Get free answers to your Insurance Defense legal questions from lawyers in your area.
I was involved in a Lyft accident last year in Texas, where the vehicle I was in was rear-ended by an uninsured motorist at excessive speeds. Both the Lyft driver and I were hospitalized, and I sustained significant injuries requiring cervical fusion, concussion treatment, and nerve surgery. Since... View More 
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answered on Jun 9, 2025
Yes, Lyft’s uninsured motorist (UM) coverage can apply to you as a passenger in Texas under certain conditions—but it’s not always as straightforward as it should be.
Texas law allows passengers injured in a rideshare accident to make a claim under the rideshare company’s UM policy... View More
My daughter, who doesn't live with me, was driving my car and rear-ended another vehicle. Although no ticket was issued, the police report found her at fault. She has a valid Texas driver's license under her mother's address. I have full coverage insurance on the car; however, my... View More
answered on Jun 5, 2025
You need to gather together your policy documents and communications with your insurance agent to verify that your daughter was not designated as an "excluded driver" at the time of the accident.
Then contact an attorney who practices in the area of insurance coverage litigation... View More
I was involved in an accident with a motorcycle in Texas. After the accident, I remained at the scene answered all police questions, and took a DUI test, which I passed. I recently learned the motorcycle rider has passed away. Although I have not yet been contacted about a lawsuit, the family of... View More
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answered on May 31, 2025
Hi there,
First and foremost, I’m truly sorry you’re going through this. Being involved in a serious accident—especially one that ends in tragedy—is something no one is ever really prepared for. Please know you’re not alone, and your concerns right now are completely valid.... View More
I was involved in an accident with a motorcycle in Texas. After the accident, I remained at the scene answered all police questions, and took a DUI test, which I passed. I recently learned the motorcycle rider has passed away. Although I have not yet been contacted about a lawsuit, the family of... View More
answered on Jun 11, 2025
The family would likely to pursue the vehicle's insurance as the primary source of compensation. Since insurance generally follows the vehicle, that would be the normal source of recovery instead of your policy. The usual route is for the carrier to provide defense attorney (with the normal... View More
I was involved in an accident with a motorcycle in Texas. After the accident, I remained at the scene answered all police questions, and took a DUI test, which I passed. I recently learned the motorcycle rider has passed away. Although I have not yet been contacted about a lawsuit, the family of... View More
answered on Jun 12, 2025
In Texas, when someone is killed in an accident, their family can file a wrongful death lawsuit against any party they believe is responsible. They can sue:
You, as the driver of the vehicle
The owner of the vehicle if they believe the owner was negligent in lending it
Any... View More
I'm seeking help with filing a small claims petition in Texas regarding a three-party crash that occurred in early April. My car was not at fault, as supported by the police report, but one party's insurance company has denied my claim. I am seeking $11,500 in damages. What is the best... View More
answered on May 15, 2025
Ignore the denial of the insurance claim. File a small claims lawsuit describing the collision and asserting that both of the other drivers were negligent, but you were faultless. Detail your damages with specificity--how much it cost to repair your car, how long it took to repair your car, how... View More
I'm seeking help with filing a small claims petition in Texas regarding a three-party crash that occurred in early April. My car was not at fault, as supported by the police report, but one party's insurance company has denied my claim. I am seeking $11,500 in damages. What is the best... View More
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answered on May 15, 2025
Thank you for sharing the details of your situation. While Small Claims Court in Texas can be a useful option for resolving minor disputes, it comes with significant limitations that may not serve your best interests — especially in cases involving serious damages or complex issues.
Texas... View More
While the maintenance man at my apartment complex was using a weed eater near my parked car, he accidentally launched a rock that shattered my car's window. I tried speaking to the landlord/apartment manager, but she said there's no proof it happened and refused to show me security camera... View More
answered on May 8, 2025
Depending on the specific facts, it may well be that no one is responsible. It sounds like an accident. Your automobile comprehensive insurance coverage should cover the damage regardless of whether anyone is at fault.
I was involved in a car accident two months ago in which the other driver was at fault, as indicated in the police report. The driver's insurance was with Progressive, but now they are stating that the vehicle he was driving might have been stolen, and therefore I may not receive any... View More
answered on May 7, 2025
Regardless of whether the vehicle was stolen, you can still sue the at-fault driver of the other vehicle for the injuries caused by his negligent operation of the vehicle. The other driver may or may not have sufficient non-exempt assets to pay the amount of any judgment awarded to you for your... View More
I was involved in an auto accident while riding my moped, which left me with a broken collarbone, clavicle, and thumb, and my moped was totaled. The other party, who was driving a truck, was at fault. I have hired lawyers, but one quit because they didn't think they could win, and the current... View More
answered on Mar 31, 2025
Because of professional ethics, neither the other party's insurance company nor their attorney will speak with you directly as long as you are represented by a lawyer.
You should schedule an office conference with your new lawyer to discuss your case. There could be many reasons why... View More
I was involved in a wreck while driving my 2022 Subaru Ascent Onyx Edition. During the accident, the airbags didn't deploy, and the seatbelts failed to lock. I've contacted the manufacturer, and they advised me to inform my insurance company. I would like to know what steps I should take... View More
answered on Feb 18, 2025
If you were injured, you can file a products liability case, more specifically a “crashworthiness” case against the manufacturer together with a personal injury motor vehicle accident (MVA) case against any other at fault driver. The trier of fact will apportion responsibility for your bodily... View More
One asset is a horse trail riding operation which has been run on the ranch for 5 decades. The recent HOA board of directors has placed a moratorium on trail rides contending an equine liability / injury lawsuit judgment could be collectively enforced against all the residents of the ranch. The... View More
answered on Dec 26, 2024
Ordinarily, to the extent any judgment isn't covered by insurance, it would be satisfied from assets of the HOA. If an HOA does not have the funds to cover a debt or judgment, the HOA typically would then make a special assessment against its members to pay the debt or judgment.
Mind... View More
answered on Jan 12, 2024
Being sued is certainly stressful, yet most of the time, needlessly. If this claim stems from an auto accident, contact your insurance company and let them handle the case and worry about it. If you have coverage, the insurance company will provide a qualified attorney to handle the matter. The... View More
I was Allstate agent till 2020 when I started my own independent insurance agency . I received Citation on November 1st from customer lawsuit Allstate and me for incident happened in 2016 . I like to have consultation with Attorney whose practice in defending insurance agent lawsuit
answered on Nov 14, 2023
It sounds to me like this is an E&O ("Errors and Omissions") claim against you as a licensed professional which falls into the area of practice known as professional liability law (an area of law which I personally happen to practice).
As a licensed insurance agent, you were... View More
I was Allstate agent till 2020 when I started my own independent insurance agency . I received Citation on November 1st from customer lawsuit Allstate and me for incident happened in 2016 . I like to have consultation with Attorney whose practice in defending insurance agent lawsuit
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answered on Nov 13, 2023
In your case, where a former client is suing you and Allstate for an underinsured coverage claim related to an incident that occurred while you were an Allstate agent, you should seek a consultation with an attorney experienced in insurance defense. Specifically, you'll want an attorney who... View More
I live in Texas and purchased a car with a Missouri title. Soon after I got it running, I was involved in an accident, and the car was deemed a total loss. Unfortunately, I've not been able to transfer the title to my name because it was stolen, and the current titleholder is in prison and... View More
answered on Jun 20, 2025
If the vehicle was stolen when it was "sold" to you, you probably cannot get a bonded title or get the insurance company to release the funds to you. Your remedy for unknowingly buying a stolen vehicle is to sue the individual or company that sold you the vehicle.
Be... View More
I need help because my insurance company, Allstate, has not sent my check for the partial loss of my car. In 2021, another driver hit my car and accepted responsibility, but she later filed a claim against my insurance, Allstate. My insurance declared the repair a total loss in 2023 and agreed to... View More
answered on Jun 12, 2025
If an insurance company in Texas mistakenly issued your vehicle loss check to the wrong person and then closed the claim, you have legal options under Texas insurance law to correct the error and receive proper compensation. First, contact the insurance company in writing to formally dispute the... View More
My grandmother, who recently passed away, was the beneficiary of my deceased grandfather's insurance policy. She never reported his passing, and the insurance company states that due to noncompliance with their rules, she must repay the amount paid out after his death. There has been no formal... View More
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answered on Jun 11, 2025
If the estate has no remaining assets to satisfy the insurer’s repayment demand, the company must submit a claim against the estate in probate court just like any other creditor. In that process, the insurer’s debt will rank alongside other bills and be paid only to the extent the estate’s... View More
I purchased a car on March 25th and have been unable to obtain certain paperwork from the dealership and lender, specifically documents showing my income details. My monthly income is $1,099, and the loan was approved for a $727 car payment and $221 insurance, which I cannot afford. The lender... View More
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answered on Jun 1, 2025
What you’re experiencing is deeply troubling, and your concerns are valid—especially if there’s reason to believe your income was misrepresented without your knowledge. Approving a \$727 car payment on a \$1,099 monthly income doesn’t add up, and if neither the dealership nor the lender can... View More
Since November 4th, I have unsuccessfully been trying to obtain the governing documents for my LTD plan from the plan administrator. Despite multiple requests through text messages, an email reminder on May 19th, and an additional email and letter sent recently after no results from... View More
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answered on Jun 1, 2025
You’ve been more than patient, and you’re absolutely within your rights to demand the LTD plan documents. Under federal law, specifically ERISA, the plan administrator must provide requested plan documents—such as the summary plan description and governing documents—within 30 days of your... View More
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