Insurance Defense Questions & Answers

Q: I need some help

1 Answer | Asked in Insurance Defense for Tennessee on
Answered on Apr 17, 2019
Timur Akpinar's answer
Part of your question may have gotten left off. You could try to repost it.

Tim Akpinar

Q: Should I accept this offer from the insurance company, or should I get more money?

2 Answers | Asked in Contracts, Insurance Defense and Car Accidents for Michigan on
Answered on Apr 16, 2019
Bruce Alexander Minnick's answer
This is a perfect example why non-lawyers should never agree to do anything important when offered by a complete stranger--over the telephone? Really? There may still be time for you to extract yourself from the clutches of this uncaring insurance company--if you call a lawyer and ask for help. Do it today.

Q: Under Insurance contracts required to conform to cal statues change insurance contract exclusion provision of ownership

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for California on
Answered on Apr 10, 2019
William John Light's answer
No one can answer without reading the policy, knowing the facts underlying the claim, and reading the declination letter from the insurer. However, "actual ownership" under the meaning of the policy is probably the meaning set forth in Vehicle Code 5600(a).

A beneficial owner is occurs where property rights ("use and title") in equity belong to a person even though legal title of the property belongs to another person. Black's Law Dictionary (2nd Pocket ed. 2001 pg. 508); Willard H....

Q: In the state of Tennessee if you have an insurance policy full coverage on financed vehicle it lapses is that insurance

1 Answer | Asked in Insurance Defense for Tennessee on
Answered on Apr 1, 2019
Anthony Marvin Avery's answer
The Insurance Company will usually notify the Lienholder of a Policy lapse. If the Policy is SR-22, then the Insurance Company will probably notify the Department of Safety and everybody else. Usually there is a short grace period.

Q: I am looking to hire a vacant business property for two weeks. What insurance do I need? What do I need in writing?

1 Answer | Asked in Contracts, Insurance Defense and Land Use & Zoning on
Answered on Apr 1, 2019
Bruce Alexander Minnick's answer
I do not know where you live, but I can tell you that it is impossible to "hire a vacant business property" in Florida.

If you mean to say you are renting a business property then I advise you to do everything in writing. Regarding the need, vel non, for insurance, no one can answer that question without knowing what kind of business you are planning to do.

Q: Is there such a thing as cancellation remorse. We cancelled our life insurance on phone but now regret it.

2 Answers | Asked in Consumer Law and Insurance Defense for Missouri on
Answered on Mar 23, 2019
Ronald J. Eisenberg's answer
Most likely not. Read the policy to see if addresses cancellation.

Q: How can i retrieve property that has been turned over to the state Escalator?

3 Answers | Asked in Intellectual Property and Insurance Defense for Florida on
Answered on Mar 22, 2019
Griffin Klema's answer
This is not an intellectual property question (or insurance defense), but rather a personal property issue. It's unclear from your question what you're referring to. State Spectator? I've never heard of such a thing. Maybe ask the insurance company that sent you the letter what to do?

Q: Is there any way to get justice for a fender bender the person in front is at fault

1 Answer | Asked in Car Accidents and Insurance Defense for North Carolina on
Answered on Mar 18, 2019
Peter N. Munsing's answer
First,contact a member of the NC Assn for Justice--they give free consults. Second, do not discuss this further on this page or any page, or facebook etc.

Yours is a very tough case----in part because while she is careless if she came to a complete stop that early, you have to leave enough room that she can stop "within the assured clear distance ahead, " in other words assuming something came into the path of the driver in front, a speed that still lets you stop if the driver in front...

Q: What happens if you dont have insurance and are at fault for an auto accident?

3 Answers | Asked in Car Accidents, Insurance Defense and Personal Injury for California on
Answered on Feb 24, 2019
Theodore Allan Greene's answer
If she was at fault like you say then you really need to find out how much damage was done to the other car and find out if anyone was hurt. That will determine her financial liability. The fact that the other party got an attorney means the other person most likely was injured. If the other party did not have insurance then it limits what they can go after your niece for. If the above is more than she can reasonably pay then she should consider filing Bankruptcy.. But wait until you have clear...

Q: My outside air conditioning unit caught on fire & was put out by the fire department. No one knows what caused it.

1 Answer | Asked in Products Liability, Insurance Bad Faith and Insurance Defense for Florida on
Answered on Feb 14, 2019
Timur Akpinar's answer
If the manufacturer agrees to replace it, then it would seem there is no longer a loss for insurance to cover. If you choose the insurance company's payment, you have the deductible to consider. Insurance carriers will offset their payments, or choose not to issue payment, if a loss is already covered by another source. If you have reservations about the terms of the release, you could consult with a Florida attorney.

Tim Akpinar

Q: i put insurance the next day after getting pulled over without it and can it lower the charges

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for New Jersey on
Answered on Feb 9, 2019
H. Scott Aalsberg Esq.'s answer
For a First Offense No Insurance charge, you face the loss of your license for one year, community service to be determined by the court and a fine between $300.00 and $1,000.00.

For a Second or Subsequent Offense you face a fine of up to $5,000.00 and imprisonment (jail) for 14 days and 30 days

community service plus 2 year loss of your drivers license

The period of license suspension may be reduced or eliminated if the person provides the court with satisfactory...

Q: i got a tickets for driving without insurance and what are the fines

2 Answers | Asked in Insurance Bad Faith, Insurance Defense and Traffic Tickets for New Jersey on
Answered on Feb 8, 2019
H. Scott Aalsberg Esq.'s answer
For a First Offense you face the loss of your license for one year, community service to be determined by the court and a fine between $300.00 and $1,000.00. I suggest setting up one of the free in office consultations that most of us lawyers offer and then hire one.

Q: Can an insurance company deny coverage if the driver was unauthorized?

2 Answers | Asked in Insurance Bad Faith, Insurance Defense and Car Accidents for Massachusetts on
Answered on Feb 7, 2019
Peter N. Munsing's answer
Unless her son stole it he would be authorized. Its baloney. Suggest you provide estimates for repair, file a complaint with the insurance commissioner. Depending on the nature of the denial you may have claims under

Sec. 93 A of the MGL.

Q: If an individual travereses on frozen water, do they do so at their own risk?

1 Answer | Asked in Personal Injury, Civil Litigation, Insurance Defense and Municipal Law for New York on
Answered on Feb 4, 2019
Peter N. Munsing's answer
First, don't put you email up ---ask Justia to take it down.

I'm not hearing any specific facts in your situation. As a general rule a person chosing their route is responsible for it's safety. Unless there is a need to go across frozen water they would be harmed. Look at the Restatement of Torts Sec 343 and NY cases cited.As to state agencies, they are governed by the Tort Claims Act. If you have a case, contact a member of the NY State Trial Lawyers Assn.

I fyou are trying...

Q: Will the insurance company rebuild my home or just use the money to payoff a claim?

3 Answers | Asked in Insurance Defense, Bankruptcy and Personal Injury for Texas on
Answered on Feb 3, 2019
Rahlita D. Thornton's answer
You should consult an attorney who handles property damage casualty claims or bad faith claims by insurance companies. More facts need to be elicited. But, in general your insurance company has a duty to act in good faith on your behalf. A lot of times the insurance companies do not look out for their insured's interest first. Even if you do not hire an attorney ask the insurance company to keep you updated with any settlement negotiations with the other individual whom you may have a duty...

Q: what rights do I have if insurance wants to stop paying me disablity. I have been disabled since 1999.

2 Answers | Asked in Insurance Bad Faith, Insurance Defense and Elder Law for Maryland on
Answered on Jan 31, 2019
Mark Oakley's answer
You need to look at the provisions of the disability insurance policy or plan under which benefits are being paid in order to ascertain what rights they and you have, and what medical standards apply to your situation. You may want to have your own doctors draft a report based on your current condition which supports continued benefits under the standard for disability. There are lawyers who handle insurance claims, and you can also contact the Maryland Insurance Commissioner to file a...

Q: My mom owned a cosmetology school. It was under a LLC. The business closed, and the students had to transfer....

1 Answer | Asked in Business Law, Insurance Bad Faith and Insurance Defense for Maryland on
Answered on Jan 29, 2019
Arnab Kumar Banerjee's answer
i need some more information. what are the terms of indemnity agreement your mother signed ? are they hold her liable ? can you share me the indemnity contract ?

without knowing the exact terms i cannot give you any advice.

Q: My daughter was rear ended. Other driver was charged. Their insurance is investigating whether to pay or not.

2 Answers | Asked in Civil Litigation and Insurance Defense for Virginia on
Answered on Jan 22, 2019
F. Paul Maloof's answer
I regret that I do not handle car accident or car insurance claims. Sorry.

Q: I co-signed for my 21 year old daughter's car and she keeps missing payments. I am the main borrower on the loan.

1 Answer | Asked in Insurance Defense for Ohio on
Answered on Jan 13, 2019
Matthew Williams' answer
You don’t have to provide her with insurance but just not paying for it knowing she’s going to drive isn’t the best plan. First, it won’t get you off the hook for the loan. Second, it won’t cause the financing company to repossess the car. Third, if she wrecks without insurance, she could wind up so deep debt that she will never be able to be fully independent.

Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.

The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.

Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.