Get free answers to your Insurance Defense legal questions from lawyers in your area.
answered on Sep 30, 2024
A Michigan attorney could advise best, but your question remains open for a month. Until you are able to consult with a local attorney, the most inexpensive starting point could be to take it up with the insurance carrier. They could speak with the insured and politely advise that those checks are... View More 
I simply bumped someone on the road, technically my fault. No damages, we don’t call the cops but I provide my id and insurance bc I’m dense. She texts me two days later asking for money for a deductible and when I tell her I’m not responsible she states if I pay her, she will not go through... View More
answered on Jan 20, 2024
Addendum - if you do reach a settlement, make sure that you have a signed release from the other side. A well-drafted release form confirms settlement terms and serves to wrap up the claim without leaving any loose ends. If your carrier agrees to make a payment, they will require a release anyway.... View More
I purchased a used truck in May 2023. As usual, I called the insurance company to add it to my policy on May 17, 2023, the date I purchased the truck. A couple months later, I received a letter from my bank stating that since they didn't receive documentation of insurance on my truck, that... View More
answered on Oct 17, 2023
A Michigan attorney could advise best, but your question remains open for three weeks. It isn't fully clear what caused the misunderstanding here - a local attorney could probably sort out better after reviewing the file in detail. But a financial institution can require insurance. Good luck
The current mortgage company acquired my loan a few years ago as the original lender sold it off. I have never been late, have a credit score of well over 800, paid extra over the years, and have 23 months until the loan will be satisfied. As such I have over 90% of the equity (even by the... View More
answered on Jul 11, 2023
What does your mortgage say? IF it says they can randomly require you pay for inspections, then yes, they can do what you describe. If it says they can force you to pay for inspections whenever work is done on the property that too is something they can do.
If it doesn't say that,... View More
I got pulled over without proof of insurance and no registration. I however just got insurance that morning so if I bring my proof to court. Will they just throw my case out?
answered on Jan 5, 2023
You have (had) 10 days to bring proof of insurance. The registration is a different matter.
My trampoline flew into a pond owned by a privately owned golf course during a major wind storm. The trampoline was anchored down and was ripped out by the wind. I live in an HOA that is next to the golf course. The trampoline is destroyed. Am I responsible for cleaning it up out of the pond?
answered on Dec 14, 2021
What is the golf course owners saying? Even though it's an act of God, someone will still have to pay. Either the golf course will just do it on their own, or they will contact the HOA and the HOA will pay, and may end up tracing it back to you.
It may be worth your while to contact... View More
My wife was hit from behind by an insurance less driver about 6 months ago. We decided to sue as my wives car was totaled. The person who hit us appears to have moved and after about 3 attempts to have her served we’ve had no luck. The total damages equal about 4K and we had to take out a loan... View More
answered on Sep 1, 2021
You need to talk with a civil attorney who deals with auto insurance. I'm not sure you have much recourse other than through "mini tort", which is limited to your deductible.
One other thing to keep in mind is that if this woman had no insurance and is now no where to be... View More
answered on May 13, 2021
Risk analysis and calculation, as well as identity purposes.
answered on Mar 12, 2021
I think an insurance company may find the reason for the rescission to be relevant, and could affect your premiums or eligibility for coverage.
I'm struggling to find help in my situation about having my deceased father's medical records release to his insurance company. I am the original beneficiary on his policy, but his oldest daughter had my name removed from his policy. I wish I can afford a lawyer to guide me through this... View More
answered on Jan 7, 2021
It doesn't sound like your issue is necessarily with the insurance company. Their job is complete when they pay out the policy to the named beneficiary; they don't get into disputes like this. Your avenue of relief might be through the probate court; if a probate administration has not... View More
I was given a ticket for impeding traffic. I did hit the back left side panel of her car.
answered on Jun 23, 2020
Michigan is a No-Fault state. This means that all drivers are required to purchase insurance on their vehicles and that if there is an accident, regardless of who is at fault, each driver's insurance pays to cover their own medical bills, lost wages and damage to their own vehicle. The... View More
My grandmother may pass before the check is deposited into her account how can my mom or uncles save it before it goes back to insurance
answered on Apr 6, 2020
The question is not altogether clear to me, but it sounds like the insurance payment is property of your grandmother's estate, and that a probate case needs to be commenced in order to deal with the payment. An attorney with the whole picture will be able to guide you through the probate... View More
I hit a building and it's my fault (negligent in parking lot, no drugs or alcohol involved). Can my insurance company deny the building owner's claim? Can the building owner (or their insurance company) sue me for damages?
answered on Feb 22, 2020
The answer is "yes" to both your questions. Although I'm not sure why the insurance company would deny a valid claim unless they were denying coverage for any number of reasons found in your contract with them. In which case the building owner could certainly sue you personally.
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
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.
I was in a car accident a couple of weeks ago. We were at a stop waiting for traffic to clear to turn left when the car behind us did not stop and went right into us. It was a hit and run, but they were caught. Both cars were totaled. I was the passenger in the car, and have been going to a... View More
answered on Apr 16, 2019
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... View More
My roommates and I recently had a kitchen fire in the apartment due to turning on the wrong burner. The lessor replaced the appliances, brought in a cleaning crew, and then billed us! We were not given any chance to hire/buy anything ourselves. Are we liable for the bill? Note, it does NOT state... View More
answered on Nov 13, 2017
I would look more closely at the lease. You may be responsible to return the property undamaged at the conclusion of the lease. That clause, I suspect, imposes liability on you. Sorry to not have a favorable answer. Were the fire to have been the fault of the equipment supplied by the landlord,... View More
My fiancee's grandmother quit claim deeded her home to myself, my fiance, and herself, and passed a week later. The insurance policy was in her name which they were notified of her death. Our home burnt down 8 months after she passed. She had no will and no estate, insurance adjuster says that... View More
answered on Oct 31, 2017
This may or may not actually be required depending on how the deed was written and recorded (was it done by an attorney or did someone go on the internet and ineffectively 'try' to do this on their own?) HOWEVER, if indeed you do need to open an estate, you need to petition the Probate... View More
grandma had 5 other kids who received something in their name. She always told me I was in place of my mother
answered on Apr 29, 2017
Your question is not clear. What did your grandmother's will/beneficiary designations say? She left things to the 5 other grandkids but apparently not you? What exactly are you asking?
-- This answer is offered for informational purposes only and does not constitute legal advice or... View More
Also she changed me from beneficiary 10 days before his death and put her. He had dementia and died from neglect. Now we will have to go to court for this small amount. Do I need a lawyer or should I be confident enough on my own to save me money. I'm a struggling mother and don't have much money.
answered on Jun 23, 2016
Successful litigation most often requires a competent litigator. Civil procedure is quite complicated. It would be in your best interest to consult a competent attorney.
my deductible is 1000.00 i reported the accident and another dent on the same day to my ins carrier,they wrote it up as 2 claims. i didnt know it would be 2 claims,now they wont pay because each claims are under my deductible of 1000.00. they did not explain that to me,that it would be 2 different... View More
answered on Nov 13, 2015
Sounds like the occurrences were difference. Check your policy.
Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is only general information. It is NOT legal advice, and it may not work for your specific situation. It is impossible to... View More
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