The adjuster is not releasing his estimate until the homeowner comes up with two other estimates. His claims company is also owned by the insurance company. If one of the contractors offers to do the same job at a price lower than the adjusters’, the insurance company requires that the homeowner... View More 
answered on Aug 28, 2020
A Pennsylvania attorney could advise best, but your question remains open for three weeks. As a general matter, the bidding practices you describe are not that uncommon in the industry, where multiple bids are used to establish the range of costs for repairs or other projects. Larger carriers could... View More
I have business interruption insurance, which seemed like the right coverage to apply for in light of what’s going on, but my insurance company denied my claim. I read through my policy, which says nothing about a virus or pandemic being an exclusion. Not sure what I’m paying for if this sort... View More
answered on Jun 5, 2020
1. Ask for them to put in writing the basis for the denial, and to state the policy section and paragraph. 2. To be sure you have what they have, ask for a copy of a)the entire policy b) the application.
2. If you had an agent that sold you the policy, get them to work on it--sometimes... View More
Personal insurance covered everything when stores should have, so they taking for every doc visit, which still happens frequently. Delays seem to be from our own lawyer at this point, we were told to sign months ago, without being able to see itemized receipt even though we asked for it. The... View More
answered on Mar 20, 2020
If lawyer is out of country and has access to email, that should still enable wrapping up paperwork for case. If you are able to establish email contact and carrier is willing to work with digital scans of releases, lien forms, and other related paperwork for closing out the case, that might be an... View More
My insurance dropped me because I “make too much money” but I never received the notice they said the mailed me. So I had gone to the ER and now I have a $4000 hospital bill. The insurance company said I can’t file a complaint because I am no longer insured under them and the insurance... View More
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answered on Jan 1, 2020
The hospital should have a process where you can apply to have the bill reduced. Call the hospitals billing department
The insurance company, which was funded by the state of Pennsylvania, informed me that my insurance would soon end. I could not afford dental insurance, being widowed and felt that there was no other choice but to have the extractions performed and dentures made. The dentist that they sent me to... View More
answered on Mar 27, 2019
You outline a number of issues here. A starting point might be to see if a Pennsylvania attorney could give you a free initial consultation regarding whether the termination of insurance benefits was proper. Additionally, because of the financial situation you describe, there could be a non-legal... View More
There was 2 separate work-related injuries and none was reported to the State Worker's Comp Board
answered on Jan 9, 2019
Your employer is required to report your work injuries to their insurance company and the State. There are several reporting requirements for both the employer and the injured worker. Therefore, I recommend that you contact a Board Certified Workers’ Compensation Attorney to discuss your... View More
MY RENTAL REINBURSEMENT FROM GEICO IS 1,700 MY CAR WAS CONSIDERED A TOTAL LOST AND THEY ONLY PAID 400 FOR MY RENTAL FEES DO I AM STILL USING A RENTAL TWO WEEKS PRIOR TO MY POLICY BEING CANCELED I WANTED TO KNOW IS GEICO STILL RESPONSIBLE FOR PAYING FOR THE EXTRA TWO WEEKS OF MY RENTAL BECAUSE I AM... View More
answered on Nov 3, 2018
Your car rental under your policy is only for the period when they have not paid you. It ends at that period. If you have 1700 in coverage, they will pay whatever your max is per day toward your bill.
By the way, responsibility under an auto policy continues from the time of the wreck. For... View More
My car, which is financed, was badly damaged due to wet road conditions and is not operable. Because I declined the rental option in my original policy, insurance will not cover a rental car. Still waiting to hear from the insurance claim department. Meantime, I don't have transportation. What... View More
answered on Nov 3, 2018
rental isn't something they have to reopen. You can ask your agent but otherwise you will need to get yourself either a rental or pay a friend to use their car and see if there's a way you can insure it or get a hail damage special.
27 Pennsylvania Bulletin 306131; Pa. Code § 62.3 (E)(4) states “A total loss is settled based upon the pre-loss fair market value of the damaged vehicle plus the state sales tax on the cost of a replacement vehicle.” My brand new 2018 Honda CR-V 1,800 miles 3 week old was totaled. Insurance... View More
answered on Sep 11, 2018
I'll double check that but generally they pay the taxes on the value of the damaged car.
Next question is their damage value. You need to look at your contract --if the insurance says market value was 27 and you purchased for 32 something odd there. Or does the 32 include the tax? If... View More
My auto insurance didn't cover the full amount of her auto damage. I was at fault due to me rear ending her. My car was totaled but the other vehicle I hit was driven from the scene. No personal injuries. My insurance company does have a lawyer but not sure if they are protecting me or just... View More
answered on Dec 18, 2017
If you have property damage coverage and your insurance company has hired a lawyer to defend the case, the lawyer is responsible for defending the entire case, not just the portion of the claim covered by your insurance. You are actually the client being represented, not the insurance company,... View More
I had an IME before a major surgery. Then the employer got a second IME. They now put in a LMS using the first IME opinion because the WCJ and apealant board agreed that there was no error made in the first modification of my benefits. The surgery happened the second IME stated that the surgery is... View More
answered on Dec 12, 2017
There are many potential options in this situation including filing your own petition to Reinstate benefits after the surgery and to Review the description of injury to include the conditions set forth in the second IME. I would strongly suggest reviewing your options with your attorney, and if... View More
We were t-boned at a 4-way stop in PA. We came to a stop, then proceeded. Other driver ran the stop sign and hit the passenger side of our car, which has been totaled. We don't have collision on it (older vehicle). No injuries on either side.
Police responded (station in walking... View More
answered on Dec 4, 2017
They can really do that.
Your only option is to sue. You can go to a magistrate and handle it yourself, without a lawyer. The problem is that the insurance company will almost assuredly appeal to "real" court, i.e., the Court of Common Pleas for the county in which the defendant... View More
Phila.-based electrician's union,
IBEW-98. I alleged that the union
failed to admit me into an apprentice program due to my age of 60, despite very high
written test scores.I reached an out-of-court settlement with the
union for the nominal sum of... View More
answered on Oct 25, 2017
No. They should help you by retracting the document. But it's not misrepresntation.
My wife and I consulted with our health insurance provider to see what our costs would be to do a home birth with a mid wife. We went over figures related to our plan and what we anticipated. We decided to do the home birth because the consult with our insurance company determined that we would get... View More
answered on Sep 8, 2017
You would need to consult with a lawyer to answer this question. A lawyer would presumably want to review your plan and any correspondence. An office conference would be necessary so that you could discuss with the lawyer all things that transpired and any conversations that you had with the... View More
answered on May 21, 2017
Clearly the driver is responsible. The matter would have to be reviewed by a lawyer to determine if there is a case against the owner for what is called "negligent entrustment," and/or, if the driver was drinking at an establishment which held a liquor license, if there is a case against... View More
said employer changed their insurance provider, on 1/12/2016 I had to have knee surgery that left me unable to work at this time. Now this new insurance provider is denying my short term disability claim, they are labeling it as a preexisting condition because I saw a doctor for it on 12/08/2015. I... View More
answered on Feb 20, 2016
Unless the knee is a work injury, this is not a workers' compensation question. If the knee is as a result of a work injury, it should not be submitted to short term disability. A workers' compensation claim should be filed.
If they just decline the inheritance, does their father get to claim the house? All four people want the father to end up with the house, and no record of ownership for the grandchildren.
answered on Mar 14, 2014
If the deceased grandmother wrote a Will leaving the house to the three grandchildren and they renounce the bequest, the house passes as part of the residuary estate (that is, the balance of what is left). The father does not get the house automatically simply because the grandchildren renounce.... View More
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