Our son lives in Morgantown. He used my husband's 2005 Jeep
Our son lives in Morgantown. He used my husband's 2005 Jeep throughout college and is now a permanent resident in WV. The car is still registered to my husband in NJ. We want him to transfer the title to our son. My husband plans to send the title, indicating "gift" on the back, so that he can transfer the title to WV and in his name. There is a legal issue with his license - can he register the car anyway, while waiting for his license? (We just moved to FL and are canceling our NJ auto insurance, so he will be without any until his issue is resolved. He does not plan to drive the car until then.) Thanks.JA: What state is this in? And how old is the car?Customer: West Virginia, car is 11 years old.JA: Have you talked to a lawyer yet?Customer: Not regarding our "shaking him loose" off of our liability. He had a DUI from 2 years ago, and is still waiting for reinstatement of his license. He hired a lawyer at that time, and I believe that as a first offense, some of the record of that (though I am not sure about that) is expunged... We want him to do the waiting and handling of that, but want to properly remove this car from my husband's name.JA: Anything else you think the lawyer should know?Customer: I've read that while a driver may think that all is "well" because no nasty letters arrive and the criminal record is "smoothed over" somewhat, it does not mean the DMV is on board with anything. We don't know if that is because his license was from NJ, while the ticket was in WV, or what...He walks to work, but clearly needs to move forward with his life.
I wanted to guarantee a car loan at a dealership for my
I wanted to guarantee a car loan at a dealership for my married daughter to get 0%. I now find that I'm listed as a co- owner of the car. She has $100-$300 liability insurance. I never drive the car, but do I need to include her car on my auto insurance?JA: What state is this in? And how old is the car?Customer: Texas and 2015JA: Have you talked to a lawyer yet?Customer: noJA: Anything else you think the lawyer should know?Customer: Not that I know of.
A clerk at my Term Disability company, UNUM, began harassing
Hello, a clerk at my Long Term Disability company, UNUM, began harassing me in 2009 about $ sent to me by my auto insurance company American National Property and Casuality for 3 auto accidents which occurred between December 24, 2006 and 2009. All monies were either for the damages that I paid to the repair service provider with a Pain and Suffering on the 2006 accident. They claimed that they should have received those payments and began by withholding 6 months of my full benefits and they continue to keep almost $90 per month to date....they reported these payments as Income to the IRS and they've hounded us ever since, keeping our tax returns every year and charging us Interest and large fees along the way....they've also taken money out of our bank accounts over the years.I sent every receipt to Keira, the clerk....who NEVER entered them into their system as received.....because of her actions it forced us to have to file Bankruptcy in September 2010, we lost our home and our Credit rating....and have suffered because of her actions. This year I found the Tax Code 104 (a)(2) which uses my situation as an example....any Monies received for damages and/or Pain and Suffering is NOT considered Income.I need help to get every dime back, fix the issue with the IRS and the Ca State tax board, who've just jumped on the bandwagon this year.I've tried over and over again to deal with UNUM and have been called every name in the book....they've been extremely rude and hurtful to our lives....My husband and I are now both disabled and we need our $ to live.I believe that UNUM should have to fix what they did and get restitution for it....Damages and Pain and Suffering settlement from them......Can you help?
My son was house sitting for a couple. He had done this
My son was house sitting for a couple . He had done this before and the wife told him that he could drive their 2011 Polaris Ranger at that time setting a precedent. This time while house seeking he was driving the same 2011 Polaris and he flipped it on its side doing damage. The husband is furious and wants a brand new 2016 Polaris worth app $12,500 THe repair cost of the 2011 is app $3,000. We offered to fix the 2011 Polaris. We meet face to face and the husband appeared to be drinking before we got there and was extremely harsh and rough on my son. SAying he had contacted the police and going a arrest made for stealing his vehicle, Grand larceny as he quoted. I would appreciate as the legally what is right and probable in this case.
I am a resident of Illinois, I got my first speeding ticket
I am a resident of Illinois, I got my first speeding ticket in New York, and I am moving to California. How will the points associated with this ticket translate from one state to the next? Is there a way I can reduce or prevent points from being on my record without going back to New York?JA: Have you talked to a lawyer yet?Customer: NoJA: Anything else you think the lawyer should know?Customer: I am a 23 yr old woman. The ticket was for 71 in a 55 zone and my vehicle registration had just expired (I was on my way to Illinois to renew it.). It does not appear that the officer wrote that up.
If you have an accident (you in fault) and the damage
If you have an accident (you in fault) and the damage exceeds the property damage liability limit ($ 25K) of your auto insurance coverage are you automatically liable to pay any damage in excess of that coverage ? Is there other implicit coverages one may have in the broader auto insurance that can help cover this damage ?Moreover from the point of view of consumer advocacy, if the insurance company pushes all of the damage cost to their client, isnt it contrary to the rationale of getting "insurance"... ie sharing/pooling of risks in insurance ?
I live in Hillsborough County Fl and my car is older with
I live in Hillsborough County Fl and my car is older with lots of miles. I do have auto insurance but I do not have bodily injury. I was driving with my sister and her husband the other day. We were getting ready to exit a shopping center onto a main road turning right. There was an auto stopped in front n me at the stop sign and I pulled up behind her and stopped. We were both looking to the left for an opening. I saw her slowly start moving and it looked like she was going to go with the break in traffic so I started moving. She suddenly braked and I hit her. We are both insured by the same company. I had pretty minor damage, two small dents and her auto would require a rear bumper only. I discovered today that she is claiming an injury and that I will probably hear from an attorney. I am quite beside myself because I lost my job a few months ago and quite unsure how to proceed since I have never been sued before. Also, I cannot imagine how she could have been injured because I could not have been going even 10MPH. I did telephone 911 at the time, they asked if anyone was injured, we said that we were not and when we asked her, she said she was not, so 911 operator told me to exchange all info with her.