Insurance Defense Questions & Answers by State

Insurance Defense Questions & Answers

Q: Need help

1 Answer | 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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Q: I received a no insurance ticket and I had insurance when is court date set?

1 Answer | Asked in Insurance Defense, Traffic Tickets and Appeals / Appellate Law for Illinois on
Answered on Apr 9, 2017

Because you were insured at the time, you should obtain proof of insurance from the date of the ticket by calling your insurance company. A motion should be filed to bring the case back in front of a judge to show proof of compliance and ask that the ticket be dismissed. An attorney can assist you with this process or possibly handle it on your behalf.
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Q: Removing son in law from Geice car insurance

1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Consumer Law for New York on
Answered on Mar 27, 2017

Review your situation and insurance contract 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. You can read more about me, my credentials, awards, honors, testimonials, and media appearances/ publications on my law practice website. 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...
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Q: Do I only need to contact insurance adjuster and in what amount of time to not have my claim permanently closed?

1 Answer | Asked in Insurance Defense and Personal Injury for Maryland on
Answered on Mar 15, 2017

This question is difficult to answer without context. A claim would be permanently closed if you signed a release, if your claim went to trial and no appeal was taken, or, if 3 years had elapsed without your filing a lawsuit from the date of personal injury. You also mentioned you need to find an attorney. If you are represented, of course you should direct all questions to him or her. If not, you need to consult immediately with a seasoned personal injury lawyer.
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Q: I'm being sued for an accident that happened in 2013 according to lawyer client was injured. I filed for Chapter7 in2015

3 Answers | Asked in Bankruptcy, Personal Injury, Civil Litigation and Insurance Defense for Florida on
Answered on Mar 11, 2017

A person who is injured in an auto accident can file a suit within 4 years. You need to notify your insurance company immediately and provide the insurance company a copy of the lawsuit.

Your bankruptcy could bare the lawsuit however you would have to if included this claim in the bankruptcy in order for it to bar this lawsuit. Based upon your statements it sounds like you did not include this lawsuit or the underlying claim in your bankruptcy.

Get the lawsuit to your insurance...
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Q: Can my insurance deny my claim ?

1 Answer | Asked in Car Accidents, Civil Litigation and Insurance Defense for California on
Answered on Mar 10, 2017

Your question is loaded with issues, but not a lot of background information about the claim itself.

The short answer is: it depends. What kind of claim did you make? For car repairs? Something else?

Insurance policies have many parts to them. There are first the insuring clauses. Claims get made under specific parts of a policy. There's the liability part; there's the part which insures you, your family and others who may use the car with permission. There's the part which...
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Q: Can an insurance company deny a claim so insurer can fix the damage themselves to avoid paying the deductible?

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for California on
Answered on Mar 6, 2017

Are the repairs you're being asked to make your contractual duty to the HOA, and are such repairs logically required to be completed so that the roof can be fixed? Or is there no physical causal connection between the two? 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...
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Q: Can I get copies of interactions between my attorney and the insurance company, from attorney?

1 Answer | Asked in Insurance Defense and Personal Injury for Maryland on
Answered on Mar 3, 2017

Absolutely. You have a right to all communications between your lawyer and anyone else relevant to your case. While a telephone call should suffice, I suggest you send a letter or an email to your attorney making the request.
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Q: Can an auto insurance company make you pay more than your deductible after a wreck?

2 Answers | Asked in Insurance Bad Faith, Insurance Defense and Car Accidents for California on
Answered on Feb 16, 2017

Were you found to be at fault? Did your insurance coverage apply to your liability? 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. I practice law in CA, NY, MA, and DC in the following areas of law: Business & Contracts, Criminal Defense, Divorce & Child Custody,...
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Q: what to do when someone steals your half of life insurance policy

1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Probate for Arkansas on
Answered on Feb 15, 2017

Contact some lawyers and hire the one you like best. Many offer free initial consultations. Good luck.
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Q: IF AN INSURANCE COMPANY ADDED AN "EXCLUDED DRIVER" TO SOMEONE'S POLICY.. WITH THE WRONG NAME, BIRTH DATE, & RELATIONSHIP

1 Answer | Asked in Personal Injury, Traffic Tickets, Car Accidents and Insurance Defense for Texas on
Answered on Feb 7, 2017

If the excluded driver wasn't driving they can't get all technical when the crash happens. Makes sense to talk to a member of the Texas Trial Lawyers who handles bad faith. In the meantime, confirm what they are doing--that they agree the car was driven by the person who had the policy; that it was paid as of date of crash; that it is a coverable event; that they are chosing not to cover it. Then send them a confirming letter. Then go to the office of consumer affairs of the insurance...
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Q: My vehicle was stolen, do i need an attorney present to be examined under oath by insurance attorneys at their office

1 Answer | Asked in Insurance Defense and Consumer Law for California on
Answered on Feb 5, 2017

It's a good idea to have 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. You can read more about me, my credentials, awards, honors, testimonials, and media appearances/ publications on my law practice website. 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 does not constitute...
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Q: I don't currently own the home but was robbed. Is homeowners going to cover it since I don't actually rent from anyone

1 Answer | Asked in Real Estate Law, Criminal Law and Insurance Defense for Indiana on
Answered on Feb 5, 2017

Check the homeowners policy for coverages and exclusions. That is controlled by contract. Your first call should be to the insurance agent.
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Q: A lady ran a stop sign and caused an accident with her husbands car but he told insurance she didn't have permission to

2 Answers | Asked in Car Accidents and Insurance Defense for Pennsylvania on
Answered on Jan 31, 2017

Unfortunately you will need to consult legal counsel. There are numerous questions: Is the wife living with husband, Is she named under the liability policy, What was her purpose in driving his care, what is their history.
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Q: Can I be held liable for my 18 year olds auto accident, car and insurance in his name?

1 Answer | Asked in Personal Injury and Insurance Defense for Ohio on
Answered on Jan 28, 2017

Generally you aren't responsible for your kids in that regard unless the car was in your name and you lacked adequate coverage. If it's his name and lacked adequate coverage he might be able to get additional coverage on yours but that's not tooo likely the way policies are written now.
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