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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 9
Do you have any Insurance questions page 9 and need some legal advice or guidance? Ask a Lawyer to get an answer or read through our 483 previously answered Insurance questions.
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Recent Legal Answers

I have two open insurance policies and the insurance company won't cancel the first one and refund the deposit.

Answered 9 years ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
That simply makes no sense. Something is missing here unless you still have BOTH cars titled in your name. You can call the Florida Department of Insurance and see if they can help you sort this out. 
That simply makes no sense. Something is missing here unless you still have BOTH cars titled in your name. You can call the Florida Department... Read More

Insurance company automatically taking out monthly premiums but state says i have no insurance

Answered 9 years ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
No way to answer WHY? You will either need to get to the bottom of this or you will need o hire a lawyer to cut through the red tape to do so. 
No way to answer WHY? You will either need to get to the bottom of this or you will need o hire a lawyer to cut through the red tape to do so. 

I received a denial letter from NFIP

Answered 9 years ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
You will likely need to retain a lawyer to handle this issue and to sort out what needs to be done. MOST appeal remedies including contractual ones have very strict time limits to address. 
You will likely need to retain a lawyer to handle this issue and to sort out what needs to be done. MOST appeal remedies including contractual ones... Read More

No fault accident no injuries...

Answered 9 years and a month ago by attorney Stephen Arnold Black   |   1 Answer   |  Legal Topics: Insurance
was your wife issued a ticket? Are there other witnesses? These and other questions need to be asked
was your wife issued a ticket? Are there other witnesses? These and other questions need to be asked

How do I get the insurance to pay for the damage to my car

Answered 9 years and a month ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
You did not provide me with enough facts to answer this question.
You did not provide me with enough facts to answer this question.

Insurance company said they will not pay me directly have to pay lien holder and me. Wreck was not my fault other driver issued a citation

Answered 9 years and a month ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
If there is a lien on the car, then check is issued to you and lienholder.
If there is a lien on the car, then check is issued to you and lienholder.

How long does a primary beneficiary of life insurance have to collect before the secondary beneficiary gets the pay out?

Answered 9 years and a month ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
There is no inherent time frame. This may well be addressed within the terms of the life insurance. You may need to hire an insurance lawyer to address this and possible file suit to see if a court ruling may help. 
There is no inherent time frame. This may well be addressed within the terms of the life insurance. You may need to hire an insurance lawyer to... Read More

Lawsuit for medical services

Answered 9 years and 2 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
Your mother - not you - needs to address this and likely needs to hire a lawyer. If she has no money to do so SHE - not YOU should contact local legal aid to see if they can help. By filing a response in court you may already have done irreparable damage to her situation. 
Your mother - not you - needs to address this and likely needs to hire a lawyer. If she has no money to do so SHE - not YOU should contact local... Read More

A judge recently determined that opposing insurance company and I should go to mediation...

Answered 9 years and 2 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
Nope. But having such little knowledge about the litigation process presumably as a defendant is disconcerting to say the least. Such a question is a CLEAR sign you are in over your head and need to retain a lawyer ASAP. 
Nope. But having such little knowledge about the litigation process presumably as a defendant is disconcerting to say the least. Such a question is a... Read More

Do I have a right to impartial mediation if I have a dispute with my property insurance company?

Answered 9 years and 2 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
Mediation is always expected to be "impartial". HOwever, as its volunatry and non-binding, if you feel its not simply make no agreement. What you can't do is insist the mediator fight your case against the insurance carrier nor agree with your position nor make the insurance carrier act in "good faith" as you determine it. If both parties don't work to settle a casein mediation it simply doesnt settle.... Read More
Mediation is always expected to be "impartial". HOwever, as its volunatry and non-binding, if you feel its not simply make no agreement. What you... Read More

Do I have a case?

Answered 9 years and 2 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
No idea - this sounds like a blend between a policy limits property damage case and claims that you are doing additional damages yourself. Bottom line is is if the insurance is tapped out and you have no collission coverage - you are stuck unless you think the other driver has money to pay and there was no release signed for the insurance repairs. Generally, if you are forced to sue he other drvier personally, you are not likely to eve see menaingful money. ... Read More
No idea - this sounds like a blend between a policy limits property damage case and claims that you are doing additional damages yourself. Bottom... Read More

One of our units suffered damage from a leak coming from a common-area pipe. Whose insurance should cover this?

Answered 9 years and 2 months ago by Adam Steven Warshaw (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
In order to determine that an attorney would need to review the Association's CC&Rs as well as any reports as to the cause of the leakage.  Many CC&Rs contain exculpatory clauses that limit the Association's liability for leaks and other system failures. 
In order to determine that an attorney would need to review the Association's CC&Rs as well as any reports as to the cause of the leakage. ... Read More

Was denied benefits 2 times now..Need these benefits..

Answered 9 years and 2 months ago by Richard Lane Hughes (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
What type of benefits? Disability?
What type of benefits? Disability?

I retired effective 10/30/16, and enrolled in Cobra. Yesterday I was told that coverage ended 12/31 because I didn't enroll during open enrollment??

Answered 9 years and 2 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
Contact the insurance company and discuss it with them to see if it can be resolved.
Contact the insurance company and discuss it with them to see if it can be resolved.

my mother passed and i have not recieved any money from her life insurance yet my older brother does get his money monthly

Answered 9 years and 2 months ago by attorney Stephen Arnold Black   |   1 Answer   |  Legal Topics: Insurance
Take the life Insurance policy together with any and all papers your mother signed to a lawyer's office and have him/her review same..
Take the life Insurance policy together with any and all papers your mother signed to a lawyer's office and have him/her review same..

Neighbor hit our car in the parking lot and totaled it. We do not want Bluebook value. She also has cognitive issues. Car may have been recalled.

Answered 9 years and 2 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
You are entitled to be paid actual value  - not replacement value not value of the loan amount as per the Fla. Supreme Court. WHAT that value is may be up for debate or argument or negotiation. If there is a controversy - your  best bet is to go to YOUR collision insurance and see what they value the vehicle at as if there is a dispute there its more efficient to sue your insurance carrier for financial reasons.... Read More
You are entitled to be paid actual value  - not replacement value not value of the loan amount as per the Fla. Supreme Court. WHAT that value is... Read More

My 2016 health insurance automatically renewed without my consent. What legal options are there?

Answered 9 years and 3 months ago by attorney Attorney Lawrence H. Adler   |   1 Answer   |  Legal Topics: Insurance
Your health insurance renewal would be governed by the language in the original contract you signed. Most contracts are not automatically renewable. If you are part of a larger group such as one provided by an employer you will have little say in the coverages you receive and the renewal options. If you brought Private health insurance you certainly have leverage until you have paid them. My suggestion is to talk to your agent if you have one or get a lawyer to review the language in the agreement. You should have health insurance company directly provide you with the provision they are relying on to renew this without your consent.... Read More
Your health insurance renewal would be governed by the language in the original contract you signed. Most contracts are not automatically renewable.... Read More

I am looking for a lawyer that would help me with an life insurance company that did not pay when my husband passed. The company is Garden State

Answered 9 years and 3 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
When did he die and what was the cause of his death?       
When did he die and what was the cause of his death?       

Can we go to same Claims Court with USAA inslurance co. in Rutherford Co., TN. for an accident in Louisville,KY?

Answered 9 years and 4 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
I provided an answer to the this same question that you asked yesterday. See that answer.
I provided an answer to the this same question that you asked yesterday. See that answer.

Can we go to same Claims Court with USAA inslurance co. in Rutherford Co., TN. for an accident in Louisville,KY?

Answered 9 years and 4 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
I want to make sure that I understand. You said "in our settlement...." Does this mean that you settled your claim with USAA or did you just make an offer of settlement to USAA and they refused and were not able to settle? If you did not settle, then I would think that you could sue in Murfreesboro since it is not a suit against the other driver, where you would have to file suit in Louisville.... Read More
I want to make sure that I understand. You said "in our settlement...." Does this mean that you settled your claim with USAA or did you just make an... Read More

Is possible that the insurance does not pay a loss?

Answered 9 years and 4 months ago by attorney Stephen Arnold Black   |   1 Answer   |  Legal Topics: Insurance
Retaining counsel would be your best bet...No fee if no recovery..   Steve
Retaining counsel would be your best bet...No fee if no recovery..   Steve

"Fire in my kitchen caused alleged smoke and rental damage neighbors apartment", my neighbors insurance suing me,they served summons , $23000,respond

Answered 9 years and 4 months ago by Barry Alan Salzman (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
Did you have homeowner's/renter's insurance? If so, please contact your insurance company ASAP and send the legal papers to them. As part of your insurance premium, the carrier must defend you in the lawsuit and pay any damages (up to your policy limits) you may be held liable for. If you did not have insurance, you must retain a lawyer who can answer the lawsuit for you so that a default judgment is not entered against you. Please let me know if you have any other questions. ... Read More
Did you have homeowner's/renter's insurance? If so, please contact your insurance company ASAP and send the legal papers to them. As part of your... Read More

Can you help me please. I have been trying for 4 1/2 months to get an MRI but the Payer ID: on my Insurance card says I am not a patient of theirs.

Answered 9 years and 4 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
This is simply a matter of fighting with the beaurocracy of Well Med. Something is amiss however as you say you have a card with an ID so that indicates that you should be in their system. As this is associated with a pain management doctor and heavy doses of opiates is also possible there is some issue related to that circumstance in play and that has to be accounted for also and I am willing to bet that is part of the problem. ... Read More
This is simply a matter of fighting with the beaurocracy of Well Med. Something is amiss however as you say you have a card with an ID so that... Read More

Can I sue my insurance company for bad faith?

Answered 9 years and 5 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
Why in Gods name were YOU in arbitration? Arbitration between insurance carriers is typically of ZERO consequence to your ability to file a lawsuit and have a court determine fault between you and the other side.That said, most of the time payment of a ticket is not admission of guilt as a matter of law. ... Read More
Why in Gods name were YOU in arbitration? Arbitration between insurance carriers is typically of ZERO consequence to your ability to file a lawsuit... Read More

Who do I sue?

Answered 9 years and 5 months ago by attorney Attorney Lawrence H. Adler   |   1 Answer   |  Legal Topics: Insurance
THe question that must be asked to determine if you have a claim is whether the neibor acted reasonably for the circumstances.  If there was no wind and no reason to expect one, they may not be resonsible.  If the opposite is true they would be responsible and you could sue them in small claims.  the ll/owner is not responsible unless you can show he knew or should have know what his tennant was doing or failed to do.... Read More
THe question that must be asked to determine if you have a claim is whether the neibor acted reasonably for the circumstances.  If there was no... Read More
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