Insurance Legal Questions

A regular life insurance policy should pay out if the insured person dies while the policy was active. However, there may be some limited situations in which there is no payout, such as if the person committed suicide.  However, an accidental death and dismemberment policy will ONLY pay out if the insured person dies or loses a limb or an eye by AN ACCIDENT that happened while the policy was active. You may ask, "what counts as an accident?" or "how long after the accident must the person die for there to be a payout?" These questions can be answered by reviewing the particular policy. You would be surprised how different the policies are. Each policy is very different, so you must review the policy to see if the denial was correct. Now that the claim has been denied, you must file a lawsuit within 2 years if you think the denial was incorrect.   ... Read More

If you believe that the policy should cover the rehab, you would proceed through whatever dispute resolution procedure is called for in your insurance policy (for example, it may require arbitration of any disputes).  If the policy doesn't set forth a method of dispute resolution, or you have exhausted all procedures called for by the policy, you would sue the insurance company for breach of contract.... Read More

Hello Chris, It's difficult to tell you "what to do" in this type of forum.  Since you were in the course and scope of employment at the time of the accident, it seems pretty clear that the insurer for Doordash should be the one to step in.  That is, unless some other arrangements were agreed upon.  I would review the Doordash Agreement to see what it says about this type of situation.  To a certain extent, insurance companies try to pass the buck and fight it out amongst themselves all the time.  You may not need to do anything.  If you have concerns about your rights etc., you will need to sit down with an attorney for a formal consultation. Best of luck.... Read More

There is a general rule in life. When someone complains that everyone esle is "against them" its usually the person not everyone else. Especially when you inject that you are "culturally insulted" which suggests some level of "activist" or "provacateur" mentality at issue. That aside, generally recording telephone conversations without the express consent of the other party is a crime, subjects you to civil lawsuit and is not admissiable in court per Fla. Stat. Cjap. 934.... Read More

As I understand it, no one can have a residence licenses in 2 states.  They can have a residence license in one state, and non-residence licenses on other states.  But, to answer your question, it looks like she could use a Colorado address even though she does not live here to get a Colorado residence license.  Here is the website she should check out: https://home.pearsonvue.com/co/insurance to see what liability may exist for your parents.     ** I am not your lawyer.  This is not real legal advice.  It is my attempt to help others with some basic guidance.  **... Read More

Not my specialty per se (I do more auto ins.).  But my thought is to write the life ins. co and copy your financial advisor stating you are cancelling the policy.  Fax it so you have the confirmation page.  I would also review your policy for any cancellation clauses and comply with those.  Finally, I imagine that if you stop paying premiums, they will cancel you as fast as possible.  Hope that helps.  ... Read More

Ms. White:   This is complicated.  If you brother does not have the capacity to make his own decisions then he shoudl have a guardian appointed.  An appointed guardian can request a change of beneficiary form from the life insurance company.  If your brother has the ability to sign a change of beneficiary form, then you can request the form for him and have him sign it.  If he dies without a change of beneficiary and he has not be remarried, then the likely beneficiary will be his child.  ... Read More