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483 legal questions have been posted about insurance by real users. Ask your question and dive into the knowledge of attorneys who handle your issue regularly. Similar topics to explore also include fidelity and surety, reinsurance, and automobile insurance. All topics and other states can be accessed in the dropdowns below.
Insurance Questions & Legal Answers - Page 19
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Recent Legal Answers

What type of attorney do I need if I'm being sued by an insurance company for bodily injury payout?

Answered 12 years and 9 months ago by Adolfo A. Podrecca (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
a bodily injury attorney but don't you have liability insurance that would provide you with a defense attorney if not, I can defend you but I would need to charge you $250 per hour for my fee and would need a $3,000 advance retainer for the fees and $2,000 advance retainer to pay defense costs... Read More
a bodily injury attorney but don't you have liability insurance that would provide you with a defense attorney if not, I can defend you but I would... Read More

who pays for the hospital bill if my son was taken to the ER by ambulance due to chemical spill?

Answered 12 years and 9 months ago by Thatcher Stone (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
First thing you need to do is make a written demand on the school district in a certified letter for the payment of these expenses. If they refuse to pay you will need to sue them. Get a lawyer, and sue them. Feel free to call our office if you have more questions. Someone at the school was negligent with the chemicals and spilled them. It was forseeable that if there was a spill, children might need medical attention. That's exactly what happened, from your story. SO go chase the school district.... Read More
First thing you need to do is make a written demand on the school district in a certified letter for the payment of these expenses. If they refuse to... Read More

my car was stolen then burnedand my insurence comany denied my claim how do i go about filing a lawsuite

Answered 12 years and 10 months ago by attorney Attorney Lawrence H. Adler   |   1 Answer   |  Legal Topics: Insurance
The action you take will depend on the value of your car.  If it is under $5000 you can bring a claim against your insurance comany in small claims court.  If it is above that amount, you should hire an attorney who will bring a claim.  bear in mind, your claim is only valid to the extent your insruance contract provides coverage and the reason for thier denial must be analyzed.... Read More
The action you take will depend on the value of your car.  If it is under $5000 you can bring a claim against your insurance comany in small... Read More

insurance company is denying my claim and they want me to make a statement with there lawyer. what should i do?

Answered 12 years and 10 months ago by attorney Joseph Stephen Hartle   |   1 Answer   |  Legal Topics: Insurance
Probably wise for you to consult with an attorney.  Generally speaking, if your own auto insurance company is asking for a statement, you have to give it to them pursuant to a condition in your insurance contract that requires you to cooperate with their investigation into your claim.  However, where they have denied your claim, there should be no reason they need a statement from you (unless they are denying your claim because you failed to give a statement or failed to cooperate).  Talk with an experienced attorney about the denial of your claim.  If the claim was improperly denied, you may have a claim against the insurance company.  It would be best for you to speak with an attorney before you agree to give a statement to the insurance company, and would probably be a good idea to have him/her present during the giving of your statement.  Good luck.... Read More
Probably wise for you to consult with an attorney.  Generally speaking, if your own auto insurance company is asking for a statement, you have... Read More

Mother purchased life insurance for 3 kids in 1980's. I married she dropped mine, youngest brother entered Army she dropped his. Mother died 2001,

Answered 12 years and 10 months ago by Charles Hughes Sanford (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
Insurance company can't pay if you are not beneficiary. You should open up a probate estate for your mother and if appropriate make insurance claim as PR of her estate. Creditors and other heirs/beneficiaries may have claims but the matter will be resolved in probate. You should seek legal representation.   Charles Sanford... Read More
Insurance company can't pay if you are not beneficiary. You should open up a probate estate for your mother and if appropriate make insurance claim... Read More

what can i do if someone take life insurance on me against my will?

Answered 12 years and 10 months ago by Charles Hughes Sanford (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
Dear sir/Madam, What are you afraid of ? What exactly do you need protection from? Insurance can be obtained on anyone (or any thing) in which the insuring person (owner) has an insurable interest. Family members have insurable interest in other family members.   Charles Sanford
Dear sir/Madam, What are you afraid of ? What exactly do you need protection from? Insurance can be obtained on anyone (or any thing) in which the... Read More

Insurance low offer for pain and suffering

Answered 12 years and 10 months ago by Mr. James Jenkins Mills (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
Typically, it is worthwhile to hire an attorney to handle these types of claims.  While you will have to pay the attorney a percentage of any recovery, I think there are plenty of studies out there that indicate that the client ends up with more if they hire an attorney.  However, if you get too far along with negotiations with the insurance company, attorneys are going to be very hesitant to take on your case.  I would suggest that you at least talk with someone now (attorneys don't charge for these types of consultations, or at least, they shouldn't charge).  That way, you will know more about the process, what to expect, etc., and you can make a decision as to whether you should hire an attorney. Either way, good luck going forward. -Jay Mills James J. Mills 2626 Glenwood Ave., Ste. 560 P.O. Box 10867 Raleigh, NC 27605 Telephone: 919.235.3824 Fax: 919.782.2311 www.burnsdaypresnell.com... Read More
Typically, it is worthwhile to hire an attorney to handle these types of claims.  While you will have to pay the attorney a percentage of any... Read More

Is personal condo policy coverage for damages or upgrades only?

Answered 12 years and 10 months ago by Lawrence N Lavigne (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
As a general rule, a condo owner is responsible for the inside walls in.  Meaning, if an appliance causes water damage in the unit, the unit owner and their insurance is responsible.  The condo policy generally really only covers damage to the building(s) and common areas.
As a general rule, a condo owner is responsible for the inside walls in.  Meaning, if an appliance causes water damage in the unit, the unit... Read More

Private Health Insurance Claim being

Answered 12 years and 10 months ago by attorney Mr. John D. Wendler   |   1 Answer   |  Legal Topics: Insurance
If I spoke to you I would need a copy of your health insurance policy, all correspondence from the insurance company and the medical records that you have to date.
If I spoke to you I would need a copy of your health insurance policy, all correspondence from the insurance company and the medical records that you... Read More

Do I have to split life ins money if I was the beneficiary?

Answered 12 years and 10 months ago by Sarah Reese (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
I am sorry to hear about this.  If you are the only beneficiary policy was entered into while your dad was of sound mind and not under any duress, then you are likely the sole person entitled to the funds.  However, since it is being challenged by your brothers and you have been served with a restraining order advising you to not take any action with the funds, I must recommend that you obey the order until this matter is resolved.  Depending on the details of this matter, you may want to seek legal assistance.  Best of luck! NOTE: This response is general in nature and should not be considered legal advice.  No attorney-client relationship exists or is formed by this response. ... Read More
I am sorry to hear about this.  If you are the only beneficiary policy was entered into while your dad was of sound mind and not under any... Read More

life insurance

Answered 12 years and 10 months ago by R. Christopher Reade (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
You should find out your mother's insurance agent or insurance company and contact them.  You can also establish an estate for your mother and do an inquiry regarding your mother's affairs and where any policies or assets of the Estate were vested.
You should find out your mother's insurance agent or insurance company and contact them.  You can also establish an estate for your mother and... Read More

Is it okay to have Cobra dental coverage cancelled without notice or repayment?

Answered 12 years and 10 months ago by Thatcher Stone (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
Well, did you call the benefits office, fax them the receipts or cancelled checks showing your payment, and ask what happened?
Well, did you call the benefits office, fax them the receipts or cancelled checks showing your payment, and ask what happened?

Is Loss of Use applicable for perils covered under an endorsement?

Answered 12 years and 11 months ago by Thatcher Stone (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
Well the precise correct answer depends uppon a read of the policy. If the policy is clear that the sewer endorsement adding a peril had a different limit of liability than the balance of the coverage, then there could be an issue for obtaining the exta coverage you seek. However, it depends on the wording also of the habitability coverage and its wording. Unable to answer definitively without sight of the policy. If you want a no obligation insurance review please call my Rock Center office. Good luck.... Read More
Well the precise correct answer depends uppon a read of the policy. If the policy is clear that the sewer endorsement adding a peril had a different... Read More

can daughter use and be covered by insurance if boyfriend in army and he give her power of attorney?

Answered 12 years and 11 months ago by Charles James Brocato (Unclaimed Profile)   |   2 Answers   |  Legal Topics: Insurance
To answer this question you would have to read the boyfriend's insurance policy and/or talk to his agent. If daughter is a "permissive user" she should be covered. This response is general in nature and is not legal advice. No attorney client relationship is formed by it. Further, the response does not represent the opinions or views of LexisNexis or its affiliated companies.  ... Read More
To answer this question you would have to read the boyfriend's insurance policy and/or talk to his agent. If daughter is a "permissive user" she... Read More

HIPPA violation?

Answered 12 years and 11 months ago by Sarah Reese (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
I am sorry to hear about this.  I recommend that you check out this fact sheet on how to file a complaint.  http://www.hhs.gov/ocr/privacy/hipaa/complaints/hippahowtofile.pdf.  I think this will provide you with answers and assistance.  Best of luck! NOTE: This response is general in nature and should not be considered legal advice.  No attorney client relationship exists or is formed by this response.... Read More
I am sorry to hear about this.  I recommend that you check out this fact sheet on how to file a complaint. ... Read More

got hit from the rear by a goverment oficial vechile driven by a US Air Force Guy

Answered 12 years and 11 months ago by Thatcher Stone (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
First step, you probably have uninsured motorist coverage. Call your insurance company and make a claim ASAP. Have you done this? IF NOT YOU MUST RIGHT AWAY. Most insurance companies will not pay a claim unless you make timely notice. Suing the government is an endless hassle. Let your insurer take care of it. If you do not have uninsured motorist coverage, which I find hard to believe, then call the other driver and ask him for a copy of the insurance report he made to the Air Force. Then make a call to that person and demand payment. If they waffle get in touch with a local lawyer.    ... Read More
First step, you probably have uninsured motorist coverage. Call your insurance company and make a claim ASAP. Have you done this? IF NOT YOU MUST... Read More

What will happen if I go against a lawyer's advice?

Answered 12 years and 11 months ago by Mrs. Michelle Lynn Hendrix (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
You have the right to be represented by the lawyer of your choice.  If you do not feel that this lawyer is providing adequate representation, you have the right to retain another lawyer and have that lawyer substitute in place of the current lawyer. 
You have the right to be represented by the lawyer of your choice.  If you do not feel that this lawyer is providing adequate representation,... Read More

How do I get my employer to pay me what they promised?

Answered 12 years and 11 months ago by Mrs. Michelle Lynn Hendrix (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
What documentation, if any, do you have as to this agreement?  If you would like to discuss this issue further, please contact me. Michelle Hendrix 850-433-5461
What documentation, if any, do you have as to this agreement?  If you would like to discuss this issue further, please contact me. Michelle... Read More

Hurricane sandy destroyed my neighborhood, what should we do?

Answered 13 years ago by Thatcher Stone (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
The right answer to this is not what you will want to hear. Generally home insurance policies do not respond to a widespread felt risk. Each of you will have to have a lawyer review your policy language to make a determination. If there is an issue in the homeowners' policy that you feel the insurers are being unfair about, some of you could get together and bring a class action or individual actions if necessary.  Our office is available to review policy language with no obligation and no attorney cost to see if there is a basis on which to go forward. If you can establish to FEMA's satisfaction that some aspects of your loss are critical and uninsured you may, and I stress may, recover some limited assistance form FEMA. The following is a link to FEMA's website and may be helpful:- www.fema.gov/disaster-help-available-if-I-have-insurance    Thatcher Stone      ... Read More
The right answer to this is not what you will want to hear. Generally home insurance policies do not respond to a widespread felt risk. Each of you... Read More

I am looking for a lawyer that would take my case

Answered 13 years ago by Gerry M Wendrovsky (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
This is a question that will involve examining the specific dates of your efforts to contact the company, and the specific types of damages that you and your family suffered. You should consult with an attorney and discuss this matter at length. Gerry Wendrovsky, Esq.- Upper West Side Lawyer www.upperwestsidelawyer.com... Read More
This is a question that will involve examining the specific dates of your efforts to contact the company, and the specific types of damages that you... Read More

my mother passed away two years ago, Her mother took a policy on her, i dont know the insurance company name, i am my mothers only child,

Answered 13 years ago by Gerry M Wendrovsky (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
If your grandmother obtained the policy on your mother's life, it is her right to receive the proceeds. However, if you think the policy has you as the beneficiary, then you would have to bring an action against your grandmother, which will be difficult. If the niece has taken the paperwork, then you would also have to bring her into the case. The question is whether the size of the policy warrants bringing an action. Gerry Wendrovsky, Esq.- Upper West Side Lawyer www.upperwestsidelawyer.com... Read More
If your grandmother obtained the policy on your mother's life, it is her right to receive the proceeds. However, if you think the policy has you as... Read More

my two cars where totaled by huricane sandy in new york,i recently bought a ins urance policy in fla,where i own a home. company is denying claim,

Answered 13 years ago by attorney Thomas M. Bates   |   1 Answer   |  Legal Topics: Insurance
If you bought the policy after the hurricane destroyed the cars then you're out of luck as far as getting the insurance company to pay for the loss. In order for the insurer to pay for the loss the cars had to be listed on a policy for which you had paid premiums, before the hurricane. Consult a lawyer for further advice.... Read More
If you bought the policy after the hurricane destroyed the cars then you're out of luck as far as getting the insurance company to pay for the loss.... Read More

Can my boyfriend and I be on the same car insurance policy if one car is in my name and the other is in his name? We live together but are not married

Answered 13 years and a month ago by Sarah Reese (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
It will depend on your policy but usually you can list "additional named insureds" to be covered  under your insurance policy and he can do the same.  That way you will both we listed on each other's policy's and covered.  Call your insurance company and ask if you can list someone as an "additional named insured."  I don't think you should have any problem with this.  Best of luck! NOTE:  This response is general in nature and should not be considered legal advice.  No attorney-client relationship exists or is formed by this response. ... Read More
It will depend on your policy but usually you can list "additional named insureds" to be covered  under your insurance policy and he can do the... Read More

My car got totaled by sandy, I'm trying to talk with my insurance but I haven't got any reply, nothing at all called them everyday

Answered 13 years and a month ago by Sarah Reese (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
I am sorry to hear about your car and hope that everything else fared well in the storm.  Keep trying to contact the insurance company. They are likely overwhelmed with claims at this time.  I also recommend mailing them a letter by certified mail, return receipt requested explaining your loss and that  you would like to make a claim for the damages to your vehicle.   Read your insurance policy regarding this and be sure to conform to any details.  It is often better to send in the proof of loss by mail so that there is record of it.  Keep calling and send the information by mail as well with all of your contact information.  Hopefully you will get through to someone soon.  Best of luck! NOTE:  This response is general in nature and should not be considered legal advice.  No attorney-client relationship exists or is formed by this response. ... Read More
I am sorry to hear about your car and hope that everything else fared well in the storm.  Keep trying to contact the insurance company. They are... Read More

Life Insurance Beneficiary

Answered 13 years and a month ago by Sarah Reese (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
No.  Attempting to force someone to change a beneficiary is against the law.  The person needs to freely make changes to beneficiaries and needs to be of a sound mind. The person cannot be under any duress or pressure to change beneficiaries.  The fact that you are a caregiver for the ill person would likely equal duress.  This would be illegal.  If you have ever done such a thing before with your position, I recommend you turn yourself in as you likely committed an illegal act and took advantage of someone who depended on you. NOTE:  This response should not be considered legal advice.  No attorney-client relationship exists or is formed by this response. ... Read More
No.  Attempting to force someone to change a beneficiary is against the law.  The person needs to freely make changes to beneficiaries and... Read More
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