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483 legal [2, *]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 7
Do you have any Insurance questions page 7 and need some legal advice or guidance? Ask a Lawyer to get an answer or read through our 483 previously answered Insurance questions.

Recent Legal Answers

I had a leak in bathrooms .Condo asso insurance has have since June 10 to finish them

Answered 8 years and 7 months ago by Hon. Max L Rosenberg (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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What have you done to see that the insurance company is aware of these issues? Have you also been in touch with your Board of Directors of the condos?
What have you done to see that the insurance company is aware of these issues? Have you also been in touch with your Board of Directors of the condos?

am I able to sue an insurance company for rental car reimbursements

Answered 8 years and 7 months ago by Mark Theodore Tischhauser (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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Yes - but it wil cost more than the amount you are likely seeking. 
Yes - but it wil cost more than the amount you are likely seeking. 

My insurance company made my repair check out to my finance company who is refusing to release the check; how can I get my check released for repairs?

Answered 8 years and 7 months ago by Mark Theodore Tischhauser (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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You will probably need to sue your finance compmany and insurance company to get this straight. You need todo this ASAP. God thing is you should get you legal fees back if you win. 
You will probably need to sue your finance compmany and insurance company to get this straight. You need todo this ASAP. God thing is you should get... Read Answer

I am a new Cancer patient who is in pain. Can I sue the company to get medication the are denying for my pain and suffering?

Answered 8 years and 8 months ago by Hon. Max L Rosenberg (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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Your doctor should be able to find something comprable or alternative to the patch that your insurance company will not cover. In my opinion you have no case.
Your doctor should be able to find something comprable or alternative to the patch that your insurance company will not cover. In my opinion you have... Read Answer
If you were injured in the accident, then hire counsel to handle all steps from A to Z
If you were injured in the accident, then hire counsel to handle all steps from A to Z

Our bank did not pay our Home owners insurance that was in escrow and we were cancelled back in January with out notice. What should we do?

Answered 8 years and 8 months ago by Mark Theodore Tischhauser (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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Probably a consumer lawyer. This will revolve around whether there were some form of notice provided to you, regardless of whether you read them or not, and the timing of the returned funds. By example if they returned the funds in November  2016, you cashed the check and never bothered to ask why or for what, you will have a more difficult case than, say, they mailed the check in April 2017, after letting coverage lapse with no notice otherwise. You may need to hire a lawyer at an hourly rate to address this at the initial stages to see what occurred and possibly a contingent fee would be available if there is a clear case of wrong doing by the bank. ... Read Answer
Probably a consumer lawyer. This will revolve around whether there were some form of notice provided to you, regardless of whether you read them or... Read Answer

My son needs JawJoint surgery.We have been rejected by our ins company for the diagnostic exam.Does FS 627.419 require ins to cover this? & surgery?

Answered 8 years and 8 months ago by Mark Theodore Tischhauser (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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627.419 doesn't guarantee that the services are paid for - it simply prevents an inusurer from arbitrarily excluding them. You ay need to hire a lawyer at some expense to fight with insurer if there isa dispute about issues like medical necessaity, etc. 
627.419 doesn't guarantee that the services are paid for - it simply prevents an inusurer from arbitrarily excluding them. You ay need to hire a... Read Answer

What can my friend I do .he paid for health insurance for coverage ,but they did not pay on any of his medical bills from Dec1 2016 -Aug 2017

Answered 8 years and 8 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
File a complaint with the department of Insurance.
File a complaint with the department of Insurance.

Bed bug bitten in Plantation..

Answered 8 years and 8 months ago by Mark Theodore Tischhauser (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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Sadly - you "were told" alot of things that were simply wrong. You need to hire a lawyer ASAP to see what can be done and a claim made - but don't hold your breath, especially with no objective documentation and "holistic" self care rather than medical care. Absent separate evidence of an infestation you may find the hotel treating this as a nusinace value/shakedown case. ... Read Answer
Sadly - you "were told" alot of things that were simply wrong. You need to hire a lawyer ASAP to see what can be done and a claim made - but don't... Read Answer

Do I have a case for arbitration against my insurance co. on a theft claim?

Answered 8 years and 8 months ago by Mark Theodore Tischhauser (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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You will probably have to actually hire a lawyer to sort this out. 
You will probably have to actually hire a lawyer to sort this out. 

What do I do if my insurance company will not properly complete a comprehensive claim

Answered 8 years and 8 months ago by Mark Theodore Tischhauser (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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You can hire a lawyer to sue the insurance company. You can recvoer your legal fees from the insurance company if you win. 
You can hire a lawyer to sue the insurance company. You can recvoer your legal fees from the insurance company if you win. 

Question about health insurance

Answered 8 years and 8 months ago by attorney Stephen Arnold Black   |   2 Answers   |  Legal Topics: Insurance
Hire counsel ASAP to handle the case so you don't have to worry. 
Hire counsel ASAP to handle the case so you don't have to worry. 

full coverage ins. on vehicle. want to replace engine with used one what is the law

Answered 8 years and 8 months ago by Mark Theodore Tischhauser (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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Depends on your insurance policy language in large part
Depends on your insurance policy language in large part

What are my options if I hired a body shop to repairs certain issues but not all and they ended up repairing everything?

Answered 8 years and 9 months ago by Mark Theodore Tischhauser (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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If your insurance carrier paid for it - and your intent is to stiff the shop for work actually performed, so YOU can skim the extra money, you are probably going to spend the money you think you will skim on a lawyer dealing with a Fla. Stat. 559 case to get your car back out of the mechanics lein the shop will impose. If this is simply a balance that was NOT paid by the insurance carrier - then you need to work this out with the shop if possible. Otherwise, you still end up with a Fla. Stat. 559 lawsuit to deal with. ... Read Answer
If your insurance carrier paid for it - and your intent is to stiff the shop for work actually performed, so YOU can skim the extra money, you are... Read Answer

What can I do if I disagree with the valuation of my Class A RV by an insurance claims adjuster?

Answered 8 years and 9 months ago by Mark Theodore Tischhauser (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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You will really want to hire a lawyer - even if you pay out of pocket - to address this as many insurance companies will be squeezing claims for obvious reasons and you may need to file suit over the issue. On a positive note - there is Fla. Stat. 627.428, that allows you to recover legal fees if you prevail in the lawsuit. ... Read Answer
You will really want to hire a lawyer - even if you pay out of pocket - to address this as many insurance companies will be squeezing claims for... Read Answer

Resenly put new floor on my condo Association requiere corcho on botton of tile. Recenly got at letter for assetmet for rha roof ro be fix got storm w

Answered 8 years and 9 months ago by Mark Theodore Tischhauser (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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there is no question here......
there is no question here......

fence damage

Answered 8 years and 9 months ago by Mark Theodore Tischhauser (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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Not necessarily. You can ake a claim but it will depend on a lot of factors. Such things are exactly why you should always have homeowners insurance on your property.
Not necessarily. You can ake a claim but it will depend on a lot of factors. Such things are exactly why you should always have homeowners insurance... Read Answer

How do we qualify for a hardship license after accident?

Answered 8 years and 9 months ago by Mark Theodore Tischhauser (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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" We find out it didnt have insurance, it was never transferred." This is a problem as the only person than could and can transfer the insurance to the new vehicle would be you, such that you should have know this. That stated, you needto retain a lawyer to review the issue as there is typcially a "newly aquired vehicle" clause in most insurance policies that may afford coverage ... Read Answer
" We find out it didnt have insurance, it was never transferred." This is a problem as the only person than could and can transfer the insurance... Read Answer

My wife was on the ER with severe pain and after treating her, Humana Insurance doesn't want to pay for the ER Services

Answered 8 years and 9 months ago by Mark Theodore Tischhauser (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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Unfair, unfortunately is not a legal standard. The services were either covered by insurance or they weren't and thats the issue. If they are suing for damages, you do need to retain a lawyer to represent you - BUT such lawyer typically are retained on an out of pocket retainer basis. YOu may also want to talk to a bankruptcy lawyer if the charges are substantial. ... Read Answer
Unfair, unfortunately is not a legal standard. The services were either covered by insurance or they weren't and thats the issue. If they are suing... Read Answer

for my car diminished value claim

Answered 8 years and 9 months ago by Mark Theodore Tischhauser (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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This is a deficiency claim NOT diminished value. There is no real remedy here, other than hiring a lawyer for a lawsuit, if the inusrance carrier won't assess he vehicle at a higher value. Unfortunately, if you over finance a car, i.e. its "upside down", the insurance carrier does not pay for poor credit or financing decisions, but rather the actual cash value of the vehicle (ACV). ... Read Answer
This is a deficiency claim NOT diminished value. There is no real remedy here, other than hiring a lawyer for a lawsuit, if the inusrance carrier... Read Answer

I asked my HOA to remove a tree which then hit my roof with a lot of damage after the hurricane. I field a claim with my Homeowners Insurance.

Answered 8 years and 9 months ago by Mark Theodore Tischhauser (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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Not inherently - it will all depend on the HOA rules etc and details of the circumstances. If this was a hurricane issue its even more unlikely for several reasons. 
Not inherently - it will all depend on the HOA rules etc and details of the circumstances. If this was a hurricane issue its even more unlikely for... Read Answer

Placed a claim July 6 , still getting the run around, liv

Answered 8 years and 9 months ago by Mark Theodore Tischhauser (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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No way to answer such a question as posed. Bottom line is if its YOUR insurance carrier and you made a claim for the loss - you have an obligation to cooprerate with them. 
No way to answer such a question as posed. Bottom line is if its YOUR insurance carrier and you made a claim for the loss - you have an obligation to... Read Answer

How do I determine which lawyer would best suite my situation?

Answered 8 years and 9 months ago by attorney Stephen Arnold Black   |   1 Answer   |  Legal Topics: Insurance
You may have a case. Contact counsel to prepare a demand package and negotiate a settlement with the insurance company
You may have a case. Contact counsel to prepare a demand package and negotiate a settlement with the insurance company

If my wife filed for bankruptcy earlier this year chapter 7 and we have an insurance claim for $12,000 on the house now for water damage can we keep $

Answered 8 years and 10 months ago by Hon. Max L Rosenberg (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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Who's name is the house in? Is her name on the policy? Did her bankruptcy attorney list the claim as an asset on her Schedule B?  We can help but we need more information. Please feel free to contact us for further information.
Who's name is the house in? Is her name on the policy? Did her bankruptcy attorney list the claim as an asset on her Schedule B?  We can help... Read Answer

When we bought a car we were directed by the dealer to an insurance agent, we chose and paid the full coverage. However never received the p

Answered 8 years and 10 months ago by Mark Theodore Tischhauser (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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Apparantly, the other insurance carrier and the other party disagreed with the "no one hurt" aspect, as it seems they paid out $7,500.00 in a UM claim. Given that the insurance carrier is Infinity, unless you can show that you have a hsitory of ALWAYS having bodily injury liability coverage and would have paid the premiums for it, tjhe "full coverage" you likely asked for and got was "full coverage" to drive the vehicle legally and not additional bodoily injury coverage. This will aslo require reviewing the application and documents you signed to address that issue. ... Read Answer
Apparantly, the other insurance carrier and the other party disagreed with the "no one hurt" aspect, as it seems they paid out $7,500.00 in a UM... Read Answer