| Subject | Date Asked |
|
| My dock damaged by my boat | 10/7/2008 |
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 ...
|
| Auto insurance company is threatening me with court | 10/6/2008 |
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 ...
|
| Accident with someone else's car | 10/6/2008 |
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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| coverage | 10/2/2008 |
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 ...
|
| Automobile accident and providing a rental car. | 10/1/2008 |
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 |
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 ...
|
| carpet issues and depreciation | 9/29/2008 |
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 ...
|
| Insurance Lapse | 9/29/2008 |
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 ...
|
| Getting a total loss | 9/27/2008 |
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 ...
|
| auto accident | 9/26/2008 |
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 ...
|
| carpet issues and depreciation | 9/26/2008 |
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 ...
|
| Brand New Car Accident | 9/26/2008 |
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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| financial responsibility | 9/25/2008 |
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 ...
|
| INSURANCE THEFT POLOCY | 9/25/2008 |
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 ...
|
| Broken arm | 9/24/2008 |
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 ...
|
| Horse Accident | 9/24/2008 |
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 ...
|
| water damage | 9/24/2008 |
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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| auto insurance for 18yr old in college | 9/24/2008 |
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 ...
|
| Ohio Storm Damage | 9/24/2008 |
Q: this past week a tree fell from a neighbor's property into my parent's causing some damage to two ...
A: Unless the tree was clearly dead, and a hazard that should have been removed, (and you can get that ...
|
| Deceased Mom Homeowner Policy | 9/23/2008 |
Q: My Mother died Sept. 3, 2008. I'm the administrator but the home has not yet begun probate (Sis and ...
A: So sorry about the loss of your mom. The coverage on the house & contents will not change unless ...
|
| car accident while backing out from a parking spot | 9/22/2008 |
Q: my friend and I got into a car accident today at a parking lot. After my friend looked at all ...
A: Usually, backing out accidents are considered to be the fault of the person backing up, however you ...
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| Parking lot fender bender | 9/21/2008 |
Q: My wife was traveling in the travel lane (no parking spaces or stop signs) in a shopping mall when ...
A: Usually the person backing up is considered to be negligent in the accident, so most likely her ...
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| parking lot accident | 9/20/2008 |
Q: my wife was involved in an accident where she was backing out of a spot, a women had pulled up ...
A: I'm not from Canada, so I can't say for certain how they allocate fault in parking lot accidents. ...
|
| Multi car accident | 9/19/2008 |
Q: .All of us were stopped when a speeding car crashed into the back of the first vehicle who hit me I ...
A: That is a good question. My suggestion would be to get on the phone with the other parties ...
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| A Car Wreck | 9/19/2008 |
Q: I was receantly involved in a car accident that was not my fault. I was hit from behind by a car ...
A: Since your mother is the owner, she will have to contact the insurance company of the other vehicle, ...
|
| California Law that chArges a fee to cancel your auto insurance | 9/19/2008 |
Q: I just cancelled my auto insurance policy that I have had for over a year. I was just billed ...
A: I'm not from California, but I can't say that I've heard of a fee required to cancel your insurance. ...
|
| Hit a parked truck | 9/18/2008 |
Q: At my job, we have 3 different business that share a parking lot out front. We are the middle ...
A: I'm not an attorney, so I can't state what laws could apply in the state that you live in regarding ...
|
| accident in parents car | 9/17/2008 |
Q: My friend got in an accident and hit someone and was driving with no license, but it was his parents ...
A: It sounds to me like there are two things going on here. If he got a citation for operating without ...
|
| car accident | 9/17/2008 |
Q: Hope you can help me by answering my question. I have been in accident( I can’t called it accident ...
A: Accidents that occur when backing up are generally considered to be the fault of the person backing ...
|
| Stolen Van | 9/16/2008 |
Q: My van was stolen 8 weeks ago. The insurance company have messed about delaying things. I was given ...
A: I can't say for certain how such things work in Britain, but in the US, if the claim hadn't been ...
|
| renting a car with no personal insurance | 9/14/2008 |
Q: I recently rented a car from a national car rental agency, and told them i needed basic liability ...
A: There are two types of coverages that you were offered. CDW/LDW pays for damages to the rental car. ...
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| home damaged by ike hurricane | 9/13/2008 |
Q: I live in Houston. I live in a condo on the 2nd floor of a 3-floor building. Last night, as you ...
A: I can't say for certain how they would handle it, but it would seem likely due to the catastrophic ...
|
| police | 9/13/2008 |
Q: are the police aloud by the law to hit and kick a 16 year old kid when he is not resisting arrest? ...
A: This really isn't an insurance question. This is something that you would want to take up with your ...
|
| Household drivers | 9/12/2008 |
Q: I guess I am illiterate when it comes to auto policies. My son, 20, lives in my home. He has his ...
A: You will need to get a copy of your son's auto insurance policy, showing that he has his own vehicle ...
|
| car insurance | 9/10/2008 |
Q: I recently got my car stolen and it was recovered,but with heavy damages and blood in the car.I ...
A: If the car isn't a total loss, I don't see any way that you can refuse to take the car back. ...
|
| left turn accident | 9/10/2008 |
Q: My name is Daniel I Live in Alabama. I was making a left turn a few days ago when i was hit in the ...
A: You're considered to be at fault in this accident, due to the failure to yield the right of way to ...
|
| Spin out, then hit from behind. At fault? | 9/10/2008 |
Q: I was driving in Lane 4 of a 4 lane section of I-80 in CA at approx 65-70 mph. A speeding vehicle ...
A: These types of claims can be very difficult to get the liability for it off of yourself. Since the ...
|
| leak in my garage roof from roof of 3 year old home | 9/10/2008 |
Q: the home manager of our cottages says there are no warranties after three years. They want to send ...
A: My suggestion would be to let them try to repair the leak first, before making a claim on your ...
|
| Roof wind damage claim | 9/9/2008 |
Q: My roof suffered wind damage in April. We filed a claim and were told to get some estimates for ...
A: They should not be able to depreciate the labor for the damage that was caused, but this isn't an ...
|
| hail claim | 9/9/2008 |
Q: I had a hail storm go through that broke my vinyl siding on two walls on north side and ...
A: The policy only requires that they pay for the actual damage caused by the hail. It won't pay for ...
|
| homeowner property insurance lapse | 9/8/2008 |
Q: Evidently my homeowner Insurance payment was received 2 days late and they cancelled my insurance as ...
A: You probably have a very good base for a complaint with your state's insurance department. Since ...
|
| My Car was stolen | 9/8/2008 |
Q: My car was stolen a few days ago at a mall in the parking garage. a day or 2 later the car was ...
A: You're stuck tryng to sue the thief, and his parents for your damages, and you can have the damages ...
|
| House sale and claim | 9/7/2008 |
Q: My house was under contract and during the home inspection it was discovered that the roof had hail ...
A: If you weren't the legal owner of the home at the time the repairs were done, then you haven't ...
|
| Uninsured | 9/5/2008 |
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 ...
|
| Comprehensive Coverage - Auto Theft | 9/5/2008 |
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 ...
|
| Do we have to do bank draft payment? | 9/4/2008 |
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 ...
|
| investigation on my insurance | 9/4/2008 |
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 ...
|
| Coverage for water in basement | 9/3/2008 |
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 ...
|
| Filing against neighbor's homeowners ins | 9/3/2008 |
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 ...
|
| property damage caused by neighbor"s tree | 9/2/2008 |
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 ...
|
| HIT BY UNINSURED MOTORIST | 9/2/2008 |
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 ...
|
| Tree Damage | 9/2/2008 |
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, ...
|
| General Liability Audit | 8/28/2008 |
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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| MEDICAL CLAIM MADE BY NON-OWNER | 8/27/2008 |
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. ...
|
| Rental car accident - who is responsible? | 8/27/2008 |
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 ...
|
| tree fell on my car | 8/26/2008 |
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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| Homeowners insurance/ liability | 8/26/2008 |
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 ...
|
| house fire | 8/25/2008 |
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 ...
|
| storm damage from a tree | 8/23/2008 |
Q: During a recent tropical storm in Florida a tree on my property blew over onto my neighbors house ...
A: Unless your neighbor can prove that the tree was dead, and that you were negligent in not having it ...
|
| claim payment | 8/22/2008 |
Q: I have recently filed a claim for some wheels and tires that were stolen from my work place. I had ...
A: Your insurance company has to investigate, and if they can prove that you had them stolen, they ...
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| Car insurance before marriage | 8/18/2008 |
Q: Can Geico Insurance issue me a new policy after I inform them that I'm divorcing my wife whom I ...
A: I think you should contact your State Insurance Department and make a written complaint. Since you ...
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| insurance claim on sold house | 8/16/2008 |
Q: I am the executor to an estate and the home had major hail damage, for which I submitted a claim to ...
A: What the bank needs to do is to issue a letter to the insurance company, referencing the claim ...
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| Car insurance before marriage | 8/15/2008 |
Q: Can Geico Insurance issue me a new policy after I inform them that I'm divorcing my wife whom I ...
A: The best thing to do would be to contact Geico, and ask them to explain the rating on the new ...
|
| House hit by demolition car & trailer | 8/15/2008 |
Q: I was wondering what, if anything, I can claim for a trailer coming off the back of a truck and ...
A: I take it that you didn't have rental insurance, or insurance coverage on the demolition car. You ...
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| Car insurance before marriage | 8/12/2008 |
Q: Can Geico Insurance issue me a new policy after I inform them that I'm divorcing my wife whom I ...
A: It's pretty standard to split up the auto insurance, but it is usually done after a divorce. The ...
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| Lapse of Coverage | 8/11/2008 |
Q: In May I switched insurance companies. Shortly after signing the documents and paying the ...
A: The first thing to determine is whether they issued you a writen notice of cancellation to you for ...
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| Is insurance required? | 8/9/2008 |
Q: Are gas stations required to have insurance for property damage or bodily injury in the state of ...
A: I'm not from Florida, so I really can't help you with this. You might try contacting myflorida.com. ...
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| Insurance claim question | 8/8/2008 |
Q: I was rear ended last week on my way to work. I was sitting at a red light. I heard brakes and ...
A: Since you are both insured with State Farm, you shouldn't have to pay a deductible, nor should this ...
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| Betterment on an engine | 8/7/2008 |
Q: Can an engine fall under betterment and not be paid by an insurance carrier? If, yes, how is it ...
A: Claims isn't my specialty, but I would say yes, that an engine could fall under betterment. For ...
|
| Property Damage from Car accident | 8/5/2008 |
Q: Who pays for property damage? At a rental property of mine a retaining wall was damaged after a car ...
A: Liability follows the ownership of the vehicle, not the driver. You will need to file against them ...
|
| G/L Audit | 8/4/2008 |
Q: We are owned by a company based in another country and often purchase goods from the parent company ...
A: This isn't an area of my expertise, but I'm not aware of any exclusion for goods sold between ...
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| Car accident | 8/3/2008 |
Q: Denise, my husband was driving my car, and was hit from behind at a stoplight. Both cars are ...
A: I would recommend filing with the other driver's insurance. Your insurance company may end up ...
|
| Prevailing State Laws for Auto Accident | 8/3/2008 |
Q: Had an auto accident in 2004 as a passenger - other driver at fault. Was living in Oregon but came ...
A: If I understand you correctly, your health insurance company in Oregon is trying to get back the ...
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| Exceeding a policy limit | 8/3/2008 |
Q: I am a fairly inexperienced driver and when I bought my first insurance policy 18 months ago I was ...
A: I would first get a copy of the police report. If it states the other driver admitted fault (which ...
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| Juvenile Auto Insurance Coverage | 8/2/2008 |
Q: My daughter is 19 1/2 and therefore is no longer considered a minor. She primarily drives a car ...
A: If she is driving your auto, it is your auto insurance that will pay for the loss. Do not take her ...
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| Auto Insurance | 8/2/2008 |
Q: I recently changed auto insurance companies on 7/1/08. I mistakenly thought my auto insurance ...
A: If you made your payment for the new insurance on 6/26/08, and you had proof of insurance from your ...
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| driveway accident | 8/2/2008 |
Q: If you are backing out of the driveway, and there were no oncoming traffic, and if the rear of the ...
A: In these types of accidents, it is generally the person backing up who is considered at fault, as ...
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| no insurance and got t boned | 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: You could consider contacting your State's Insurance Department, and ask them for assistance. Or ...
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| Liability for Personal Property Damage | 8/1/2008 |
Q: I live in Lorain Ohio and my truck recently received over $5,000 in damage from a fallen tree limb ...
A: The Landlord is not liable for this loss. You have chosen to self insure for the damage that could ...
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| help | 7/31/2008 |
Q: I have a two year old and I take care of young children, the dog has many times attempted to attack ...
A: You would be best to contact local law enforcement and complain about the damage to your property ...
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| Right to Reimbursement from Settlement | 7/30/2008 |
Q: I live in Georgia and was in a car accident 28 months ago caused by the driver of a commercial van. ...
A: I'm not an attorney, but it seems to me that if your health insurance has a Right to Reimbursement ...
|
| water in basement after repairs (hypothetical) | 7/30/2008 |
Q: I am currently in the process of solving recurrent water issues with my basement. I have determined ...
A: Real Estate Law isn't my specialty. As I understand it though, the main thing is to fully disclose ...
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| homeowners insurance | 7/30/2008 |
Q: Is it possible to have a homeowners policy that pays a limited maximum amount for loses/damages that ...
A: I wouldn't say that it's absolutely impossible, but you would need to work with them to get them to ...
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| my parked car was hit | 7/29/2008 |
Q: I was wondering, my parked car was hit by a gentleman and I have no Ins. What do I do and am I in ...
A: If you can't identify the driver who hit your car, then you will have to pay to have the vehicle ...
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| Auto Insurance Coverage | 7/29/2008 |
Q: My 21 year old daughter is moving back to Washington State after living in Mississippi attending ...
A: It would help her to be able to provide proof that she is a rated driver on an auto policy, once she ...
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| left turn on yellow light | 7/29/2008 |
Q: I entered intersection on green light and I was waiting to make left turn, light changed on yellow I ...
A: If he should have given her a ticket for expired insurance and didn't, yet took your drivers license ...
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| cutting trees for insurance requirement | 7/28/2008 |
Q: Our homeowners insurance is asking us to cut limbs that hang over the house. We have done this ...
A: Your best bet at this point is to advise them that the trees are not on your property, and that you ...
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| left turn on yellow light | 7/28/2008 |
Q: I entered intersection on green light and I was waiting to make left turn, light changed on yellow I ...
A: Sorry I misunderstood. In that case, you had the obligation to yield to oncoming traffic, and you ...
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| Homeowners or Medical Insurance? | 7/26/2008 |
Q: In WA State, a friend of mine was standing on a dock in the dark. Went to step back not realizing he ...
A: It is possible that they would want to subrogate against the homeowners policy. They would likely ...
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| homeowners insurance | 7/26/2008 |
Q: Is it possible to have a homeowners policy that pays a limited maximum amount for loses/damages that ...
A: There is a Modified Replacement Cost endorsement. This is used when replacement with the same type ...
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| left turn on yellow light | 7/25/2008 |
Q: I entered intersection on green light and I was waiting to make left turn, light changed on yellow I ...
A: If she entered the intersection before the light was green, she would be considered to be at fault. ...
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| Finally got in contact with hit and run driver | 7/23/2008 |
Q: Scenario: on a California highway (in June of '07), I was rear-ended by a hit and run driver. I ...
A: You will have to pay the repairs yourself, and get law enforcement to cite the driver, and sue the ...
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| Radial head fracture | 7/23/2008 |
Q: Feb i rented the apartment, i had mentioned and asked the landlord about the driveway being fixed ...
A: You could consult an attorney, and see what they say. Possibly, they will stay that since you were ...
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| damage from dead tree | 7/21/2008 |
Q: I live in Florida. Recently a dead pine tree from the adjacent property fell onto my property doing ...
A: If you can document and prove that you discussed this with the owners, you may be able to get their ...
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| credit disability insurance | 7/19/2008 |
Q: I don't know if this is your field but here goes. My bank informs me that they are dropping the ...
A: If they are taking this action on their entire book of auto loan business, with appropriate notice, ...
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| hire car insurance | 7/18/2008 |
Q: I am a UK citizen, went to Los Angeles, hired a car, they sold me RLP only,I didn't have to show ...
A: Rental car companies offer three types of coverage, and it is your option as the leasee to decide ...
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| cutting trees for insurance requirement | 7/16/2008 |
Q: Our homeowners insurance is asking us to cut limbs that hang over the house. We have done this ...
A: Your homeowners insurance does have the right to request you to do this, because if they feel they ...
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| coverage for a driver not on title | 7/16/2008 |
Q: we are leaving the country and have California Casaualty insurance, and have also checked w/AAA. We ...
A: She can be a permissive driver of the vehicle, just by you giving her permission. She will not be ...
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| Tree on Truck | 7/12/2008 |
Q: My son and I were on our way home tonite when a large portion of an old oak tree broke off and fell ...
A: You can ask, but I doubt that the county will respond. You would have to be able to prove that the ...
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| car wreck | 7/11/2008 |
Q: My daughter allowed a college friend to drive her car to the store. The girl admitted to speeding ...
A: I'm not clear, first of all, who the legal titled owner of the car is. If you are, then it could be ...
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| Gen. Liability | 7/11/2008 |
Q: Denise We are being audited now on our liability. I'm told I must include all subcontractors (who ...
A: The reason this is being required is because most of the agreements with entities involved in ...
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| no insurance accident | 7/10/2008 |
Q: My son was recently riding his motorcycle to work and was struck by a motorist. He didn't have ...
A: Some states are very strict and require all drivers to carry insurance. You may want to find your ...
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| Car insurance | 7/10/2008 |
Q: I am 17 and i was uninsured and in a car accident. I have no way to pay for the damages because of ...
A: If your father is the legal owner of the vehicle, he is responsible for the damages. They will put ...
|
| Boat sank at dock | 7/10/2008 |
Q: on 6/10/08 we received a call from NJ State Police, our boat was sinking.when we arrived the boat ...
A: I used to work for a company that did marine insurance. Marine surveyors are generally very good at ...
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| Lfe Insurance | 7/10/2008 |
Q: My Broher in law passed away 5 yrs. ago. He had an American Express credit card with a $10.000.00 ...
A: If you can find proof that your brother in law in fact had a life insurance policy, and in fact you ...
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| Broken windshield liability | 7/9/2008 |
Q: I had a sheriff come to my house this morning saying a woman called in to report that my truck threw ...
A: Most states have case law now that state these types of things are considered to be road hazards, ...
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| leaving the scene | 7/9/2008 |
Q: I recently was in a leaving the scene accident. I had liability insurance and was issued a ticket.I ...
A: If I understand this correctly, you were in an accident with a telephone pole, and the vehicle you ...
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| auto accident | 7/8/2008 |
Q: I was involved in accident April 2007.Four way intersection,stop sign other driver,as I had right of ...
A: I'm not clear on your description of the accident. Your best hope would be to find a witness who ...
|
| I was reversing but was never in park | 7/8/2008 |
Q: I pulled partially into a parking spot to reverse into another directly back. I checked all mirrors ...
A: Parking lot accidents are difficult to assess negligence to. Common sense states you yield the ...
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| Stolen vehicle recovered | 7/8/2008 |
Q: My vehicle was stolen on June 3,2008 and I reported it. It was recovered in Mexico on June 25,2008. ...
A: What you may have to do is contact the California Department of Insurance, and make a complaint, ...
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| Failure to yeild? | 7/8/2008 |
Q: I pulled out of a driveway on wet roads.A snow bank obstructed my view to 3-4hundred feet.165 feet ...
A: You should certainly question your insurance company why they paid damages for the other party's ...
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| Earthquake Insurance Coverage - Special Assessment | 7/7/2008 |
Q: I purchased my condo in California. At the time I was disclosed an HOA fee which included ...
A: This sounds like something that is covered in the very fine print of your original HOA agreement. ...
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| life insurance | 7/7/2008 |
Q: My husband died April 17,2008 of acute cardiac arrest the insurance company has yet to pay out. ...
A: If you feel the insurance company isn't cooperating in proving you the right forms to make the ...
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| Who's responsible | 7/7/2008 |
Q: My daughters boyfriend was living at home with his parents in Washington State when he got in an ...
A: I'm not from Washington state, nor an attorney, but generally, you are correct. It is the owner of ...
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| uninsured motorists | 7/6/2008 |
Q: my wife was hit by a uninsured motorists, all his fault, and our wisconsin insurance comp. says that ...
A: The Uninsured Motorist coverage on your policy is Uninsured Bodily Injury, which has to do with the ...
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| motorcycle accident | 7/6/2008 |
Q: I was involved in a motorcycle accident one month after i registered the bike in my name and had no ...
A: You haven't stated it, but it appears that you are in California, which is a mandatory insurance ...
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| Parking Lot Right-Of-Way | 7/5/2008 |
Q: I was backing out to get comfortably in a parkng space. I made one more reverse, and a car suddenly ...
A: Parking lot accidents are challenging to explain fault, and some companies may consider fault 50/50. ...
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| My car was stolen | 7/4/2008 |
Q: My car was stolen off of a dealership lot while being fixed...two minors stole it...my car has been ...
A: The nature of insurance isn't to compensate you fully for every loss, but to provide you with some ...
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| Removals Company - Goods Damaged in trasit | 7/2/2008 |
Q: We recently moved house and the movers were ok, though a few things were broken (one of which a ...
A: It sounds like you are from the UK, so if their contract doesn't reference the excess amount, you ...
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| Parking Lot | 7/2/2008 |
Q: I was in a parking lot in Texas and come to an intersection and stopped. The other cars was parked ...
A: You might try seeing if there were witnesses who can attest that she was a passenger in the vehicle, ...
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| Rental Car Break-in | 7/2/2008 |
Q: I was recently rear-ended in my personal car. I had to take the car to get repairs and the insurance ...
A: I'm not from Texas, but what you were told doesn't make sense to me. Your personal auto policy's ...
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| Previous Owner Roof Damage | 7/1/2008 |
Q: After purchasing a Michigan home a year ago, we discovered roof leaks. A licensed roofer examined ...
A: I don't know how much help I can be in this situation, but there are issues to look at in regards to ...
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| Texas Private parking lot, Small accident | 7/1/2008 |
Q: My Girlfriend was backing up in a paring lot, when out of nowhere a guy in a Minivan tried to make ...
A: You will need to find witnesses who can confirm that it was the Minivan who was operating in an ...
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| Accident in boyfriend's car | 6/30/2008 |
Q: I was borrowing my boyfriend's car when I pulled out of a parking spot and hit another woman's car. ...
A: You can try contacting her insurance company directly, and offer to make the payment for the claim ...
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| claim question | 6/30/2008 |
Q: Greetings! I had an adjuster at my house recently to see if the damage to my roof was due to the ...
A: I'm not an attorney, but it appears that the payment for the claim was made in good faith, for the ...
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| Broken Windshield Claim | 6/30/2008 |
Q: Under Texas law who is liable for a broken windshield on a highway ? Does this fall under the road ...
A: No, as I understand it, these are considered to be falling objects/road hazards, which the driver of ...
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| tree damage from storm | 6/28/2008 |
Q: During a recent storm, a big branch from my neighbor's tree fell damaging my fence and grill. I do ...
A: Unless the tree itself was completely dead, it's very difficult to prove that the owner was ...
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| accident with a rental car | 6/27/2008 |
Q: how do i go about finding out who pays for repairs to my car when the rental car driver was ...
A: Your best bet would be to consult an attorney, as state laws vary on this. They can advise you ...
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| insurance replacing AC and carpeting | 6/27/2008 |
Q: Will my insurance replace my air conditioning if 12 years ago we found out that it was not installed ...
A: Your insurance may repair the damages, if they can verify that the cause of the loss was improper ...
|
| Fallen tree | 6/27/2008 |
Q: A tree has just fallen on my house. the tree was clearly hollow in the center and has been this was ...
A: These types of claims are very complicated, because you have to prove that the owner was negligent ...
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| Plumber caused leak which resulted in water damage | 6/27/2008 |
Q: I called a local licensed and bonded plumber (in Los Angeles) to install a kitchen sink faucet. In ...
A: You will want to contact your insurance company, and ask them how they will look at a claim of this ...
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| Broken Windshield Claim | 6/26/2008 |
Q: Under Texas law who is liable for a broken windshield on a highway ? Does this fall under the road ...
A: I'm not an attorney, nor from Texas, but it's been pretty much decided in the industry that broken ...
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| I crashed my friends motorcycle he has no collision coverage. | 6/26/2008 |
Q: I need to know what my obligations are. I was doing some work on his motorcycle which I needed to ...
A: You may have some additional responsibility to repair the vehicle in this case, since you were in ...
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| neighbor borrows a power saw... | 6/26/2008 |
Q: Although I live in Calif this question might be of interest to anyone anywhere who owns their own ...
A: I'm not an attorney, but generally speaking, unless you are lending the tool to a minor or someone ...
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| Can he claim? | 6/26/2008 |
Q: Yes, okay so im 16 and I've had my licenses for awhile and im driving home with a friend behind me ...
A: Technically, rear end collisions are considered to be the fault of the person doing the rearending. ...
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| Total loss and salvage | 6/26/2008 |
Q: An insurance company and I have arrived at an agreement, in writing, on a fair value for my total ...
A: I've never heard of this being required, that the insured has to keep the ownership of the totaled ...
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| No Contributing Factor/No Insurance Driver | 6/25/2008 |
Q: A few weeks ago a guy was in the left turn lane and I was in the right turn lane. I was turning ...
A: You should provide your insurance company with a copy of the police report, showing that you weren't ...
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| friend damaged my car, will insurance cover? | 6/25/2008 |
Q: My roommates and I have apron parking at our apartment, and just recently, one of my roommates ...
A: Insurance companies vary in how they handle accidents. They will look at your driving record, for ...
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| accident with a rental car | 6/25/2008 |
Q: how do i go about finding out who pays for repairs to my car when the rental car driver was ...
A: I'm not an attorney, and this could vary by state. Generally, it is not the rental car company that ...
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| can my license be suspended? | 6/24/2008 |
Q: I was involved in a car accident back in Feb. and had no insurance. I recently was contacted by a ...
A: I'm not an attorney, and state laws do differ regarding causing damages in accident, and not having ...
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| HOA refuses to pay | 6/24/2008 |
Q: I own a garden level condo that has been plagued with water and sewer backups. About 6 months ago, ...
A: I'm not an attorney, but HOA's can, but vote, change anything in the agreement between the HOA and ...
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| Soil erosion | 6/24/2008 |
Q: Neighbor (a Tenant renter)removed privacy fence on his side without first notifying us, reulting in ...
A: This involves fence ownership laws, which vary by state, and also the owner of the property. This ...
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| friend damaged my car, will insurance cover? | 6/23/2008 |
Q: My roommates and I have apron parking at our apartment, and just recently, one of my roommates ...
A: Your insurance should cover the loss, if you purchased collision coverage, as you gave them ...
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| stolen car | 6/22/2008 |
Q: Cars101 sold me a car with fraudulent docs...when I didn't pay all the car up front a month ...
A: This isn't my area of expertise, but there should be a State of California division that handles ...
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| when does motorcycle insurance go in affect | 6/21/2008 |
Q: my son call his insurance company to let them know he had just purchased a motorcycle they told him ...
A: It depends on the policy form that they are using. Get the policy provisions, and look under "Your ...
|
| Revoked Driver in a one car accident inNY | 6/16/2008 |
Q: I borrowed my uncle's car and was involved in a one car accident in which i hit a curb, a mailbox, ...
A: I'm not from NY, so I can only give you what I know about the auto policy in general. If your uncle ...
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| Recovery of lost income - auto accident | 6/13/2008 |
Q: I was involved in a auto accident in Nov. 2006 where the traffic on the freeway came to a stop. A ...
A: I'm not an attorney, but compensation for sales commissions is a very difficult thing to get ...
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| Home Owners Insurance with Cat | 6/13/2008 |
Q: My neighbor's cat came into our yard and fell into our oil bucket (My husband has not got around to ...
A: You aren't liable for the damage, because his animal was the cause of it. Had he had his cat ...
|
| Bad D.U.I. crash | 6/12/2008 |
Q: 2 years ago i was in a bad d.u.i. crash. My vehicle rolled twice, and the vehicle i struck slammed ...
A: I'm not an attorney, but generally, ownership of the vehicle is based on how the vehicle is titled. ...
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| Car accident/ insurace | 6/12/2008 |
Q: Ok well my hubby was involved in an auto accident. He didn't have insurance at the time of the ...
A: No, he will not be covered for the accident. The insurance company will note the time the accident ...
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| i wreaked my friends car | 6/12/2008 |
Q: i wreaked my friends car, irrelevant it may be but i have the same model and make car fully insured, ...
A: No, your car insurance isn't going to pay for the damage you did to your friends car. The owner of ...
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| lawnmower left in street | 6/11/2008 |
Q: Our lawn service left their walk behind mower in the street at the bottom of our driveway and I ...
A: I doubt that a judge would hold you liable in this, because they were negligent in where they left ...
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| Overpayment of Insurance Claim | 6/11/2008 |
Q: Our pop-up camper was damaged by weather. The claims adjuster came to look at it. He took photos, ...
A: It is possible that they could come back and request the money back. If it is much more than the ...
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| parking lot backing | 6/10/2008 |
Q: My daughter was backing out of a space at college(Springfield MO.). Her friend riding with her said ...
A: Parking lot accidents are very difficult to assess fault on. Some states include some negligence ...
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| Lapse in Life Insurance | 6/10/2008 |
Q: My boyfriend's grandfather has a life insurance policy for which he pays $13.69 per quarter. He ...
A: There is a 30 day grace period for this type of policy. If you are within that 30 days, then just ...
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| Address on insurance policy | 6/9/2008 |
Q: To keep this simple I basically have a perminent address that I live at on weekends and the odd week ...
A: That's a tough one, but I think you are ok if you don't actually live at your brothers full time or ...
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| Damage caused by neighbor's property | 6/9/2008 |
Q: Four days ago we had a storm with very high winds. One of my neighbor's trampoline was picked up by ...
A: My suggestion would be to get the make and model of the trampoline, and get the owners manual on the ...
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| Is this theft? | 6/9/2008 |
Q: I gave a friend permission to drive my car to pick up his children. He was arrested at another ...
A: If the car was stolen from someone you gave permission to drive it, then your policy should cover ...
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| neighbors roof took out our fencing | 6/9/2008 |
Q: We live on a farm and farm insurance in IA does not cover fencing in high winds or tornado's. Our ...
A: Yes, this is correct. If the damage was as a result of a storm, it's considered to be an Act of ...
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| parking lot | 6/7/2008 |
Q: I work on a Hotel in California, some of the guests sometimes ask to leave their cars on the parking ...
A: Most likely, since the parking is provided as a convenience to their customers, and it's not part of ...
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| Homeowners Liability w/Dogs | 6/7/2008 |
Q: My dog got into the street and was involved in an accident with a cyclist. The cyclist suffered ...
A: Your Homeowners insurance policy should respond. They do for dog bites, so they should in an ...
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| household stolen | 6/6/2008 |
Q: My son and daughter in law recently moved from Texas to California. They had rented a truck and had ...
A: I'm attending a continuing education update today, and was advised that you should be paid for this ...
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| *Can you help me...? | 6/6/2008 |
Q: *Hi, I was wondering if you could help me with a question. My husband and I came home a while ago ...
A: Such things are considered to be an Act of God, and are covered under your neighbor's Comprehensive ...
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| liability for damage caused by child | 6/5/2008 |
Q: My son and a friend who was visiting us, were playing in front of our house. A neighbor apparently ...
A: If your son didn't touch this neighbor's car, there is no liability that should come to you, only to ...
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| 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: The best that you can hope for here is that the person who was behind you would be a witness as to ...
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| Auto insurance for child of divorce | 6/4/2008 |
Q: My ex-wife and I have different insurance policies with different companies. Our son will be 16 in ...
A: It basically comes down to who owns the vehicle that the son will drive. If he will be primarily ...
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| Insurance | 6/4/2008 |
Q: I was takent to court thje other day. claimimng that my car was not insured to be on the road, even ...
A: If you are not able to provide the proof of insurance required by law, then you are at the mercy of ...
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| Stolen Vehicle Recovery | 6/2/2008 |
Q: Long story short, my vehicle was stolen (Texas) and recovered 6 hours away from where I live. My ...
A: Can't say that I've encountered this before. I personally wouldn't want to drive the vehicle until ...
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| Who should pay? | 5/29/2008 |
Q: My daughter, 14, borrowed a friends car and got into an accident in December last year. Her friend ...
A: Interesting response from the SC DOI. I think it is the judge's interpretation that holds up in ...
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| Car Insurance | 5/29/2008 |
Q: We just had the title of one of cars put in my 22 year old son's name and he now has his own car ...
A: I'm not an attorney, but as long as he is not driving your vehicles, you wouldn't have the auto ...
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| Who should pay? | 5/28/2008 |
Q: My daughter, 14, borrowed a friends car and got into an accident in December last year. Her friend ...
A: Liability rests with the owner of the vehicle. I would get a transcript of the judge saying she had ...
|
| Water Damage | 5/26/2008 |
Q: I just had water damage to the entire basement with all my furniture down there (I was painting the ...
A: It will depend on what coverages you purchased on your policy, and what the actual cause of loss is. ...
|
| Gas station accident | 5/24/2008 |
Q: While I was filling up my car, I absent mindedly tripped over the pump in my car. The hose connected ...
A: I would send them a letter, advising them that you didn't drive off, that you tripped, and that the ...
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| unlicesed driver | 5/21/2008 |
Q: I recently lent my car to someone who has had his license revoked (due to DWI) and is currently not ...
A: Your auto policy should provide coverage, unless you had a special endorsement (unlikely) excluding ...
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| Other driver failed to yield right away, says I had a turn signal on | 5/16/2008 |
Q: This morning, I was traveling westbound on a two lane road to go to work. About 50 feet before a ...
A: It sounds to me like you had the right of way, and that she should have yielded, and that she was at ...
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| theft | 5/15/2008 |
Q: My vehicles was broken into while at the mechanic shop. My loss is $5,897. Insurance did not cover ...
A: I'm not from California, but likely you will have to file a claim for this in court- whether small ...
|
| STOLEN CAR | 5/15/2008 |
Q: MY CAR WAS STOLEN OUT OF MY PARKING LOT. I AM FUSTRATED AND WITHOUT A VEHICLE. HOW MANY DAYS DOES ...
A: The insurance company probably will not automatically know that the vehicle was found, so you should ...
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| Is my claim going to be denied?? | 5/15/2008 |
Q: My car was stolen two weeks ago. My insurance is giving me a hard time about it. They found and ...
A: Since you didn't give this kid permission to take your vehicle, and your keys were stolen, they ...
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| private vehicle damage from business property | 5/14/2008 |
Q: I live in Utah and recently my car windshield broke while i was at work. what broke my windshield ...
A: Falling debris from trees is generally considered to be an Act of God, unless you can prove the ...
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| life insurance payment | 5/11/2008 |
Q: A "friend" told me his friend died as the result of a suicide attempt and that he was the ...
A: I would indeed be suspect. Two weeks is rather short. As to suicide, there is a 2 Year period of ...
|
| 17 year old in an accident | 5/7/2008 |
Q: I have a 17 year old daughter who has had her license for a little over 1 year. Yesterday she was ...
A: Filing a claim with your insurance company will definately impact your insurance rates. If the ...
|
| Roof damage | 5/6/2008 |
Q: On Feb 7th the roof on a portion of our house was damaged by wind. This particular section of the ...
A: I think you have good cause to make a written complaint for delay of claim payment with your state's ...
|
| Tree in Right of Way | 5/5/2008 |
Q: I was driving down a city road and a tree fell about 15 foot down a bank and landed on my car, tree ...
A: You would have to look to your own auto insurance policy, as such losses are generally considered to ...
|
| Car Accident insurance claim from GEICO | 5/1/2008 |
Q: I am confused and hope you can help me. I had a car accident on 03/10/2007 and the car was only 6 ...
A: I've heard of people suing in the state of Virginia regarding diminished value, and winning. I'm ...
|
| mother fell and broke tailbone | 4/23/2008 |
Q: My mom slipped on water from a leaking hotwater heater and broke her tailbone at her mom's house. ...
A: If your mother doesn't reside with her mother, then the homeowners policy should respond, at least ...
|
| Someone else's motorcycle - no insurance | 4/19/2008 |
Q: I crashed a friend of mine's motorcycle and he has no insurance. He came to me and asked if i ...
A: Your friend has the responsibility of choosing to insure, or not to insure his motorcycle for ...
|
| Will landlords liabilty Ins help | 4/18/2008 |
Q: My son rents a room in the basement of a private residence. He fell down the stairs a week ago and ...
A: I'm not an attorney, but I can give you my opinion. If the landlord had stuff on the stairs ...
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| non owner insurance | 4/14/2008 |
Q: I was loaned a car for 1 day. i had an accedent with no bodily injury. i currently have a state farm ...
A: You don't say why you were loaned the car. If it was because your regular vehicle was out of ...
|
| 2 month old claim | 4/11/2008 |
Q: i had a water leak from the second floor in my home which damage the 1st floor and basement on ...
A: I would advise the company that they have 10 days to resolve this, or you will contact your state's ...
|
| Bad Parking lot | 4/10/2008 |
Q: and while cruising the parking lot, to find a decent space, BAM!!!!!!! i hit a ditch that was a ...
A: The owner of the property should be liable for having a dangerous condition like a unmarked ditch in ...
|
| Truck damage | 4/9/2008 |
Q: I have a rather unusual situation. I rent an apartment in CT, and parked my truck in a parking ...
A: I'm not an attorney, but I believe you may have grounds for the condo paying it, so I would appeal. ...
|
| auto accident | 4/9/2008 |
Q: My 16 year old was involved in a car accident. The other party was responsible and their insurance ...
A: Yes, I believe that is basically correct. You will need to keep close track of what bills you pay, ...
|
| What Can I do? | 3/29/2008 |
Q: I've been living in my new home for 5mos o far and my roof is leaking in five places. When i first ...
A: This doesn't really come under the area of insurance law, but under the laws that real estate agents ...
|
| Backing out of a Parking Lot space is NOT a fault while hitting oncoming traffic. | 3/27/2008 |
Q: I have been told by my father, a 30 year insurance technologist, reported to me that it is NOT the ...
A: You dad has an interesting perspective, however I believe strongly that if you talk to insurance ...
|
| general liability audit | 3/17/2008 |
Q: I did not renew the general liability policy with my previous insurance company. I was called a week ...
A: Yes, legally, you do have to do this audit. You agreed to it per the conditions of the policy- it's ...
|
| accident | 3/15/2008 |
Q: I was in an accident with someone at an intersection(he had a flashing red signal and I had a ...
A: You're in a tough spot here. You really should have called the police, but I'm sure you realize ...
|
| Auto Theft | 3/14/2008 |
Q: I recently had my car stolen from school. I followed all procedures. I filed a claim with my ...
A: There are limits in the policy for stereo systems and other customization, and they need to be ...
|
| medical lein & selling property | 3/13/2008 |
Q: I was involved in a motorcycle accident and I am still undergoing extensive medical procedures to ...
A: The only way to know for certain if there is a lien is to check with the Register of Deeds. It'll ...
|
| medical lein & selling property | 3/12/2008 |
Q: I was involved in a motorcycle accident and I am still undergoing extensive medical procedures to ...
A: You would want to check with the Register of Deeds, and see whether a lein has been placed on the ...
|
| vehicle registration for Texas | 3/11/2008 |
Q: I am currently driving my sister's car (it's in her name) and I have liability insurance on it in ...
A: You cannot insure or register a vehicle that you do not own, and she wouldn't be able to get ...
|
| CA - Car Accident, No Fault, No Insurance | 3/10/2008 |
Q: I was in a car accident in my boyfriends car, that was not my fault. I did not have insurance, but ...
A: First of all, there are NO grace periods ever on auto or homeowners policies, just so you know for ...
|
| Failure to yeild right of way | 3/8/2008 |
Q: I was recently involved in an accident in North Carolina. SCENARIO: I was traveling on a two lane ...
A: The first thing I would suggest is getting a copy of the police report, submit a copy of that again ...
|
| DV | 3/7/2008 |
Q: DO YOU HAVE ANY CASE LAW ON 3RD PARTY DIMINISHED VALUE ?
A: I'm not an attorney, but you may want to do a search on google on laws in your state to see what you ...
|
| I was rear ended | 3/6/2008 |
Q: I live in Illinois. I was rear ended the last week of February. I didn't go to the doctor because it ...
A: Just because you think you deserve more doesn't mean you are legally entitled to more. You need to ...
|
| i had a car accident all my fault | 3/5/2008 |
Q: I had a car accident 3 days ago, I was driving in L.A at the 5fwy.. I had not gotten any sleep the ...
A: You're in a tough spot here. If the car was legally titled to you, you are responsible for the ...
|
| out of country | 3/5/2008 |
Q: their fault,they got ticket.here in fla on holiday they have not reported the accident to their ...
A: If their insurance policy is from Canada, I really can't answer, since different policy forms apply. ...
|
| driver had suspended license | 3/5/2008 |
Q: I let a young man borrow my car to pick up his daughter from daycare. Well, he ran into a telephone ...
A: If you carried physical damage coverage on your car, since you gave permission to the driver, your ...
|
| car insurance | 3/5/2008 |
Q: Last month my 05 Trailblazer was hit by a 16 yr old with no insurance and no license. My insurance ...
A: Technically, it is the sister who is legally liable for the damages, since she is the owner of the ...
|
| Inactive auto insurance | 3/4/2008 |
Q: I had a car accident few days back..in which my car was hit from back..Now a guy who hit my car had ...
A: Some states will allow you to have a judgment put on the other person's driving record if they cause ...
|
| homeowners insurance | 3/4/2008 |
Q: Are insurance adjusters allowed to discuss your claim openly with others? What would an insurance ...
A: I had a hard time understanding all what you were trying to get across. My background isn't claims, ...
|
| Small Claims in Michigan | 3/3/2008 |
Q: My husband and I were in an accident where a 71 year old woman pulled out fin front of us failing to ...
A: I'm sorry that I can't be of much help to you in this situation. Here's a link to Michigan No Fault ...
|
| Accident Liability in accident | 3/3/2008 |
Q: I was in an accident on Friday involving another driver. This occurred in Connecticut. Going by the ...
A: Unfortunately, you are considered to be at fault, because the driver coming into traffic is required ...
|
| Proximate Cause | 2/28/2008 |
Q: I was driving on a 2 lane road, a car heading in the opposite direction came into my lane - while ...
A: I'm not from Texas, but if the police report clearly states him admitting that he pulled into your ...
|
| Parking Lot liability | 2/28/2008 |
Q: Denise, Recently my daughter was pulling out of her assigned parking space in a gated apartment ...
A: No, there is no shared liability on this. The person backing up the vehicle is required to back up ...
|
| estimate of setelment | 2/27/2008 |
Q: 2 month ago i was involved in a car accident that i was in the middle #1 car did not stop and hit me ...
A: I can't really help you with this. This is something that you should discuss with an attorney, so ...
|
| Fallen tree limb | 2/26/2008 |
Q: I live in an apartment complex in Georgia. This morning a storm came through and blew limbs off of ...
A: It all depends on the insurance coverage that your purchased. I did a brief search on google, and ...
|
| cover my family | 2/26/2008 |
Q: I'm interested in self insuring my family and relatives so we don't have to pay auto insurance.Would ...
A: There are a number of issues with surety bonds in lieu of auto insurance. One is that some states ...
|
| parking lot accident | 2/25/2008 |
Q: I was in a minor parking lot accident at a shopping center. I pulled into the parking lot and as ...
A: Since she was backing out, she would be considered at fault. The person backing up their vehicle is ...
|
| insurance company doesnt want to pay | 2/18/2008 |
Q: i was involved in an auto accident where the other driver was at fault. if a vehicle is ...
A: The other party not having insurance doesn't absolve the insurance company of their obligation to ...
|
| Lien on car | 2/15/2008 |
Q: Our car was involved in accident, when insurance went to pay us amount due to fix, discovered there ...
A: How this is handled must vary by state. I agree that it seems unusual for a company to be able to ...
|
| Lien on car | 2/12/2008 |
Q: Our car was involved in accident, when insurance went to pay us amount due to fix, discovered there ...
A: If you have debts that are not paid, and the debtor finds you own property (cars or homes), they can ...
|
| Car rental liability insurance coverage | 2/12/2008 |
Q: Is minimum liability coverage included with car rentals in Texas (Dallas)? I am a Massachusetts ...
A: It will cover you for the rental car, but you should check to see if it will give you higher ...
|
| Car rental liability insurance coverage | 2/11/2008 |
Q: Is minimum liability coverage included with car rentals in Texas (Dallas)? I am a Massachusetts ...
A: You need to purchase all available coverages from the car rental place, including liability and the ...
|
| Homeowners claim | 2/9/2008 |
Q: Will it do any good to sue an Insurance carrier over a claim denial. I thought we were covered until ...
A: Ask the insurance company will probably cite the specific page and paragraph of the policy ...
|
| Man drove into our well cap | 2/9/2008 |
Q: In October a neighbor's friend drove into our well cap and caused damage to the well casing(inside ...
A: I would get an attorney involved, and also you may want to make a inquiry about their handling of ...
|
| Tree danage to the neighbors house | 2/3/2008 |
Q: During a wind and snow storm on 12/23/07 a large branch tore off and hit our neighbors gutter. Since ...
A: I can't answer as to the specifics, but the general rule is that a tree has to be visibly dead- no ...
|
| Husband's shopping cart rolled into another car while he was loading | 2/3/2008 |
Q: Tonight, after shopping at Home depot, my husband was loading wood into the car when the person in ...
A: These situations are a puzzle for me too. I believe it could possibly come under the auto ...
|
| My car was totalled and other party's carrier is just ignoring us | 2/2/2008 |
Q: I was in an accident almost 3 weeks ago and my car was totalled. I was not at fault; and the other ...
A: Yes, you should definately file a complaint. They can't get off on the liability because of ...
|
| Auto Accicent. No Insurance. | 1/31/2008 |
Q: I slid off the road this morning and wrecked my car. I'm not sure if its totaled or not but sure ...
A: If the GAP insurance you purchased was an endorsement on your Auto policy, then since the policy ...
|
| Reimbursement for Loss of Value from Car Wreck | 1/31/2008 |
Q: Am interested in pursuing recovery for the loss of value due to my car being hit from the rear. How ...
A: Your insurance company will not pay for loss of value. Usually you have to sue the person who ...
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| car stolen then totaled with another vehicle | 1/30/2008 |
Q: My car was stolen by someone i did not know, but was at my house. they stole my keys while i was ...
A: Your auto policy will extend coverage only to drivers you gave permission to. Since you reported ...
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| STOLEN TRUCK | 1/30/2008 |
Q: MY 03 LIN. NAVIGATOR WAS STOLEN ON NOV 7TH 2007 IN FRONT OF MY HOME. THE TRUCK WAS RECOVERED THE ...
A: Most states require 30 days for them to investigate and come up with a settlement. This amount of ...
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| lapse of coverage | 1/29/2008 |
Q: My father in-law took out a policy on my wife after she graduated college to prevent a lapse in ...
A: You may want to contact your State Department of Insurance, and ask them to inquire about it. If ...
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| car accident | 1/29/2008 |
Q: am in the second lane and a car is in the first lane we are going round a round about we go past the ...
A: Round abouts are a newer thing in the states, and I haven't run across them before. I believe that ...
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| Hit & Run driver Not reported stolen for 6 days later Insurance wont pay claim | 1/29/2008 |
Q: My car was totaled by a drunk hit and run driver in front of my house. I only have liability ...
A: This does sound suspicious, I agree. Not reporting the car stolen until 6 days later is way too ...
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| Stolen Car | 1/28/2008 |
Q: I am an American living in London, UK. I am leasing a luxury car from a local finance company. My ...
A: As an insurance agent in the US, I'm not familiar with auto policies that apply in Britain. If the ...
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| older car damaged | 1/27/2008 |
Q: My wifes 97 Infinity Q45 was hit by a car making a left turn in front of my wife. The police wrote ...
A: Total losses are determined by a percentage that varies, comparing the actual market value of the ...
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| left turn accident | 1/27/2008 |
Q: i understand that a car entering the intersection making a left hand turn has the right of way to ...
A: It's very tough to assess fault in a case like this. Most likely it would be considered to be the ...
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| Slid into ditch | 1/26/2008 |
Q: I was driving my brother's girlfriend's car when I hit a patch of black ice and slid into the ditch. ...
A: Her insurance company will pay for the damage, subject to her paying the deductible. If the ...
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| Daughter's car totaled by hit and run driver | 1/26/2008 |
Q: My daughter's car was totaled on 12/17/08, by a hit and run driver. She was parked along a street ...
A: You don't have a lot of options, other than filing a claim against your insurance. Unless you can ...
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| Slid into ditch | 1/25/2008 |
Q: I was driving my brother's girlfriend's car when I hit a patch of black ice and slid into the ditch. ...
A: Citations are not always issued for road condition accidents, as vehicle failures (ie, poor tread on ...
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| Vehicle Theft/Recovery - Who Pays? | 1/24/2008 |
Q: Our restored 68 Camaro was stolen by a 20 year old who lives at home with his parents. He does not ...
A: You don't say how you were able to prove that it was the 20 year old who stole it. Are the police ...
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| Insurance for adults with permits to drive in california | 1/24/2008 |
Q: My son is 18 and has his driving permit. Do I need to purchase insurance for him while he has his ...
A: If your son resides in your household, and is not yet licenced, he is covered as an insured driver ...
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| Rear ended | 1/23/2008 |
Q: I was in a car accident last week in which I rear-ended someone. We were both in the second from ...
A: You are at fault in the accident, so you don't really have any legal recourse that I can see. I'm ...
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| Parking Lot Liability.... | 1/22/2008 |
Q: My son pulled into the parking lot where he works. One of the drivers (from his company) did not ...
A: Hard position to put an employee in. File a claim against their Business Auto Policy, which is ...
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| car accident | 1/21/2008 |
Q: I got into a car accident in a friends vehicle that wasnt insured. She gave me permission to drive ...
A: Technically, your friend chose to self insure for all losses by not purchasing insurance, so ...
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| underage driver no license | 1/21/2008 |
Q: If my wife gave out 15 year old son who has no driver's license permission to drive our car and he ...
A: The auto policy will extend coverage to any operator in the household. People living in the ...
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| Illegally parked vehicle | 1/21/2008 |
Q: i hit an illegally parked veh. am i 100% liable?? thx
A: Yes, if a vehicle was parked, illegally or not, you have an obligation to use due care when ...
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| auto accident | 1/18/2008 |
Q: i was in a accident.had let my ins. lapse. other persons ins. co is suing me for 12000. for damages ...
A: You certainly have a right to know what the damages were. They may be suing you not only for the ...
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| car accident | 1/18/2008 |
Q: my son was in an accident in pa last night. He is 19 and had my 17 year old son with him. Both boys ...
A: One thing that would be of benefit is if there were any witnesses behind them, that could confirm ...
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| Rear Ended this Friday | 1/15/2008 |
Q: I was rear ended this Friday. I have whiplash injury to my neck and was taken to ER. My car was ...
A: You shouldn't be charged for the accident as being at fault, but it is possible that you could lose ...
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| daughter being sued for accident | 1/15/2008 |
Q: My daughter is being sued in civil court for an accident that happened 14 months ago. She was ...
A: I did a google search on lost value in your state, and it does appear there is case law supporting ...
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| Hit & Run = Rate Increase? | 1/15/2008 |
Q: My son's car was hit & run in a parking lot. We do not have UM/UIM PD (it is optional in CO). If ...
A: It is likely that you may have a rate increase, or lose a claim free credit. He probably won't be ...
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| Lapse in Coverage | 1/14/2008 |
Q: I currently have 5 cars covered by GMAC. Over the past 25 years I have never been in an accident, or ...
A: There isn't any grace period for cancellation of an auto policy. Companies are required to send ...
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| daughter hits house and car | 1/14/2008 |
Q: My daughter who is learning to drive stepped on the gas instead of the break and ran into our house, ...
A: The damage to the house should be payable in full under the property damage liability coverage of ...
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| Drunk Driver Using Company-Owned Car | 1/13/2008 |
Q: My car was hit and totaled by a drunk driver while it was parked legally on a city street in Austin, ...
A: You'll probably have a hard time getting the grocery store to admit they had an undocumented (no ...
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| where and who should I suit | 1/13/2008 |
Q: I had a car accident when the other driver changed from a left turn lane to my straight lane. ...
A: You would be best to look to see how you can prove your case. Do you have witnesses as to what ...
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| issues with home | 1/12/2008 |
Q: I bought my home about two years ago. I was told of no issues with the home other than the roof ...
A: This is more of a real estate law question, but as I understand it, if the homeowner knew about ...
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| Parking lot accident (NY state) | 1/11/2008 |
Q: I have a question regarding liability with regards to an accident in a parking lot. Last month I ...
A: What I mean is that if you have your own auto insurance, you would be making a claim against your ...
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| hit and run with a stolen car | 1/11/2008 |
Q: day. The car was registered but not insured. The car was reported stolen in the evening while the ...
A: The issue that the insurance company has is that the theft was reported after the accident. This ...
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| late spouse's car | 1/10/2008 |
Q: A car registered in a late spouse's name was involved in an accident (in Illinois). Car was regarded ...
A: In the personal auto policy, the spouse is considered to be an insured with full property rights to ...
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| Parking lot accident (NY state) | 1/10/2008 |
Q: I have a question regarding liability with regards to an accident in a parking lot. Last month I ...
A: I'm afraid that you're probably not going to have any recourse against the facility's insurance, and ...
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| accident while backing | 1/9/2008 |
Q: I was backing out of a driveway to a secure parking lot because my badge would not let me in. As I ...
A: This is a tough one to assign fault to. I personally would give it a 75% your fault, 25% the other ...
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| hit by shopping cart | 1/9/2008 |
Q: on a recent windy day I cam out to my car to find that I had been hit by a run away cart. The cart ...
A: Most places I see know have a sign posted that they are not liable for damages caused by carts. ...
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| hit by rental car | 1/8/2008 |
Q: I was hit by the driver of a rental car in early December. The New York state trooper on the scene ...
A: Enterprise does have secondary liability coverage in this accident, as they are the vehicle owner. ...
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| Regarding Vehicle Accident | 1/8/2008 |
Q: Denise, My question is in regards to a vehicle accident that occurred on 10/12 of 07, and involved ...
A: A lawsuit is definately an option, and getting an attorney would have been a good idea from the ...
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| Uninsured Reckless Driver | 1/7/2008 |
Q: My dad borrow by brother his car for a quick errand and when my brother was stop on a red light he ...
A: The reckless driver is liable, but your father's insurance company, in order to recover the damage, ...
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| turning left on neighborhood street | 1/6/2008 |
Q: My son was turning left (with his turn signal on) into a driveway in a neighborhood. There were ...
A: I don't see why the insurance company would have put them both at fault, as passing in a no passing ...
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| Car parked next to mine caught on fire; who is liable for damage to mine? | 1/4/2008 |
Q: I was at work when I was notified that the car that parked next to mine (I was there first) was on ...
A: Their adjuster is correct. Since the car wasn't moving at the time, there is no liability on them. ...
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| 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: Complicated question, not sure if I can answer it. The first place to look after the other party's ...
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| personal injury limits | 1/2/2008 |
Q: Back in may i was involved in a motor cycle wreak where a young lady pulled out in front of me and ...
A: If your damages exceed the maximum amount they can offer, then no, it doesn't release them. Read ...
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| PMI and beneficiary? | 1/2/2008 |
Q: Several years ago my sister told me she has PMI (private mortgage insurance) insurance. She also ...
A: Using PMI is payable first to the company holding the mortgage. Any proceeds after that would go to ...
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| Insurance Salvage | 1/1/2008 |
Q: Where do you buy cars or motorcycles that have been settled on or collected for salvage. I am ...
A: There are a lot of issues with salvage titles. First, make sure you know what the requirements are ...
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| 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: Since he is the beneficiary of the life insurance policy, the state should be able to issue him one ...
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| i rear ended someone | 12/28/2007 |
Q: i rearend someone tonight who just slammed on there brakes for no reason it was raining out and i ...
A: If you had insurance, your insurance company may argue that since he intentionally caused the ...
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| Accidents | 12/27/2007 |
Q: Just a couple of question? If a person is driving someone else vehicle with no insurance, can the ...
A: The owner of the vehicle has the 1st responsibility in an accident. If that person has no ...
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| parked car hit with witnesses | 12/27/2007 |
Q: One of our cars was recently hit while parked outside our apartment. It is very near a bar and a ...
A: In my opinion, yes, your insurance company may be dropping the ball. They should be at least trying ...
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| unlicensed driver causes accident | 12/24/2007 |
Q: My 17 yr. old stepdaughter told her friend's grandmother that she had a driver's license, when she ...
A: The grandmother's insurance would respond first, to the damage to the vehicle. If there were ...
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| I purchased an engine that ended up being 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: I don't think I can be of much help for you on this. It really depends on what the insurance ...
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| Renters | 12/19/2007 |
Q: I have renters but am moving (locally). If my property is damaged in the move (like the moving ...
A: You would need to read your policy to be certain. Look for "personal property off premises". ...
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| Dead Tree damage | 12/19/2007 |
Q: I live in Georgia. I have State Farm homeowners insurance. A large tree has fallen on our roof. ...
A: You probably won't have any trouble. The issue comes into play when the tree falls on someone elses ...
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| rear ended | 12/19/2007 |
Q: I was rear ended by another vehicle, he was put at fault and cited a ticket, his insurance agency ...
A: Generally, they will only pay for the damages that occur and that they can verify. You could accept ...
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| Car accident | 12/19/2007 |
Q: I live in Minnesota and was recently in an accident during a heavy snowfall. I was merging off an ...
A: Since you weren't driving your own vehicle, it would be your uncle's insurance that would be ...
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| (ex) Friend pushing an insurance claim | 12/18/2007 |
Q: I was recently at a friend's house helping her get ready for a party. I pulled into her driveway, ...
A: Yes, you are responsible for the damage. Even if she didn't park correctly, you are required to ...
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| tree on house | 12/18/2007 |
Q: My neighbors live tree fell on my house during some high winds. It took out my car port and fell on ...
A: Unless you can prove that the tree was dead prior to the storm, and that the neighbor was negligent ...
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| Homeowners Insurance | 12/17/2007 |
Q: I live in Virginia and recently had 4 computer and 3 iPods stolen from my home. I have a friend ...
A: The renters insurance policy will not cover property of others, just your property. I don't know ...
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| auto accident....other person driving... | 12/15/2007 |
Q: I was driving an inebriated friend home at his request, in his vehicle. There was a massive storm ...
A: You don't have any obligation at all to pay for the deductible. Yes, you are a permissive driver, ...
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| Repair after fire | 12/14/2007 |
Q: After a small fire in my house, carpeting will be replaced. The insurance adjuster gave money to do ...
A: No, they won't force you to replace it with carpet. They will definately work with you, as hardwood ...
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| Hit in Rear End | 12/14/2007 |
Q: I was struck in a rear end collision last Sunday. My injuries consisted of a "major concussion" by ...
A: Given the nature of your "pre-accident" condition, it would be a good idea to consult an attorney. ...
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| Renters Insurance | 12/14/2007 |
Q: Denise Hi I just have a simple question for you. My question is that how long does an insurance ...
A: There is generally a requirement that they repond in some fashion in 30 days. There aren't any ...
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| Roof insurance claim prior to home sale | 12/12/2007 |
Q: I bought a house last year. The previous owner had suffered hail damage and filed a claim with ...
A: Situations like this do not come up very often. It sounds to me like the bank is the party with the ...
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| Parking Front in vs Backed in | 12/11/2007 |
Q: What does Texas law say about pulling straight into a parking space, facing forward versus backing ...
A: It's a very good rule that this employer has, I wish more would require it. Parking lot accidents ...
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| "Open title" | 12/10/2007 |
Q: My brother purchased a vehicle that needed several repairs done to it. Instead of titling the ...
A: Your brother would have to prove that he purchased the vehicle, and that he should be the legal ...
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| Apartment Complex & Ice | 12/8/2007 |
Q: I am the leasing agent here at an apartment complex in Kansas City. I just got a call from a lady ...
A: I doubt that she has a case, as she was apparently driving too fast for conditions, and lost control ...
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| claims | 12/8/2007 |
Q: I was in an accident the other driver had insurance so do I but I had my insurance company to pay ...
A: You do have to sign this over to your insurance company. Since they paid you for the loss, however ...
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| 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: I'm not certain what you are referring to as "H & W". If you have insurance coverage other than ...
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| Mom's Chain reaction accident | 12 |
