Get free answers to your Insurance Defense legal questions from lawyers in your area.
I was involved in a rear-end collision a while ago where I was not at fault and there were no injuries. A police report was filed, and I have contacted both my insurance company and the other party’s insurance. All necessary paperwork has been submitted, including ongoing negotiations. How long... View More 
answered on Mar 15, 2025
A South Carolina attorney could advise best, but your question remains open for a week. I'm glad no one was injured here. Given the facts you present (no injuries, rear-end collision), it sounds like a straightforward claim that shouldn't encounter delays. If there is a dispute in how the... View More
Roof company manager onsite when incident occurred. Told homeowner not to worry bcuz His roof company has insurance for incidents like this. Roofer threw shingle down into backyard that hit pipe attached to back of kitchen wall. Pipe bust from shingle resultin to house floodin. Roofer called... View More
answered on Jul 10, 2024
A South Carolina attorney could advise best, but your question remains open for two weeks. Final check should identify the claimant it is payable to - it sounds like you have more than one claim going on here, between water damage from pipe and roof damage from hail. Ask the carrier. In terms of a... View More
I was in an auto accident on September 22, and I filed a claim immediately afterward. Bills related to the accident were submitted within a year, but some were denied. I requested arbitration in February and September of the following year. The insurance company has been delaying discovery and... View More
answered on May 19, 2025
A South Carolina attorney should advise, since your question involves state procedural law (SOL). But as a general matter, if suit is filed, the statute of limitations does not usually mean that the matter has to be concluded within the timeframe of the SOL. It usually means the matter must be... View More
On April 11, 2025, my house window was broken by a golf ball hit by a golfer on a nearby course. I have video evidence of the golfer retrieving their ball, but the golf club claims they can't identify the player since they might be from another country and states no one is responsible for the... View More
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answered on May 14, 2025
What happened to you is frustrating and unfair, especially when you have video evidence and the golf club refuses to take any responsibility. In South Carolina, a golf club could potentially be held liable if they were aware that property damage was foreseeable and failed to take reasonable steps... View More
I was involved in a car accident in South Carolina where an unknown driver was driving my car. I was in the car at the time, the driver had my permission, and fortunately, there was no damage to my vehicle. I've submitted an FR10 form and provided photos of my vehicle showing no damage. What... View More
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answered on Apr 13, 2025
Since you've already submitted the FR10 form and provided the necessary documentation, your next step is to wait for a response from the South Carolina Department of Motor Vehicles (DMV) or your insurance company. They may reach out for further information or clarification, so be prepared to... View More
I was rear-ended while stopped, and the other party's insurance has claimed liability. I have a police report from the scene. I have not sought medical treatment yet because I'm unsure if it will be covered by their insurance. If I seek medical attention on my own, will the other party... View More
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answered on Apr 8, 2025
Hello,
The value of your case is going to be based upon your medical bills. If you are in pain, then it is vital that you seek medical treatment ASAP.
In addition to your case, there is also the fact that if you do not get proper treatment, then your body is going to heal the... View More
an annuity policy in which i was the beneficiary - they sent me a packet of papers to fill out which I did and upon speaking to them many times all the way up to a supervisor and basically was beaten down and blown off repeatedly - I have all the paperwork and a record of all dates and times of... View More
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answered on Jan 10, 2025
I'm very sorry about the loss of your husband and the difficulties you're experiencing with this insurance situation. This must be an incredibly stressful time, especially while also helping your elderly mother.
From what you've described, there appear to be serious issues... View More
I own a cleaning business and a contractor wants me to do some work but before the give me access to properties they said I had to pay for the temporary refundable surety tax insurance. They said they wouldn't accept the business insurance I have
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answered on Oct 22, 2024
It’s wise to approach this situation with caution. Temporary refundable surety tax insurance isn’t a common requirement in standard business practices. Legitimate contractors typically rely on standard insurance policies to ensure coverage and compliance.
Paying for an unfamiliar... View More
State Farm determined value of car. A State Farm claim rep called me and send they are emailing documents that need signatures (limited POA). I have not signed any documents yet. Despite this, the State Farm claim rep has already paid the financier (lien holder) without our knowledge. Irregardless... View More
answered on Sep 7, 2024
She should not take any actions on your behalf without your consent. It is not clear to me if this was a single car accident or if someone else was involved? But that can also have implications.
My license is suspended, Nobody wants to insure my wife
answered on Feb 25, 2024
A South Carolina attorney could advise best, but your question is remains open for four weeks. One option might be to check with the South Carolina Dept of Insurance, as well as entities that oversee consumer rights. Good luck
At the time, I was being hospitalized to have a stem cell transplant to survive an aggressive form of non Hodgkin lymphoma. We agreed to drop the underinsured coverage at a time when I was I jeopardy of dieing if I did not undergo the procedure. Arguably we were not thinking clearly to agree to... View More
answered on Jul 1, 2023
Have the signed form reviewed by experienced personal injury attorneys in your state.
My employer has not handled my paper work in a timely manor which is causing me issues with pay and insurance for short term and medical payments. Going to lose all of my benefits due to neglance on my employer! Life ins included! Can never get them to talk to me always answering machine ! I... View More
answered on May 30, 2023
A South Carolina attorney could advise best, but your question remains open for two weeks. You can find attorneys who handle such insurance matters. But if it's a large reputable insurance company with a customer service department, you could first reach out to them. Good luck
answered on Dec 20, 2022
So sorry to hear about your mother. Yes, you should reach out to a lawyer to review the life insurance contract.
In South Carolina. A rental company of construction equipment with 3 locations rents out a unit that causes bodily injury. Due to injury is tooth loss and damage to teeth. Prosthodontist all have payment due at time of service. To obtain proper treatment how can you obtain the rental companies... View More
answered on Dec 15, 2022
They are not required to provide you the insurance limits before a lawsuit is filed. After a lawsuit is filed on your behalf you could get them through the written discovery process.
answered on Sep 29, 2022
A South Carolina attorney could advise best, but your question remains open for three weeks. It's difficult to say what the terms of your specific policy are. But as a general rule, it is advisable to maintain active insurance for the home for the term you seek protection. It would be best to... View More
I owe $8000 on my car they offered $13000 can I get my car back with a salvage title
answered on Jan 14, 2022
Most likely you will have to pay off the lien from your insurance proceeds before you can obtain a salvage title. I doubt the lienholder would agree otherwise but you can ask them if they will do so.
answered on Dec 7, 2021
A South Carolina attorney could advise best, but your question remains open for four weeks. You could also consider discussing this with an insurance agent who has experience with commercial policies for these types of operations. That way you could identify the risks you need to be protected... View More
I’m a homeowner trying to have a shed built. Anyone I’ve interviewed does not carry workman’s comp insurance. I believe if an employer has more than 4 employees they must carry workman’s comp but in reality that is not often. Can a company I hire to build a shed be classified as an... View More
answered on Aug 9, 2018
Are you a homeowner or property owner building a shed on your property, or are you in the business of building sheds? If building sheds something you do as part of your business, then you might be considered a general contractor. If you are a property owner hiring a company to build a shed for you... View More
While inching slowly out of a business on a very narrow street, a person in an old car, not wanting to wait for me to exit on to the street, attempted to off the road to go around me, and struck my vehicle.
answered on Jul 12, 2017
You can make a claim for damage to your car and any injuries. Do not give recorded statements until you speak with a member of the SC Assn for Justice.They give free consults.
If you were hurt you need to see a doctor.
After my brother was killed in a motorcycle accident, his insurance notified me that his policy had been canceled. They told me there was insufficient funds in his bank account to make the initial payment and I would not be able to reinstate the policy. When I called the bank, there was no evidence... View More
answered on Jul 16, 2016
It's not clear--if it's cancelled after that doesn't matter--it sticks as of the time of the crash. They can cancel the minute later and there is still coverage.If someone else was involved or it was a bike issue, then you need to speak with a member of the South Carolina Trial... View More
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