam Bull answered on Nov 21, 2019

Generally yes, until there is a divorce decree or other court order addressing the issue.

1 Answer | Asked in DUI / DWI and Insurance Defense for Arizona on
Q: my friend got tonight arrested because of not pay of his insurance, but i pay for his insurance and something went wrong

his car got towed and he is homeless and he has no money to get his car out

Tim Akpinar
Tim Akpinar answered on Nov 19, 2019

Your friend needs a criminal defense attorney, but none of them saw your post under DUI or Insurance Defense. Maybe in the interest of time, instead of reposting, you could just reach out to criminal defense attorneys you see on this site or through your own searches. Based on your description of... Read more »

1 Answer | Asked in Employment Law and Insurance Defense for Ohio on
Q: On pay stub it ha F-LCBF mean
Greg Mansell
Greg Mansell answered on Nov 18, 2019

It sounds like something your employer put in manually. It is not a standard abbreviation used on paystubs. I would ask you HR department.

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Illinois on
Q: Can my insurance company refuse to give me living expenses before they interrogate me ?

My home was burgularized while i am out of state and my insurer refuses to give me shelter or access to the. Reports to get a contractor to look at the damages. I am asked to complete and sign a pre printed inaccurate sworn affidavit ,send utility bills& travel itenerary. I am still out of town and... Read more »

Tim Akpinar
Tim Akpinar answered on Nov 17, 2019

It looks like something in the investigation of your claim triggered suspicion on the part of your insurance carrier. It would be difficult for an attorney to make a meaningful assessment without investigating the loss and the carrier's handling of the claim in detail. It could be worthwhile to... Read more »

1 Answer | Asked in Car Accidents, Consumer Law and Insurance Defense for Tennessee on
Q: Is there a lawyer that will take my case for theft / unauthorized use of a vehicle?

My daughter stole my car when I was out of town she in fact found my spare key and took my car and wrecked it then she left the scene of an accident I am having a hard time with my insurance as I have stated before she did not have permission and in fact stole my car is there anyone that will take... Read more »

Tim Akpinar
Tim Akpinar answered on Nov 14, 2019

It's up to you, but you could contact an attorney and discuss the matter. Keep in mind that any decisions you make out of anger could haunt your daughter for the rest of her life. Good luck

Tim Akpinar

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Hawaii on
Q: I have a vandalism claim on my vehicle of over $11,000 it has been almost 2 months and they keep stringing me along.

The vandalism was a gas contaminant of regular fuel in a diesel truck. the gas tank was nearly empty at time of occurrence and i have bank statements send the the insurance company of my gas purchases. Recently, they said they need the physical receipt to proceed with the claim, but since they did... Read more »

Tim Akpinar
Tim Akpinar answered on Nov 14, 2019

You've been without the vehicle now for two months. It could make sense to set up a consult with an attorney. If an attorney succeeds in getting past the issues you're currently having with the receipts and is able to make arrangements for an experienced property damage adjustor to investigate the... Read more »

2 Answers | Asked in Insurance Bad Faith and Insurance Defense for Oregon on
Q: My boyfriend who isn’t insured , was hit by a girl who is insured , what can happen to my boyfriend?

My boyfriend is worried because he isn’t insured and he’s scared that he’s going to get in trouble . He’s had a bad headache since then and he doesn’t have health insurance .

Jeff Merrick
Jeff Merrick answered on Nov 14, 2019

There are many things to tell someone who was in an collision caused by someone else.

He should contact an attorney. There are many steps to take right away to preserve and enhance rights. Yes, not having insurance may limit what he can recover from the other side.

Also, he...
Read more »

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2 Answers | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Illinois on
Q: What should I do in my case? How do I get my insurance to cover the damages to my car ?

My auto insurance has denied my claim for property damage and rescinded my policy due to misrepresentation and false warranties.

Charles Candiano
Charles Candiano answered on Nov 11, 2019

If you are correct about your misrepresentations, your insurance is probably within its rights to refuse payment and to cancel you.

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1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Health Care Law for Alabama on
Q: How can insurance companies keep lowering pain management for long term pain mngt patients until quality of life suffers

I had my first spine surgery at age 19 and many more,some botched over the years I turn 50 in a few days. Over the years I've had many pain mngt procedures, medications, and not a whole lot of pain relief. I finally got good pain mngt Dr. approx 16 yrs ago who gradually raised my meds until I felt... Read more »

Tim Akpinar
Tim Akpinar answered on Nov 9, 2019

An Alabama attorney could address your issues best, as insurance is governed by state law. But your question remains open for two weeks. I'm sorry for your pain and frustration here. This sounds like something to take up with your doctor. While the pain management philosophies of your insurance... Read more »

Q: Life insurance claim denied. Cannot appeal due to time and not knowing since my old job was taking care of it.

Life insurance threw job, got fired, claim denied. Talked to old employer about it they said they filed appeal. Talked to insurance , they say old employer didn't file. I got letter from old employer stating that I was denied life insurance due to my husband being on hospice and a check that I... Read more »

Tim Akpinar
Tim Akpinar answered on Oct 29, 2019

I'm sorry for the loss of your husband and this difficult ordeal. There is no simple answer here. As a starting point, you can gather records of all correspondence, including matters concerning the insurance denial, employer's appeal, original application, and everything else you have and summarize... Read more »

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