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Texas Insurance Defense Questions & Answers
2 Answers | Asked in Insurance Defense and Car Accidents for Texas on
Q: What can a person do if they didn't take my insurance 2 months ago after I hit their car! And now asking me to pay it

Said he wanted to fix car but car hasn't worked in a year for his wife to get out his truck now sayin he will 2000 on trade in value so he wants 2000 and he wants to scrap the car but he never took my insurance the day of the accident it's been 2 months since I heard from the guy until... Read more »

Peter N. Munsing
Peter N. Munsing answered on Sep 5, 2017

You owe him cost of repairing the damage you did or the total loss value, whichever is less. If you want to contest it tell him you will pay cost of fixing what you did. If that is less than 2000, offer that. If it's more than 2,000 you may be getting a deal.

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1 Answer | Asked in Insurance Defense and Car Accidents for Texas on
Q: Insurance company said my truck is totaled and it is still drivable. Do I have the right to second opinion?
Peter N. Munsing
Peter N. Munsing answered on Jul 12, 2017

Totaled means the cost of fixing is more than the book value.It could be driveable but because of age it's book value is low. They aren't required to pay more than book value. Example: you own a 67 Dodge dart, good to 240,000k You have 120k and they offer you book value of $300. If... Read more »

1 Answer | Asked in Personal Injury, Traffic Tickets, Car Accidents and Insurance Defense for Texas on
Q: IF AN INSURANCE COMPANY ADDED AN "EXCLUDED DRIVER" TO SOMEONE'S POLICY.. WITH THE WRONG NAME, BIRTH DATE, & RELATIONSHIP

WHO WOULD BE AT FAULT? THE "EXCLUDED DRIVER" WAS NEVER MEANT TO BE ADDED.. BUT ONLY GIVEN A QUOTE OF AN ADDED DRIVER, WITH NO RELATION TO THE INSURED DRIVER. A FRIEND ADDING A FRIEND BASICALLY. THE INSURED DRIVER HAS BEEN NOTIFIED TO SEND "PROOF" OF THE WRONGFULLY ADDED EXCLUDED... Read more »

Peter N. Munsing
Peter N. Munsing answered on Feb 7, 2017

If the excluded driver wasn't driving they can't get all technical when the crash happens. Makes sense to talk to a member of the Texas Trial Lawyers who handles bad faith. In the meantime, confirm what they are doing--that they agree the car was driven by the person who had the policy;... Read more »

1 Answer | Asked in Insurance Defense for Texas on
Q: If a Will and a Power of Attorney are exacuted at the same time are they both legal?

My brother-in-law left a Will and a Power of Attorney. He named my husband as his agent in the Power of Attorney and left some else as executor of his Will. Does the Will revoke the POA?

Nancy Hui
Nancy Hui answered on Oct 29, 2014

No. Power of attorney is in effect only while the principal is alive. Once the principal dies, Power of attorney automatically terminates. A will on the other hand governs how/to whom the person wants his assets to go after death. There are no conflicts wth these two documents.

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