Get free answers to your Insurance Bad Faith legal questions from lawyers in your area.
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
My husband's son passed away at 50 years old after days ago and we found out that he had named his insurance agent his beneficiary is that legal
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
Does someone need to be notified of their right to file a claim & what the deadlines are before statues can begin?
answered on May 21, 2022
A Texas attorney should advise here, since statutes of limitations are governed by state law. But your question remains open for two weeks. In virtually all jurisdictions, statutes of limitations usually use the day of the accident as a reference point. A local attorney could provide specific... View More
Progressive hired an attorney ASAP because I'm an investigator & told them I knew insurance tactics. The adjuster had already low balled the damages. The 5th Wheel is under warranty & parts are in short supply. Nobody was hurt in the accident except my daughter is having nightmares... View More
answered on Apr 2, 2022
A Texas attorney could advise best, but your question remains open for three weeks. I'm sorry for the stressful situation this accident has placed your family in. Unfortunately, as you have seen from your efforts, it is difficult to retain an attorney on a contingency basis when there are no... View More
Hello on Sept 17,2021. Two of my personal vehicles and my sons truck he was test drive for the week but was in were involved in a hit and run . The driver took off and they found the vehicle a couple of streets down and 2 houses from were they live. Police report was done. Sept 20 is when I spoke... View More
answered on Feb 24, 2022
A Texas attorney could advise best but your question remains open for three weeks. You could place the matter into suit, or contact an attorney to do so. You and the carrier would then proceed with the claim through the court system. If you have a denial from the carrier, that would be helpful.... View More
I have the email where I asked her to do other things, that she did, but did not insure the barn. We also have a clause that outer buildings are insured but they will not pay.
answered on Feb 13, 2022
A Texas attorney could advise best, but your question remains open for two weeks. I'm sorry about your fire. It could be difficult to say whether or not you have a case based on the brief description here. What is your carrier's normal protocols for revising policies? Do they modify... View More
I rear-ended another vehicle while working and driving the company vehicle and I am an employee and not a contractor. My employer he's trying to deduct money from my paycheck and I need advice on how to deal with this since the employer is liable for the cost. What can I do to prevent or... View More
answered on Jan 12, 2022
A Texas attorney could advise best, but your question remains open for two weeks. From the standpoint of insurance, your employer should have a commercial policy in effect for the vehicle. That should cover third-party liability claims. I hope you were not injured, but if you did require any kind... View More
I was in a hit and run car accident in September resulting in severe damage to my left foot and left hand. We have met our deductible and out of pocket max with medical insurance due to the surgeries I have required. I will have to pay those again when the new year comes because I am still... View More
answered on Dec 22, 2021
A Texas attorney could advise best, but your question remains open for two weeks. I'm sorry for your aggravation being compounded by the demand for the repayment of cost of your medical services. Unfortunately, these situations can arise where health insurance carriers assert liens against... View More
answered on Nov 12, 2021
That sounds about right. Your auto policy probably covers damage to the vehicle itself (collision or comprehensive coverage) and damage that you cause to other people’s property (liability/property damage coverage). While your home policy covers damage to the home itself and may cover injuries to... View More
Our home in Texas had suffered roof damage due to hail. We opened a claim with insurance company. They delayed sending the check for repairs. Meanwhile the home got sold at a much reduced price. Insurance company later sent the check, but it had both ours and the mortgage company's names.... View More
answered on Oct 18, 2021
A Texas attorney could answer best, but your question remains open for three weeks. If you were represented by an attorney in the sale, they would be in the best position to advise. But as a general matter, you may have signed a release that reflects your acceptance of money damages for the... View More
I have been divorced for a long time. I've recently remarried and I'm updating my insurance beneficiary with Knights of Columbus. They asked for a copy of my divorce decree and replied with this: It appears the divorce decree did not have any information concerning your KOFC policy. We... View More
answered on Oct 13, 2021
1. Because Texas is a community property state, when an insured is/was married, it can cause problems for a beneficiary later on because the surviving spouse can claim that s/he is entitled to some of the policy payout.
2. If you don't pay the premiums, the policy will simply lapse.
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