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 allowed a dealership to drive my car to another body shop, and during the commute, a rock hit my windshield by chance, causing damage. The dealership told me to file a claim with my auto insurance. However, I'm unsure if that's the correct approach, as I believe their insurance should... View More
answered on Apr 18, 2025
The dealer was a bailee required to to use ordinary care. Unless the dealer was negligent, and it does not sound like there is negligence by the dealer, the loss is yours and you should contact your insurance company.
This information is provided for discussion and does not constitute... View More
I made ~$9000 over a 9 month period while working very part time in 2021, I did not claim this when filling in unemployment claims during this time. I have not been notified yet of a case but I believe one is coming as the money was reported to the IRS.
answered on Apr 10, 2025
A Michigan attorney could advise best, but your question remains open for two weeks. The attorneys who practice in "Tax Law" would know this best, if you wanted to repost. Another option could be to reach out to tax attorneys, your accountant, or tax preparer for the quickest guidance... View More
My mortgage servicer foreclosed on my property in Michigan after receiving a full payoff check from my insurance company for a total loss due to a fire on January 16, 2023. The insurance check was issued on August 4, 2023, but the servicer did not inform me of it and continued to provide monthly... View More
answered on Mar 2, 2025
Something does not sound correct. If the mortgage was paid off from the insurance company, the servicer should not continue with the foreclosure. It would need to be canceled. An experienced real estate attorney should review the documents and former loan payoff to be certain. Good luck.
Atlantic insurance company said state law is preventing them from paying, even though they were covering medical expenses. Progressive has been paying lost wages and medical with no issues. I was driving Uber waiting for passenger when accident occurred. Been totally disabled with neck and back... View More
answered on Dec 18, 2024
A Michigan attorney could advise best, but your question remains open for three weeks. I'm sorry about your accident and the ordeal it has caused for you. You ask to be advised - that could be difficult for any attorney, without additional details. Most attorneys would want to know how the... 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
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