I live in Texas and my roof has hail damage. There have been several large storms over the years, but I was never aware of any damage until recently. My roof is white and multi-faceted and now all sides facing north have dark streaks. I called my ins. agent and they asked for a date of the......
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Suing an insurance companyThu, 15 May 2008 22:15:00 GMTI live in WA State and own a condo. On May 3rd, my neighbors upstairs were having a washing machine delivered to them from a company subcontracted out from Sears. While hooking it up the workers busted the cold water valve and water started gushing out down into my condo. Nobody knew where the......
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Help - Pre-Existing ConditionSat, 19 Jul 2008 08:11:00 GMTWhat is the name of your state (only U.S. law)? MA I know this has been covered, but just to confirm. My new insurance company is "investigating" claims that were paid out for an endoscopy procedure that I recently had. They are looking to see if this is a pre-existing condition.......
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Insurance against financial risks under agreements with offshore companiesSat, 31 Aug 2002 08:13:00 GMTInsurance against financial risks under agreements with offshore companies. Is it possible? Maybe you could advice a company that deals with it. thanks...
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Tree in my yard causing an issue with neighborWed, 09 May 2007 20:46:00 GMTWhat is the name of your state? Pennsylvania About two months ago, a neighbor of mine claimed that the roots from a tree on my property grew into a water pipe leading into his house. He claimed that the pipe burst, flooded his basement, and ruined some of his belongings, including some of his......
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Dangerous dogs & homeowners insuranceMon, 07 Jun 2004 15:07:00 GMTWhat is the name of your state?What is the name of your state? Massachusetts I live in a Massachusetts suburb which does not have a dangerous dog ordinance on the books, and we have had some problems in my ward with aggressive dogs. In one case, a pit bull mix, unprovoked, leapt a fence and......
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COBRA Coverage/CancellationsSun, 01 May 2005 03:19:00 GMTI am in California. I lost my job in 8/2004 and have been paying COBRA for health insurance (P5 Interplan) and prescription coverage. Almost every month I am "cancelled" for no reason. I make payments every month, 2-3 weeks ahead of time, on the COBRA Web site, which says it takes 24......
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STD Premium vs. Benefit AmountFri, 03 Dec 2004 17:02:00 GMTWhat is the name of your state? Pennsylvania Husband "bulged" 3 disks and has been out of work since October. We paid extra for additional disability insurance that we THOUGHT was his annual income amount. Well, it seems that the insurance company feels he "doesn't qualify"......
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Insurance checkFri, 16 Oct 2009 12:40:00 GMTWhat is the name of your state (only U.S. law)? california I work for a medical practice that sometimes the patient receives the check from the insurance company, they have kept the check and not paid us on the bills, I read somewhere we can turn these people to the IRS for tax fraud. Is that......
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Beneficiary QuestionFri, 19 Dec 2008 10:32:00 GMTWhat is the name of your state (only U.S. law)? NC Can anyone be named as beneficiary by the policy owner? We have a situation where my father-in-law named his kids beneficiary on a policy he had on his second wife. The wife gave everything to her kids (will) do they have a claim to the......
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Life Insurance BeneficiaryMon, 02 Mar 2009 21:46:00 GMTWhat is the name of your state (only U.S. law)? CO My father passed away and had a life insurance policy that listed my mother as the beneficiary. They have been divorced for a couple of years now and he never changed the beneficiary. My father was a resident of CO. My mother and all the......
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hit & runFri, 18 Mar 2011 14:16:00 GMTi was driving my girlfriends car as i was pulling in to my driveway a truck hit us and then took off and we did not get the plate number... who would be at fault...
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Diminished value lawFri, 18 Mar 2011 14:16:00 GMTWe bought a new 2010 truck with only 40 miles on it. after leaving the dealership and going about 20 miles we were rear ended at a stop sign. Damage to the vehicle was to the bumper only of $700.00. Are we entitled to diminished value to the vehicle if it is reported on a carfax report in the...
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army doctorWed, 02 May 2001 19:38:00 GMTI served in the military for three years. While in the service I eventially I got bursitis from my training. Over a three month period I was given five cortisone injections to the bursa on my left hip. I was medicaly discharged 2000. About one year later I still suffer from hip pain, and now have......
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Diminished ValueFri, 18 Mar 2011 14:17:00 GMTHi Denise, A month ago, my wife got is into a major accident. The guy did not yield on the stop sign. Our (2005 RL Acura) got damaged pretty bad on the front. The repair cost was about $12800. Repair shop did a good job for the repair. I contacted the dealer where I bought the car to get...
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regardnig private property accidentFri, 25 Mar 2011 12:05:00 GMTOk, I have 2 vehicles. my newest one is insured in my name. My second vehicle is never used and is a 92 blazer. so it's no insured. My fiance decided to take it out to the bank up the street secretivly knowing I'd get pissed if it was driven with no insurance. ... In the bank parking lot...
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Not at fault but uninsuredWed, 02 Nov 2005 12:33:00 GMTWhile making a left at a traffic signal (had green arrow) was broadsided by on coming mini truck. I have no insurance (lapsed two weeks prior), no injuries, $1,000 damage. When other driver found out I was uninsured, stated light was green for him and I ran the light. Two vehicles (stopped in the......
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Children & beneficiaries of life insuranceTue, 24 May 2005 12:22:00 GMTWhat is the name of your state? Kentucky. My father passed away in 2003. He resided in the state of Indiana. He was married to his third wife and has five surviving children (none of the children belong to this third wife). When my father was still living, he had explained that all five of his......
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insurance cancelled & still drove her carFri, 25 Mar 2011 12:05:00 GMTMy daughters car insurance has been canceled. she is 20. She is still driving her car. She lives at home, my question is if she gets into a accident, can they come after our homeowners insurance and make us libel....
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Left hand turn on a yellow lightFri, 25 Mar 2011 12:05:00 GMTI was going northbound on a two lane road with a center turning lane preparing to make a Left hand turn with a yellow light. I proceeded in where I came to a slowdown/stop under the signal light. I thought the opposing traffic was slowing down. I could not see if the light turned red.(I should...
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Sued for fire damageSun, 06 Oct 2002 19:21:00 GMTWhat is the name of your state? NY My boyfriend and I have been renting a single family house for 18 mos. In Dec of last year, a pan of grease heating on the stove accidentily caught fire. There was damage limited to replacing the stove, 2 cupboards, a vinyl floor and smoke damage. Although the......
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How do I find if Insurance Co. is legit to buyWed, 21 Feb 2001 21:08:00 GMTI have just recently purchased Life Insurance for my mother threw Conseco Direct Life Insurance, has anyone heard of any problems with this company and how do I find out this is a decent company, I don't want to pay to much into policy and then find out something that I should of questioned, but......
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Car Accident With Lapsed InsuranceMon, 07 Dec 2009 09:30:00 GMTMy question involves a traffic accident in the State of: Michigan I was involved in an accident while making a left-hand turn across traffic... it was definitely my fault. I just found out that my insurance had lapsed two days previously and is not going to cover the me or the other driver. What......
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Is insurance required?Fri, 18 Mar 2011 14:15:00 GMTAre gas stations required to have insurance for property damage or bodily injury in the state of Florida? Thank you in advance!...
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red flagSat, 17 Feb 2001 11:49:00 GMTin my previous question about my husband being assaulted and the DA dropping the ball. When my question was answered, the answerer said that the DA dropping the ball sent red flags. I am not sure what that means. If we could get the DA the press charges, what would we have to do? Thank you....
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Can employer switch health insurance retoactively? Live in Indiana, work in Illinois.Wed, 01 Sep 2010 07:03:00 GMTLive in Indiana and work in Illinois. I was preapproved for heart surgery which occurred end of January. After surgery my employer changed my insurance carrier and made it retroactive to January 1st. I am now left with hospital bills that would have been covered with my original insurance. Is t...
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Requirements to open an Insurance PolicyMon, 03 Mar 2003 18:42:00 GMTI have recently bought a new house in Texas. I called several companies for insurance quotes. When it was close to closing on the house I called to let my lender know that I had chose insurance company "A" I had them send the binder. My lender told me early that morning she had spoken......
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Do I need Insurance?Fri, 17 Jun 2005 02:46:00 GMTWhat is the name of your state? Hawaii My question is this... I'm starting a workout group at a local neighborhood park. basically its just for people on my side of the island to meet, and have other people to walk or jog with. We dont give out or run any specific workouts, people just show up,......
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Always getting a bad wrapThu, 08 Feb 2007 16:41:00 GMTWhat is the name of your state? CT I am an insurance business in the state of CT. It hurts me to say that at times I feel bad for my clients. Recently, I have had a claim for an insured that is being sued for an appliance that he delivered to a builder (purchaser) 6 years ago. The builder......
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Texas overinsurance lawTue, 22 Mar 2005 18:52:00 GMTIs there a law in Texas that states a home cannot be over-insured in order to cover the mortgage loan amount? Some states have this law; but, I don't know if it applies to Texas....
Live in Indiana and work in Illinois. I was preapproved for heart surgery which occurred end of January. After surgery my employer changed my insurance carrier and made it retroactive to January 1st. I am now left with hospital bills that would have been covered with my original insurance. Is t...
I have recently bought a new house in Texas. I called several companies for insurance quotes. When it was close to closing on the house I called to let my lender know that I had chose insurance company "A" I had them send the binder. My lender told me early that morning she had spoken......
What is the name of your state? Hawaii My question is this... I'm starting a workout group at a local neighborhood park. basically its just for people on my side of the island to meet, and have other people to walk or jog with. We dont give out or run any specific workouts, people just show up,......
What is the name of your state? CT I am an insurance business in the state of CT. It hurts me to say that at times I feel bad for my clients. Recently, I have had a claim for an insured that is being sued for an appliance that he delivered to a builder (purchaser) 6 years ago. The builder......
Is there a law in Texas that states a home cannot be over-insured in order to cover the mortgage loan amount? Some states have this law; but, I don't know if it applies to Texas....
I was going northbound on a two lane road with a center turning lane preparing to make a Left hand turn with a yellow light. I proceeded in where I came to a slowdown/stop under the signal light. I thought the opposing traffic was slowing down. I could not see if the light turned red.(I should...
What is the name of your state? NY My boyfriend and I have been renting a single family house for 18 mos. In Dec of last year, a pan of grease heating on the stove accidentily caught fire. There was damage limited to replacing the stove, 2 cupboards, a vinyl floor and smoke damage. Although the......
I have just recently purchased Life Insurance for my mother threw Conseco Direct Life Insurance, has anyone heard of any problems with this company and how do I find out this is a decent company, I don't want to pay to much into policy and then find out something that I should of questioned, but......
My question involves a traffic accident in the State of: Michigan I was involved in an accident while making a left-hand turn across traffic... it was definitely my fault. I just found out that my insurance had lapsed two days previously and is not going to cover the me or the other driver. What......
Are gas stations required to have insurance for property damage or bodily injury in the state of Florida? Thank you in advance!...