In Colorado law

answered on Aug 25, 2023
No. Like most US states, neither Colorado nor Texas allow direct actions against another person’s liability insurance company
In Colorado law

answered on Aug 26, 2023
Unless your causes of action are based on bad faith or other theories against the carrier, motor vehicle accident lawsuits are generally against the wrongdoer. In most states, this means the operator and registrant are named in the suit. If you have additional details that aren't included in... View More
I broke my right hand fingers in May and lost my Job in June and have been seeing a doctor and physical therapy to get my hand back and lost my insurance I'm July and they said thru don't have to cover any more medical treatment after July.

answered on Aug 11, 2023
Yes, the insurance company can stop paying if you did not elect to continue your health insurance after losing your job. You do have 105 days from the date your employee health coverage ended to complete and submit your COBRA Election form with your premium payment. Your employee health coverage... View More

answered on Aug 7, 2023
It is unclear from your question whether any claim of child abuse has been lodged, and further, whether the photo somehow includes a child whose custody is at issue. Evidence takes many forms both in civil matters and in family law cases. If a photo is properly authenticated (taken at the time... View More
Was wondering if this is an all encompassing clause? My house became contaminated by some sort of fumes related to criminal activity as some squatters/drug dealers moved into a nearby abandoned house and cooked up something that got into my vents and the whole house. I've dealt with the police... View More

answered on Jul 14, 2023
There are different types of pollution exclusion clauses, and various exceptions depending upon the type of clause in your policy.
One very common exception that may apply is the hostile fire exception. This often applies to smoke or fume damage when the source is an incident away from... View More
I live in Texas and have an insurance from Texas as well. I was visiting my wife in Arizona and she got in accident driving my car. The insurance company asked me for proof of ownership of the vehicle I sent them a bill of sale for a full purchase date 02/08/2023 as I paid half of the price to my... View More

answered on Jun 21, 2023
I would send the insurance company a copy of your car title and registration, and ask it to reconsider.
A bill of sale can be easily falsified or manufactured, particularly if a relative is involved.
The actual certificate of title is what shows who the actual owner of a motor... View More
Stowers someone for over policy limits

answered on Jun 10, 2023
An email can be effectively used to transmit a Stowers demand to an opposing party’s insurance company.
The benefit of certified mail is you have clear documentation of delivery.
But you can also request a delivery or read receipt to an email. And often, the recipient will send... View More
They sent me expired notice to get total loss vehicle it arrived 5:48.pm of day the letters expired and they are staring abandoned processing. They sent a letter saying total loss and getting approval for ACV check then waited 21 days to tell me no and get my vehicle off there lot and ok pay them... View More

answered on May 31, 2023
Your legal rights and responsibilities depend heavily on who was at fault in causing the collision and resulting damages. If there is no agreement on this fundamental point, you will need to file a lawsuit so that a judge or jury can make that determination.
Your insurance policy is a... View More
In this case other party ran a red light resulting in collision accident, but claim was denied by at fault driver insurer in that there was no witness at the scene- but never deny the fact that the other driver ran a red light!
other party claimed couldn't speak English and Police... View More

answered on Apr 15, 2023
Texas does not allow a direct action against another driver’s insurance company. Sue the other driver directly. The other driver can then demand that his insurance company defend him and indemnify him from any judgment.
Our JP courts have jurisdiction up to $20,000. If the damage to... View More
And financing $3000 on my premium policy

answered on Mar 9, 2023
I suspect police will tell you this is a civil matter. Because such a small amount of money is involved, a civil claim for this amount falls within the jurisdiction of Texas justice of the peace courts. Such courts handle “small claims” where the amount in controversy is less than $20,000.... View More

answered on Jan 7, 2023
The statute of limitations is the period of time within which the homeowner must file a lawsuit against the insurance company.
Separate and apart from the statute of limitations, the Prompt Payment Act requires an insurance company to respond within a specific time to a claim made by the... View More
My medical records related to auto injuries keep 'disappearing'. Ive been denied medical treatment for auto related injuries and constantly undermineded without any explanation. Now that I know, my insurer is admitting they made identification errors during the claims process and is fully... View More

answered on Jan 5, 2023
A Texas attorney could advise best, but your question remains open for three weeks. It isn't clear why false allegations were made against you - unless you mean the matter was escalated to a SIU (Special Investigations Unit). It looks like there could be a number of issues to sort out here -... View More
Fortune 100 employer, ERISA policy. Sent written requests to Sedgwick 3x, 1st was 11/22. Will not return my calls. Employer states Sedgwick provides copy of policy/Summary Plan. Sedgwick advised STD policy exhausted from previous unrelated LOA; apply for LTD via Lincoln. Without policy & files,... View More

answered on Dec 28, 2022
Under ERISA, the plan administrator (usually your employer) is required to provide plan documents to you within 30 days of your request. With both your employer and the insurance company refusing to provide you anything, you may need to get an attorney involved. Feel free to contact my office and... View More
If liability is disputed in intercompany arbitration will the insurance company notify the insured of the arbitrators decision?

answered on Dec 9, 2022
In a typical automobile liability insurance policy, the insurance company has both the right and the duty to defend the insured driver.
It is not typical in intercompany arbitration for the insured to be notified of the award
I have two full time jobs and have full health insurance through both BCBS and United Healthcare. Both are refusing to pay because each claims i am primary on another policy. Each is trying to subvert themselves as secondary under ther other. This seems illegal

answered on Dec 9, 2022
There are rather complex rules called coordination of benefits which address the situation when a patient has coverage under two health separate health care plans. These rules resolve which one is primary and which one is secondary.
It is definitely legal. There are a number of... View More
My two adult sons were in an accident with each other. They're covered under my policy. Fault is clear, 1 rear-ended the other. Police came. No tickets. No injuries. Straight forward.
I was not involved nor did I know about the accident for a few days. I told the insurance that when I... View More

answered on Dec 8, 2022
A Texas attorney could advise best, but your question remains open for two weeks. It's possible that both vehicles in the accident being from the same family raised red flags. You could consult with an attorney to review the file. The carrier could be building evidence for a denial, they could... View More
The insurance company denied my claim that’s why I am suing for an independent analysis of the accident.

answered on Dec 3, 2022
In a typical automobile liability insurance policy, the insurance company has both the right and the duty to defend its insured in any lawsuit triggering coverage under the policy.
In those cases where the insured fails to notify the insurance company of a lawsuit and a judgment is entered... View More
They have denied the claim based on a line in the contract that says they will not cover water damage resulting from the release "from within any portion of a plumbing or automatic fire protective sprinkler system that is either: below the surface of the ground, or within or below the slab or... View More

answered on Oct 12, 2022
What is covered by your particular homeowners policy depends on the language of the policy. There are a few different forms of HO insurance available and approved for use in Texas.
The ISO HO 00 03 policy as amended by the Special Provisions-Texas endorsement does not include coverage for... View More
What should my lawyer be doing to resolve this matter. The para legal said they did receive an email from the defense attorney to discuss the lawsuit before the deadline but she said she is working with my lawyers to figure out what is going on. Are my lawyers just being negligent, shouldnt they... View More

answered on Aug 25, 2022
A Texas attorney could advise best, but your question remains open for two weeks. In all fairness to your attorney, they may be working toward trying to discuss the claim. You mention the paralegal receiving an email from defense attorney. Based on these brief facts, no one here could say and no... View More
before passing away in Feb 2022. Prudential is telling me (her Executrix) that even though she started a claim and outlived her father, her estate is not eligible for the proceeds because the 1992 policy had an "automatic mode of settlement" that paid only the 3 living persons.

answered on Jul 25, 2022
I expect the answer to your question lies within the language of the insurance policy itself. You would need to meet with an attorney and have him or her review the documents in question. If you are on good footing and the insurance company is in the wrong, then you will probably need to open an... View More
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