Insurance Defense Questions & Answers by State

Insurance Defense Questions & Answers

Q: What to expect for an Examination under Oath?

1 Answer | Asked in Insurance Defense, Car Accidents, Consumer Law and Insurance Bad Faith for Kansas on
Answered on Nov 15, 2017

They will try to get him to say he torched it--which is dumb because replacement costs more. Contact a member of the Ks Assn for Justice who handles "bad faith" claims --they give free consults.
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Q: Is the owner of an insured vehicle involved in an accident in Indiana, which he loaned to a friend, liable for damages

1 Answer | Asked in Car Accidents and Insurance Defense for Indiana on
Answered on Nov 14, 2017

The simple answer is YES, generally through his or her insurance.
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Q: Who is responsible in case of an accidental apartment fire?

2 Answers | Asked in Contracts, Real Estate Law, Insurance Defense and Landlord - Tenant for Michigan on
Answered on Nov 13, 2017

I would look more closely at the lease. You may be responsible to return the property undamaged at the conclusion of the lease. That clause, I suspect, imposes liability on you. Sorry to not have a favorable answer. Were the fire to have been the fault of the equipment supplied by the landlord, you would have a better case, but that’s not the cause of the fire from your version.
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Q: Where can I find the factual information on Diminished Value & it's relevancy to insurance claims in New Mexico?

1 Answer | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for New Mexico on
Answered on Nov 11, 2017

I believe I suggested if you were hurt contact a member of the NM Assn for Justice--they'll give you a free consult. Why not ask your own insurance or AAA?
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Q: What can you do, what do I do?...

1 Answer | Asked in Criminal Law, Traffic Tickets, Car Accidents and Insurance Defense for Florida on
Answered on Nov 9, 2017

Absolutely no way to say without reviewing the case file. Since you have a Hearing date already set. You need to get offline and into an attorney’s office ASAP and hire an attorney to look into all of this and start getting it corrected.

Good luck.
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Q: I have car insurance and was driving for Uber until I’ve been told I need commercial insurance. Uber insures my car for

1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Consumer Law for Florida on
Answered on Nov 6, 2017

The short answer is that you need commercial coverage if Uber requires it.
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Q: I got pulled over ,and ticket for no proof of insurance . I

1 Answer | Asked in Civil Litigation, Insurance Defense and Traffic Tickets for Florida on
Answered on Nov 6, 2017

Likely no, but can’t say based upon the limited information posted here. I suggest that you get it done ASAP.
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Q: What happens if you have court for no insurance and still have not gotten insurance on a car ? Had insurance but expired

1 Answer | Asked in Insurance Defense and Traffic Tickets for Missouri on
Answered on Nov 4, 2017

Make sure you go to court and tell the judge that you are still working on getting proof of insurance. Ask the judge for a continuance of the court date to give you more time to get proof of insurance. The judge will grant the continuance and you will most likely get a new court date that will give you another 30 days to resolve this.

You can bring proof of insurance to the judge and ask them to dismiss the ticket, but the judge might not dismiss the ticket if the car really was not...
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Q: Received citation for "No Insurance" but I have insurance. Do I still have to pay citation? If not, how do I fight it?

1 Answer | Asked in Insurance Defense and Traffic Tickets for North Carolina on
Answered on Nov 3, 2017

When you allowed the lapse to happen, DMV decided to slap your hand as a reminder not to do that by charging you a fee.

When you forgot to pay the DMV fee, DMV decided to spank you a bit harder and suspended your tag. Because the fee and subsequent suspension were due to a lapse in insurance, the charge of no insurance is proper even though you may have fixed the lapse prior to getting the ticket So you are absolutely right - you didn't do anything wrong other than forgetting to pay...
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Q: Fiancee's grandma quit claim deedeed house to us and herself and passed a week later...

2 Answers | Asked in Estate Planning, Real Estate Law and Insurance Defense for Michigan on
Answered on Oct 31, 2017

This may or may not actually be required depending on how the deed was written and recorded (was it done by an attorney or did someone go on the internet and ineffectively 'try' to do this on their own?) HOWEVER, if indeed you do need to open an estate, you need to petition the Probate Court in the county where grandmother lived with the death certificate, relevant documents and the like and then have someone with priority (usually a spouse or adult child if there is no will, but grandchildren...
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Q: My girlfriend works for a small business and the owner is delaying giving her insurance after her 90 days

1 Answer | Asked in Contracts, Employment Law and Insurance Defense for Florida on
Answered on Oct 31, 2017

Your girl friend needs to consult with an employment law attorney in your area. She can use the find a lawyer feature of this site to locate an employment law attorney in the Bradenton area.
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Q: Speeding 15 over and had expire insurance. What do I do.

1 Answer | Asked in Criminal Law, Insurance Defense and Traffic Tickets for Illinois on
Answered on Oct 30, 2017

Go to court at the designated date and time. When your case is called, come forward and have your proof of insurance available. Hear the offer they make and hope it's court supervision on both tickets.

if not on both then on the no insurance for sure. if you do not get supervision on that one you will be suspended for a year and cannot apply for any driving relief.

The judge is required by court rules to explain the procedure before the hearing starts (there will be other...
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Q: Car was in an accident now the person at faults insurance company refuses to fix damages. What do I do?

2 Answers | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Tennessee on
Answered on Oct 19, 2017

You may have to bring a lawsuit against them to make the insurer pay for the damage. You can turn the claim in to your insurer to have the car repaired and your insurer may pursue the other company as well as your deductible.
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Q: Considering that a homeowner's insurance policy provides a "defense" in Superior Court to a DEFENDANT, even if the...

1 Answer | Asked in Real Estate Law, Civil Litigation, Insurance Bad Faith and Insurance Defense for New Jersey on
Answered on Oct 18, 2017

You are mixing up two different elements : Insurance / fraud and trespassing / nuisance, etc. To make specific response, please elaborate your question and split them accordingly.
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Q: My driving record shows "supervision" for a ticket. Can my car insurance raise my premium?

2 Answers | Asked in Insurance Defense and Traffic Tickets for Illinois on
Answered on Oct 17, 2017

The insurance company will not see supervision on the general abstract. That only shows up on court purposes abstract.
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Q: I just lost my home and everything I own due to the wildfires in Santa Rosa. Insurance company is asking for a lot!

2 Answers | Asked in Insurance Bad Faith and Insurance Defense for California on
Answered on Oct 13, 2017

Unfortunately, that won't do it, although you may be able to handle the necessary paperwork in a way that takes a lot less time than you anticipate. The amount of coverage really doesn't determine the amount of your claim, except to put a cap on it. Of course, if you have $400K in coverage, own the home outright, and can demonstrate the value of the home vastly exceeds the policy limits, that could work. Then, you would not have to bother with a contents claim. So sorry for your loss.
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Q: I live in pa, I was in accident and was my fault. the insurance company is threatening to sue, what can I do?

2 Answers | Asked in Car Accidents and Insurance Defense for Pennsylvania on
Answered on Oct 12, 2017

A public defender is only for criminal cases. It sounds like you should consult with a bankruptcy lawyer, who could advise you if personal bankruptcy is the route to go.
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Q: My son had a bad car accident. It was documented that he was attempting suicide at the time. The insurance co wont pay.

1 Answer | Asked in Car Accidents and Insurance Defense for New Jersey on
Answered on Oct 10, 2017

A lawyer would need to review your insurance policy to tell you what your rights are under said insurance.
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Q: Who pays insurance claim for a minor that was in an accident?What happens when the minor becomes 18 & claim isn't paid 4

1 Answer | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for South Dakota on
Answered on Oct 9, 2017

The parents are technically responsible.You may want to pay it if you can. Start by figuring what the bill was (I'm assuming you are at fault because you say so). If you pay you want a release of all claims.
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Q: Ex-girlfriend got a dui and hit multiple parked cars with my car and under my insurance

1 Answer | Asked in Car Accidents and Insurance Defense for Nevada on
Answered on Oct 9, 2017

You need to talk to a bankrupcty attorney --look for a member of the NACA --go to

Ask your insurance company to divide up the payments and get releases.

Look at your policy. Do you have homeowners? Check and see if that covers any excess liability.

If you get sued you need to name the girlfriend under a "third party claim." That's the only way to hold her responsible.
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