How JustAnswer Works:

  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.

Ask Alex J. Esq. Your Own Question

Alex J. Esq.
Alex J. Esq., Attorney at Law
Category: Legal
Satisfied Customers: 12899
Experience:  Experienced Licensed Attorney
26296561
Type Your Legal Question Here...
Alex J. Esq. is online now
A new question is answered every 9 seconds

I suspect my former insurance agent fraudulently added events

Customer Question

I suspect my former insurance agent fraudulently added events to my Lexis Nexis report. I also have been refused any copies of any paperwork containing my signature, as well as the original policy its self. I believe they are hiding something, can I legally obtain this information? They have refused all written requests, as well as verbal requests for five months, in addition I found information was added to my Lexis Nexis report that never occurred so I strongly suspect Fraud, as well as a breach in my policy or contract. I have contacted the agent, the claims team, and even the corporate customer care and was only sent general information, I would like a full report and anything I allegedly signed. I have reviewed public disclosure laws and feel I am with in my rights how ever before I decide to sue or not is there a way to obtain what I am asking for?
Submitted: 1 year ago.
Category: Legal
Expert:  Alex J. Esq. replied 1 year ago.
Hello. My name is XXXXX XXXXX I will be happy to answer your question.

I am sorry to hear about your unfortunate situation.

What type of report are your trying to obtain from Lexis nexis and did you already obtain your consumer copy of such report?
Customer: replied 1 year ago.

I obtained the report, I saw something on there that should not be there. I am trying to obtain a copy of anything I allegedly signed as well as the original policy to determine if the contract was breached or not

Expert:  Alex J. Esq. replied 1 year ago.
Dear Gerry,

Thank you for your follow up.

Do I understand correctly that you want to obtain any forms or documents that you have signed with your former insurance agent / company and they are refusing to provide you with copies of such signed document related to your former insurance?
Customer: replied 1 year ago.

yes this is correct, I am only interested in the bad faith, and breach of contract aspect at this time, not personal injury as I am still going to a DR. I had to locate my own repair shop, and obtain my own rental car after one week with out any help. I feel my agent is hiding information from me, as I have no case with out these documents. Also yes I have been denied access to this information for several months now

Expert:  Alex J. Esq. replied 1 year ago.
Dear XXXXX,

Thank you for your follow up.

If at this point you are in an adversarial position with your former insurance agent / company, unfortunately then the only way for you to obtain any records that the insurance agent or company have related to your policy or claim, is to file a lawsuit and demand all the records related to your case from the insurance police during the discovery in your lawsuit.

The only other option would be is to file a formal complaint with the Department of Insurance in your state and the state where the Insurance company is located, if you feel that the insurance company is acting illegally or in bad faith.

I wish you the best of luck!
Alex J. Esq., Attorney at Law
Category: Legal
Satisfied Customers: 12899
Experience: Experienced Licensed Attorney
Alex J. Esq. and 2 other Legal Specialists are ready to help you
Customer: replied 1 year ago.

I made the complaint to the insurance commissioner, they "ordered" this company to comply however when the company, as well as agent failed to comply the insurance commissioner e-mailed me back saying he has no actual authority to enforce the public disclosure laws, and I was out of luck.


 


Thank you for your time, if you have any suggested resources to help me I am a combat veteran who may have lost my job over this as I have exceeded absences at work for medical treatment. Perhaps I will wait until I have enough evidence to take legal action once I am finished with my medical stuff its just too bad that it has to come to this when I trusted them for ten years... Thanks for the honesty though I will give you a good rating.

Expert:  Alex J. Esq. replied 1 year ago.
Dear Jerry,

Thank you for your follow up.

Unfortunately, legal action might be the only way to obtain information that you are seeking and also I would suggest that you do consider consulting with the local personal injury attorney to evaluate your case for potential lawsuit.

I do wish you the best of luck and want to thank you for your brave service to our great country!

JustAnswer in the News:

 
 
 
Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.
 
 
 

What Customers are Saying:

 
 
 
  • Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises! Gary B. Edmond, OK
< Last | Next >
  • Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises! Gary B. Edmond, OK
  • My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer. Eric Redwood City, CA
  • I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight. Michael Wichita, KS
  • PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent. Three H. Houston, TX
  • Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!! Elaine Atlanta, GA
  • It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem. Tony Apopka, FL
  • Not only did he answer my Michigan divorce question but was also able to help me out with it, too. I have since won my legal case on this matter and thank you so much for it. Lee Michigan
 
 
 

Meet The Experts:

 
 
 
  • Tina

    Lawyer

    Satisfied Customers:

    8436
    JD, BBA Over 25 years legal and business experience.
< Last | Next >
  • http://ww2.justanswer.com/uploads/MU/multistatelaw/2011-11-27_173951_Tinaglamourshotworkglow102011.64x64.jpg Tina's Avatar

    Tina

    Lawyer

    Satisfied Customers:

    8436
    JD, BBA Over 25 years legal and business experience.
  • http://ww2.justanswer.com/uploads/RA/ratioscripta/2012-6-13_2955_foto3.64x64.jpg Ely's Avatar

    Ely

    Counselor at Law

    Satisfied Customers:

    19941
    Private practice with focus on family, criminal, PI, consumer protection, and business consultation.
  • http://ww2.justanswer.com/uploads/FL/FLAandNYLawyer/2012-1-27_14349_3Fotolia25855429M.64x64.jpg FiveStarLaw's Avatar

    FiveStarLaw

    Attorney

    Satisfied Customers:

    8189
    25 years of experience helping people like you.
  • http://ww2.justanswer.com/uploads/jespoag/2008-12-17_222355_jessepic.jpg JPEsq's Avatar

    JPEsq

    Attorney

    Satisfied Customers:

    2132
    Experience as general attorney, in house counsel, SSDI, Family Law attorney, and law professor
  • http://ww2.justanswer.com/uploads/gsenmartin/2008-04-22_214950_me1.jpg Guillermo J. Senmartin, Esq.'s Avatar

    Guillermo J. Senmartin, Esq.

    Attorney

    Satisfied Customers:

    110
    7+ years of experience handling various legal matters.
  • http://ww2.justanswer.com/uploads/PA/PaulmoJD/2013-10-10_195858_JAImage.64x64.jpg Law Educator, Esq.'s Avatar

    Law Educator, Esq.

    Attorney

    Satisfied Customers:

    31621
    JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law
  • http://ww2.justanswer.com/uploads/dkaplun/2009-05-17_173121_headshot_1_2.jpg Dimitry K., Esq.'s Avatar

    Dimitry K., Esq.

    Attorney

    Satisfied Customers:

    15975
    Multiple jurisdictions, specialize in business/contract disputes, estate creation and administration.