Insurance Defense Questions & Answers

Q: I was hit extremely hard from the side and was cited a tic for $30, went by ambulance to ER and didn’t give statement.

1 Answer | Asked in Traffic Tickets, Car Accidents, Insurance Bad Faith and Insurance Defense for Virginia on
Answered on Apr 16, 2018
Peter Munsing's answer
Don't give statments until you talk to a lawyer.Call a member of the Va Trial Lawyers Assn--they give free consults.

If you failed to yield you can be given a ticket.

Generally as she was contributorily at fault you can argue to your company she should have a proportional reduction in what she gets.

You paid cash and didn't check to see if it was covered for collision? Sorry, that's likely on you.
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Q: We believe a client has made a fraudulent claim against us about an injury on the property

1 Answer | Asked in Insurance Defense for California on
Answered on Apr 13, 2018
Gerald Barry Dorfman's answer
If you have liability insurance, talk to your insurer about it. They will probably not assign you an attorney until a lawsuit is filed, but should be advising you. If you do not have insurance, you should retain an attorney immediately. Mistakes made early in the process can really come back to bite you later.
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Q: Hi Can any one help in filing insurance claim from Travelers in NJ area ?Please email or call ali@nslship.com 8326701811

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for New Jersey on
Answered on Apr 12, 2018
H. Scott Aalsberg Esq.'s answer
A lawyer cannot contact you, you must contact them. That being said a lawyer can help you in filing an insurance claim but expect to pay that lawyers hourly rate which can range from $300-$1000 per hour depending on the quality of attorney you choose.
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Q: So a girl ran through a red light and hit me, she lied and said she didn't. She had suspended licence.

1 Answer | Asked in Traffic Tickets, Car Accidents and Insurance Defense for Ohio on
Answered on Apr 10, 2018
Peter Munsing's answer
See if there is a camera at the intersection or any business has a camera that captures the intersection. It's where the experession "he said she said" comes from.

But if you weren't at fault, and have injuries, contact a member of the Ohio Assn for Justice--they give free consultations.
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Q: Son snuck out of ex mother-in-law is home and was seriously hurt can I sue her homeowners insurance

1 Answer | Asked in Insurance Defense and Personal Injury for Iowa on
Answered on Apr 7, 2018
Stephen Douglas Lombardi's answer
Maybe. The claim would be failure to properly supervise a minor, assuming your son is still a minor. The claim would be brought by you for medical expense, permanent injury, wage loss (perhaps), reduced earning capacity along with pain/suffering. Of course this answer is so general that it is worthless without more of an evaluation. All we can really do is give you direction - which I think is all you are really asking. Hopefully this answers the question sufficiently.
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Q: I have been served papers for a civil lawsuit I gave copies to my past employer and insurance Co. What do I reply saying

1 Answer | Asked in Civil Rights, Car Accidents, Civil Litigation and Insurance Defense for Texas on
Answered on Apr 5, 2018
Kim Jones Penepacker's answer
As soon as possible, you should hire a personal injury defense attorney to assist you in filing an Answer with the Court. Failure to do so could result in a default judgment being entered against you, which would be a judgment in favor of the Plaintiff(s) that you would likely have to pay. A personal injury defense attorney can help you with the contents of your Answer and explain the consequences for failing to respond in greater detail.
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Q: Can you record a conversation you are a part of without anyone else knowing?

1 Answer | Asked in Consumer Law, Business Law, Civil Rights and Insurance Defense for Missouri on
Answered on Apr 4, 2018
Ronald J. Eisenberg's answer
In Missouri, if two people are on a call, either one can record without the other’s consent.
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Q: Auto insurance covering car fire after auto work done to car..

1 Answer | Asked in Car Accidents and Insurance Defense for North Carolina on
Answered on Apr 4, 2018
Peter Munsing's answer
Your insurance covers the fire pretty much regardless of cause (i.e. won't cover it if caused by war, nuclear plant meltdown and other exceptions). Talk to your agent and don't get into who did what unless asked, Keep it simple. Car caught fire. Why I don't know. That's it.
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Q: Is it legal for an employer to only give 24 hour health insurance paperwork turnaround time? We had no time to look

1 Answer | Asked in Health Care Law, Insurance Bad Faith and Insurance Defense for Washington on
Answered on Apr 2, 2018
Christian Lassen's answer
You can complain to the HR Department
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Q: Is a copy of child's insurance card considered a record in GA?

1 Answer | Asked in Family Law, Child Custody and Insurance Defense for Georgia on
Answered on Mar 27, 2018
P. Justin Thrailkill's answer
Yes. It sounds like your order would require this, as is typical of most parenting plans.
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Q: My policy is in Md I was hit in Ga.Their insurance couldnt find a policy.I have UM but dont have a police report

1 Answer | Asked in Insurance Defense, Personal Injury and Products Liability for Georgia on
Answered on Mar 26, 2018
Peter Munsing's answer
You are required to file a report within 30-60 days under most policies. If it's not over that file one. Second, ask DMV to have the guy's license & tags suspended. If he has a policy that should do it. Last but not least contact a member of the Md. Assn for Justice-they give free consults.
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Q: Can the insurance company of a truck company only pay me 95% for my totaled car if it was their fault?

1 Answer | Asked in Car Accidents and Insurance Defense for Alabama on
Answered on Mar 9, 2018
Peter Munsing's answer
Depends on why--maybe they deducted for "prior damage?" ask for the "valuation sheet"--which explains how they got there.

If you have injuries you need to contact a member of the Ala.Trial Lawyers Assn--they give free consults.
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Q: Who's insurance is responsible when there is an accident? The driver or the owner of the car?

1 Answer | Asked in Traffic Tickets, Car Accidents, Insurance Bad Faith and Insurance Defense for Kentucky on
Answered on Mar 2, 2018
Peter Munsing's answer
Generally as to the other vehicle, the policy covering the car is primary, driver of daughters car secondary.

Daughter needs to see if she got a notice of cancellation. If not, may be able to claim coverage--would have to speak with a member of the Ky Assn for Justice that handles bad faith claims. She also has an injury claims she needs to discuss with that person.
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Q: I was in an accident in tn. The other driver was at fault. I have no insurance. Will his insurance pay for my damage?

1 Answer | Asked in Personal Injury and Insurance Defense for Tennessee on
Answered on Feb 26, 2018
Mr. James Charles Wright's answer
Yes. If the accident was the other driver's fault, and if the other driver had insurance at some point, the other insurer may be liable to pay for your damages.
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Q: I was served summons paper to go to court for fraudulent insurance acts as a class d felony on a first offense what mean

1 Answer | Asked in Criminal Law and Insurance Defense for Arkansas on
Answered on Feb 14, 2018
James E Hensley Jr's answer
You need to hire an attorney right away. There are several on here. Look us up online for additional help.
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Q: Hello, my daughter was born with a cleft lip and gum line. Do we have cause to not pay out of pocket for her surgeries?

1 Answer | Asked in Insurance Defense and Medical Malpractice for Virginia on
Answered on Feb 14, 2018
Rich Nagle's answer
That depends on whether or not there was a breach of medical standards of care. Do you have reason to believe inappropriate care was given? If so consultation with a lawyer to review your claim would be the next step. www.trialhawk.com.
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Q: I was involved In a no fault car accident in a company car on my way from a job. Can I sue my employers car insurance

1 Answer | Asked in Workers' Compensation, Car Accidents and Insurance Defense for Tennessee on
Answered on Feb 11, 2018
Peter Munsing's answer
Contact a member of the Tenn Assn for Justice in the county where the wreck happened. They give free consults. If the company car had uninsured motorist that may do it.
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Q: Involved in an accident. cost are way above insurance limits. Going to be sued. Can they go after my wife also?

1 Answer | Asked in Car Accidents and Insurance Defense for Florida on
Answered on Feb 6, 2018
Andy Wayne Williamson's answer
If the car was titled in just your name only and you were driving the. They can only sue you as you wife’s names is not on the title to the automobile.
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Q: Is va life ins considered part of estate? And what is the beneficary to do?

1 Answer | Asked in Insurance Defense and Probate for Mississippi on
Answered on Feb 3, 2018
Baskin Lowber Jones' answer
The first question to ask is whether there were beneficiaries selected on the life insurance policy. If there were the life insurance proceeds often pass directly to the beneficiaries listed on the policy in the amounts listed.

If there are no surviving beneficiaries, or the form was not filled out the proceeds are often handled as an asset of the estate.

You likely do not have access to the beneficiary form and an attorney may help in the process of getting the form if it is...
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Q: Hi I fell on the property of where I live and the landlord don't have homeowners insurance is it illegal

1 Answer | Asked in Consumer Law, Personal Injury, Insurance Bad Faith and Insurance Defense for Massachusetts on
Answered on Feb 2, 2018
Lillian J. LaRosa's answer
It's not illegal, but it is imprudent.
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