Ask a Question

Get free answers to your Insurance Defense legal questions from lawyers in your area.

Lawyers, increase your visibility by answering questions and getting points. Answer Questions
Insurance Defense Questions & Answers
1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Animal / Dog Law for Ohio on
Q: Seeking advice on a Pet Insurance Claim. My policy covers Congenital Heart Disease. A defect occurring at birth.

My policy w/MetLife started the day I brought my Rottweiler home at 8 wks.Comprehensive Wellness & Accident & Illness.No heart murmur was heard at the 6wk check w/her breeder.I took her to her first wellness visit A heart murmur was noted but no real concern as murmurs are very common in... View More

Nicholas P. Weiss
Nicholas P. Weiss pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Oct 25, 2023

You may have a claim for bad-faith insurance coverage against met-life for refusing coverage. This can result in hefty punitive damages and attorney fees for refusing to reasonably provide insurance coverage.

1 Answer | Asked in Insurance Bad Faith, Consumer Law, Banking and Insurance Defense for Michigan on
Q: Can my lending bank add insurance cost to my account for retroactive insurance?

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

Tim Akpinar
Tim Akpinar
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

1 Answer | Asked in Contracts, Civil Rights, Insurance Bad Faith and Insurance Defense for Florida on
Q: Physician orders require me to visit family to overcome depression. My LTC insurance deducts from my benefits. Legal?

Insurance provider says my policy only pays my custodial care if I am physically in my facility. I can visit my family but they deduct for each day I am away which is 4 days per month. i.e. $1,200 per month.

Charles M.  Baron
Charles M. Baron
answered on Oct 14, 2023

This issue likely depends on the language of your insurance policy. First, ask the insurance co. to tell you which specific section of the policy applies. Then, to be certain of your rights, consult an elder law attorney.

1 Answer | Asked in Insurance Defense for Florida on
Q: Can a repo company file an insurance claim on a repossessed vehicle

Car was repossessed and now the repo company is trying to file an insurance claim on the vehicle after it has already been taken off of the insurance.

Tim Akpinar
Tim Akpinar
answered on Oct 7, 2023

A Florida attorney could advise best, but your question remains open for a month. It could depend on how the insurance company handles it, but the short answer, without further details, is that most carriers generally limit the coverage to claims from assureds while a policy is in full force and... View More

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Tennessee on
Q: I have workcomp insurance without incidence for over10yrs, in midst of an audit coverage canceled without merit..legal?

During a recent yearly wc insurance Audit on my polcy the assigned Auditor quit the insurance company without notice, the next Auditor assigned to my account has ran me ragid,repeatedly requesting additional documents regarding a specific subcontractor,

I provide exactly what is asked and... View More

Tim Akpinar
Tim Akpinar
answered on Oct 7, 2023

A Tennessee attorney could advise best, but your question remains open for two weeks. Until you're able to consult with a local attorney on state-specific provisions that govern cancellation, it might be less aggravating and safer to seek coverage elsewhere, while having a Tennessee attorney... View More

Q: A sober living house has been filing claims for people that are no longer there.

I want to know how legal it is. Also the entity receiving the claims has changed it's name multiple times and I want to know how legal that is as well. I already submitted it to the state with my evidence.

Timothy Denison
Timothy Denison
answered on Sep 29, 2023

All sounds sketchy. Smacks of fraud any likely illegal!

1 Answer | Asked in Insurance Defense for Oregon on
Q: Her insurance wants proof of vehicle ownership before payout. can they require that. DMV doesn't offer that record.

3.2 years ago, drunk girl totalled my car. took forever to wrap up, but now the court settled, and her insurance is ready to pay out, only now they are demanding DMV proof of ownership for the vehicle that was towed and signed off to junkyard 3+ years ago. DMV was contacted, they don't offer... View More

John Michael Frick
John Michael Frick
answered on Sep 5, 2023

This is not an unreasonable request since proof of ownership is an essential element of proof in your case. Your copy of your certificate of title ought to be sufficient.

2 Answers | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Massachusetts on
Q: Was in a car accident, insurance company didn’t cover me because they came to the conclusion I was doing gig work.

At the time of the accident, I was actually on my own time, not having any active orders assigned to me by Instacart. The app was opened in the background on my phone, but I wasn’t paying any attention to it. I was heading back to the supermarket to use the facilities when the accident occurred.... View More

Tim Akpinar
Tim Akpinar
answered on Aug 30, 2023

A Massachusetts attorney could advise best, but your question remains open for a week. Carriers can consider gig work to be non-personal use. An attorney could advise better with a copy of the carrier's denial. Good luck

View More Answers

1 Answer | Asked in Insurance Defense and Collections for Ohio on
Q: car totaled out money payment sent to me, do I have to give back to insurance company.

car got stolen & totaled, my insurance co paid me a month ago, now says that it was in error that it should have went to finance company instead. i have spent the majority of the money. what can I do legally? can they prosecute me?

John Michael Frick
John Michael Frick
answered on Aug 23, 2023

They probably cannot legally prosecute you but you remain liable to your finance company for the balance owed on the car.

1 Answer | Asked in Insurance Defense for Texas on
Q: A hospital found a lien against me for $99,600 my insurance settlement is $100,000 how can I make them honor chapter 55
John Michael Frick
John Michael Frick
answered on Aug 21, 2023

Provide the hospital with a copy of the settlement agreement. In most instances, they will honor the limitation imposed by Chapter 55 and accept $50,000 on their lien claim.

1 Answer | Asked in Insurance Defense for Minnesota on
Q: Hi My insurance company told me July 1, 2023 that I need to paint my house by 12-3-2023 or they will cancel my policy.

I am in Minnesota and I have been unable to find a painter that is not booked out until the end of our season. I do have a letter from a painter who said he can paint my house first in the spring.

Tim Akpinar
Tim Akpinar
answered on Aug 15, 2023

A Minnesota attorney could advise best, but your question remains open for three weeks. You could reach out to attorneys, but as a practical matter, your options also include continuing to seek a painter or another insurance carrier. Good luck

1 Answer | Asked in Consumer Law and Insurance Defense for Florida on
Q: I have final settlement check for my hurricane damage. The final check was not given to me by my own lawyer.

continued.. How can I demand the check. No explanation was given to me and no answer was provided to me when I signed and completed settlement paper. No settlement check was given to me. My house was fixed but there's still pending check due to me that was not given to me by my own lawyer.... View More

Terrence H Thorgaard
Terrence H Thorgaard
answered on Aug 10, 2023

Your post is not very clear. Apparently, your attorney hasn't responded to your communications. If you have the check, it's made out to you and your attorney, and your attorney endorsed it, there should be no problem with your depositing or cashing it.

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Mississippi on
Q: Ins is contacting the repair company I got an estimate from after I have demanded them to not contact them, what to do?

This is the ins of the vehicle that rear ended my vehicle and they are trying to negotiate the repair shop down and have them do the work in a manor that is not to the proper course of repair and bring my vehicle back to pre-loss condition.

Tim Akpinar
Tim Akpinar
answered on Aug 7, 2023

A Mississippi attorney could advise best, but your question remains open for two weeks. It's not uncommon for insurance carriers to be in contact the collision shop. The property damage adjuster could be interested in seeing the damage up close. Good luck

1 Answer | Asked in Health Care Law, Insurance Defense and Social Security for Tennessee on
Q: How do I secure Health Insurance for my toddler child who has yet to receive a social security # or birth cert?

- She was a home birth

-I have a notarized affidavit of birth

- I have applied by mail for a social security card over 7 months ago with no response.

- I have gone to the TN hall of records to apply in person but they were unable to help me at the time with out a “well... View More

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Aug 6, 2023

Consultation with a Tennessee attorney or local agency specializing in these matters would be advisable to understand the specific requirements and expedite the process given your child's immediate medical needs.

Sincerely,

James L. Arrasmith

Founder and Chief Legal...
View More

1 Answer | Asked in Products Liability, Collections, Insurance Bad Faith and Insurance Defense for Virginia on
Q: What should I do, enterprise wants me to pay them 14000 for damages to a vehicle I wrecked in Mexico a year ago.

Got into an accident in my truck.

Insurance paid for a rental car.

I went to Mexico in the enterprise rental car.

Got into an accident.

Enterprise had the vehicle transported to El Paso, Texas.

Enterprise tried to bill my insurance company, they denied the... View More

Joel Gary Selik
Joel Gary Selik
answered on Jul 25, 2023

Among other issues, what may be relevant is why your insurance company denied the claim.

1 Answer | Asked in Civil Rights and Insurance Defense for Tennessee on
Q: what is the penalty for a courts failure to appoint a guardian adlightum for a minor with infant? /
Anthony M. Avery
PREMIUM
Anthony M. Avery pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Jul 17, 2023

That is the Court's prerogative. The minor can file a request for a rehearing or even an appeal, but was the motion made? The minor apparently either needs an attorney or represent himself.

1 Answer | Asked in Insurance Defense for Maryland on
Q: Windshield crack at dealership

I was recently leaving a Car Dealership for an unrelated issue when an adjacent Lawnmower kicked up a stone and cracked my windshield. The garage put clear gel but a few days later the crack spread up the glass. Im am of the opinion that they must now replace e windshield and that I will have no... View More

Mark Oakley
Mark Oakley
answered on Jul 15, 2023

The owner of the lawnmower is liable, not the dealership, unless the dealership employed the guy mowing the lawn. This type of damage/incident is what is covered under your comprehensive insurance coverage. Call your insurance company.

2 Answers | Asked in Insurance Defense, Car Accidents and Personal Injury for Mississippi on
Q: Guy ran a stop sign causing me to hit him. He was 100% at fault. It totaled my vehicle. He has full coverage insurance.

The insurance company does not want to pay me. Also stating that I owe them money. Is this right? They've sent me a demand letter.

Arthur Calderon
PREMIUM
Arthur Calderon
answered on Jul 13, 2023

It definitely sounds like you need to get with an experienced personal injury lawyer to talk about the facts and circumstances of this case, especially since your vehicle was totaled and the other driver ignored the stop sign. Feel free to reach out to any lawyer on here by clicking the contact... View More

View More Answers

1 Answer | Asked in Products Liability, Traffic Tickets, Insurance Bad Faith and Insurance Defense for Florida on
Q: I recently purchased a 2021 BMW X5. They didn't disclose vital information to me

I told the car lot I was specifically looking for a car for my wife that had the front end collision prevention all the safety features available.

They showed me the X5 told me the vehicle would automatically apply the brakes if its getting too close to an object/person ran out. This was... View More

Maurice Mandel II
Maurice Mandel II
answered on Jul 8, 2023

Sorry to hear about your problems. Sounds like you need a product liability attorney. I recommend you contact several attorneys in your area that practice this type of law, as soon as possible. Thank you for using Justia ask a lawyer.

1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Traffic Tickets for Arizona on
Q: Sold my vehicle last year(I have bill of sale)& buyer never registered it & acrewed 3 no insurance tickets in the it.

I since have had my license suspended and an sr-22 put on me because of the buyers failure to transfer the title in their name or register it. Why do I have to pay for their mistakes.

Maurice Mandel II
Maurice Mandel II
answered on Jul 8, 2023

Not 100% sure of AZ law, but in CA, on sale, the seller sends a notice of transfer to the DMV in order to give notice of the sale of the vehicle. I recommend you contact several attorneys in your area that practice this type of law, as soon as possible. Thank you for using Justia ask a lawyer.

Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.

The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.

Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.