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California Insurance Defense Questions & Answers
5 Answers | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for California on
Q: I WAS IN A accident and their insurance is take full responibililty, do i let repair or take check and repair myself?

the insurance company gave me 2 opitions . take to their repair shop - get a rental , est and repair. only get rental if i take to their shop and get repaired there. 2nd opition is take my jeep to get est. - no rental and they issue me a check . that was all that was said please heplp

Louis George Fazzi
Louis George Fazzi answered on Jul 28, 2020

Are you aware that you are asking this question of California attorneys? Most lawyers admitted to practice in the state of California may not be licensed to practice in Colorado, and consequently should not offer you advice based on California law.

Secondly, you did not indicate where the...
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3 Answers | Asked in Insurance Defense and Personal Injury for California on
Q: in need of a lawyer that can help me with my case involving auto insurance that has not taken my claim into account.

I was involved in a car accident that i was not at fault. However, my auto insurance has not taken responsibility of my claim. It has been a while and I've tried contacting them but thus far i haven't gotten a response. I want them to pay for my totaled car and my ignored injuries. They... Read more »

William John Light
William John Light answered on Jul 13, 2020

You will have to call PI attorneys, or email them, directly. Attorneys are not allowed to contact you or solicit your business. If anyone responds to your post in this manner, run in the other direction. You do not want attorneys who break rules representing you.

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1 Answer | Asked in Health Care Law, Insurance Bad Faith and Insurance Defense for California on
Q: In the state of CA can you change a last name but not get officially married to avoid increased health insurance cost?
Kevin Christopher Murphy
Kevin Christopher Murphy answered on Jun 30, 2020

Yes, you can change your name without getting married. However, you should consult with a Family Law attorney to get the best advice before making any decisions. Good luck!

6 Answers | Asked in Car Accidents, Insurance Defense and Personal Injury for California on
Q: I sold a vehicle on Craigslist, was negligent, & now I owe an insurance company 20k in damages?

I sold the vehicle, I had them sign their name and everything necessary on the pink slip, as well as my signature to release it, but forgot to remove and take the release of liability. The person has caused damages worth 20k yet I am liable. I have records of the conversation leading up to the... Read more »

Tyler Young
Tyler Young answered on Jun 11, 2020

Although insurance follows a vehicle, the driver is typically the person who is "responsible" and will be the named defendant in any lawsuit. Said another way, unless there are independent allegations against you (like you sold a defective vehicle etc...) you shouldn't be a party to... Read more »

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3 Answers | Asked in Car Accidents, DUI / DWI and Insurance Defense for California on
Q: If you get a dui at 17 with no license or insurance and get in a crash what will happen

could you go to court alone if you are turning 18 before the court date ?

Mr. Richard Orville Middlebrook
Mr. Richard Orville Middlebrook answered on May 22, 2020

There are so many variables in this it’s hard to answer. The case will be handled in the juvenile courts. There certainly will be some very stiff punishments and more so if someone was injured. There will a significant license suspension of at least a year. Likely to be charged with multiple... Read more »

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3 Answers | Asked in Personal Injury, Insurance Bad Faith and Insurance Defense for California on
Q: does an insurance company have to defend the boat owner even though he is not listed as an insured on the policy?

The boat owner gave it to his son, who ended up getting insurance for the boat. The title for the boat was never changed.

William John Light
William John Light answered on May 19, 2020

Potentially, since the title never changed. An attorney will need to review the policy and do a coverage analysis.

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1 Answer | Asked in Insurance Defense for California on
Q: Am I liable to neighbors insurance co. from fire in my condo?

I got a letter from my neighbors insurance co recently saying, basically, "You owe us $6543 for damage you caused to our policyholder." First, they know no details about the fire but say I caused the damages. It was caused by a soundbar in my bedroom that caught on fire with no warning... Read more »

Tim Akpinar
Tim Akpinar answered on Apr 4, 2020

Unfortunately, there is no "quick fix" type of response here that would address your issue. Handling the matter would likely require an investigation (since none was conducted) to assess the level of damages. Left to run its own course, one possibility is that the carrier could ultimately... Read more »

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... Read more »

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.

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... Read more »

2 Answers | Asked in Contracts, Insurance Bad Faith, Insurance Defense and Car Accidents for California on
Q: Can a auto insurance company hold your salvage title hostage?

I was in an auto accident 7/5/19 by someone who has Alliance United car insurance. They have 798 reviews on Yelp with 1 star. They totaled my 06 Acura TL that had little damage to its front end. The guy policy limit was $5000 and my car value was $7,800. I decided not to sue and told them to send... Read more »

William John Light
William John Light answered on Sep 4, 2019

To determine if your car is a Total Loss, you must follow the Total Loss Formula.

Total Loss Formula (in California) is Cost of Repairs + Salvage Value ≥ Actual Cash Value.

Salvage value is typically 25% of the Actual Cash Value (but each insurance company uses its own percentage,...
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2 Answers | Asked in Insurance Bad Faith and Insurance Defense for California on
Q: Hello I am looking for an attorney that will help me with a denied claim with my auto insurance company....

After a year long investigation in which we gave them everything they asked for.... They denied the claim.

Gerald Barry Dorfman
Gerald Barry Dorfman answered on Jul 23, 2019

If the claim was for personal injuries (like uninsured motorist), many attorneys will take such a case on contingency. That means they get paid a percentage of what you get from the insurance company. If the claim is for property, it is more likely you will have to hire an attorney on an hourly... Read more »

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2 Answers | Asked in Personal Injury, Workers' Compensation, Civil Rights and Insurance Defense for California on
Q: In a WC case, can the defendant party deny me appearing for my deposition by remote or electronic means?

I have a desire to appear by either telephone or by remote or electronic means for a deposition

The judge doesn’t seem to have a problem with it, since I can get a recommendation from my clinical treating therapist or get ADA accomodations.

The representing attorney said it was... Read more »

Dale S. Gribow
Dale S. Gribow answered on Jul 11, 2019

more info needed.

you need to ask this in a Workers Comp forum...this is a PI forum.

most WC lawyers will give you a free consultation and if you are in the middle of a claim and do not have a lawyer..........shame on you.

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1 Answer | Asked in Appeals / Appellate Law, Family Law, Health Care Law and Insurance Defense for California on
Q: I was taken to court and my ex won but it contradicsts state laws. Should i request a set asude or appeal?
Tim Akpinar
Tim Akpinar answered on Jun 5, 2019

It's possible part of your question was inadvertently left off. An attorney would need additional information about the scope of the matter and state laws you mention on which you are contemplating an appeal. You could try reposting.

Tim Akpinar

4 Answers | Asked in Personal Injury, Car Accidents, Insurance Bad Faith and Insurance Defense for California on
Q: MR. LIGHT WHAT IF I DIDNT HAVE INSURANCE ON MY CAR AT THAT TIME?
William John Light
William John Light answered on May 18, 2019

Lack of insurance has nothing to do with who is at fault. If the other party is at fault, lack of insurance will only affect your ability to recover pain and suffering damages if you pursue a personal injury claim. You will only be able to recover economic damages (medical expenses, property... Read more »

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3 Answers | Asked in Insurance Bad Faith, Insurance Defense, Business Law and Car Accidents for California on
Q: WHERE CAN I FIND AN ATTY. FOR WHAT I BELIEVE IS INSURANCE FRAUD?

This young guy hit my car CLEARLY at fault & admitted it. the insurance paper showed his policy had expired He told me that he would talk to his mother to get my car fixed. His mom is an insurance agent. the calls that were supposedly from a claim adjuster were not the # was from his moms... Read more »

William John Light
William John Light answered on May 18, 2019

Unclear if you are injured from a collision or just want property damage repaired. The remedy for establishing who is at fault in a collision is a lawsuit. If you want your property damage repaired, file in Small Claims. Bring photos of the damage, and of the scene. Bring copies of the... Read more »

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2 Answers | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for California on
Q: Guy cut me off while turning into driveway which caused me to fall and hit his car, driver made false insurance claim

Drive told Insurance that I hit his car while he was parked, I have witnesses that say otherwise, only thing is I have no bike insurance for bike nor a bike license, as I've owned it for a month, does this hurt me or what would happen?

In Barstow, California

William John Light
William John Light answered on May 13, 2019

If you are hurt, contact a personal injury attorney to pursue a claim on your behalf. Since you were uninsured, you can only recover your economic damages - no pain and suffering.

If you have property damage only, file suit in Small Claims court. Bring your witnesses and...
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1 Answer | Asked in Insurance Bad Faith and Insurance Defense for California on
Q: Under Insurance contracts required to conform to cal statues change insurance contract exclusion provision of ownership

Are Insurance contract, that state "all provisions of this contract amend to conform with statues of the state", and used an exclusions of "actual or beneficial ownership" to deny coverage, changed under cal statuary laws that define the transfer of the actual or beneficial... Read more »

William John Light
William John Light answered on Apr 10, 2019

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...
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3 Answers | Asked in Car Accidents, Insurance Defense and Personal Injury for California on
Q: What happens if you dont have insurance and are at fault for an auto accident?

My 18 yr old niece got in an Accident and was found at fault. She had no insurance and no DL at the time. she took no photos and cant rember the Accident because she lost consciousness and suffered a concution, one of the other drivers also did not have insurance and got an lawer and she recived a... Read more »

Theodore Allan Greene
Theodore Allan Greene answered on Feb 24, 2019

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... Read more »

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1 Answer | Asked in Insurance Defense for California on
Q: Am I legally required to have insurance on property if I didn't even know that I inherited it?

What happens if someone gets hurt on it?

Gerald Barry Dorfman
Gerald Barry Dorfman answered on Nov 16, 2018

Unless there is a loan or mortgage on the property (or some other contract) which requires insurance, there is usually no legal requirement to have insurance. If a land owner does not have insurance, they are responsible for the risks associated with ownership. One such risk is the risk of being... Read more »

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