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Insurance Defense Questions & Answers
1 Answer | Asked in Car Accidents and Insurance Defense for Michigan on
Q: Q: Can I be sued in the event that a leased vehicle I cosigned for Is involved in an accident?

I will be cosigning for a lease vehicle for someone who has a poor credit score.

MY name will appear on the vehicles registration with the owners. This individual will be carrying their own and only auto insurance on the vehicle.

Macomb, MI

Peter N. Munsing
Peter N. Munsing answered on Jan 20, 2020

Usually only the driver is sued; if you cosigned you aren't necessarily a registered owner. If you are, you need to make sure insurance is on that vehicle.

1 Answer | Asked in Insurance Defense for Florida on
Q: HELP! Subrogation defense case??

I was involved in an accident where I struck the corner of a trailer (not the vehicle) and the two occupants in the vehicle (not the policyholders) are now claiming bodily injury. At the scene of the accident, they said they were not injured and they resumed work following the accident. GEICO is... Read more »

Terrence H Thorgaard
Terrence H Thorgaard answered on Jan 10, 2020

Do you have insurance? If so, contact you insurance company immediately and get them to take care of it.

I find it hard to believe that they are asking that you pay $50 per month on a $400 k claim. that wouldn't be a drop in the bucket; you'd never pay it off at that rate.

1 Answer | Asked in Consumer Law, Insurance Bad Faith, Insurance Defense and Real Estate Law for Illinois on
Q: what can I do if my mortgage company doesn’t pay my homeowners insurance?

I escrow my homeowners insurance and my mortgage company didn’t pay my homeowners insurance and now I have a leak in my kitchen. I tried resolving the issue with my mortgage company but they are not being responsive. What can I do? They still have not paid my homeowners insurance and have not... Read more »

James G. Ahlberg
James G. Ahlberg answered on Jan 10, 2020

Gather all the paperwork involving your situation and take it to an attorney. It's likely the mortgage company can be persuaded to do the right thing, or sued if they don't.

1 Answer | Asked in Insurance Defense and Personal Injury for Indiana on
Q: the person was in the wrong and I went to the hospital with injuries I went for 12 weeks of therapy

I had my hand operated on lost 30% I have a spine problem also

Tim Akpinar
Tim Akpinar answered on Jan 5, 2020

There wasn't a question here, but your post remains open for two weeks. If you're wondering what your rights are or how to pursue them in a legal action (you already realize the other party is at fault), you could contact an Indiana attorney to discuss your matter. If you already have an attorney,... Read more »

1 Answer | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Alabama on
Q: You I had a guy rear end me at a red light and it was the guys fault well now his Insurance company is leaving me stuck

His insurance company got me a rental car and now I was informed I have to return it tomorrow. Their garage totaled out my car now they say the check for the van has to be paid to this shady lien holder so now I’m going to be stranded and no money. I’m disabled and I don’t get money until the... Read more »

Tim Akpinar
Tim Akpinar answered on Jan 5, 2020

I'm very sorry that all these things are happening to you on top of the recent loss of your husband. Unfortunately, when it comes to rentals, the allowances are strictly monitored. Once a check is cut, or once a determination of damage is made, that's about the end of the line for the rental.... Read more »

1 Answer | Asked in Consumer Law, Health Care Law, Insurance Bad Faith and Insurance Defense for Pennsylvania on
Q: Is there anything I can do to at least reduce the bill?

My insurance dropped me because I “make too much money” but I never received the notice they said the mailed me. So I had gone to the ER and now I have a $4000 hospital bill. The insurance company said I can’t file a complaint because I am no longer insured under them and the insurance... Read more »

Elizabeth Tarasi
Elizabeth Tarasi answered on Jan 1, 2020

The hospital should have a process where you can apply to have the bill reduced. Call the hospitals billing department

1 Answer | Asked in Insurance Defense for California on
Q: If my parents passed away and there was no wheel and they had insurance

If my parents passed away and there was no wheel and they had insurance And my older brother kept all the money and he was supposed to split it between all of his brothers and sisters But he didn’t do that if he kept it off I need to see what I can do about that

Tim Akpinar
Tim Akpinar answered on Dec 29, 2019

I hope that doesn't happen. It looks like you're asking about a will, and your question remains open for a while. You could try reposting in the Probate and Estate Planning sections. Hopefully, your question would have a better chance of being picked up by one of the attorneys there who is... Read more »

1 Answer | Asked in Insurance Defense for Tennessee on
Q: Will fire insurance cover some one else's belongings besides the insured? In the state of TN. The insured's son has be

Longins that where in the shed that burnt

Anthony M. Avery
Anthony M. Avery answered on Dec 23, 2019

Initially you must read the insurance contract and the policy declarations. Then I recommend hiring an attorney for assistance in filing the Proof of Loss. This is a public forum.

2 Answers | Asked in Personal Injury, Animal / Dog Law, Insurance Defense and Landlord - Tenant for Colorado on
Q: If someone else's cat bit me, after it had entered my house and I tried to remove it, can i be liable or sued?

I woke up and I hear meowing coming from somewhere, and I thought it was my cat. It was actually another person's cat that was outside my front door. I didn't know this because it had no collar and I hadn't seen it before. Over the next couple of hours the cat stayed out there. I had gone and came... Read more »

Kristina M. Bergsten
Kristina M. Bergsten answered on Dec 13, 2019

Most likely the adjuster is calling you to pay for your injuries so you don't sue the owner. But, I do not know. I would recommend taking the call to find out what the adjuster wants.

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2 Answers | Asked in Traffic Tickets, Car Accidents and Insurance Defense for Tennessee on
Q: I was in a small wreck just a fender bender a mile from my house, I had no license (Never had them) and no insurance I

Was driving down to our field (a mile and half from my house) our neighborhood hit my car he wasn’t paying attention to the road. I got a ticket for no license and no insurance I did have a 28 year old in the car with me, he told me he didn’t see any reason to arrest me since I was honest and... Read more »

Mr. James Charles Wright
Mr. James Charles Wright answered on Dec 13, 2019

If the accident was the other driver's fault then the fact you didn't have a license is likely not admissible on fault. Who is fault is determined by what happened in the accident. As to the ticket- It is good that you now have your learner's permit and insurance. The fact that you have these... Read more »

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1 Answer | Asked in Criminal Law and Insurance Defense for Georgia on
Q: Hello, My brother is held at the Atlanta airport for offense ‘fugitive from justice’. How should I deal this issue?
Priscilla T. Upshaw
Priscilla T. Upshaw answered on Dec 13, 2019

You should contact an attorney as soon as possible who can assist you with the specifics of your brother’s case. We are glad to assist you. Contact whenever you are ready.

I wish you well.

-The Upshaw Law Firm, (770) 240-0922.

3 Answers | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for New Jersey on
Q: hi i have a questionabout car insurance
Leonard R. Boyer
Leonard R. Boyer answered on Dec 12, 2019

There is no listed question, so please include it.

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1 Answer | Asked in Civil Litigation, Personal Injury, Car Accidents and Insurance Defense for Georgia on
Q: How should I be handling this? Getting my own attorney or going through the auto insurance company?

I was driving my spouse’s company car and was involved in an accident 22 months ago. I had permission to drive the car and was told by a company representative that as a spouse I was covered by the automotive insurance policy because my spouse also uses the vehicle for personal use. Yesterday I... Read more »

Priscilla T. Upshaw
Priscilla T. Upshaw answered on Dec 5, 2019

It is best to consult an attorney versus going through the insurance company. An attorney will work to protect your interests, and the insurance company’s primary objective is to protect their own interests.

I wish you well.

-The Upshaw Law Firm, (770) 240-0922.

1 Answer | Asked in Business Formation, Business Law, Contracts and Insurance Defense for New Jersey on
Q: Should I have separate insurance policies for my rental LLC’s, or can it be a named insured on my personal policy?
Leonard R. Boyer
Leonard R. Boyer answered on Dec 5, 2019

Each LLC should have at least three members and it's own insurance policy. All LLCs should be owned by a "C" corp. Anything else is not going to protect you from personal liability. You really need to retain an experienced business and contracts attorney.

1 Answer | Asked in Collections, Health Care Law, Insurance Bad Faith and Insurance Defense for California on
Q: I have been wrongfully charged twice for medical visits and it has caused me a world of trouble, what to do?

I have now been wrongfully charged by a medical department through county services claiming I did not have adequate insurance coverage at the time to cover the expenses incurred.

I have tried unsuccessfully, now this second time around, to explain to them that I did in fact have coverage... Read more »

William John Light
William John Light answered on Nov 25, 2019

You may have claims for violations of the California Fair Debt Collections Practices Act. Contact an attorney to evaluate your potential claims.

2 Answers | Asked in Insurance Bad Faith, Insurance Defense and Medical Malpractice for Georgia on
Q: Am I responsible for a medical bill they never billed my insurance

I received service at a ER in Florida 2017. I gave the hospital my insurance information, they billed my insurance and received payment. However, the ER doctor seems to work independent from the hospital and never billed my insurance. They claimed they sent Bills to me which I never received... Read more »

Priscilla T. Upshaw
Priscilla T. Upshaw answered on Nov 22, 2019

It is not uncommon for ambulatory services to be billed separately from the hospital’s bill. It may be best to contact an attorney who specializes in collection services. You may be able to contact your insurance carrier for other options.

I wish you well.

-The Upshaw Law Firm,...
Read more »

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1 Answer | Asked in Insurance Defense for Georgia on
Q: What should I do?

In 2013 I was involved in a car wreck and was a passenger, the ambulance bill was billed to me and then I faxed to the drivers insurance agency so they could pay for it since it was their fought. Now currently in 2019 the ambulance bill is still in my name unpaid and sitting in collection. The bill... Read more »

Priscilla T. Upshaw
Priscilla T. Upshaw answered on Nov 22, 2019

Your next step should be to consult an attorney immediately. It is in your best interest. We are glad to assist you.

-The Upshaw Law Firm, (770) 240-0922.

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for California on
Q: Insurance company revoked my contract after a small accident, what can i do? More details below.

I had a small car accident a few weeks after getting car insurance. When i did the claim my insurance decided to revoke my contract and cancel my policy. Therefore making it seem like i was uninsured. Me and the other driver agreed for me to pay half of her deductible ($250) to settle it. But now... Read more »

Tim Akpinar
Tim Akpinar answered on Nov 21, 2019

Without seeing your insurance company's correspondence, your application, accident documentation, one can only guess what is happening here. It might be that the other driver wanted to be nice and handle the matter as a first-party claim, after which her carrier's subrogation department got... Read more »

1 Answer | Asked in Divorce, Family Law, Health Care Law and Insurance Defense for North Carolina on
Q: Wife and I are separated. Her employer had open enrollment for insurance. Do I have to carry her on my ins. still?

North Carolina. We have a child together and I will be carrying him on my insurance.

Adam Bull
Adam Bull answered on Nov 21, 2019

Generally yes, until there is a divorce decree or other court order addressing the issue.

1 Answer | Asked in DUI / DWI and Insurance Defense for Arizona on
Q: my friend got tonight arrested because of not pay of his insurance, but i pay for his insurance and something went wrong

his car got towed and he is homeless and he has no money to get his car out

Tim Akpinar
Tim Akpinar answered on Nov 19, 2019

Your friend needs a criminal defense attorney, but none of them saw your post under DUI or Insurance Defense. Maybe in the interest of time, instead of reposting, you could just reach out to criminal defense attorneys you see on this site or through your own searches. Based on your description of... Read more »

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