| Subject | Date Asked | Expert |
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| Verification requests for No fault insurance | 11/17/2009 | Denise |
Q: I wanted to know if an insurance company may fax verification requests to a provider it is dealing ...
A: Fax is such an integral part of the insurance business- has been for a couple of decades. It's done ...
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| insurance overpayment | 11/17/2009 | Denise |
Q: My Health Ins. made a contracted payment to the hospital after the birth of my son. I had secondary ...
A: This isn't my area of expertise, but I would first begin by contacting the hospital. Perhaps they ...
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| hit and run lawsuit/ unauthrized driver | 11/16/2009 | Denise |
Q: Andrew gave me an answer and I'd like an opinion from someone "in the business." Succinctly, my car ...
A: I'm not an attorney. There is a big difference though, between unauthorized use of a road motor ...
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| Costco Cart damage | 11/15/2009 | Denise |
Q: My car was damaged by a cart while I ran into Costco for 10 minutes last week. The person taking ...
A: Parking lots are an interestng this, as in you CHOOSE to the there, and it that, take the chances ...
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| City tree fell on my car | 11/14/2009 | Denise |
Q: On 11/13 A tree limb broke and landed on top of my car. The tree was planted between the sidewalk ...
A: You can certainly give your insurance company the information about the tree, including the name of ...
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| Returning to Work after Unemployment | 11/12/2009 | Denise |
Q: Due to the state's (Illinois) budget cuts, my husband was laid off from his job in July, 2009. We ...
A: I'm not an expert in the area of your question, but I believe once he accepts another position, he ...
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| roof repair | 11/9/2009 | Denise |
Q: I have recently filed a claim on my homeowners insurance for a leaky roof. they came out and gave me ...
A: Just because you have a leaky roof doesn't mean it was caused by a covered cause of loss. And ...
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| parking lot accident | 11/6/2009 | Denise |
Q: I wanted to know if i had complete fault of an accident and if i can do anything at this point. I ...
A: Hopefully you have the witness information. Almost always, the one backing up is at fault. You ...
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| Over-insured home? | 11/4/2009 | Denise |
Q: With the slowed economy and property values declining could my home be over-insured? What steps ...
A: While property values may have changed, it doesn't have a whole lot of impact on how much it would ...
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| insurance on stolen car | 11/2/2009 | Denise |
Q: My car was stolen from my work parking lot in Detroit MI. I had PLPD on the car since it was paid ...
A: No, you don't have to keep insuring a car that was stolen. Advise AAA that the vehicle was stolen ...
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| STATUE REGUARDING ROOF REPLACEMENT IN KY | 11/1/2009 | Denise |
Q: I have storm damage. The insurance adjuster came to my home in Feb. 09 and looked at the roof and ...
A: I'm not an attorney, nor from Kentucky, so I can't help you with the exact statute question. You ...
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| intersection accident. | 11/1/2009 | Denise |
Q: I was wondering if you could give me an advice whether I should hire a lawyer for this accident. I ...
A: If you can get a witness to attest that the other driver had a red light and hit you, then you would ...
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| accident on private property | 10/31/2009 | Denise |
Q: i was involved in an accident at my house where my friend left his car at my house and to my ...
A: If his insurance company is telling him to take you to court (indicating that he has liability only, ...
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| accident in parking lot. | 10/31/2009 | Denise |
Q: So i was parked at a store parking lot. When I was pulling out of my parking spot,(making sure to be ...
A: The person backing up has the responsibility to avoid oncoming traffic. If there was a witness to ...
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| Excluded from my auto insurance | 10/31/2009 | Denise |
Q: I am 23 years old male living in Georgia. My family been with Statefarm for many years now. We have ...
A: It all comes down to misrepresentation about a material fact, in other words, your dad lying to the ...
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| Excluded from my auto insurance | 10/30/2009 | Denise |
Q: I am 23 years old male living in Georgia. My family been with Statefarm for many years now. We have ...
A: Your "friend" is giving your family BAD advice. Failure to disclose that you would be an operator ...
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| accident on private property | 10/29/2009 | Denise |
Q: i was involved in an accident at my house where my friend left his car at my house and to my ...
A: I personally wouldn't pay them anything. Sounds to me like they are trying to get as much money as ...
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| Accident, makind unprotected left after being staged in intersection and light turned yellow->red | 10/27/2009 | Denise |
Q: I was recently in an accident where I was making an unprotected left turn. I was staged in the ...
A: Unless you can find a witness (the car who did stop) who will attest that the light was actually red ...
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| car accident her insurance is jerking me around | 10/27/2009 | Denise |
Q: i was involved in a car accident on 28 Aug 2009. A lady ran a red light going an excessive speed ...
A: Sounds like you've done everything. Don't expect them to replace your car though. They will only ...
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| One way driving parking lot? | 10/26/2009 | Denise |
Q: yesterday my husband had a car accident in a parking lot. While we were driving toward left, a lady ...
A: Generally, the person backing up has the greater responsibility, however, it sounds like you were ...
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| concrete slab condo, broken water pipe damage to neighbor | 10/26/2009 | Denise |
Q: The water pipe which supplies hot water from our water heater to our unit under our slab in our ...
A: I'm wondering why your neighbor's haven't filed a claim with their insurance, and then if their ...
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| Total Loss Settlement | 10/25/2009 | Denise |
Q: If, in a Total Loss Settlement, the titled owner of the car is not the driver in possession of the ...
A: I would think you would have the stronger case. It would be no different if she had an actual loan ...
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| Victim of Hit & Run Scam | 10/24/2009 | Denise |
Q: I recently received a letter from an insurance company stating I am responsible for its client's ...
A: If you had someone with you the night this was supposed to have occurred, they could make a ...
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| cancellation | 10/24/2009 | Denise |
Q: My daughter purchased a car and my husband and I registered and insured it under our name. She was ...
A: It sounds like you insured this vehicle on a different policy than the ones owned & driven by you ...
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| What are my rights? | 10/23/2009 | Denise |
Q: I'm from CA Hi, a while back I gave up my business to become my mothers' caregiver so my income ...
A: I don't know what to tell you. Since they are stating the date of the accident is other than the ...
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| accident with no license | 10/23/2009 | Denise |
Q: my husband was in a car accident today in pa. he has no license and was driving my car. The other ...
A: I'm not from PA, but usually it doesn't make a difference if the not at fault driver didn't have a ...
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| car insurance for permit driver | 10/21/2009 | Denise |
Q: Will you issue insurance for someone who holds a learner's permit?
A: Most insurance companies will not add to the policy someone who does not yet have a drivers license. ...
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| Total Loss Settlement | 10/21/2009 | Denise |
Q: If, in a Total Loss Settlement, the titled owner of the car is not the driver in possession of the ...
A: If the titled owner of the car was the one who insured it, legally they may be entitled to all the ...
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| Rental car company denied optional insurance | 10/20/2009 | Denise |
Q: Is it legal that rental car companies don't offer optional insurance? I rented a vehicle from budget ...
A: I don't know if there is anything that you can do. You would have to look very carefully at the ...
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| persons excluded on insurance polices | 10/20/2009 | Denise |
Q: What is the exact information an insurance co. needs to 100% exclude a person from covering an ...
A: You don't say how old your are, but if you are a young person, then the reason that you were ...
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| tree damage | 10/19/2009 | Denise |
Q: My car was parked at my apartment complex over the weekend. I was out of town. When I went to my ...
A: A tree branch falling is considered to be an Act of God, and is not related to any negligence of the ...
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| concrete slab condo, broken water pipe damage to neighbor | 10/18/2009 | Denise |
Q: The water pipe which supplies hot water from our water heater to our unit under our slab in our ...
A: I would tend to think that it would be the HOA insurance that would be responsible for the damage, ...
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| persons excluded on insurance polices | 10/16/2009 | Denise |
Q: What is the exact information an insurance co. needs to 100% exclude a person from covering an ...
A: The reason insurance companies go the the effort to exclude a driver is usually because of a bad ...
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| Diminished value law | 10/15/2009 | Denise |
Q: We bought a new 2010 truck with only 40 miles on it. after leaving the dealership and going about 20 ...
A: IMO, CARFAX can be a lot of hooeee about nothing. Since you didn't sustain drive train damage, I ...
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| grace period | 10/14/2009 | Denise |
Q: I have a policy on a boat which is in CT. We are residents of CT. I just realized I missed my ...
A: There are no grace period's on property/casualty policies. What may happen is that the policy will ...
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| ATV Insurance Problem/Question | 10/13/2009 | Denise |
Q: I purchased an ATV from a private seller on 10/08/09. I called my insurance agent and told him to ...
A: Here is the issue- your agent didn't bind coverage with the carrier, at the time you requested it. ...
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| who's at fault? | 10/12/2009 | Denise |
Q: I was in a high school parking lot to pick up my brother from school. The right side of the road had ...
A: Sounds like you are mostly not at fault, but because you pulled into a handicap spot and stopped, ...
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| Totally our car! | 10/9/2009 | Denise |
Q: On sept.21st a woman hit our parked car. The insurance comp wants to total our car out because it ...
A: You may want to check with your state's department of motor vehicles, to see whether they have any ...
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| driving another persons car | 10/8/2009 | Denise |
Q: We have financed and insured our own cars. Mother and daughter. Now we like each others car better ...
A: The thing to do is to compare policies, and make sure you are both carrying the same limits and ...
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| Wind Damage | 10/7/2009 | Denise |
Q: I had a trampoline in my yard that was being held down we/large boulders. We had over 50 mph winds ...
A: Your neighbor should probably go through their insurance. Their insurance will investigate whether ...
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