| Subject | Date Asked | Expert |
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| backing out of a parking space | 9/6/2008 | Richard |
Q: I was leaving a shopping center when I looked out my passenger window and saw a car backing out. I ...
A: if you were in the moving lane of traffic then the other driver is 100% at fault in causing the ...
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| Uninsured | 9/5/2008 | Denise |
Q: I was just in an accident in IL, it was a 4-car chain-reation accident with the driver behind ME ...
A: If the other driver drove off, they won't have any proof that you weren't at fault. If the other ...
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| please help | 9/5/2008 | Richard |
Q: My car was parked thou damages on my car are 8000 dollars i have the report the guy has insurance ...
A: you should send a letter of complaint to your State Insurance Dept. outlining all of the facts of ...
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| Comprehensive Coverage - Auto Theft | 9/5/2008 | Denise |
Q: I live in Virginia and I have Allstate as my insurance carrier. My car was broken in to and in my ...
A: I doubt that you will prevail. If the locks weren't damaged, the auto policy will not respond. If ...
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| NY state disability insurance | 9/5/2008 | Richard |
Q: I just took a job with a county in western NY thinking that they had comparable benefits to the job ...
A: to the best of my recollection both New York State and New York City are exempt from mandatory ...
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| vehicle theft claim | 9/4/2008 | Richard |
Q: I recently had my vehicle stolen out of my driveway. My vehicle was found abandoned and totaled. I ...
A: it would not have mattered even if you caused the vehicle to be totalled out. Insurance companies ...
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| auto loss | 9/4/2008 | Richard |
Q: My suv lost control while my daughter was driving and it spinned 5 times and hit a pole. I only had ...
A: I am going to need a lot more info here. You should have had the title to the vehicle in your ...
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| Do we have to do bank draft payment? | 9/4/2008 | Denise |
Q: My husband and I are trying to get additional life insurance for our family. Our agent is telling us ...
A: I would suggest talking to a different life insurance agent. The agent and insurance company prefer ...
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| Rear end colission, Ca who is at fault? | 9/4/2008 | Bennie 719 |
Q: I was involved in an accident in Los Angeles, California. I was traveling in the number 2 lane on ...
A: Under California Law you are required to operate your vehicle in such a manner as to be able to ...
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| investigation on my insurance | 9/4/2008 | Denise |
Q: I had a laps on my car insurance for a couple of months but my car was kept in storage during the ...
A: The insurance company will investigate this closely, to determine the time you actually started the ...
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| Coverage for water in basement | 9/3/2008 | Denise |
Q: I live in NC and recently experienced heavy rainfall, 8.5inches overnight. The result was water ...
A: You likely do not have coverage for this. This is considered to be Seepage, which is considered to ...
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| Filing against neighbor's homeowners ins | 9/3/2008 | Denise |
Q: Do you have a sample letter or talking points I can use while speaking with my neighbor about filing ...
A: How this type of thing is usually handled is that the health insurance company's attorney's file a ...
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| auto loss | 9/3/2008 | Richard |
Q: My suv lost control while my daughter was driving and it spinned 5 times and hit a pole. I only had ...
A: if the SUV was towed to a repair shop or salvage yard then you will be stuck with the bill for the ...
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| auto accident with uninsured motorist | 9/3/2008 | Richard |
Q: Back in Oct. 2007 my Nissan Altima was totaled by a vehicle that was uninsured. The driver of the ...
A: depending upon what the prognosis is for your daughter's recovery I would advise that you retain the ...
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| property damage caused by neighbor"s tree | 9/2/2008 | Denise |
Q: I live in a mobile home park but own my home. If the neighbor lamb falls on my home and causes some ...
A: Limbs falling from trees are considered to be an Act of God, unless you can prove that your ...
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| Friend wrecked my car | 9/2/2008 | Richard |
Q: On August 14 my friend kyle asked if he could drive my car just for fun cause it was a stick shift, ...
A: the only remedy here is to sue both Kyle and Ashton in small claims court. Kyle is in the case ...
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| HIT BY UNINSURED MOTORIST | 9/2/2008 | Denise |
Q: LAST THRUSDAY 08/28/08 MY SON WAS HIT FROM THE SIDE AS THE MOTORIST CHANGED LANE CLIPPING THE BACK ...
A: You will need to get estimates on the damage to the vehicle, and what the vehicles actual cash value ...
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| ESURANCE AUTO POLICY | 9/2/2008 | Richard |
Q: MY HUSBAND GOT IN AN ACCIDENT WHERE HE WAS HIT IN THE REAR AND PUSHED INTO A 4 CAR ACCIDENT. THE ...
A: any auto insurance company can and will refuse to handle and pay out on claims made against you and ...
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| Accident with a parked car | 9/2/2008 | Richard |
Q: I was parked in front of my friends house illegally (unknowingly that it was illegal). while this ...
A: this is a property damage claim pure and simple. The owner/driver of the vehicle that damaged your ...
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| Tree Damage | 9/2/2008 | Denise |
Q: In Mo., I had a few large limbs of a real dead tree cause damage to my roof and guttering, from the ...
A: There is no requirement for a landlord to carry Rental Dwelling coverage on the building. Most do, ...
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| auto accident with uninsured motorist | 9/1/2008 | Richard |
Q: Back in Oct. 2007 my Nissan Altima was totaled by a vehicle that was uninsured. The driver of the ...
A: so sorry to hear about such consequences from a motor vehicle accident. I am going to assume that ...
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| fraudulent insurance claim? | 9/1/2008 | Bennie 719 |
Q: is it legal to file an insurance claim against your own policy if there was no accident? My ex ...
A: Yes, it is illegal to file a fraudulent claim against an insurance policy. It is also normal that ...
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| liabilty | 8/31/2008 | Richard |
Q: a friend let me drive his car he said he had insurance while driving he was also present in the ...
A: ultimately it is your friend's insurance which will be stuck with repaying the other driver's ...
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| No fault | 8/28/2008 | Richard |
Q: What is the definition for a "no fault excess pip" claim? Thank you.
A: I am assuming that you are asking about a lien for excess PIP or no-fault benefits at the conclusion ...
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| General Liability Audit | 8/28/2008 | Denise |
Q: My question is about a "subcontractor" exposure code under a Commercial General Liability policy. ...
A: The issue with subcontractors is that even though you may have certificates of insurance, too often ...
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| Rear-end Collision | 8/28/2008 | Richard |
Q: I am a 17 year old with a provisional license. I was stationary at a stop light when a car came from ...
A: first thing to do is obtain a copy of the police report for future use. The person you hit could ...
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| Rental car accident | 8/28/2008 | Bennie 719 |
Q: I had rented a car with Enterprise in June of 2008 in San Francisco CA. My friend was listed as an ...
A: Yes, the first part of the statement is true.....since you rented the vehicle, you are responsible ...
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| Insurance lapsed and I was involved in an accident | 8/28/2008 | Richard |
Q: I was involved in an auto accident in Michigan on Oct. 22, 2004. My insurance coverage had lapsed ...
A: it seems to me that you are to be congratulated in this matter. That insurance company seems to ...
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| Value of recent repairs on salvage claim | 8/27/2008 | Richard |
Q: Farmer's Insurance has accepted 100% of the fault in an accident were their insured cut in front of ...
A: the only way that you could legally assert a claim for more money here would be if the vehicle was ...
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| MEDICAL CLAIM MADE BY NON-OWNER | 8/27/2008 | Denise |
Q: I AM A RESIDENT OF PENNSYLVANIA. ON 12/23/2003, MY FRIEND ASKED TO USE MY CAR. THERE WAS ACCIDENT ON ...
A: The types of coverages that could be involved in this accident would be determined by the situation. ...
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| CAR ISURANCE | 8/27/2008 | Richard |
Q: I HAD A ACCIDENT IN MY CAR A WEEK AGO IT IS NO FAULT OF MINE SO GOING THROUGH HIS INSURANCE SO IVE ...
A: if the vehicle is no longer driveable and has been considered to be a total loss then I see no ...
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| Rental car accident - who is responsible? | 8/27/2008 | Denise |
Q: I had recently rental a car in SF CA from Enterprise. I was the contract holder but my friend was ...
A: The person who signed the contract is the one personally liable for all damages. If you didn't ...
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| Rental car accident | 8/27/2008 | Bennie 719 |
Q: I had rented a car with Enterprise in June of 2008 in San Francisco CA. My friend was listed as an ...
A: Since your friend was driving and has her own insurance but was listed as a driver on the rental ...
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| tree fell on my car | 8/26/2008 | Denise |
Q: I stopped at a friends house to pick up my son while I was parked there a tree fell on my car it was ...
A: If you have pictures showing the tree was very rotten, then you possibly have some recourse from the ...
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| no insurance | 8/26/2008 | Richard |
Q: my son was involved in an accident in Texas recently. He was driving with no insurance. Bad, bad he ...
A: I do not know about the criminal laws for not carrying insurance in the state of Texas so I do not ...
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| No insurance invalded in a accident....... | 8/26/2008 | Bennie 719 |
Q: On Thursday 8/21/08 I've been involved in a accident. i was at a red light waiting for the light to ...
A: You state that the other driver has a problem with the state of California and is not supposed to be ...
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| Homeowners insurance/ liability | 8/26/2008 | Denise |
Q: I have a friend who fell down a leech pit on a septic system. The lid collapsed under him and he ...
A: Standard homeowners coverage does include liability, however, if the person living in the home was ...
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| Insurance lapsed and I was involved in an accident | 8/25/2008 | Richard |
Q: I was involved in an auto accident in Michigan on Oct. 22, 2004. My insurance coverage had lapsed ...
A: what you sent me is a well and clearly stated definition of property damage in the Michigan legal ...
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| Insurance lapsed and I was involved in an accident | 8/25/2008 | Richard |
Q: I was involved in an auto accident in Michigan on Oct. 22, 2004. My insurance coverage had lapsed ...
A: as far as I know there is no statute in existence which would bar the insurance company from ...
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| house fire | 8/25/2008 | Denise |
Q: I was at my girlfriends house for lunch by myself. I fried some frenchfries for lunch in a pot on ...
A: I've heard of the insurance company coming after you for the damages from accidently starting a fire ...
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