| Subject | Date Asked | Expert |
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| Actual Cash Value | 10/8/2008 | Richard |
Q: I have always wondered what happens in the event of an accident where the insured has physical ...
A: if this claim is being paid under the collision coverages that the individual was insured for or ...
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| Liability for daughter hitting bicyclist | 10/8/2008 | Richard |
Q: My 23 year old step-daughter's car is in my name and covered in my auto insurance. Yesterday, she ...
A: as long as your insurance company knows that your step-daughter is insured with them under your ...
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| Courts | 10/8/2008 | Richard |
Q: My daughter & i were in a car crash in March. (other drivers fault). We told them we want to settle ...
A: this money should be in a bank account earning interest and it wouldn't matter if you moved to ...
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| insurance cancelled and still drove her car | 10/7/2008 | Richard |
Q: My daughters car insurance has been canceled. she is 20. She is still driving her car. She lives at ...
A: I strongly suggest that you rein in that "wild child" immediately or at least help her to obtain ...
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| My dock damaged by my boat | 10/7/2008 | Denise |
Q: In preparation for Hurricane Gustov, I tied off my boat between my bulkhead and my dock. The boat ...
A: I don't see how the boat policy would respond, since the storm is considered an Act of God, the ...
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| Courts | 10/7/2008 | Richard |
Q: My daughter & i were in a car crash in March. (other drivers fault). We told them we want to settle ...
A: the courts are very strict about matters involving a minor. They vigorously defend and protect any ...
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| Unemployment Insurance Benefits | 10/7/2008 | Richard |
Q: I have just quit my part-time job at a retail store because of foot pain and hours of work. I am ...
A: somehow I do not think that you are pressnting this question to them in the proper manner or they ...
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| Unemployment Insurance Benefits | 10/6/2008 | Richard |
Q: I have just quit my part-time job at a retail store because of foot pain and hours of work. I am ...
A: giving up the part-time job does not have anything to do with being laid off from your full-time one ...
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| car crash | 10/6/2008 | Richard |
Q: My daughter was involved in a two car accident two weeks ago. She was traveling northbound and ...
A: the City you are referring to is correct that this is a 50/50 liability matter in light of the ...
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| Auto insurance company is threatening me with court | 10/6/2008 | Denise |
Q: In April of this year I was backing out of my driveway and I bumped into a car that was parked on ...
A: You will need to make arrangements to pay for the damage, or turn it into your insurance company if ...
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| Accident with someone else's car | 10/6/2008 | Denise |
Q: I was just recently in a little fender bender with my friend's car. I was just wondering how the ...
A: You will need to get your friends insurance information. Liability for accidents goes first to the ...
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| Car accident | 10/5/2008 | Richard |
Q: My car was hit in the back bumper when my wife was stopped for a light. The party that hit her said ...
A: did your wife also get the license plate and insurance info? If so then just call the insurance ...
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| NY State Disability Insurance | 10/5/2008 | Richard |
Q: I work for a private firm which provides short term disability insurance through a private carrier. ...
A: I am astonished that the NYS Dbl bureau does not have a FAQ listing for this type of circumstance. ...
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| How to handle a Condo Water Damage Chaim? | 10/3/2008 | Richard |
Q: In the condo above mine, their refrigerator ice maker broke and flooded my ceiling & carpet. The ...
A: without actually having those by-laws in front of me to read I do cannot say with any certainty who ...
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| coverage | 10/2/2008 | Denise |
Q: I don't know much but I brought a car got it insured. My friend moves in he has his own car and own ...
A: If he was drivng your vehicle, then it's possible they could take action on your renewal. If you ...
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| How to handle a Condo Water Damage Chaim? | 10/2/2008 | Richard |
Q: In the condo above mine, their refrigerator ice maker broke and flooded my ceiling & carpet. The ...
A: the first thing that you should do is check with an insurance company regarding the matter of ...
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| Automobile accident and providing a rental car. | 10/1/2008 | Denise |
Q: I was hit (not at fault) on 08/07/2008. Liberty Mutual decides they are going to repair the vehicle. ...
A: I agree, that they should be in a position to cut the check before cutting off your rental car. You ...
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| Homeowners Insurance Nightmare | 9/29/2008 | Denise |
Q: On 8/07/07, I went to a Nationwide agent to change my policy from State Farm. The agent bound me ...
A: Without seeing all the paperwork, I can't say for certain, however it sounds to me like this may be ...
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| Unemployment benefits | 9/29/2008 | Richard |
Q: We recently had one of our employees test positive for an illegal drug on random drug test. Per our ...
A: the applicant is entitled by law to have a hearing regarding his denial. He will most likely claim ...
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| carpet issues and depreciation | 9/29/2008 | Denise |
Q: I have an HO5 with SF here in Arizona. I recently suffered a water loss from a toilet flapper that ...
A: I don't see that they will pay for what is not damaged. You could try contacting your state's ...
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| Mercury lapse in coverage (1 day) | 9/29/2008 | Richard |
Q: Richard, We just received the final denial in our claim. Would we be best in obtaining an attorney ...
A: since you did not attach this as a follow-up to a previous question {which I am assuming to be the ...
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| Insurance Lapse | 9/29/2008 | Denise |
Q: Recently I purchase a new car in January with a trade of the old vehicle. All insurance information ...
A: I'm afraid you may need an attorney on this, to deal with the fine, unless your auto carrier will ...
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| condo water damage | 9/29/2008 | Richard |
Q: A hose from our AC unit in our condo was accidentally moved away from the drain resulting in water ...
A: the answer to this lies within the coverage section of your insurance policy and also in its ...
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| accident 07-12-07 | 9/27/2008 | Richard |
Q: first off thank you for doing this. it is very hard getting a straight answer from the lawyers i've ...
A: first allow me to express my sympathies for your unfortunate injuries and the pain and suffering ...
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| Getting a total loss | 9/27/2008 | Denise |
Q: I have 2 claims, a hail claim and a collision claim. When I took my car in, it turns out it is ...
A: They are correct, in that it would have to be one incident that totals out the vehicle. It would ...
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| auto accident | 9/26/2008 | Denise |
Q: I was rear-ended in a 4 car accident. I was the second car hit. My vehicle sustained over 7000 in ...
A: I'm not an attorney, nor am I from Oregon, so I can't advise you specifically. I do know it's more ...
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| carpet issues and depreciation | 9/26/2008 | Denise |
Q: I have an HO5 with SF here in Arizona. I recently suffered a water loss from a toilet flapper that ...
A: SF will only pay for the actual damage that occurred, not any losses that occur due to the ...
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| insurance claim | 9/26/2008 | Richard |
Q: My wife had an accident in 2006, AAA requested we take it to an approved repair shop. They stated ...
A: you are going to have to dredge up all of the records pertaining to the 2006 accident and subsequent ...
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| Brand New Car Accident | 9/26/2008 | Denise |
Q: I just got my car barley 24 hrs ago and it has been parked in my drive way awaiting my new ...
A: If you traded in your old car for this new car, and had physical damage coverage on the old car, you ...
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| Driving Uninsured Vehicle | 9/25/2008 | Richard |
Q: I was pulled over for driving my uninsured automobile in MA. I have not had insurance in MA for ...
A: this question would be best answered by either a criminal Attorney or by the MA. DMV because they ...
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| financial responsibility | 9/25/2008 | Denise |
Q: i was i auto accident that the vehicle i was drive did have insurance on it but owner of the vehicle ...
A: If your state has a mandatory insurance law, and you were operating a vehicle without insurance, you ...
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| INSURANCE THEFT POLOCY | 9/25/2008 | Denise |
Q: Secure Van Lines used my credit card and signed my signature to pick up my entire house hold ...
A: Wow, what a bizarre situation. It doesn't meet the definition of theft, because it's known where ...
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| TREE | 9/24/2008 | Richard |
Q: There was no damage. Who is responsible for clean-up (and firewood)? Insurance tells me it is my ...
A: the answer to this question is best resolved by reading your own insurance policy because ...
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| car ins/ rental coverage | 9/24/2008 | Richard |
Q: Hell, I was recently in an accident in Texas. I was hit from behind at an intersection and the ...
A: have you contacted your own insurance company yet? You may have better rental car coverage but I ...
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| Can we sue our condo for our stolen bike? | 9/24/2008 | Richard |
Q: Yesterday as my husband came back from work he noticed his motorcycle was gone from our assigned ...
A: if the condo's insurance had coverage for an event such this then you shouldn't even have to sue ...
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| Broken arm | 9/24/2008 | Denise |
Q: My 9 year old son severely broke his arm getting off of a neighbor's trampoline. My neighbor has ...
A: You may want to consult with an attorney, who can research what laws apply to negligence in your ...
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| Horse Accident | 9/24/2008 | Denise |
Q: 30 totaled the van. We paided our insurance on the 29th they took the payment cashed the check, sent ...
A: It's hard to say what the status of your policy is. It would depend on what the actual policy ...
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| water damage | 9/24/2008 | Denise |
Q: we have unit owner whose air conditioner leaked and caused damage to lower unit ceiling and wall. ...
A: The association would be best to consult their attorney or it's insurance company to confirm that ...
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| fender bender | 9/24/2008 | Richard |
Q: One of my family members was involved in a fender bender. The car they hit had their left turn ...
A: I wouldn't be too nervous about this event if I were you. There is absolutely no law that says that ...
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| auto insurance for 18yr old in college | 9/24/2008 | Denise |
Q: What if any auto insurance should I carry for my 18yr daughter who is in school in Massachusetts? ...
A: I would recommend contacting your insurance company, and provide proof that she is attending college ...
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