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Insurance Defense Questions & Answers
1 Answer | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for California on
Q: Is there a standard minimum you can expect to get from an insurance company from a minor hit and run accident?

A year ago I was in a minor hit and run accident. I had to see a chiropractor and was out of work for a few weeks. I went straight to the emergency room, so I also had a doctor bill. Mercury insurance has had a claim specialist working on this for a while now, they just got back my medical bill,... Read more »

John Karas
John Karas
answered on Feb 4, 2023

Consult with a lawyer in your area. You don't make any mention of loss of earnings (LOE) so that might another component of your claim.

2 Answers | Asked in Consumer Law, Collections and Insurance Defense for Kentucky on
Q: Is this a possible lawsuit?

I was force placed insurance on my truck that ive had insurance on since day one. They told me there was a lapse and my truck payment went from $400 a month to over $800 a month. I sent proof of insurance and they ignored me and dodged my calls for a week. I finally got ahold of them and they said... Read more »

Joel Gary Selik
Joel Gary Selik
answered on Feb 4, 2023

Yes it is a possible lawsuit. You should consult with an experienced attorney in consumer rights.

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1 Answer | Asked in Criminal Law, Insurance Defense and Wrongful Death for California on
Q: Is there a way I can sue my cousin for possibly causing a money fraud with my fathers death?

My cousin quickly took it in his hands to find the funeral services for my father when he passed. Claimed to pay for all expenses. But he told the mortuary that my father had no children and had an uncle sign papers. I found this out myself and changed the papers. He then insulted my mom and I, and... Read more »

Dale S. Gribow
Dale S. Gribow
answered on Feb 1, 2023

you can always sue anyone for anything.......

the issues are will you win and can you find a lawyer that will gamble with you rather than asking for a retainer for hourly representation?

check his phone book/contacts for lawyers to try to find the one that prepared the will....
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1 Answer | Asked in Insurance Defense for Tennessee on
Q: My home owners is canceling my policy because I had two claims 6 months apart. I have had this insurance approximate 4y

Is that legal. Its paid.

Anthony M. Avery
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Anthony M. Avery
answered on Jan 31, 2023

If a denial of claim is asserted, then you might consider an Insurance Bad Faith Refusal Action.

1 Answer | Asked in Contracts, Insurance Bad Faith and Insurance Defense for Missouri on
Q: i got a certified letter to do a statement under oath from my car being vandalized. the date of loss is incorrect

the letter was from the attorny that is representing my insurance company. it has all the details like policy number ,date of loss which is incorrect. they are a month off

Ronald J. Eisenberg
Ronald J. Eisenberg
answered on Jan 30, 2023

What’s your legal question? Letter from whom?

1 Answer | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Arizona on
Q: what should i do if i havent made a payment towards my car insurance and my car caught fire

my card on file was on auto pay, i received a new card and didnt notice the insurance hadnt been paid. i never received any form of notice informing me the payment was declined. resulting in the cancellation of my insurance.

John Michael Frick
John Michael Frick
answered on Jan 22, 2023

If your insurance was canceled due to nonpayment of the premium, you’re going to have to pay for the repairs or buy a new car out of pocket. I wouldn’t expect insurance to cover it.

1 Answer | Asked in Personal Injury, Car Accidents and Insurance Defense for Washington on
Q: I am a defendant in a lawsuit. I was served a package of papers today. I am on a time schedule. The papers tell me to

I am a defendant in a lawsuit. I was served a package of papers today. I am on a time schedule. The papers tell me to contact an attorney immediately. I need to find an attorney. How?

Steve Dashiak
Steve Dashiak
answered on Jan 11, 2023

There isn't enough information here to give a full answer. One critical fact would be what type of lawsuit this is. Based on the categories you've selected, I am presuming you are being sued for injuries stemming from a car accident for which you were at fault.

If that's the...
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1 Answer | Asked in Insurance Defense for Michigan on
Q: I have a hearing in michigan for no proof of auto insurance and no registration. I had insurance, so will be thrown out?

I got pulled over without proof of insurance and no registration. I however just got insurance that morning so if I bring my proof to court. Will they just throw my case out?

Brent T. Geers
Brent T. Geers
answered on Jan 5, 2023

You have (had) 10 days to bring proof of insurance. The registration is a different matter.

1 Answer | Asked in Car Accidents and Insurance Defense for California on
Q: Car accident my insurance company sent this if I had something can I gift it DeclarationOfNoliabilty insurance&No asset

The insurance company sent it to me, I’m assume the document says I dont have assets.

If I do can I gift it away, is their anything I can do?

Tim Akpinar
Tim Akpinar
answered on Jan 4, 2023

A California attorney could advise best, but your question remains open for a week. One option is to consider discussing this with an attorney more thoroughly than is possible in the brief format of a Q & A forum. An attorney could review the terms of the insurance company's document, your... Read more »

1 Answer | Asked in Insurance Defense and Personal Injury for Texas on
Q: The third party insurance, paid my medical bills without ever contacting me I never signed anythingIs that normal?
John Michael Frick
John Michael Frick
answered on Dec 30, 2022

In my professional experience it is not "normal." But it's very wise, and I have recommended it before.

In many instances, it is simple the "right" thing to do based on the facts and circumstances of the case. Paying an injured party's medical bills without...
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1 Answer | Asked in Business Law, Contracts and Insurance Defense for Ohio on
Q: House was damaged while under contract and lost value in sale, can home insurance company be held liable?

While under contract for sale, pipes froze and burst causing extensive damage (we had already relocated so it was not caught immediately.) The buyer went through with the sale but at a $25k reduction in price. Can I ask my home insurance company to compensate me for this loss in value?

Joseph Jaap
Joseph Jaap
answered on Dec 30, 2022

Whoever owned the home at the time of the damage turns in a claim to their insurance company.

1 Answer | Asked in Car Accidents, Health Care Law and Insurance Defense for Colorado on
Q: Hi my friend used to drive an ambulance, while driving in accident getting sued what kind of lawyer is needed, Colorado

Hi my name is Mary and I am a resource navigator I have a client who needs a lawyer but I am unsure what kind of lawyer to help her find. She is 19 and used to drive an ambulance, while driving she was in an accident she just was served stating she and the ambulance company is being sued. What... Read more »

Tim Akpinar
Tim Akpinar
answered on Dec 28, 2022

A Colorado attorney could advise best, but your question remains open for two weeks. It sounds like your friend needs an insurance defense attorney. Occupants of the other vehicle are apparently making a claim for bodily injury or property damage, or both. She should make a copy of the papers she... Read more »

1 Answer | Asked in Insurance Defense for Ohio on
Q: My grand mother has been paying house insurance premiums for 10+ years, now she’s told the insurance never even hit

Lapse in policy change 9yrs ago and she was never notified of any lapse or lack of home insurance. Progressive says they can’t locate the original policy and won’t back pay her or give her the insurance she’s paid for 9yrs straight.

Nicholas P. Weiss
Nicholas P. Weiss
answered on Dec 22, 2022

You likely have a bad-faith claim against your insurer. They cannot both take the money under the policy and claim that there is no enforceable policy.

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for South Carolina on
Q: Should I reach out to a lawyer? Mother had life insurance but she unalived herself. They are requesting police report.
Roy Willey
Roy Willey
answered on Dec 20, 2022

So sorry to hear about your mother. Yes, you should reach out to a lawyer to review the life insurance contract.

1 Answer | Asked in Personal Injury and Insurance Defense for South Carolina on
Q: in S Carolina. A large construction equipment rental co rents out 34ft lift. Improper maintenance caused bodily injury.

In South Carolina. A rental company of construction equipment with 3 locations rents out a unit that causes bodily injury. Due to injury is tooth loss and damage to teeth. Prosthodontist all have payment due at time of service. To obtain proper treatment how can you obtain the rental companies... Read more »

Roy Willey
Roy Willey
answered on Dec 15, 2022

They are not required to provide you the insurance limits before a lawsuit is filed. After a lawsuit is filed on your behalf you could get them through the written discovery process.

1 Answer | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Texas on
Q: Do insurance companies have the right to hire an attorney to defend the insured against liability claims?

If liability is disputed in intercompany arbitration will the insurance company notify the insured of the arbitrators decision?

John Michael Frick
John Michael Frick
answered on Dec 9, 2022

In a typical automobile liability insurance policy, the insurance company has both the right and the duty to defend the insured driver.

It is not typical in intercompany arbitration for the insured to be notified of the award

1 Answer | Asked in Personal Injury, Wrongful Death and Insurance Defense on
Q: I am sued for personal injury, property Damage, wrongful death, but no one died. What can I do if I was at no fault?

House was being auctioned for tax Lien , branch broke by an act of god which hit power line and pulled metal pole down. The pole landed on a vehicle in which supposedly someone was struck (this did not happen on my property). The wound (which was 1cm in length) was adressed with dermabond then... Read more »

Michael Jonathan Sabbeth
Michael Jonathan Sabbeth
answered on Nov 21, 2022

I'm very sorry to hear about your predicament. The best thing you can do is to inform the insurance company that insured your house/the property at the time of the injury. Typically, they will handle the defense of the case, even hiring and paying for a lawyer to defend you. I hope this is... Read more »

6 Answers | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for California on
Q: What type of lawyer would handle disputes with insurance companies over car accident involving a fatality?
Dale S. Gribow
Dale S. Gribow
answered on Nov 22, 2022

a car accident lawyer, referred to as a Personal Injury Attorney.

call one local, though.

if there is an injury, and you were not at fault, most of us would accept the case on a contingency fee. That means the lawyer will only take a percentage of what he/she gets.

absent a...
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2 Answers | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for California on
Q: My car insurance company asked me to get an attorney because I have a claim against me in a fatal car accident.

My insurance company had already found me 100% liable without the chp report being released

What type of lawyer handles this type of case?

Neil Anapol
Neil Anapol
answered on Nov 15, 2022

Its not clear what you are asking. Your insurance company has a duty to defend (retain a lawyer on your behalf) and indemnify you (pay any settlement or judgment up to the policy limit). If your insurance company is disputing coverage, you need an attorney who specializes in handling insurance... Read more »

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1 Answer | Asked in Insurance Defense for Louisiana on
Q: I am awaiting a lump settlement from a company’s insurance carrier. Can I sue company after for the rest of damages?

Water damage resulted in mold and remediation and treatment that the company’s insurance doesn’t cover; so need to know if I can do a petition for damages against the company after settling with their insurer.

Tim Akpinar
Tim Akpinar
answered on Nov 10, 2022

A Louisiana attorney could advise best, but your question remains open for two weeks. To receive the lump sum payment, chances are fairly good that the insurance company had you sign a release. If that was the case, the release would have served to let the company off the hook for all further... Read more »

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