Get free answers to your Insurance Defense legal questions from lawyers in your area.
I was contacted by a collection agency about a medical bill I didn't know existed until recently. After verifying my insurance was billed correctly, I'm aware I owe this debt. I reached out to the collection agency to clarify whether they had been assigned the debt or if it had been sold... View More

answered on May 6, 2025
To prevent medical debt from appearing on your report, you have to obtain written assurance from medical office and the collection agency. Start by asking the collection agency in writing they will not submit the debt to the credit agencies when paying the debt. Second, pay the original creditor in... View More
I was involved in a vehicle accident on January 14, 2025, in which I am not at fault. The other driver's insurance, State Farm, has accepted fault. I am representing myself and need assistance in composing a professional email asking State Farm to disclose the bodily injury policy's... View More

answered on Apr 27, 2025
A written request for policy disclosure should specify a deadline for when the policy must be provided. This can be done via email or certified letter. Typically, insurance companies respond promptly without issues.
If you’re representing yourself, be aware that any medical treatment from... View More
I was involved in a vehicle accident on January 14, 2025, in which I am not at fault. The other driver's insurance, State Farm, has accepted fault. I am representing myself and need assistance in composing a professional email asking State Farm to disclose the bodily injury policy's... View More

answered on Apr 25, 2025
Hi there,
For your State Farm policy email, keep it short and direct. Start with your claim number and accident date (January 14, 2025), then clearly request the bodily injury policy limits disclosure, noting they've accepted fault. Mention your documented injuries (herniated discs,... View More
I was injured as an Uber passenger 56 days ago, and while Uber initially accepted responsibility and filed a claim with their insurance on my behalf, they stopped communicating after I provided my medical records. My current attorney has submitted a demand request, but they mentioned I cannot begin... View More

answered on Apr 15, 2025
Before you change anything, you need to have a face to face with your current attorney. There is no reason you cannot pursue therapy or any other treatment while the demand process is ongoing. As far as Uber accepting responsibility, double check on that with your attorney on that. That is somewhat... View More
I was injured as an Uber passenger 56 days ago, and while Uber initially accepted responsibility and filed a claim with their insurance on my behalf, they stopped communicating after I provided my medical records. My current attorney has submitted a demand request, but they mentioned I cannot begin... View More

answered on Apr 15, 2025
Hi there! Sorry you’re going through this. Getting hurt is hard enough without feeling like you're stuck in limbo.
The short answer is yes—you’re allowed to choose a different attorney if you’re not comfortable with how your case is being handled. Clients have the right to make... View More
I was injured as an Uber passenger 56 days ago, and while Uber initially accepted responsibility and filed a claim with their insurance on my behalf, they stopped communicating after I provided my medical records. My current attorney has submitted a demand request, but they mentioned I cannot begin... View More

answered on Apr 15, 2025
Yes. You are in the driver seat and call all the shots. You can terminate your representation at any time, but the attorney may have a charging Lien if there has already been a settlement offer that he has procured for you from the insurance company. This is known as a quantum meruit lien. However,... View More
I was involved in a hit-and-run car wreck. I've reported the incident to the police and filed a claim with my insurance company. Morgan & Morgan is handling my case. I have been injured and received medical attention, and my vehicle has sustained damage. What steps should I take next, or... View More

answered on Apr 25, 2025
Hi there,
In Florida after a hit-and-run, focus on your ongoing medical treatments. You should definitely get in touch with Morgan & Morgan, understand your PIP coverage (covers first $10,000 in medical expenses regardless of fault), and utilize uninsured motorist coverage if available.... View More
My sister was involved in a car accident where she T-boned a vehicle that was stationed sideways, blocking both lanes on a long road. Despite having the right of way, the police mentioned that she had enough time to stop but miscalculated the distance because the other vehicle was turned sideways.... View More

answered on Apr 9, 2025
So the police do not determine who is at fault for an accident. The police report is not admissible as evidence of who was negligent. Your sister should retain an attorney here in Florida on contingency fee, which means she pays nothing unless she wins.
I was driving a rental car and rear-ended another driver who was also in a rental—specifically, a loaner from a dealership. The damage appeared minimal at the time, and we exchanged information. Recently, I received an invoice for $1800 from a body shop regarding the other driver's vehicle.... View More

answered on Mar 21, 2025
A Florida attorney could advise best, but your question remains open for a month. I'm sorry about your accident. I hope all involved are okay. A starting point could be to review the terms of your rental and what it covers in terms of property damage. Based on the facts the post, it isn't... View More
I lent my car to my cousin while he was visiting for the weekend. His friend took my car without permission and was involved in a car accident, totaling the vehicle. The police are not aware of the unauthorized use, as my cousin did not report it. The other driver was at fault, but the unauthorized... View More

answered on Mar 19, 2025
I assume you have made total disclosure to your insurance company of the facts. If not, you need to do so immediately. I'm guessing from your description that the unauthorized individual is attempting to receive the PIP benefits under your policy for payment of medical bills and/or is... View More
I live in Lakeland, Florida, and I was helping my friend clean their house to prepare it for sale. Unfortunately, I tripped over a cord that wasn't visible and broke my arm severely. I underwent a 6-hour surgery to insert rods, screws, and a metal plate in my elbow. My friend's house is... View More

answered on Mar 10, 2025
You do have a claim for negligence. Medicaid will have a lien on the recovery, and generally in any personal injury case, the insurance carrier, medicaid or medicare have liens on the recovery. I think time is of the essence. Generally the homeowners insurance should provide some level of... View More
I live in Lakeland, Florida, and I was helping my friend clean their house to prepare it for sale. Unfortunately, I tripped over a cord that wasn't visible and broke my arm severely. I underwent a 6-hour surgery to insert rods, screws, and a metal plate in my elbow. My friend's house is... View More

answered on Mar 10, 2025
Yes, you have a case. If the cord was in a location where you couldn't reasonably expect it, or it wasn't clearly visible, this could be considered a hazardous condition that your friend was responsible for addressing. You definitely want to work with a premises liability attorney.... View More
I live in Lakeland, Florida, and I was helping my friend clean their house to prepare it for sale. Unfortunately, I tripped over a cord that wasn't visible and broke my arm severely. I underwent a 6-hour surgery to insert rods, screws, and a metal plate in my elbow. My friend's house is... View More

answered on Mar 10, 2025
Yes, I think you have a claim. Your claim would be stronger if you took a picture to show that the cord was concealed or hidden from obvious view. However, that would not be indispensable for you to pursue a claim. You should retain an attorney on contingency fee here in central Florida, which... View More
My friend slipped and fell in the parking lot of my rented commercial property in Florida, which was iced over and had no warning signs. She requires surgery but did not notify the property owners because she said she has insurance and will be fine. I am required to maintain insurance for in and... View More

answered on Feb 27, 2025
If there's FAULT on your part, liability could potentially lie with both you [your business] and the landlord. Whether there's any potential court-finding of fault is an issue that would take a close examination of the facts and circumstances.
My son tragically passed away in a traffic accident while driving a car that belonged to a friend's mother. The mother insured the car for her own son to drive, despite knowing he didn't have a driver's license. Her son let my son drive the car, even though my son also didn't... View More

answered on Feb 20, 2025
I'm sorry to hear about the loss of your son. Any time there is a death or serious bodily injury, you need to be represented by an attorney. Determining fault is key to your wrongful death claim. Your son could bear responsibility if he drove negligently. The friend might be liable for letting... View More
My son tragically passed away in a traffic accident while driving a car that belonged to a friend's mother. The mother insured the car for her own son to drive, despite knowing he didn't have a driver's license. Her son let my son drive the car, even though my son also didn't... View More

answered on Feb 20, 2025
Well, I’m sorry to hear about the passing of your loved one and I extend my deepest condolences.
So from your facts, it’s ambiguous as to whether there was another car involved in this accident. The central question in this case is who caused the accident? If there was another vehicle... View More
provide rule governing response to amended pleading

answered on Oct 25, 2024
It depends on (A) what you mean by "opposition" to an amended complaint (motion to dismiss?, answer and affirmative defenses?), and (B) which court you're in (State or Federal, and if in State, which level (small claim or a level above small claim?). I therefore suggest you post a... View More
We have a 19-year old son who has his own insurance on a paid off car that is titled to a trust that solely has the vehicle in the trust (vehicle trust). However, he lost his job is now not able to pay for insurance. We would like to know if we add our son to our insurance policy and the car... View More

answered on Jul 14, 2024
No, it is unlikely that you could be held liable for having him on your insurance. Liability normally results from negligent action on the part of a driver, not co-insured such as you would be.
I rented a car on Turo and initially had no issues. However, hours after returning the car via remote check-in, I received an email claiming there was damage, specifically a scratch that could cost up to $20,000. I did not cause any damage and made sure the car was fine upon drop-off; however, I... View More

answered on Jun 10, 2025
What you're going through sounds incredibly stressful, especially when you're doing your best to balance family and responsibilities. Getting hit with a high damage claim after returning a car—especially one you believe you returned in good condition—can feel overwhelming and unfair.... View More
I plan to offer animation services on Fiverr and noticed their Terms of Service state that "Sellers must obtain a general liability insurance policy with coverage amounts that are sufficient to cover all risks associated with the performance of their services." I don't currently have... View More

answered on Jun 1, 2025
I would certainly form a business entity, either an S Corporation or a limited liability company. You should discuss this with your accountant and have a business attorney form the business entity. I would forward the Terms and Conditions to your insurance agent and get the proper coverage naming... View More
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