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Recent Liability Insurance questions

I purchaseda project bike from rancho cycle and chevy for

Hi I purchaseda project bike from rancho cycle and chevy for 1500.00 I was told by the salesman Troy that all the bike needed was a oil pan and some minor cosemetics (ie) fairing kit. Upon taking it to the motorcycle shop that I reffered to by troy I was notified that the bike should not have been sold to me but parted out due to it being a safety hazard. The frame is cracked and there is bolts form a motor vehicle on the bike it is un operatable. I asked the alses man and the office manager whom when brought to his attention said he was not the office manager. I asked how to rectify this isue from my hard earned money and I was told that it was abuiler bike and that he will sell me a frame for $700 more dollars and I said no that is not the case the bike is no good you sold me a un operatable motorcycle. The manager Nick then said I can give you a frame that still does not do any good. I asked for full refund of $1500.00 to put towards a good running motorcycle not even asking for the $ I put into it. I asked what was the corporation info and the office manager said to send it there and they will forward it! also I asked about their liability insurance carrier he then walked away. what do I do just be out of $1600. dollarsJA: What state is this in? And just to clarify, when was the purchase made?Customer: California, I purchased the bike in mid june.JA: Has anything been filed or reported?Customer: no not yet . what do I need to doJA: Anything else you want the lawyer to know before I connect you?Customer: no

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Gerald, Esq

Juris Doctor

5,302 satisfied customers
I don't understand when exactly do I need to give notice of

I don't understand when exactly do I need to give notice of leaving my apartment. My lease ended August 31st 2016 and I'm still in the unit but I want to move out beginning October.I want to make sure I'm not breaking the lease. To take into consideration:-I did not receive a written notice that I could stay,but the landlord kept accepting my rent payment (always on time by direct deposit)I had to pay for renters insurance directly to the Property Managemetn and never received any document regarding my insurance. I have been told that I need to pay again yearly insurance which I haven't done yet, because I want to move out and because I think the insurance wasn't handled correctly.The lease states the following:Absent some written agreement with Owner granting Renter additional occupancy time, Renter shall vacate the Premises at the expiration of the lease term without further notice or demand from Owner. If Tenant intends to vacate the Premises at the end of the lease, Tenant shall give Owner written notice of that fact at least 30 days before the end of the lease. Tenant shall be liable to pay all rent due through the later of : (a) the end of the lease term, or (b) 30 days from the service on the Owner of Renter's notice, or (c) the date renter vacates the Premises.(d) Expiration/Holdover/Death-NoticeRenter shall vacate the Premises upon expiration of the term of the lease without notice to vacate from Owner being required. Any holdover without Owner's consent shall be deemed a trespass and damages shall accrue at a daily charge equal to twice the pro-rated monthly Lease rent. A holdover with owner's written consent unless otherwise agreed, shall be a month-to-month tenancy subject to all covenants, and conditions of the Lease. A thirty day notice from Renter is required to terminate any such holdover tenancy. Renter's death shall not terminate any remaining rental obligation for the balance of the Lease-term but Owner, at Owner's option, may take possession of the Premises and re-rent them to mitigate any damages.In consideration of this rental, Renter shall obtain and pay for any insurance coverage necessary to protect Renter from any loss or expense due to personal injury or property damage, including but not limited to that caused by any act or omission of any party, including Owner or co-tenants, criminal act, war, riot, insurrection, fire or act of God. The amount of monetary damage caused to Owner by renter's breach of this agreement shall be deemed to be an amount equal to the amount of any loss sustained by renter by any such act or event and shall offset any claim by Renter against Owner. Tenant(s) agree to accept financial responsibility for any damage to the premises from fire or casualty caused by Tenants' negligence. Tenants agree to carry a standard renter's insurance policy.(a) Tenant(s) agree not to make any claims against Owner and will hold Owner harmless therefrom for any loss or damage to any personal property belonging to Tenant(s) or any of their guests or occupants or for any injuries to Tenant(s) or any of their guests or occupants and not to make any repairs at the expenseof Owner. Tenant(s) shall be responsible for obtaining insurance to protect against any such loss or damage.(b) Tenant(s) insurance shall contain a minimum of $300,000 General Liability Insurance.(c) Tenant(s) shall have the Owner and Rohcs Property Management Co. named as Additional Insureds.(d) Any use of Tenant(s) of the Owner's storage or garage / parking facilities shall be at the Tenant(s) risk and Owner shall not be responsible for any loss or damage.

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CalAttorney2

Attorney

Doctoral Degree

20,178 satisfied customers
This is a question regarding liability of injury on my

This is a question regarding liability of injury on my property. My adult daughter was visiting us and was bitten by a rattle snake as she walked out my front door. She was treated emergently with antivenin and released from the hospital. After six days she is not able to fully bear weight on that foot. She is a waitress and a Graduate student and living independently. The foot ankle and calf looks pretty good but also pretty bad. Like a crush injury, We are not sure when she can work again. We called our home insurance company and the claims adjuster said yes indeed she was a visitor and our 5000.00 medical coverage would be activated on her behalf. But then I started thinking of her inability to work, her rent. car payment., utilities and her tuition and I called the adjuster back and about asked about our 100,000.00 liability insurance. Would this kick in for loss wages. He said no because a snake bite is an unexpected act from nature and showed no negligence from the property owner. But I think I may have been negligent. I have scruffy thicket of Russian sage at my front door. I have been feeding the birds against my HOA request. we recently noticed mice in our yard and put out poison. Rodents attract snakes. Snakes can hide in a thicket. I live across the street from an area of open desert land. I have rocks holding down the rug on my threshold area. What advice would you give me. I think I have liability insurance to cover such thing ( my 24 yr daughter has health insurance through me) with a 1500.00 deductible. I think she should every penny of health insurance to get well. But if this were my UPS guy who had a family to feed from his wages I would still think the same. My liability insurance should kick in. How do you suggest we proceed.

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112 satisfied customers
If I rent a business space in a building that has a basement

If I rent a business space in a building that has a basement and the landlord won't let me have a key in case of bad weather, is that legal?

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Thomas Swartz

Attorney

Juris Doctor

2,690 satisfied customers
My car caught fire & damaged. No Insurance claim since I

My car caught fire & damaged. No Insurance claim since I only have liability insurance. My mechanic changed the catalytic converter on Wed (8/31) but I picked up the car on Friday am and drove at night for a long weekend with my children and a friend. An hour after driving, there was a rotten egg smell and when my son googled the cause, it stated from the catalytic converter but we thought that it's because it was just installed. A motorist flagged us and screaming that our car was on fire. My other son who was driving pulled over quickly and we immediately got out of the car and called 911. We were not able to take anything with us out of the car besides my bag and cellphones that my kids were carrying. Everything else was burnt. I was advised to go to small claims court. But should I go back to the mechanic and tell him? I've been going to this mechanic for years and I am torn of what to do. Will the repairs be refunded? Can I claim property damages? My car was a 2005 Chrysler Pacifica with 185k miles. I know that the value is not much and I considered it a loss. Thank you for your help and advise

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Alex J. Esq.

Managing Attorney

Doctoral Degree

22,106 satisfied customers
I own an apartment building an I'm wondering if I need to

I own an apartment building an I'm wondering if I need to cover my handyman & janitor with workman's compensation and/ or liability insurance.The janitor works 1 day a week for an hour and the handyman comes whenever there'sa repair (not regular hours).How do I protect myself from any liability incurred or if they're injured ?

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Dwayne B.

Juris Doctor

35,762 satisfied customers
I was in an accident in my dads car which is paid for. He

I was in an accident in my dads car which is paid for. He has liability insurance only. I found out after the fact I am excluded from his policy, so I am responsible for damage to other drivers car. If i cant pay it all up front and their insurance company sues me: once they obtain a judgement, can I arrange to make payments on judgement?

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Loren

Juris Doctor

37,126 satisfied customers
We got a letter from a lawyer claiming that a women was bit

we got a letter from a lawyer claiming that a women was bit by a dog while walking by our rental property. we spoke to our tenants that own the dog and they said that they walked past her on a street behind our house and she was never touched by the dog that was on a leash at the time, they were returning from a walk. there have been no previous issues with the tenants or the dog and they have been good renters for the past 18 months. there is no police report, but the city came to check on the health of the dog 2 weeks later. Are we liable?JA: Because real estate law varies from place to place, can you tell me what state this is in?Customer: PAJA: Has anything been filed or reported?Customer: with the police? no. the women must have called the city at some point.JA: Anything else you want the lawyer to know before I connect you?Customer: the tenant said that no one else was on the street at the time so they have no witnesses

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Loren

Juris Doctor

37,126 satisfied customers
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.

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LegalKnowledge

Juris Doctor

30,462 satisfied customers
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