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Michigan Insurance Bad Faith Questions & Answers
1 Answer | Asked in Business Law and Insurance Bad Faith for Michigan on
Q: May an insurance agent explain a competitor’s policy?
Tim Akpinar
Tim Akpinar answered on Feb 9, 2020

If you're asking as an agent, it might be best to comply with standard operating procedures provided in company handbooks. Even though the industry is fairly transparent and everyone knows each other's product lines and pricing, following company protocols is the best bet. Good luck

Tim...
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1 Answer | Asked in Car Accidents, Insurance Bad Faith and Personal Injury for Michigan on
Q: Can I get a new claim representative if the one I have is being difficult to work with
Tim Akpinar
Tim Akpinar answered on Oct 19, 2019

You could ask for one if there is something very acrimonious in the chemistry in your working relationship. But for the most part, the role of a claim rep is adversarial to the claimant. The claim rep is not there to be a mentor or friend. Claim reps are highly intelligent, analytical, and... Read more »

1 Answer | Asked in Insurance Bad Faith for Michigan on
Q: I purchased a car from a reputable dealership which connected me to an insurance agent. The policy was fake. What next?

The sales rep at the dealership called an insurance agent for me, I've been paying for insurance but i don't have a real policy.

Tim Akpinar
Tim Akpinar answered on Oct 18, 2019

A Michigan attorney could answer best, but your post remains open for four weeks. Contact the agent. Any licensed, reputable agent would take urgent steps to correct the matter. If there will be problems in setting up coverage with them, seek alternate insurance. By now, you've probably already... Read more »

1 Answer | Asked in Business Formation, Consumer Law and Insurance Bad Faith for Michigan on
Q: Can a Financial Institution in Michigan add "Forced Place Insurance" on an Auto loan in light of the Wells Fargo suit?

On August 20, 2015, I entered into an Used Car Loan with People's Driven Credit Union (PDCU) in Southfield, MI for less than a $20k loan at 2.49% via Champs Auto Sales in Detroit, MI. My down payment was $5k & for six months I made timely payments of $420 ($2,520) then PDCU Forced Placed Insurance... Read more »

Adam Alexander
Adam Alexander answered on Apr 20, 2018

If your auto loan has a provision permitting forced-placed insurance it is likely legal and enforceable. Did you let your insurance policy lapse? Or did you not carry the minimum amount of coverage called for in the contract? If so, the CU may be able to force it. I would have to read the contract... Read more »

1 Answer | Asked in Contracts, Estate Planning, Insurance Bad Faith and Consumer Law for Michigan on
Q: Does "best of my knowledge and belief" also cover recollection?

*****I am in the process of applying for life insurance.*****

During the process, I am asked to provide fairly detailed answers to the health questions (dates, numbers of dosages taken, etc.). And, some of the answers are about things that happened 15 or 20 years ago. At the end of the... Read more »

Kenneth V Zichi
Kenneth V Zichi answered on Jun 23, 2017

If you told them "I don't know" and they pressed you to provide an answer anyway, they are probably not to be trusted.

If you said 'I don't know exactly' and they said 'can you provide an approximate time frame' that would be appropriate.

It is hard to say exactly what is going...
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1 Answer | Asked in Insurance Bad Faith, Personal Injury, Criminal Law and Real Estate Law for Michigan on
Q: ARSON: New home being built, no insurance coverage when someone burned it down. Total loss. ????

No one was hurt, or there at the time. We were coming home from vacation, and have a hunch who may have done this, but no real proof. Not enough, anyway, but to me, it checks out. Just not to police. This was a home we were totally redoing, so tools/ladders and tons of new wood, doors, windows,... Read more »

Peter N. Munsing
Peter N. Munsing answered on Jan 26, 2017

If you had a contractor their insurance might cover. Talk to your CPA about a big casualty loss deduction on your tax return--may have to file an amended (for 2015) if you didn't claim it

1 Answer | Asked in Insurance Bad Faith for Michigan on
Q: Auto insurer told me I was covered. Crashed. Told I wasn't covered retroactively. Any legal precedent I can cite?

I called my insurer and a representative assured me I was covered internationally. Swerved to avoid a car in my lane and collided with a hedgerow. Filed a claim with my insurer who informed me I was not actually covered. If I had known this I would have taken out additional insurance on the rental.... Read more »

Adam Studnicki
Adam Studnicki answered on Feb 6, 2016

You might have a case. Talk to a local bad faith or injury lawyer.

Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is only general information. It is NOT legal advice, and it may not work for your specific situation. It is impossible...
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1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Car Accidents for Michigan on
Q: i was rear ended and have full coverage insurance ,insurance co doesnt want to pay cost of fixing auto.

my deductible is 1000.00 i reported the accident and another dent on the same day to my ins carrier,they wrote it up as 2 claims. i didnt know it would be 2 claims,now they wont pay because each claims are under my deductible of 1000.00. they did not explain that to me,that it would be 2 different... Read more »

Adam Studnicki
Adam Studnicki answered on Nov 13, 2015

Sounds like the occurrences were difference. Check your policy.

Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is only general information. It is NOT legal advice, and it may not work for your specific situation. It is impossible to...
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1 Answer | Asked in Insurance Bad Faith for Michigan on
Q: Does Michigan Law allow Direct Action of the third party against the Insurer ?
Adam Studnicki
Adam Studnicki answered on Jul 30, 2015

More information is needed to answer. Talk to a local insurance bad faith lawyer.

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