| Subject | Date Asked |
|
| No fault | 8/28/2008 |
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 ...
|
| Rear-end Collision | 8/28/2008 |
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 ...
|
| Insurance lapsed and I was involved in an accident | 8/28/2008 |
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 ...
|
| Value of recent repairs on salvage claim | 8/27/2008 |
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 ...
|
| CAR ISURANCE | 8/27/2008 |
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 ...
|
| no insurance | 8/26/2008 |
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 ...
|
| Insurance lapsed and I was involved in an accident | 8/25/2008 |
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 ...
|
| Insurance lapsed and I was involved in an accident | 8/25/2008 |
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 ...
|
| Life Insurance Policy | 8/23/2008 |
Q: My friend's husband took out a policy for $25,000 in June 2008 and gave them a check, They told him ...
A: I am glad that your friend contacted an Attorney. Ordinarily I would say that given the new set of ...
|
| Adult child in another state | 8/22/2008 |
Q: Our daughter is going through a divorce and her soon-to-be-ex-husband will be keeping the family ...
A: I do not see why your current insurance company would not insure this extra vehicle on your policy ...
|
| can anything be done about an inaccurate "negligent" finding? | 8/22/2008 |
Q: My husband was in a chain reaction accident Feb. 2006. The driver behind him was found negligent for ...
A: it seems as if you and your husband have run up against a sloppily run insurance company and their ...
|
| Accidental Death Benifiets | 8/21/2008 |
Q: My father was in a car accident and was killed upon impact. The country road had skid for a long ...
A: I am assuming that you are not asking about any accidental death insurance that was on the vehicle's ...
|
| Motorcyle accident on Garden State Hwy. | 8/20/2008 |
Q: On July 17,2008 I was riding a very good friend of mine Custom Chopper on the Garden State Parkway. ...
A: allow me to start by saying that you must be going to the right church to have been able to walk ...
|
| please help | 8/20/2008 |
Q: My car was parked thou damages on my car are 8000 dollars i have the report the guy has insurance ...
A: the fact that your vehicle was not insured at the time of the event does nothing to change the fact ...
|
| definition of totaled out car | 8/18/2008 |
Q: My question is what happens when the insurance company totals out a car. I was hit by someone ...
A: when a vehicle is considered to be a total loss it means that the repairs are going to cost more ...
|
| Auto accident | 8/17/2008 |
Q: On Thursday i was approching an intersection in which someone was stopped in the middle of the road, ...
A: the way I see this situation is that you have run up against a scam artist who does this type of ...
|
| Health Insurance Question | 8/16/2008 |
Q: I injured my back and subsequently had x-rays, MRI and numerous doctors visits. I was just recently ...
A: I am laughing as I write this response because I know where the health insurance company is coming ...
|
| Life Insurance Policy | 8/15/2008 |
Q: My friend's husband took out a policy for $25,000 in June 2008 and gave them a check, They told him ...
A: a lot of this would depend upon whether or not your friend has a copy of the insurance policy with ...
|
| Stolen & Wrecked Vehicle | 8/15/2008 |
Q: A relative living with us was given the house keys to enter which also held the truck key. This ...
A: in my opinion you are going after the wrong entity in attempting to appeal this decision on the part ...
|
| left hand turn | 8/15/2008 |
Q: I was making a left turn on a two way road. I saw a vehicle approaching but felt I had sufficient ...
A: since you cannot prove either speeding or cell phone use I am afraid the ticket is valid because the ...
|
| pre-existing conditions/divorce | 8/11/2008 |
Q: I have a brother that has had lymphoma, he is in relapse and has been for some time and is in good ...
A: this is a real tough one. The first thing your brother must do is to obtain a copy of the insurance ...
|
| NY Disabled van damaged(lengthy) | 8/11/2008 |
Q: Tuesday, July 29, 2008 I bought my 1998 Ford Econoline 150 van in for its NYS inspection. I took it ...
A: I am very, very sorry for such a terrible event to befall you! My opinion is that you should ...
|
| car damage while in mechancial shop | 8/11/2008 |
Q: What if I put my vehicle in the mechanical shop for repairs and after the mechanical call and stated ...
A: you can absolutely sue the shop and in my opinion you should do so if they do not voluntarily agree ...
|
| Car Insurance Lapse | 8/10/2008 |
Q: I've had State Farm car insurance for the past 15 years, and have had the same agent for 13 years. ...
A: hopefully this will be rectified without any further hassle to you by State Farm but if not then ...
|
| insurance gaps | 8/9/2008 |
Q: I have a condo in southwest Florida and we recently had water damage. Per a Florida statute there ...
A: this is a toughie because both insurance policies would have to be read very carefully to see ...
|
| Builder Liability for Leaky roof in New House construction | 8/8/2008 |
Q: Just after five years of single ownership of a new home, strong winds and rain apparently caused a ...
A: I have never heard of a guarantee on a newly constructed home to be longer than one year but I am ...
|
| speeding ticket | 8/7/2008 |
Q: While driving to work today I was following the same car for about 8 miles. The speed limit on this ...
A: if the posted speed limit at the stretch of road where you passed the other vehicle was 35MPH then ...
|
| Taxis in NJ | 8/4/2008 |
Q: Are Taxi's in NJ required to carry either PIP or MedPay coverage?
A: the last time I had any dealings with N.J. no-fault laws ALL vehicles were required to carry it. ...
|
| Insurance Termination Letter | 8/4/2008 |
Q: I let my son drive my car (he does not live with and is not under my insurance and does not own a ...
A: why not call either the DMV or your State Insurance Dept. If the insurance is mandatory in your ...
|
| Insurance Termination Letter | 8/4/2008 |
Q: I let my son drive my car (he does not live with and is not under my insurance and does not own a ...
A: there is nothing else to do but bite the bullet and get yourself a new insurance policy with another ...
|
| Auto Insurance | 8/2/2008 |
Q: I recently changed auto insurance companies on 7/1/08. I mistakenly thought my auto insurance ...
A: I think that the first people to contact is the old insurance company because if your premiums were ...
|
| Auto accident and Health Insurance | 8/2/2008 |
Q: quick question. My wife was involved in a MVA which she was not at fault for. At the time of the ...
A: I do think that you are looking at this in a one sided manner but I certainly do not fault you for ...
|
| mva/NJ | 8/2/2008 |
Q: My daughter aws in an mva. She was a passenger,her friend was the driver.He recieved a ticket for ...
A: yes you are bound by the coverage limits on his insurance policy but once again, your daughter has ...
|
| Got T Boned with no insurace | 8/1/2008 |
Q: I was making a left turn , i was in the middle of the intersection waiting on a yellow light, when ...
A: , the fault for such an accident almost always lies on the shoulders of the left turning driver but ...
|
| Auto accident and Health Insurance | 8/1/2008 |
Q: quick question. My wife was involved in a MVA which she was not at fault for. At the time of the ...
A: I see where you want to go with this. The problem with it is that your wife chose her new career ...
|
| MD MVA SCAM | 8/1/2008 |
Q: I received a letter today from Baltimore, MD alleging that I owe an absurd amount of money for a ...
A: if you check my recently answered questions you will see a recurring pattern with the Maryland DMV! ...
|
| Parent's Liability for drivers under 21 yrs. | 7/31/2008 |
Q: In NYS, are parents liable for auto accidents, if their children, under the age of 21, have their ...
A: the way I remember it in N.Y. is that anyone suing the minor could file against the parents through ...
|
| mva/NJ | 7/31/2008 |
Q: My daughter aws in an mva. She was a passenger,her friend was the driver.He recieved a ticket for ...
A: generally speaking under N.J. no-fault regulations an injured person receives no-fault benefits ...
|
| Car Stolen, extra key inside | 7/30/2008 |
Q: our car was stolen from a parking lot last week. We have an 07 Ford Explorer. THe extra set of keys ...
A: many auto manufacturers have made claims of newer security systems which are foolproof. I do not ...
|
| uninsured driver | 7/30/2008 |
Q: my boyfriend was in traffic when a car rear ended him and another car the driver who caused the ...
A: O.K., I guess I had it correct but just wanted to make sure. What you should do is to obtain a copy ...
|
| uninsured driver | 7/30/2008 |
Q: my boyfriend was in traffic when a car rear ended him and another car the driver who caused the ...
A: Nancy, I am having trouble following you in this question. Are you saying that a vehicle being ...
|
| Car Stolen, extra key inside | 7/30/2008 |
Q: our car was stolen from a parking lot last week. We have an 07 Ford Explorer. THe extra set of keys ...
A: if the vehicle is found then the insurance company will most likely give you a difficult time with ...
|
| maryland Insurance lapse default | 7/30/2008 |
Q: Richard, I moved from Maryland in March of 2005 and just received 2 letters from the state of ...
A: due to the recent volume of questioners asking about this very same problem{I just answered one ...
|
| auto lien | 7/29/2008 |
Q: I bought a car from a small company who offered "in-house" financing options. I paid the car off ...
A: never, ever pay for anything in cash without obtaining a receipt for the payment! The only thing I ...
|
| Maryland Insurance lapse | 7/29/2008 |
Q: Richard, I moved to Colorado from Maryland 7 years ago and I'm just now getting a bill from the Md. ...
A: yes indeed this Maryland DMV is a madhouse and every time I get one of these questions about ...
|
| left turn accident | 7/29/2008 |
Q: My wife was approaching the stop sign at the end of our unpaved, kinda narrow road today. She ...
A: the fault for this accident would be determined by the where your wife's vehicle was at the time of ...
|
| hit and run liable? | 7/28/2008 |
Q: I'm posting from the state of Arkansas and hope that perhaps some advice can come from my query. ...
A: your problem is that in a matter such as this the burden of proof lies on your shoulders and you do ...
|
| car insurance | 7/26/2008 |
Q: i have car liability. my 18 year old daughter is on it since 16.i was thinking of gifting the car to ...
A: you should make up a bill of sale which states the year make and model of the vehicle along with the ...
|
| car insurance | 7/25/2008 |
Q: i have car liability. my 18 year old daughter is on it since 16.i was thinking of gifting the car to ...
A: the question of out of state coverage lies in your insurance policy itself. Most have such coverage ...
|
| tree totaled my car | 7/25/2008 |
Q: I live in Rochester NY and last night a tree fell and totaled my car. We have pictures of the tree ...
A: the condition of that lot and the fact that it is unsuitable for building on it should make no ...
|
| car accident damages condo garage | 7/24/2008 |
Q: 4 young men using uninsured, borrowed car (no one with driver's license) drive off private condo ...
A: Best of luck with all of the repairs!
|
| tree totaled my car | 7/24/2008 |
Q: I live in Rochester NY and last night a tree fell and totaled my car. We have pictures of the tree ...
A: unfortunately for the new owners they are responsible for the damages through their homeowner's ...
|
| Left turn accident | 7/24/2008 |
Q: I was making a left turn on a controlled intersection with signals. A car comming straight hits ...
A: the vehicle and traffic laws all blame an accident on the person making the left hand turn because ...
|
| Failure to yeild right of way | 7/23/2008 |
Q: I was involved in a accident where I was traveling north and a car was traveling east. I saw her ...
A: of course you have a chance and if you do a good job of putting all of your evidence together you ...
|
| Contributory Negligence | 7/21/2008 |
Q: On Mother's Day, 2007, I was following a Chevy Silverado 2500 on MD 65 in my 2000 Honda Civic. The ...
A: the way I see this situation it is one of "passing on the right" which runs against the VTL rather ...
|
| Rental car accident | 7/19/2008 |
Q: What is the general outcome if someone lends a person a rental car for a few hours and that person ...
A: this is not a good scenario for the person who rented the vehicle because he breached his rental ...
|
| Bent the bumper of a friends car. | 7/18/2008 |
Q: My friend let me use his car to go pick up my other friend's car, as I started backing out of the ...
A: that is what a deductible means. In order to receive a decrease in one's insurance premium the ...
|
| Bent the bumper of a friends car. | 7/17/2008 |
Q: My friend let me use his car to go pick up my other friend's car, as I started backing out of the ...
A: if their full coverage covers them for collision damage they should be covered and should file a ...
|
| parking cars or vans too long for parking space | 7/16/2008 |
Q: I was curious about the issue of parking vehicles that are too long for the parking space. I work in ...
A: I do not know of any State laws regulating this circumstance. You can inquire about this problem ...
|
| i was rear ended by unisured motortist | 7/16/2008 |
Q: i was rear ended buy a man who said he was insured and gave me a copy of the card and all. i found ...
A: there is usually a grace period which might increase the insurance protection term but you and I ...
|
| parking lot accident-t bone intersec. | 6/15/2008 |
Q: My daughter was in an accident in her school parking lot. There are 3 aisles of 2-way traffic and ...
A: hopefully when you and your daughter called in this accident to your insurance company she mentioned ...
|
| accidental death benefits denied | 6/15/2008 |
Q: My dearest best friend of 30 years was recently killed in a car accident. As beneficiary, I was ...
A: I need to know if this denial is coming from the life insurance company or if it was coming from her ...
|
| stolen truck in accident w/ no insurance | 6/14/2008 |
Q: I have a problem. I'm hoping that you can help me out with it. Back in August of 2007 my truck was ...
A: if you never turned the plates in for that truck then there will be a problem. Before you start to ...
|
| Stolen car claim | 6/14/2008 |
Q: Here goes...my wife's car is registered in Maryland. Her car was stolen in Maryland on May 11th. ...
A: yes my answer should still apply and even more so. This would mean that VW credit is not even the ...
|
| Ins Deductible | 6/14/2008 |
Q: My car flooded in February 08 and I took it to one of the shops that USAA recommended. When the car ...
A: before you do anything I suggest that you contact USAA to find out how much the original bill was ...
|
| Stolen car claim | 6/14/2008 |
Q: Here goes...my wife's car is registered in Maryland. Her car was stolen in Maryland on May 11th. ...
A: every question which I have been answering and deals with the State of Maryland recently is a ...
|
| auto insurance | 6/14/2008 |
Q: S. coast guard and i just got pcs orders to san diego ca. my car is registered and insured in the ...
A: the answer to this lies with the legnth of time that you and your vehicle will be domiciled in ...
|
| Hit by a bus while stopped to let a passenger get into the car | 6/14/2008 |
Q: We reside in the State of California. My husband was picking me up at a bus stop. Our car was at a ...
A: I am having trouble picturing this event in my mind. Where was the bus coming from that he had to ...
|
| Laps in Car Insurance | 6/13/2008 |
Q: I had a car accident on Tuesday morning around 8 am. I was trying to avoid and accident and ended up ...
A: if this accident was your fault then you had best read your insurance policy closely to find out if ...
|
| Tree fell on my parked car | 6/13/2008 |
Q: My car was parked on a street (Brooklyn, NY) and during a storm a branch of a tree fell on my car. ...
A: if this was classified as a "curb tree" and was alive for more than 3 years then the city is ...
|
| Accident with a rental car | 6/13/2008 |
Q: I live in Connecticut. Last night I was following an acquaintance and I rear-ended her car when she ...
A: I need to know who is officially on the rental agreement. Did you sign an agreement or was the ...
|
| bought possible stolen car | 6/12/2008 |
Q: I live in WI, my father in CO bought a car for me. The seller said that he was selling his father's ...
A: this question would be best asked of someone who is an expert in criminal law. Either the person ...
|
| Out of State coverege | 6/12/2008 |
Q: I droe up to California to visit my family from Texas and while I was on my vacation a car hit me. ...
A: are you asking about your insurance company or the insurance company which insures the other ...
|
| house fire | 6/12/2008 |
Q: my house caught fire in april, the local fire dept. came and put it out and investigated and found ...
A: are you saying that the insurance company is denying your claim? If so then get the report from the ...
|
| pressing charges | 6/12/2008 |
Q: My wife was in a car accident and it was determined (witnesses etc.) that it was the fault of the ...
A: the term "pressing charges" is incorrect. Your wife merely has to show up in court and give sworn ...
|
| Towing Company responsibility | 6/12/2008 |
Q: After having my car washed it failed to start. Apparently the control box got wet during the wash ...
A: that adjustor was 100% correct that you have to develop a snarl in dealing with the towing company! ...
|
| Left Hand Turn /U turn Accidents | 6/12/2008 |
Q: There was no green arrow turn, just a green light. He said one car went through and he didn't see ...
A: the bush in the island should make the person contemplating the left turn even more cautious before ...
|
| Son wrecked his friends motorcycle who has no insurance | 6/11/2008 |
Q: the freind has no Florida insurance. my son does not have motorcycle insurance either, he was hurt ...
A: I am afraid that the friend has absolutely no liability for this event unless that bike had some ...
|
| Farmers low balld me | 6/11/2008 |
Q: when they installed it when they cut the steel transmission line to add the cooler they didn't flair ...
A: I think that this is a matter of semantics because in the insurance policy there generally is a ...
|
| 16 yr old regarding insurance | 6/11/2008 |
Q: My 16 yr old wants to get his liscence. He has finished Driver's Ed and his required drive time. ...
A: this question would be best asked of your insurance agent. You can easily have your son added to ...
|
| Farmers low balld me | 6/11/2008 |
Q: when they installed it when they cut the steel transmission line to add the cooler they didn't flair ...
A: get copies of all correspondence and evidence regarding this matter as well as value reports from ...
|
| Auto Insurance | 6/10/2008 |
Q: I recently applied for Auto Insurance. The deal was made but then 2 months later they claim that 5 ...
A: this is perfectly legal for the insurance company to do. They search your driving records in order ...
|
| Private Parking Lot Laws | 6/10/2008 |
Q: I was originally parked in an elementary school parking lot. I had checked over both shoulders to ...
A: unfortunately the person doing the backing out of a parking spot or driveway is always held ...
|
| Towing Company responsibility | 6/10/2008 |
Q: After having my car washed it failed to start. Apparently the control box got wet during the wash ...
A: the towing company for not adequately and safely hooking up your vehicle were the negligent party no ...
|
| unemployment insurance question | 6/10/2008 |
Q: I need to know if you legally qualify for unemployment benefits if you lost your job due to being ...
A: the answer to the first part of your question is yes. You were technically terminated through no ...
|
| car theft | 6/10/2008 |
Q: Our car was stolen from in front of our appartment building. It was burned approximately 3.5 hours ...
A: this cop is obviously insane! What right does he have to make such accusations? I think that you ...
|
| Left Hand Turn /U turn Accidents | 6/10/2008 |
Q: There was no green arrow turn, just a green light. He said one car went through and he didn't see ...
A: I am sorry to say that your son was at fault in causing this event. It is always the duty of the ...
|
| hit and run | 6/9/2008 |
Q: I was parked in a parking lot when i walked outside i noticed that someone had backed up into my ...
A: I am afraid that there isn't much you can do besides "eating" the deductible and getting the repair ...
|
| insurance for permit driver | 6/9/2008 |
Q: I have a daughter who will be 16 in July. She has her drivers permit. All of her friends parents do ...
A: I do not believe that there exists any insurance laws that regulate the insurance premium rates in ...
|
| Parking Lot Accident - Right of Way? | 6/9/2008 |
Q: My husband recently had an accident in a parking lot. He was driving straight - North, while a woman ...
A: after all of the dust settles on this event I believe that the insurance companies will agree that ...
|
| Law re: uninsured parked car | 6/9/2008 |
Q: I live in the state of Pennsylvania. My car insurance recently lapsed and I was in the process of ...
A: the police are not responsible because it wasn't even them who hit your vehicle. However, you can ...
|
| Law re: uninsured parked car | 6/9/2008 |
Q: I live in the state of Pennsylvania. My car insurance recently lapsed and I was in the process of ...
A: there are two things that come to mind. The first is to file a claim with the Crime Victims ...
|
| canceling insurance policy | 6/8/2008 |
Q: My daughter driving my husbands truck rear ended two vehicles. The accident was her fault. We are ...
A: as long as the truck insurance policy was in effect and the insurance premium was paid in full up to ...
|
| parking forward vs backed in | 6/7/2008 |
Q: have any studies been done as to frequency of accidents backed in vs parking facing forward in ...
A: I am not sure about any studies of the merits of parking by backing in but I am sure that insurance ...
|
| need help | 6/7/2008 |
Q: My name is Monique. I just bought a van for my bad few days ago. We have gigs in many states and are ...
A: this is excellent news and far faster than I would have expected! Have that insurance adjustor send ...
|
| Backing out of a parking space collision | 6/7/2008 |
Q: I was recently backing out of a parking space in a lot, and before getting into the vehicle and ...
A: the driver who is doing the backing out from any parking spot or driveway is always at fault in ...
|
| Inolved in accident with no license | 6/6/2008 |
Q: My girlfriend and I live together and own a car. It is in her name as far as both the bank and the ...
A: the only thing that comes to mind would be for your girlfriend to claim that you stole her vehicle ...
|
| Parking Lot Accident - Right of Way? | 6/6/2008 |
Q: My husband recently had an accident in a parking lot. He was driving straight - North, while a woman ...
A: if one of the lanes was a two-way road while the other was one way only then the two-way road would ...
|
| How do insurance companies value a Car? | 6/5/2008 |
Q: My car was hit about a week ago, other driver was determined to be 100% at fault by his insurance ...
A: you can use Carfax and Edkins on-line services to find out the value of your vehicle in your ...
|
| Sideswipe | 6/4/2008 |
Q: I arrived home at my complex, went over a speed bump. There was a car in front of me and a car ...
A: without any traffic controlling device in place it is the other driver who is at fault for causing ...
|
| Nationwide Refusal to Settle | 6/4/2008 |
Q: I've got an issue with a settlement claim from Nationwide and was hoping you might be able to lend ...
A: gather all of your proofs regarding this event and sue the other driver in small claims court or in ...
|
| Auto insurance lapse in Maryland | 6/4/2008 |
Q: My question revolves around a motorcyle I had from August of 2002 until October of 2005. It was the ...
A: I have had several questions regarding the Maryland DMV and their fines which seem to me to be ...
|
| car insurance | 5/31/2008 |
Q: In 2006, my son rear eneded a car on its way home. There were two people in the other car. A mother ...
A: not only is this legal but it is also a necessary and commonplace part of the "discovery" process in ...
|
| Letting friends borrow my car??? | 5/27/2008 |
Q: I'm moving across country for the summer and two of my friends are borrowing my car while I am gone. ...
A: what you are looking for is a type of "hold harmless" agreement. This agreement should be witnessed ...
|
| fallen tree | 5/27/2008 |
Q: About a month ago, a storm came through our area and knocked down two of our trees. One just fell in ...
A: , this is your tree so your insurance is responsible for the claim. If it was your neighbor's tree ...
|
| parked car | 5/22/2008 |
Q: my son is in the army and stationed at fort hood he was attending classes in louisiana he has been ...
A: the mail truck driver is at fault. Your son should contact his insurance company to determine if ...
|
| Compulsory Insurance | 5/16/2008 |
Q: Richard, hi. I live in UK and a sports body is insisting our club takes ou there public liability ...
A: I am not sure that I understand exactly what a "sports body" is. Is this some type of club which ...
|
| rental car insurance? | 5/12/2008 |
Q: I currently live in New York and have a New York Driver's license. I do not have a car and do not ...
A: it doesn't matter which State you lease the vehicle in because the car rental company would not ...
|
| rear end collision | 5/12/2008 |
Q: i am 19 years old still on my GDL program. i was involved in an accident when we were both parked ...
A: there are too many variables here to give very definitive answers. The make, model and year of the ...
|
| unemployment insurance law | 5/8/2008 |
Q: I OWN A LIMOUSINE COMPANY IN NEW YORK AND PAY MY EMPLOYEES ON A.D.P.SYSTEM WHICH PAYS ALL MY TAX ...
A: you should check with a tax specialist on this question but my best answer is that if you send the ...
|
| Nationwide will not pay for the body work done to my truck because they said it's too expensive | 5/8/2008 |
Q: My truck was rear ended by another drive whom was insured by Nationwide. Nationwide had claimed ...
A: you can formally complain to your State Insurance Dept. or Commissioner but I doubt that they will ...
|
| Hit and run? | 5/7/2008 |
Q: After class, I went to my car parked on the campus parking lot. I was told that my car was hit on ...
A: I would consider it a stretch to call this incident a hit and run but if your deductible is more ...
|
| Nationwide will not pay for the body work done to my truck because they said it's too expensive | 5/6/2008 |
Q: My truck was rear ended by another drive whom was insured by Nationwide. Nationwide had claimed ...
A: get your estimates, the police report, and any correspondence from Nationwide which admits that ...
|
| Grandson's death | 5/6/2008 |
Q: my grandson died on April 7th from a self inflicted gun shot wound.The police report called it a ...
A: I do not think that the funeral home is at fault here. They provided a service and expected to be ...
|
| My car declared a stolen vehicle | 5/6/2008 |
Q: I purchased a car in 2001 from an Auto Dealer in Namibia which I finished paying in 2005. This year ...
A: I can only give you some ideas on how to "kick start" this quest. The first one is to send a letter ...
|
| parking lot accident--NOT backing up | 5/2/2008 |
Q: A couple days ago, I was driving in a lane (aisle?) in a mall parking lot. In this particular area ...
A: since there were no actual stop signs at that T-bone intersection and both you and the other driver ...
|
| Driving someone elses car | 5/2/2008 |
Q: October 31, 2007 I was driving a care that was bought for me but in my dads name. My father told he ...
A: before doing anything you have to find out the exact reason that this event is not being covered. ...
|
| cut off | 4/29/2008 |
Q: Hey my question for you is i recently was driving and i pulled out onto a main road and i cut off ...
A: this sounds like an instance where the old adage "no good deed goes unpunished" becomes relevant. ...
|
| NJ rental car in NY accident | 4/29/2008 |
Q: My employee rented a car in NJ from Enterprise Rent A Car (ELRAC). The Rental agreement allowed him ...
A: unless there was some sort of clause in the rental agreement regarding the use of the rental in ...
|
| Accident: Left & right turn cars | 4/28/2008 |
Q: Two weeks ago I had an accident. Accident happened on a T intersection. I was getting out my ...
A: this is tough because of the point of impact and the areas of damage to the vehicles. It would ...
|
| NJ rental car in NY accident | 4/28/2008 |
Q: My employee rented a car in NJ from Enterprise Rent A Car (ELRAC). The Rental agreement allowed him ...
A: in my opinion your employee should not be hassled by any of this. If ELRAC feels that they have any ...
|
| commercial insurance | 4/26/2008 |
Q: If an ex-employee sues his former employer; and the jury finds the former employer guilty as charged ...
A: the only way to find the answer to this question is to read the coverages section on that commercial ...
|
| Gas Station gave bad gas which caused $1,000 damages to car | 4/26/2008 |
Q: Is it possible to sue a gas station for bad gas which caused $1,000 worth of damages to my car? I ...
A: anyone can sue anybody for anything at any time. The problem is in making it worthwhile. I am ...
|
| Home insurance claim | 4/22/2008 |
Q: A bathtub ran over in our house & when the company we hired to repair the damage came out, they told ...
A: I think that you are going to have to carefully read the coverage sections of your homeowner's ...
|
| casualty insurance or flood | 4/22/2008 |
Q: My insurance company called the casualty a Flood and refused to cover the damage my question is how ...
A: this is the same B.S. that insurance companies pulled on those poor people who suffered through the ...
|
| insurance settlement for car accident | 4/21/2008 |
Q: My daughter is about to get a setlement for injuries from an MVA last year. We were told by our ...
A: I have never heard of any sort of settlement cap that would allow for the dispersment of any monies ...
|
| Insurance coverage | 4/17/2008 |
Q: I live in Florida and my roof began leaking last year and now it's to the point where the ceiling in ...
A: aha, now I see where you are coming from. My answer will depend upon several things. Did you use ...
|
| Insurance coverage | 4/17/2008 |
Q: I live in Florida and my roof began leaking last year and now it's to the point where the ceiling in ...
A: unless your house is relatively new and thus still under warranty by the builder there is no claim ...
|
| car accident while backing out. | 4/12/2008 |
Q: The parking was one way & angled. The person who got hit was also backing up but I was in right side ...
A: this was exactly the reason that I asked about the areas of damage to both vehicles. The way you ...
|
| Blamed for an accident | 4/12/2008 |
Q: I was hit by a driver turning left. I had the right of way. I was heading west on a two-way ...
A: obtain the witness statements ASAP because even though a police report is totally off of the wall it ...
|
| car accident while backing out. | 4/11/2008 |
Q: The parking was one way & angled. The person who got hit was also backing up but I was in right side ...
A: before I can say if anyone is more at fault here I need to know where the damage is to both ...
|
| a moving car into my open door | 4/11/2008 |
Q: I was parked next to a coworker of mine in our garage and we were leaving at the same time. Both of ...
A: you are right, I am having a hard time envisioning this scenario. How could your co-worker not ...
|
| Auto Insurance for daughter, who does not live with me? | 4/11/2008 |
Q: I live in Michigan, and have custody of my three daughters. My 19 yr. old (lived w/ me from ages ...
A: I strongly agree with you in this matter. You would be commiting insurance fraud by putting your 16 ...
|
| Obtaining insurance info on other driver | 4/8/2008 |
Q: Recently I was hit by a Pennsylvania driver who refused to give me her insurance information. I have ...
A: Personal Injury lawfirms have a program that does license plate searches for which they pay a per ...
|
| Obtaining insurance info on other driver | 4/7/2008 |
Q: Recently I was hit by a Pennsylvania driver who refused to give me her insurance information. I have ...
A: you should be able to do a search through the Pa. Dept. of motor vehicles by either going there in ...
|
| Stolen truck | 4/4/2008 |
Q: We had a truck stolen in August of 2007, which was found totally destroyed in another city. We have ...
A: since this claim is still not decided you will most likely have to undergo the examinations under ...
|
| car accident in no fault state | 4/2/2008 |
Q: I live in Michigan we are a no fault insurance state. My daughters friend was parked on the ...
A: I am not particularly knowledgeable with Michigan insurance law except for the fact that your ...
|
| Auto Theft Claim Denial | 4/1/2008 |
Q: My father-in-law got us a vehicle; however, its titled and registered in his name. I got the ...
A: it seems to me that your father-in-law who is the titled owner of the vehicle should have and should ...
|
| Parked car hit | 3/31/2008 |
Q: I live in California and I have a question regarding an incident that occurred last night. My car ...
A: I can see from the question that you are a very nice fellow who does not want to financially hurt ...
|
| Son's friend driving car | 3/30/2008 |
Q: My 18yo son's car is titled in both of our names. I carry the insurance. He let a friend (age 19) ...
A: in my opinion the first thing for you to do is to get ahold of that police report or call report. ...
|
| Rental car insurance | 3/28/2008 |
Q: My sister in law was in an auto accident, hit head-on by a tourist from Saudi Arabia making an ...
A: first thing to do is to call the rental agency and demand to see a copy of the law or rules that cap ...
|
| UIM Claim | 3/27/2008 |
Q: I am a Police Officer in May 1997 I was struck by another vehicle while responding to an accident. ...
A: since your insurance company was not part of the original arbitration process the original award of ...
|
| Accident - No Headlights. | 3/27/2008 |
Q: Just the other day I was in a severe car accident around 8:30PM on my way to work. I was at a stop ...
A: since there were no witnesses to this event it would be your word against the word of the other ...
|
| Insurance on car financed to someone else? | 3/27/2008 |
Q: I want to let my sister in law be the primary driver of my car. The car is still being financed ...
A: in my opinion the best and easiest thing to do is to have all vehicles on the same policy. You ...
|
| Insurance on car financed to someone else? | 3/25/2008 |
Q: I want to let my sister in law be the primary driver of my car. The car is still being financed ...
A: to be honest with you I do not like any part of this scheme starting with Esurance. I am sure that ...
|
| damage to my car from tree limbs | 3/21/2008 |
Q: I was parked on the street under a tree, (only spot on the street). When I left for work the car was ...
A: before you do anything you must take pictures of that limb, the part of the tree it came off, and ...
|
| Employer wants me to park his vehicle at my house. | 3/21/2008 |
Q: My employer wants me to park HIS company delivery van at MY house to protect it from vandalism/theft ...
A: I strongly suggest that you have your employer write out a "hold harmless" letter for both of you to ...
|
| Homeowner/builder liability claim | 3/21/2008 |
Q: I purchased a brand new home 3 years ago and it was my first so I know very little about homeowner's ...
A: I doubt that the original builder could be held accountable for this problem because it has occurred ...
|
| I was rearended while making a left turn, who is at fault? | 3/20/2008 |
Q: I was driving to my parents house when i stopped to yield the right of way to a vehicle traveling ...
A: you are going to have to contact the agency or department that issued the ticket in order to find ...
|
| Auto Insurance Claim No Fault State MA | 3/18/2008 |
Q: I drive on left lane, 2 cars front of me yielding left, I changed lane to right, there is no car. I ...
A: once again I am telling you what you must do in order to obtain justice here and also to force that ...
|
| Fighting Arbitration | 3/15/2008 |
Q: My daughter was in an accident in July, the arbitration took place in Jan. I got a ruling in Feb and ...
A: you would have to read the rules and regulations of that particular arbitration forum which should ...
|
| driveway collision | 3/14/2008 |
Q: My roommate who owns our house had his friend come over. Our driveway is on approximately a 25% ...
A: I agree with you wholeheartedly! I think that the collection agency should accept around 50% or ...
|
| past questions and follow ups | 3/13/2008 |
Q: in your response.Hi Paul, before I type in my calculations I want to give you a little background ...
A: it appears to me that Allstate is entitled to take a SSD set off of $1610 from the checks that they ...
|
| car accident on private property | 3/13/2008 |
Q: I was traveling to work yesterday morning and a fedex driver backed into my car and did extensive ...
A: I would try to get in touch with Fedex first. There must be some way. Hopefully you got the ...
|
| subrogation | 3/12/2008 |
Q: i was hurt in a car accident on june 28th 2006. i was awarded ssi disabilty in april of last year. ...
A: they are forthcoming as a response to your latest E-mail. After I give them to you I am going to ...
|
| subrogation | 3/12/2008 |
Q: i was hurt in a car accident on june 28th 2006. i was awarded ssi disabilty in april of last year. ...
A: before I type in my calculations I want to give you a little background info. The N.Y.S. insurance ...
|
| driveway collision | 3/12/2008 |
Q: My roommate who owns our house had his friend come over. Our driveway is on approximately a 25% ...
A: this scenario is unfortunately going to get one of my stock answers regarding backing out. It is ...
|
| I hit a parked car | 3/12/2008 |
Q: I am fully insured in MI. While in Ohio, I hit a legally parked car. The car was registered and ...
A: the rules of the State that the accident occured in apply but I do not see how this should make a ...
|
| subrogation | 3/11/2008 |
Q: i was hurt in a car accident on june 28th 2006. i was awarded ssi disabilty in april of last year. ...
A: I received all of the follow up questions and printed out all of the figures you sent me. ...
|
| Parking lot accident | 3/11/2008 |
Q: I pulled one parking space forward, then turned right. Three cars down, another car backed up into ...
A: under normal circumstances the fault in an accident lies with the person backing out of a parking ...
|
| Ownership/Uninsured | 3/11/2008 |
Q: Hey Richard, my family seems to have run into a problem. Although I am third person on the problem I ...
A: since your brother is a minor there is nothing to do here legally. She is liable and cannot even ...
|
| My brother got into an accident in his car, but insurance was under my name. | 3/10/2008 |
Q: my brother just got into an accident in his car, he was not at fault. I had just put his car under ...
A: the other driver's insurance should cover the property damage to your vehicle. If the other driver ...
|
| subrogation | 3/9/2008 |
Q: i was hurt in a car accident on june 28th 2006. i was awarded ssi disabilty in april of last year. ...
A: I asked for further information from you on the other part of this follow-up. I will also need to ...
|
| subrogation | 3/9/2008 |
Q: i was hurt in a car accident on june 28th 2006. i was awarded ssi disabilty in april of last year. ...
A: I want and would love to help you but I need to know a few things that you are not telling me. ...
|
| subrogation | 3/8/2008 |
Q: i was hurt in a car accident on june 28th 2006. i was awarded ssi disabilty in april of last year. ...
A: this sounds like it involves N.Y.S. or N.J no-fault insurance which I am extremely familiar with. I ...
|
| PA accident | 3/6/2008 |
Q: I have a question regarding PA insurance law. I was rear-ended January '07 while yielding. I was ...
A: this question is tough for me because Pennsylvania flipflops on whether it is no-fault medical state ...
|
| Have no insurance and hit someone | 3/6/2008 |
Q: I hit someone's car while backing up and there was a minor dent to her bumper. The rental car was ...
A: you have to look at this situation pragmatically. First of all you did cause an accident and ...
|
| collision, uninsured | 3/5/2008 |
Q: a driver changed lanes and collided with my truck. they were in a hurry took my name and left the ...
A: unless Indiana has a "no-fault only" law in effect the other driver is at fault and therefore liable ...
|
| disabilty | 3/4/2008 |
Q: can i lose my disabilty insurance payments if they find out i smoke weed
A: I was going to blow off{pardon the use of words} this question with one of the stock answers we use ...
|
| Hit car while working in Parking Lot | 3/4/2008 |
Q: My dad works as a parking attendant in a lot in NY. About 9 months ago, he had an accident in the ...
A: Lara, this is going to be a toughie. That Attorney may just be fishing to see if he gets a nibble ...
|
| car | 3/4/2008 |
Q: On an ice rain day i was pulling into the parking lot of a local store, i was breaking into my ...
A: due to the fact that there was still icy precipitation coming down you do not have anyone else to ...
|
| Drunk driving accident | 3/4/2008 |
Q: Last Friday, 3/1/08, my roommate was involved in an automobile accident with a drunk driver. He had ...
A: first thing is your roommate should follow his Dr.s directions and get himself better health wise. ...
|
| Car Accident-Over Limit of Coverage | 3/3/2008 |
Q: My wife involved to an accident that was happened about 1 year ago. It was a small accident because ...
A: there is nothing for you to do at this point. Your insurance has to be exhausted before you ...
|
| taxi accident | 3/3/2008 |
Q: My two children and our nanny were involved in a taxi accident. The taxi was stopped in front of ...
A: if there are no apparent injuries such as fractures, back aches, scars etc. then they were merely ...
|
| taxi accident | 3/3/2008 |
Q: My two children and our nanny were involved in a taxi accident. The taxi was stopped in front of ...
A: PERFECT! All of the accident related medical bills your children and the nanny should be paid by ...
|
| Accident | 3/1/2008 |
Q: I had an accident when a driver made a left turn in front of me at an intersection, the other driver ...
A: I have never heard of a "restitution hearing" but it seems to me that the insurance company lost its ...
|
| Accident | 2/29/2008 |
Q: My car was parked outside my house And Was hit and the person ran! I found my brand new car the ...
A: uninsured/underinsured motorist coverage generally only pays for personal injuries caused by another ...
|
| my brothers car accident | 2/28/2008 |
Q: my brother was recently in a car accident that happened while he was driving to work. it was a ...
A: this sounds like a lot of hooey to me but I am never amazed at some of the insurance regulations and ...
|
| IN A WRECK NO INSURANCE | 2/27/2008 |
Q: I Was in a wreck, the car was in my name but my girlfriend was driving. Our insurance just got shut ...
A: your girlfriend should obtain a copy of the police report and file a claim for personal injury with ...
|
| Insurance check way too low | 2/27/2008 |
Q: I was rear ended while merging and Insurance and police report all claim that it is not my fault. ...
A: in this case I suggest that you take the vehicle to another shop or two and get written estimates or ...
|
| Insurance check way too low | 2/27/2008 |
Q: I was rear ended while merging and Insurance and police report all claim that it is not my fault. ...
A: I understand what you want to do but need more information on your relation to Mercedes in this ...
|
| lien on virginis driver license | 2/27/2008 |
Q: the virginia dmv has 2 civil liens against my license for 2 different accidents i had in my ...
A: I do not see how these debts will ever die unless you make some type of payment arrangement. This ...
|
| driving into an opened door | 2/22/2008 |
Q: I was driving down a street with cars parked on both sides of the road. A car was driving down the ...
A: in my opinion you and the other driver are needlessly pointing fingers at one another. The real ...
|
| liable? | 2/22/2008 |
Q: my car was rear ended, i had no insurance at the time. Am I liable or at fault? ANSWER: Hi Oscar, ...
A: so the mechanic idea is out of the picture. There are no laws regarding this type of liability. ...
|
| liable? | 2/21/2008 |
Q: my car was rear ended, i had no insurance at the time. Am I liable or at fault? ANSWER: Hi Oscar, ...
A: if your mechanic is from a licensed repair shop and was merely road testing your vehicle after ...
|
| insurance liability | 2/19/2008 |
Q: This is in N.Y I was involved in a car accident several years ago. I finally got the insurance ...
A: it sounds like a weird policy to me. Usually the liability limits are for 100/300 for liability. ...
|
| Car Accident | 2/18/2008 |
Q: I WAS RECENTLY INVOLVED IN AN ACCIDENT 1/18/08 THAT WAS NOT MY VEHICLE. A DRIVER MADE A LEFT TURN ...
A: the way I see this is that the owner of the vehicle that you were driving at the time of this ...
|
| Homeowner Liability to Damaged Vehicle | 2/17/2008 |
Q: In NJ, is a homeowner liable for damage to a vehicle, parked on the property, by a tree falling on ...
A: if the tree was in some way partially dead and a limb fell onto your vehicle then I believe it ...
|
| My car was totaled while parked | 2/15/2008 |
Q: My neighbors woke me up in the middle of the night to let me know my car had been involved in an ...
A: the question of which court to sue in depends upon the prevailing state laws regarding the monetary ...
|
| 3 car crash | 2/13/2008 |
Q: I got in a car accident a couple weeks ago on a small rode near my school there were three cars and ...
A: this doesn't seem to me to be anything more than an error on the part of some overworked clerk at ...
|
| personal belongings | 2/12/2008 |
Q: I don't know if you can help me but my brother had his Truck impounded. He is a brick layer and all ...
A: I do not know if he has any rights in a case such as this. I think that you should call your State ...
|
| Backing out of driveway | 2/9/2008 |
Q: backing out of my driveway, my car hit a move vehicle on passenger side. Our respective views were ...
A: unfortunately the liability for this event is all yours. It was your duty to make sure that you had ...
|
| Insured driver | 2/8/2008 |
Q: My nephew would like to borrow my car to drive to and from work. Does my insurance fully cover him ...
A: if you lend your vehicle to anyone on a one time basis then the vehicle will still be covered but if ...
|
| Insurance denied responsiblity even though police report shows that other driver is at fault | 2/8/2008 |
Q: I really could use some help. I was in a car accident on 12/17/07 and was going through an ...
A: obtain two estimates of the damages and send copies to the other driver with a demand for payment ...
|
| no insurance | 2/7/2008 |
Q: I was recently in a accident...they state was my fault on the police report. I was in a arbys drive ...
A: I hate to say this but your only option here is to attempt to gather evidence that the truck was ...
|
| Increase of Insurance Premium? | 2/7/2008 |
Q: I was driving my girlfriend's car and I got pulled over for running a light (even thought it was ...
A: although your friend's insurance company is not going to be too thrilled by this I do not see how ...
|
| car insurance dispute | 2/4/2008 |
Q: can tesco insurance change my excess on my car insurance policy while iam making a claim for a car ...
A: the only reason that any insurance carrier should be able to make any changes is if it is somehow ...
|
| Daughter in car accident | 2/4/2008 |
Q: My daughter was in a car accident the other night. She is 18 and only has her nys permit. The ...
A: your daughter should be covered for her medical bills through the no-fault endorsements on the ...
|
| Vehicle damaged while in repair person's possession | 2/3/2008 |
Q: My husband's car was at an acquaintance's house to have the motor replaced. The acquaintance is not ...
A: let me get this straight in my mind. You had $3000 worth of repairs in a shop. Then you brought ...
|
| parked car and pedestrian hit | 1/31/2008 |
Q: A couple of weeks ago my fiance was parked legally on the street outside of our house around 6pm. ...
A: unfortunately on this one I have to agree with that insurance company. The NYS vehicle and traffic ...
|
| body shop estimate vs. insurance estimate | 1/31/2008 |
Q: d.Our 6 weeks old car was damaged on a parking lot. I got an estimate in the amount of $2100 from ...
A: I have several suggestions for you which might help to keep this matter from turning from cordial ...
|
| icy parking lot | 1/30/2008 |
Q: I was recently in a car accident where I pulled into my employers,ice covered parking lot,@ about ...
A: it is strange that I just finished answering an almost similar question from another person. I ...
|
| icy parking lot | 1/29/2008 |
Q: I live in a 60 unit apt complex in NYS. This morning we had freezing rain which made the parking ...
A: I do not think that it would hurt to file a claim on the theory of "nothing ventured, nothing ...
|
| At fault insurance does not want to pay for damages. | 1/29/2008 |
Q: I was involved in an accident where the Insured driver was cited for failure to yield the right of ...
A: this is a typical insurance company tactic. First they look at the liability and attempt to dicker ...
|
| laps in insurance | 1/28/2008 |
Q: recently my boyfriend and I we getting off the interstate and at the end of the ramp the driver in ...
A: in my opinion the fellow you rear-ended is not out for blood, but he is out for money. He sounds ...
|
| Left turn at driveway enterance | 1/26/2008 |
Q: I live in California and was driving North West and needed a left turn and it didn't have light or ...
A: I thought that there must have been some reason for the vehicles that were oncoming to be stopped at ...
|
| Left turn at driveway enterance | 1/26/2008 |
Q: I live in California and was driving North West and needed a left turn and it didn't have light or ...
A: forget about the vehicles stopped behing you and concentrate on the vehicles facing you at the time ...
|
| 3 car accident | 1/25/2008 |
Q: I live in NC. My name is Chad Gray and I was in a multi car accident October 10, 2002. Traveling ...
A: it appears that some sort of legal proceeding went on to which you were not notified of and the ...
|
| Accident on private property - company veh. | 1/24/2008 |
Q: Long story short - I was moving my bosses vehile on private property - behind a fenced in area when ...
A: this sounds ridiculous to me! How in the world were you to know that the vehicle was not insured? ...
|
| Auto theft | 1/23/2008 |
Q: My car was stolen at the mall on DEC 16, 07, it was recovered and the adjuster told me it was ...
A: before you sue I would recommend that you call the insurance adjustor and give him an ultimatum. ...
|
| car hit in parking lot | 1/22/2008 |
Q: our car was hit by a lady at the mall. The police came out and did not issue her a citation but she ...
A: first call the police precinct and find out if you can obtain a copy of that police report. Also ...
|
| Cash value life insurance | 1/22/2008 |
Q: I recently surrendered a cash value life Insurance Policy. The policy stated I could "surrender the ...
A: as long as the local agent has an address in your own county or municipality or even state your ...
|
| totaled car accident | 1/5/2008 |
Q: My parents were in a car accident in nj last night. their car is totaled and they are trying to find ...
A: it would be the private sale figures which unfortunately are always somewhat lower. They should ...
|
| car accident | 1/5/2008 |
Q: i accidentally backed into someone, my fault, but they did not have insurance, what should i do? im ...
A: I suggest that you wait until the other party contacts you with a claim or an estimate of the ...
|
| Left hand turn on a yellow light | 1/3/2008 |
Q: I was going northbound on a two lane road with a center turning lane preparing to make a Left hand ...
A: it won't matter. If there was no left turn signal but merely red and green lights then both ...
|
| stacking? | 1/3/2008 |
Q: I'll follow the kiss principle here Keep It Short Simple. I'm a Ma. Insured, listed on 2 policy(s) ...
A: I can see that you are indeed lining all of your ducks in a row. Pain and suffering get measured by ...
|
| stacking? | 1/3/2008 |
Q: I'll follow the kiss principle here Keep It Short Simple. I'm a Ma. Insured, listed on 2 policy(s) ...
A: stacking usually occurs if one policy is for more than the other one as you already know. If your ...
|
| Left hand turn on a yellow light | 1/3/2008 |
Q: I was going northbound on a two lane road with a center turning lane preparing to make a Left hand ...
A: you are at fault here. No matter how you argue about it you made a left turn against traffic that ...
|
| Car Accident - At fault | 1/3/2008 |
Q: If you were at fault in a car accident and have full coverage and the other party/parties sue you ...
A: the insurance company takes care of the claim in its entirety. I think that you are a little ...
|
| Personal Auto Liability | 1/2/2008 |
Q: If an insured driver was driving a non-owned uninsured vehicle and was in an at fault accident, ...
A: the insured person driving someone else's uninsured vehicle would have to very closely read their ...
|
| claim settlement question | 12/31/2007 |
Q: We leased 2 semi trailers to arrowhead motorsports in Minnesota. They defaulted and we got our ...
A: I have been puzzling over this question over the New Year's holiday due to its inherent nature. ...
|
| Accident after plates transferred, possible lapse? | 12/31/2007 |
Q: My parents bought a new car which the dealer registered for them in CT. They contacted Travelers' ...
A: your parents are going to have to obtain a signed and notarized letter from the person at the car ...
|
| Is an insurance claim a legal document | 12/31/2007 |
Q: My husband has an insurance claim from the death of his aunt, however, he has to present an original ...
A: generally your husband would have to be appointed as administrator of the estate of the deceased ...
|
| Car Impounded | 12/28/2007 |
Q: I was driving last night with out insurance and was pulled over. I explained that I could not ...
A: this is more of a criminal law matter than one of insurance law. If the laws of your State provide ...
|
| Shopping Cart Incident | 12/27/2007 |
Q: After shopping at a local retailer I put my purchases in the trunk of my car and got into the ...
A: why not get an estimate of the damage and if it is too severe to be repaired with a mere application ...
|
| Fender-Bender with cancelled insurance | 12/27/2007 |
Q: I recently rear-ended a gentleman (on Christmas Eve, great) and as I have been searching through my ...
A: the other vehicle must be fixed and paid for by the other person's insurance company before you owe ...
|
| Auto theft claim | 12/26/2007 |
Q: I would like to start by thanking you for reading this. Any assistance you can offer will be ...
A: in your certified letter to the insurance company you should also mention their failure to obtain a ...
|
| Fender-Bender with cancelled insurance | 12/26/2007 |
Q: I recently rear-ended a gentleman (on Christmas Eve, great) and as I have been searching through my ...
A: at this time I think that it is best for you to just wait the matter out. The only thing you should ...
|
| Left Turn Accident | 12/26/2007 |
Q: I really need your help. I read your answers and decided to ask question from you. I was going ...
A: I am having a tough time picturing this event in my mind. Was the vehicle that you hit coming from ...
|
| no insurance | 12/26/2007 |
Q: What can I expect to happen since I was in an accident that totaled my car and i did not have ...
A: you must continue to pay the note on the loan. It will not matter to the lienholder whether or not ...
|
| I am underinsured motorist.I hit a car more than my coverage | 12/25/2007 |
Q: I am an underinsured motorist.I hit a pickuptruck.Fault is mine.I saw the damage was not that much ...
A: once the other person's insurance has paid out on the other person's vehicle they will send you a ...
|
| Auto theft claim | 12/25/2007 |
Q: I would like to start by thanking you for reading this. Any assistance you can offer will be ...
A: you must have the patience of a saint to have waited so long for your insurance company in this ...
|
| no insurance | 12/24/2007 |
Q: What can I expect to happen since I was in an accident that totaled my car and i did not have ...
A: the lienholder will expect to get their money back one way or the other. If the other driver was ...
|
| I am underinsured motorist.I hit a car more than my coverage | 12/23/2007 |
Q: I am an underinsured motorist.I hit a pickuptruck.Fault is mine.I saw the damage was not that much ...
A: I am assuming that the other driver is claiming personal injury from this accident for the amount to ...
|
| insured goods damaged in transit | 12/21/2007 |
Q: I just took delivery from UPS couriers of a commercial oven, and it has been damaged in transit with ...
A: what you are going to have to do is to file a claim with both UPS and the company that you bought ...
|
| Accident with no auto insurance. | 12/20/2007 |
Q: I was in a accident last week and I was at fault. I have no auto insurance, not smart I know. ...
A: there may very well be a time limit for filing suit in your state but it certainly isn't a couple of ...
|
| An engine that I bought that was found to be stolen | 12/20/2007 |
Q: 2 years ago I purchased a Mustang engine for a car I'm building for $6500. The person that I bought ...
A: looks like you are facing the old "no god deed goes unpunished" dilemna. You are going to have to ...
|
| Impounded vehicle sold illegally | 12/18/2007 |
Q: My friend's son had an accident in which his car was impounded because of unpaid parking tickets. ...
A: an important facet of this problem is whether or not your friend's son ever told the towing company ...
|
| State Farm is screwing me over | 12/18/2007 |
Q: I have state farm insurance, i have been dealing with this agent for over a year and told him when i ...
A: I was going to suggest the usual 30 days which is the legal norm. The thing is that your summons ...
|
| State Farm is screwing me over | 12/18/2007 |
Q: I have state farm insurance, i have been dealing with this agent for over a year and told him when i ...
A: after sending the certified letter and giving the agent around 20 days to squirm this matter through ...
|
| State Farm is screwing me over | 12/18/2007 |
Q: I have state farm insurance, i have been dealing with this agent for over a year and told him when i ...
A: your best bet in a case such as this is to present the entire claim to your agent via certified mail ...
|
| no fault | 12/17/2007 |
Q: If you are in an accident in the state of Califonia and do not get a police report is it true that ...
A: I am assuming that you are asking about an accident that didn't involve any injuries so there was no ...
|
| insurance question | 12/17/2007 |
Q: regards jayne
A: this is not a good situation! There is no reason why you should be on your boyfriend's policy ...
|
| car damaged while parked on city street in chicago, IL | 12/17/2007 |
Q: my car was parked outside my apartment on a city street in chicago. someone hit the car and did not ...
A: this type of claim is generally made under the collision provisions of the insurance policy. ...
|
| What am I liable for? | 12/17/2007 |
Q: I borrowed a friends truck and nicked my fence pulling out of my back yard there's a scratch along ...
A: your friend can probably do the repair himself for less but it was you after all that caused the ...
|
| home owners policy- theft | 12/15/2007 |
Q: I was repairing someones car and it was stolen and wrecked (totaled). Who is responsible and for ...
A: this is an interesting question. If there was any form of a contract whether written or oral and a ...
|
| Insurance Claim | 12/14/2007 |
Q: My car was totaled no fault of my own, then I receive a rental car from the person who hit my car ...
A: yes you can change insurance companys and it will not affect their duty to represent you for any and ...
|
| Car theft query | 12/14/2007 |
Q: I have recently been the victim of car theft. I own 2 cars and have one parked on the street. The ...
A: I see no reason why you should continue to make insurance payments on the stolen vehicle. Make sure ...
|
| my apple tree was damaged by car in CT | 12/12/2007 |
Q: I got a call from travelers, their insured ended up in my lawn. I wasn't home. I looked at the ...
A: why not run this scenario past your homeowners insurance just to see what they say about that "law" ...
|
| Insurance Claim | 12/12/2007 |
Q: My car was totaled no fault of my own, then I receive a rental car from the person who hit my car ...
A: I think that you are worrying yourself unnecessarily at this point. The claims are being ...
|
| Got into an accident, my insurance lapsed! | 12/12/2007 |
Q: I got into an accident this morning and later in the afternoon, I realized my insurance had lapsed. ...
A: If your insurance coverage had just recently elapsed you might still fall under the "grace period" ...
|
| Precedence in claiming insurance money | 12/10/2007 |
Q: I was injured in a crash, which was the fault of the other driver. I believe that the hospital ...
A: given the fact that you are asking me this question in the first place I am assuming that Arizona ...
|
| Can Passenger be responsible? | 12/10/2007 |
Q: I was the passenger in a parked car and opened my door to exit when another car drove by and ...
A: if the driver/owner was in the vehicle at the time of the event then his or her insurance is going ...
|
| Friend damaging car | 12/9/2007 |
Q: (North Carolina) I recently allowed a "friend" of mine to borrow my car for an evening. About an ...
A: you can sue your "friend" in Small Claims Court because once he borrowed and drove your vehicle away ...
|
| Body Shop repairs | 12/9/2007 |
Q: I have a car that suffered some bumper damages recently at my own fault. I then proceeded to take ...
A: obtain estimates of only the damages you allege were caused by the body shop and make copies of any ...
|
| pole | 12/9/2007 |
Q: I gave my 17 year old son permission to drive my car. The weather was cold and icy. He hit a pole ...
A: this will depend on the language of your policy under the "exclusions" endorsements. If the ...
|
| no insurance mom | 12/8/2007 |
Q: My girl friend moved from St. Paul MN to up to school in Fargo, ND. When she moved up here in August ...
A: yes, Kacie is responsible for any and all damages. The vehicle is registered to her and since she ...
|
| Left hand turn on two lane highway | 12/8/2007 |
Q: My wife was in an accident last night trying to make a left hand turn into our subdivision. She came ...
A: the way I am visualizing this scenario is that the other driver tried to loop around the three ...
|
| MEDICAL INSURANCE LAW | 12/7/2007 |
Q: 1. I have full medical coverage for my family, my employer is telling me that now instead of paying ...
A: is the insurance that you already have being paid for by your employer or is the insurance paid for ...
|
| Car Damage | 12/6/2007 |
Q: I pulled into a parking spot that had a concrete barrier. Protruding from the barrier on the left ...
A: now I see what the defect was. In my opinion you have a valid claim against the holding company or ...
|
| Stolen Item at Car Wash | 12/6/2007 |
Q: My husband had his $300 IPOD (that is only used for the car) in the middle console of his company ...
A: if the sign regarding personal belongings was plainly visible then the car wash business is out of ...
|
| Car Damage | 12/5/2007 |
Q: I pulled into a parking spot that had a concrete barrier. Protruding from the barrier on the left ...
A: I am having trouble visualizing this scenario. what do you mean by "cleared the barrier"? Were ...
|
| questions about failure to yield and lawsuit impact to a recently married... | 12/5/2007 |
Q: This is a multi-part question. My wife was in an accident about 14 months ago and we recently ...
A: first the "failure to yield" situation. A stop sign is a controlling device and the driver who is ...
|
| Turning into the right of way | 12/5/2007 |
Q: my daughter, was driving with my younger daughter about 8am an she started the car, looked in her ...
A: I am afraid I have to agree with your insurance adjustor on this one. Your daughter has the vehicle ...
|
| motorcycle backed into | 12/4/2007 |
Q: Here is my situtation. I was at work and my boss came to get me. I had parked behind a lady outside ...
A: from the way I am reading this it seems that you never actually directed your insurance company to ...
|
| Car insurance | 12/2/2007 |
Q: Me and my Ex were in a car accident two yrs ago, i wit to therapy and was recieving housr hold ...
A: I still do not know who was insured by Allstate. Was Allstate your mother's car insurance company? ...
|
| motorcycle backed into | 12/2/2007 |
Q: Here is my situtation. I was at work and my boss came to get me. I had parked behind a lady outside ...
A: this is an interesting one but I have to agree that it is going to be a 50/50 deal on liability. ...
|
| Car insurance | 12/1/2007 |
Q: Me and my Ex were in a car accident two yrs ago, i wit to therapy and was recieving housr hold ...
A: now I am really lost! Who does Allstate insure? If they paid and your mother also paid then the ...
|
| Car insurance | 12/1/2007 |
Q: Me and my Ex were in a car accident two yrs ago, i wit to therapy and was recieving housr hold ...
A: I cannot fully understand your question so I need for you to calmly and slowly redo it. From what I ...
|
| car accident | 11/29/2007 |
Q: I was in a car accident in a parking lot, considered private property. There is a three way stop ...
A: if you do not have collision insurance on your vehicle then obtain two estimates of the damages to ...
|
| Driving with a Permit | 11/28/2007 |
Q: My car is currently under my friend's name, and the insurance on her is under her name as well ...
A: the claim should go through and be paid by the insurance on the car which is registered and insured ...
|
| Point of impact: rear of vehicle | 11/22/2007 |
Q: Riding my bicycle East on a divided highway, I collided with the passenger side of a car which had ...
A: , if the point of impact was more to the rear of the car then it would seem that the vehicle was ...
|
| rear ended | 11/22/2007 |
Q: I was rear ended almost a week ago. I am trying to deal with the insurance co. myself. I did go to ...
A: of course the adjustor is "low-balling" you. If you are not seriously injured and feel that you ...
|
| Hit and run claim | 11/21/2007 |
Q: I have my full coverage insurance with Travelers for more than 3 months now. The deductible cost is ...
A: If your vehicle was parked and you weren't driving then your insurance company should not raise your ...
|
| Passenger in a cab | 11/20/2007 |
Q: My husband was in St. Louis on a business trip. He works and lives in NY. When he was in St. ...
A: I think that at this time it is best to merely follow your husband's employer's advice and have the ...
|
| Subrogation Notice | 11/19/2007 |
Q: On 7/8/07, I witnessed an accident occur in which a sportscar drove into the back of a Jeep who was ...
A: I am afraid that the old adage "no good deed goes unpunished" comes into play here. It seems ...
|
| title lost | 11/18/2007 |
Q: i was in accident were my car was a total loss. the other person insurance assumed liability. I ...
A: I see both your point and the insurance company's point in this matter. The one thing I do not ...
|
| Dead Tree Damaged My Car | 11/15/2007 |
Q: I am in the somewhat confusing situation of having my car damaged while on the business property (a ...
A: the easiest way out of this dilemna would of course be to file a claim with your own insurance ...
|
| Insurance Adjuster/ Independent Agency | 11/15/2007 |
Q: After putting my aspirations to become a private investigator on hold for awhile, I am considering ...
A: Whatever happened to your legal aspirations? I had your answer all worked out and you never ...
|
| denial of third party homeowners insurance claim | 11/10/2007 |
Q: neighbors had a secondary water line break while on vacation. before it was shut of, it flooded ...
A: in my opinion you are barking up the worng tree when you attempt to have any govermental agency try ...
|
| Drunk Driver Accident | 11/9/2007 |
Q: I was hit by a drunk driver in the state of North Carolina with my two children in the car. The car ...
A: enterprise is responsible for everything and I am sure that your insurance company will file a ...
|
| Open Title on a Car | 11/6/2007 |
Q: The original owner of the car I just purchased sold the car to a woman who gave him a fake third ...
A: this question has a certain splendor to it. The way I see it the original owner got "stung" while ...
|
| hit and run at an intersetion | 11/4/2007 |
Q: My daughter was proceeding through an intersection after stopping at a stop sign,and proceeded to ...
A: The witnesses will be helpful here because they seem to indicate fault on the other driver but even ...
|
| hit and run at an intersetion | 11/3/2007 |
Q: My daughter was proceeding through an intersection after stopping at a stop sign,and proceeded to ...
A: I need a little more info before I can fully picture this event in my mind. Was the pick-up truck ...
|
| stolen car | 11/3/2007 |
Q: I have AAA insurance. My car was stolen from my driveway. they recovered it a day later but it was ...
A: unless the damages to the vehicle are more costly than the vehicle's book value it would not be ...
|
| stolen car | 10/31/2007 |
Q: my nephew takes my car to work sometimes and at work the car was stolen. the engine was on and my ...
A: I understand your situation. If this was a one shot event then it would not raise eyebrows but ...
|
| stolen car | 10/31/2007 |
Q: my nephew takes my car to work sometimes and at work the car was stolen. the engine was on and my ...
A: I can see a whole lot of trouble for you with this claim. First of all I am assuming that your ...
|
| taxi accident | 10/28/2007 |
Q: I was the passenger in a taxi in NYC. The taxi crashed against another car. I was injured and taken ...
A: by law they MUST send you a no-fault application for benefits within 10-15 days after receiving ...
|
| Intersection Accident | 10/27/2007 |
Q: While crossing an intersection my vehicle was hit in the right rear passenger side. The impact ...
A: I need to know if there was either a stop sign or yield sign against you before I can answer this ...
|
| Car Accident | 10/27/2007 |
Q: I was involved in a rear-end collision where I believe the person who hit me did it intentionally, ...
A: you can pretty much forget about having that police report changed whether you go to the station of ...
|
| taxi accident | 10/26/2007 |
Q: I was the passenger in a taxi in NYC. The taxi crashed against another car. I was injured and taken ...
A: N.Y. is a no-fault insurance state for medical expenses, lost wages, and "other rasonable and ...
|
| open door hit in parking lot | 10/25/2007 |
Q: I was just hit in a local business' parking lot. I was exiting my vehicle through the drivers side ...
A: you should expect an answer from the other driver's insurance company very shortly. They will ...
|
| Wreck without insurance | 10/25/2007 |
Q: A friend of mine had a few drinks and I decided to drive because I was sober. It was his car with ...
A: I am assuming that this was a one vehicle accident and that there was no damage to any other ...
|
| Uninsured Claim | 10/25/2007 |
Q: Richard, Thank you for your time in reading this question, any help or advice would be greatly ...
A: your bills should be paid and also some part of your wage loss claim. If your private health ...
|
| No insurance in an accident | 10/24/2007 |
Q: In Nov '96 I was involved in an accident that was my fault. My insurance had expired the night ...
A: the first thing you must do is to obtain copies of your checks for payment of this settlement as ...
|
| STOLEN VECH | 10/24/2007 |
Q: RICHARD, I LIVE IN LAS VEGAS, AND MY CAR WAS RECENTLY STOLEN. (TWICE IN ONE MONTH!!) THE FIRST TIME ...
A: the first thing to do is to file a claim with your roadside assistance company for the towing fee ...
|
| claim | 10/23/2007 |
Q: when my car is hit by another car and I file a claim against their insurance what are my rights as ...
A: obtain two estimates of the damages and also go to the Carfax, Edkins, and Kelly Blue Book websites ...
|
| Car Accident | 10/23/2007 |
Q: I was involved in a rear-end collision where I believe the person who hit me did it intentionally, ...
A: this is a hit in the re |
