3 policies purchased in the 70s
beneficiary was changed twice, lastly to my dads oldest son
they had a falling out about a year prior to his death
dad changed his will to exclude his son from getting anything
multiple people including non family members know of the... View More 
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answered on Aug 22, 2023
You will need to check the exact insurance beneficiary designation. Only if it went to the decedent's estate would it go through his will. Usually the designated beneficiary gets the money and it does not go through the estate. A disinheritance in the will does not effect an insurance... View More
I was with State Farm for 12 years, no incidents or claims. This summer I drove my husband’s truck to the beach, on the way the ac went out. My brother met us in Alabama for the weekend, he said he’d take the truck to have the ac fixed (I’d just gotten it out of the shop for 8 months waiting... View More
answered on Jan 10, 2023
Yes they can although it seems to me to be a bad business practice for State Farm. If State Farm is not doing what it should from an insurance (coverage) standpoint as it relates to any of the incidents you describe, then please contacgt a lawyer in your area and discuss your options. Good... View More
UNUM is saying cancer4 is not a critical illness,and prostate is
not a major organ. on my policy on page 5, and 21;22
say cancer is covered. And on UNUM website say
a critical illness policy cover cancer.
answered on Jan 9, 2023
A Louisiana attorney could advise best, but your question remains open for three weeks. I'm sorry for your ordeal. You could reach out to health care attorneys to try to set up a free initial consult to discuss your best options in terms of challenging the denial - litigation or other means,... View More
The insurance company says we had no damage. We of course have damage and have proven so in a 42+ page list of damages, etc from a qualified adjuster, etc. it is currently sitting in the LA E District Court. Both parties were given an order and “forced” to settle or mediate within 6 weeks from... View More
answered on Aug 27, 2022
A Louisiana attorney could advise best, but your question remains open for three weeks. It would be helpful to see the court's orders and accompanying papers. But as a general matter nationwide, if court-ordered mediation fails, a matter could move back on the trial calendar. Without seeing... View More
I got into a wreck on the afternoon of 12/17. Fault wasn't determined at the scene, and no tickets were issued. I didn't immediately file a claim with my insurance due to stress and mental health issues (it was the 5-yr anniversary of my dad's death). I also needed to get a microSD... View More
answered on Jan 6, 2022
You should contact an accident/injury lawyer in your area to specifically discuss your matter-----most attorneys who receive calls and inquiries about this subject matter will provide a free/complimentary consultation.
Insurance company fighting to not pay when foundation is compromised
answered on Jan 5, 2022
A Louisiana attorney could advise best, but your question remains open for three weeks. The dispute you describe sounds like it met an impasse between your assertion for a new foundation and the insurance carrier's position. One option may be to reach out to Louisiana attorneys to determine... View More
I filed a claim for scratches the insurance company wants to total They are not giving me enough money to buy a new car And a salvage on my on my six-year-old car would leave me uninsurable
answered on Dec 6, 2021
A Louisiana attorney could advise best, but your question remains open for three weeks. It could depend on their standard policies. The determination to total out is generally based on certain thresholds, where a carrier would not pay for repairs beyond replacement cost based on market value... View More
There is a document put out by BCBS Louisiana Policy #00583 that details when the surgery should be covered for TMJ due to medical necessity and BCBS is still denying it... what are my rights?
What can I do?
answered on Oct 13, 2021
A Louisiana attorney could answer best, but your question remains open for three weeks. If the surgery pre-authorization you're talking about has provisions for appeal, you could discuss with your oral surgeon what an appeal would entail. At the very least, they would probably need to present... View More
answered on Oct 12, 2021
That is a good question. I am inclined to say that unless you can show the the damage caused by the hail was due to the negligence of a 3rd party, then there is no recovery for diminution in value claim. Another way to look at this is that if you are making the claim against your own insurance... View More
answered on Oct 6, 2021
I think more information is needed to properly answer this. That said, I would not say there are treble damages available, however, depending on the circumstances, an insurance company can be found liable for attorney's fees, penalties and interest for bad faith actions---two statutes which... View More
My mom and aunt share a name and birthday, different years, she claims her insurance was canceled in 2018 because they thought she was my mom who died in 2016. Her insurance Risa asking for my moms death certificate to reinstate her . I assumed her ssn would be enough .
I have been told that I have burglary coverage, but not theft coverage and that is why they cannot honor my claim. The "theft" occurred inside my locked door to my apartment bedroom. The representative told me because there is no proof of forced entry into my room it is therefore, theft... View More
answered on Mar 25, 2021
Burglary can be of a "dwelling" not a "room". But it does not require forced entry, only unauthorized entry.
3 roofers have said I need roof replaced. Two insurance company’s contract inspectors have told my roofer that it needs replacement but co still denies my claim.
answered on Jan 28, 2021
Get written estimates for roof replacement. Make sure that estimates state: "due to hurricane damage". Send certified letter, return receipt requested, or fax, with estimate to insurance company.
The person who hit my car gave fake information to the officers and had no insurance. They have no license either.
answered on Dec 4, 2019
That's what your UM insurance is for, unless it was a minor or using an insured driver's vehicle.
How do i file for trial
I submitted them on the June 21,2018 and again on the July 25, 2018 because they claim they were to light. Never had a problem before .
answered on Aug 3, 2018
Is this your insurance company or the other driver's company?
Our church is being sued for a "trip and fall" and our policy has been cancelled for "failure to maintain our building". But no one has come to investigate the situation at all. it is as if the insurance company is taking the plaintiffs word on the matter. I am very frustrated.... View More
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answered on Aug 24, 2017
You should consult with an attorney. It is odd that the insurance company is cancelling the policy for failure to maintain the building. Typically, policies are challenged by the carrier if there is a misrepresentation or a failure to pay the premium. There may be a way to force the insurance... View More
If I hire an attourney and it is proven that I do need this procedure, do I pay out of pocket or does my insurance cover my attourney costs.
answered on Dec 13, 2016
Depends on your state's law regarding "bad faith" . Contact a member of the Louisiana Assn for Justice who handles insurance bad faith. In the meantime be sure they put the reason for their denial in writing.
Can I file a claim against my own insurance company and use that money to purchase a new vehicle?
answered on Jun 30, 2016
Assuming they paid for the damage to the car, you can't file a second claim for the same thing--look at your policy.You would have a claim for your injury so contact a member of the La. Trial Lawyers Assn--they give free consults.
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