Get free answers to your Insurance Defense legal questions from lawyers in your area.
I live in a co-op building and the neighbors right below me had water damage. No idea what happened, but their insurance took care of everything a month or two ago. Now, the Super called me that the neighbors and the building management have been emailing for a date for someone to come in and... View More 
answered on Sep 3, 2024
Without knowing the details of the water damage, one possibility is that the insurance adjuster and building super want to confirm that the source of damage is not from directly above, which could make your unit the most likely possible source to look into. You mention feeling uncomfortable - you... View More
I had an accident five months ago. It wasn't big so I didn't report it. But now I am being sued by the other driver for $8000 in damages. Can I still get help from my insurance company? Its American transit insurance company ATIC. Do they provide free lawyer in this case?
answered on May 12, 2023
Turn the lawsuit papers over to American Transit after making copies for your own records. Because of the time gap, you may be confronted with the argument that their rights to investigate the claim were prejudiced by the delay in reporting. Every carrier can be different in their tolerance for... View More
answered on Mar 8, 2024
You could ask your attorney what the deduction is for. No one here could know what your attorney's out-of-pocket expenses were, but these could include index no. if your case was placed into suit, medical records requests, and other costs. If the case involved liens of any kind, those could... View More
answered on Jan 8, 2024
A subpoena needs to describe the document or item requested with sufficient particularity as to enable the party served with the subpoena to produce the document or item. It does not need to include a copy of the document referenced in the subpoena itself.... View More
So my dilemma is I have a car accident reported on my car accident history last year. I have never been in an accident in my life. My mom got in an accident last may and i was in the car. She called me a week later and told me her insurance wanted to speak with me i explained the situation to them... View More
answered on Mar 12, 2022
Some elements of the scenario are not fully clear, but from the brief facts, it does not look like a case of insurance fraud. Insurance fraud cases generally involve deliberate conduct with the intent to deceive the other party. This looks more like it could be an administrative or communications... View More
A dentist office accepts my current insurance. But make me pay full price, bills my insurance separately then sends me a check for less than 50% of what I payed when my insurance covers 80% of the total visit. They also only make some people who have the same insurance pay. So if you and I both had... View More
answered on Feb 11, 2022
It could be difficult to speculate why a dental or medical office would apply different billing protocols. As a convenience to the patient, some offices do not bill patients but instead, have them complete paperwork enabling their billing staff or contractor to bill on patient's behalf. When... View More
Hi,
I have a very large chest and as such I also suffer from crippling back pain. It has gotten to the point I can no longer function normally and cannot even get out of bed some days due to sciatica. I tried to get my insurance company to pay for a breast reduction and they denied me. In... View More
answered on Dec 16, 2021
I'm sorry for your ordeal with the back pain. In terms of having a case on which to sue, a law firm could offer a more meaningful response after reviewing the file with the input of medical professionals. What you are really probably wondering is whether you could sue in a manner where a law... View More
My father's bank refuses to pay me by telling me that my father did not contributed the last months before his death without giving me any official paper or proof. My father contributed to this insurance for more than 30 years and it's a shame not to get any penny..
answered on May 9, 2021
I'm sorry for your ordeal that makes a difficult situation even more painful. It appears you've already requested records. It's difficult to offer step-by-step instructions here, as the next step could possibly require litigating the claim, depending on the situation. Reach out to... View More
answered on Apr 22, 2021
While it sounds unfair, the law requires drivers to know that the vehicle they are driving is properly registered and insured. You can argue that it was not your vehicle, but you may be held responsible for driving an unregistered and uninsured vehicle.
settlement agreement questions
answered on Feb 24, 2021
the other thing you have to watch for are "subrogation claims." Lets say it's a slip and fall. You settle. But your health insurance has a claim for the money they paid for your medical treatment. They can come after you! Likewise Medicare or any state assistance. So at least get the... View More
Where would i make the claim? The insurance was purchased online along with travel package through groupon
answered on Jun 17, 2020
You won't be able to make the claim in small claims court in NY. The Defendant must reside, work or have a business address within the five western towns of Suffolk County. You'd have to bring the claim in county court, which will be considerably more expensive and may be cost... View More
My registration was up to date and my license was valid, but my insurance lapse messed with them all and gave me four tickets, why?
answered on Jul 22, 2019
When your insurance terminates (or lapses) the DMV automatically suspends/cancels your registration and plates, but not your driver's license. Reinstate your insurance (expect the rate to go up), renew your registration, get new plates, and take proof of all of that to court when you appear.... View More
Geico says if she doesn’t pay, they will report her to the NY DMV where she will get fined and have her license revoked since her insurance was cancelled before she surrendered her plates. Her insurance was cancelled 10/2018, but her plates weren’t surrendered until 6/2019. She had called... View More
answered on Jun 30, 2019
This is difficult problem to untangle. There are probably a few more pieces to the puzzle. For instance, was she insured in CA? I can't understand this from your question. Even if she pays the fine, her license would be suspended in NY for around 9 months. Then the questions becomes whether... View More
New York State: A number of discussions on traversing on frozen water exist. The DEC discusses safety issues for recreation users like anglers. The Parks and Recreation statutes discuss the use of snowmobiles. The NYS Snowmobile association discusses training, risks, and safety measures that a... View More
answered on Feb 4, 2019
First, don't put you email up ---ask Justia to take it down.
I'm not hearing any specific facts in your situation. As a general rule a person chosing their route is responsible for it's safety. Unless there is a need to go across frozen water they would be harmed. Look at... View More
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Going back several years, three I believe. This was the winter when buffalo got record snowfall. Five feet. I obviously didn't drive when it was down like that but even as the roads cleared they were messy. I had three accidents over the next year or two including a speeding ticket... View More
Car insurance rep collecting the money but Insurance company says i have no insurance and owed money.
answered on Apr 27, 2018
Report it to the New York State Attorney General ASAP.
I already went under a procedure and I received no written notification of this nor was their any paperwork describing benefits or what happens after you leave the job. I had a verbal agreement (and some texts) with the manager saying I at least had a month but now I have a bill over $2,000. I... View More
answered on Feb 17, 2018
You have a claim against your employer. For $2000 it is small claims. You can bring it yourself.
Co hired new bkgtound co and gr larceny felony came up. Asked if I have waiver which I never was told i needed one. I enroll people for insurance which doesn't req a license
answered on Sep 29, 2017
Google ban the box or Fair Chance Act NYC.
Call us if you lose the job which you should not unless special circumstances.
answered on Jul 10, 2017
That sounds like a HIPAA violation unless exceptions apply. More details are necessary to provide a professional analysis of your issue. The best first step is an Initial Consultation with an Attorney such as myself. You can read more about me, my credentials, awards, honors, testimonials, and... View More
answered on Apr 14, 2017
Not typically, but in some rarefied event it might depend on what kind of industry you're in and what specific licensure rules apply to you in your profession. More details are necessary to provide a professional analysis of your issue. The best first step is an Initial Consultation with an... View More
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