Insurance Legal Questions

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 Answer

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 Answer

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 Answer

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 Answer

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 Answer

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 Answer

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 Answer

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 Answer

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 Answer

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 Answer

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 Answer

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 Answer

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 Answer

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 Answer

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 Answer

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 Answer