With the policy not naming any contingent beneficiaries, the insurance company must issue a check for the policy proceeds to the Estate of the decedent. It would be bad faith if the insurance company issued the check to you and/or your siblings personally.

The executor of the... View More

A Texas attorney could advise best, but your question remains open for over two weeks. You ask many good questions, but a meaningful response would result in a memo several pages in length. It isn't clear if you are represented by an attorney. If you are, these are things to sit down and... View More

There are different types of insurance. The law requires the driver of a motor vehicle to carry proof of liability insurance and provide it upon request to a police officer. This is what you can get a ticket for. It would be very unusual for a lender to provide this type of insurance.... View More

A Texas attorney could advise best, but your question remains open for two weeks. An attorney consult might be a starting point in sorting this mess out - depending on your policy, the terms of releases signed by the company, their original work contract (and any change orders), your insurance... View More

A claim for misrepresentation of the terms of the workers’ compensation insurance policy is really the only potential claim for bad faith by a workers compensation insurer in Texas. Your question does not indicate a misrepresentation concerning the terms of your workers' compensation... View More

A Texas attorney could advise best, but your question remains open for three weeks. Your question presents things that need to be sorted out for an attorney to advise meaningfully. Who is "he," the person who dropped your coverage? Why weren't you the one in dialogue with the carrier... View More

An insurance company does not make "rulings." Its position may be that your wife is 50% responsible, but that is not a "ruling." If the amount in controversy is less than $20,000, you can sue the other driver in small claims court to secure a court ruling allocating the... View More

You may be able to do small claims, depending on the PD figure and the limit in Texas small claims. I hope your wife is okay. Since the claim does not appear to involve bodily injury, you could decide if the size of the property damage claim justifies having an expert look at the film to offer an... View More

I'm sorry for the ordeal resulting from your accident. You could look into whether it's possible to line up a free initial consult. Your brief post doesn't mention injuries. Whether your matter involves property damages only, or property damages and bodily injury, that could make a... View More

Our justice of the peace courts have jurisdiction over small claims where the amount in controversy does not exceed $20,000. The principal advantage of small claims court is that you do not need an attorney to file a lawsuit. Since you "have no money right now," this is probably your... View More

Under the Texas Prompt Payment Statute, insurance companies have a fixed amount of time to accept or reject a claim from a policyholder, or to request additional information. In the latter case, they have 15 days from the date that they receive the requested information. Failure to comply can... View More

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answered on Apr 12, 2025

This is a really important question, and you're right to want a clear explanation—especially when you're doing your best to care for your granddaughter. In Texas, even though life insurance benefits usually go directly to the named beneficiary and bypass probate, the situation changes... View More

A Texas attorney could advise best, but your question remains open for two weeks. I'm very sorry about the loss of your mother. If the amount of the claim form duplicates what you already paid, it would seem that the money would go to you as reimbursement. Maybe a quick call with your... View More

This is really not a legal question. It is a medical question. Various medical associations stress the importance of quitting smoking 4-6 weeks before having surgery (except in an emergency) to reduce the risk of wound complications. This is a standard surgical protocol.

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answered on Dec 15, 2024

In most cases, F-1 students are not eligible for Premium Tax Credits (PTC) through the Health Insurance Marketplace because you need to be a U.S. citizen or have lawful permanent resident status to qualify.

If you're on an F-1 visa, you typically have different healthcare options... View More

Yes. A request for a copy of the accident report is reasonable. An insurance company can delay payment until a reasonable request for additional information from the policyholder is satisfied.

A Texas attorney could advise best, but your question remains open for a week. It's possible she could, but an attorney could advise more definitively after learning about the nature of the misleading actions (fraud, misrepresentation, etc.). One option could be for your sister to try to... View More

A Texas attorney could advise best, but your question remains open for a week. Sometimes hospital social service staff could help with insurance reimbursement issues. Good luck

A Texas attorney could advise best, but your question remains open for three weeks. Until you are able to consult with a local attorney, the carrier's claims personnel could sometimes liaison with providers to resolve coverage issues. Good luck

A Texas attorney could advise best, but your question remains open for two weeks. You could look into the Texas Department of Insurance, Good luck