Matthew Lane Kreitzer's answer Depending on the value of the home, whether there was a mortgage on the home, and how the home was transferred there is a strong probability that additional steps must be taken to manage the home and not have any adverse consequences down the line. You should schedule a meeting with a Probate Lawyer.
Peter N. Munsing's answer Talk to the lender. If yoiu still owed for sure they would let you know. But if you still owe, then call Gap, ask for a supervisor, explain what happened and as you are the insured,policy holder they must speak with you. If you get no satisfaction contact the Colorado AG's office of Consumer protection & the insurance commissioner. Send a written demand (hard copy) to GAP certified return receipt demanding they pay.
Use the Fair Credit Reporting Act to explain you had coverage but...
Richard Sternberg's answer Yes. You can take them to General District Court through a small claim. You may want legal counsel to act as an attorney advisor in teaching you how to prepare and try the matter, but the legal advice could cost a fairly large portion of the amount of your present claim.
F. Paul Maloof's answer I think your next step is to contact the Office of the Attorney General of Virginia and make a formal complaint. They can investigate your claims and bring an action if they find a violation of your rights, and more importantly, they do not charge for their work. If you cannot get satisfaction from the Office of the Attorney General, you may have a right to bring a civil rights lawsuit in a federal court in Virginia.
Peter N. Munsing's answer Big question in these cases is when you knew of the bad faith. Members of the Va. Trial Lawyers Assn give free consults. Look for someone who handles bad faith cases and see what they say as to your case.
Mr. Andrew T. Bodoh Esq.'s answer There may be legal action that you can take, but there will be a cost for attorney fees, filing fees, and experts. An attorney will have to study the policy to make sure.
Jan F Hoen's answer Once a claim for benefits has been filed with the Commission, a 20-day order is issued requiring the employer to accept or deny the claim. Perhaps you have not filed a claim form yet. Consequential damages are not benefits which can be awarded by the Commission; only statutory benefits for medical costs, wages, and permanent injury to a body part. Your amputation is eligible for a lump sum award and you should seek counsel to assist you with seeking an award or settlement.
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