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Recent Liability Insurance questions

I need help to even find the right way to defend myself.

Hi, good evening,I need help to even find the right way to defend myself.Over a year ago a rear ended a car with about 5-8 miles/hr speed. The ambulance was on scene to my 7 yrs old son, only he got injured (bruises on his neck from the seat belt, the police decided to call them, no treatment was necessary at all, so he did not get any). The ambulance personnel walked around, talked to every participant, no one was injured. I personally talked to everybody (the other driver and his passenger, hand shaking, etc for like an hr).I did not even get ticket, or any written warning.Now 14 months later the other car's passenger's lawyer says we can settle at $25,000, because this passenger went to chiropractor several times, went to physical therapy series, bought a brand new mattress, etc.Please help me, what can I do.

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Roger

Litigation Attorney

Doctoral Degree

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I need a second option. I opened a blog on my life living

I need a second option.I opened a blog for awareness on my life living with Fibromyalgia. I am going to start selling apparel on my website. My question is, what is the best way for me to incorporate my new venture. I've read that a nonprofit is never really own by one person it's actually never owned by anyone. It's managed by the board members, etc. The funds I use to open this venture with never be recuperated because it will stay on the nonprofit or donated to another nonprofit is dissolved.This is a story on my life and I obviously want to make money. I eventually want to open a non-profit. To provide services for the fibro community, help with grants to pay for treatments or medication, help with support groups and a support hotline, raise awareness and funds to help with research etc. But, I have already opened my blog and started branding my name and myself, just haven't incorporated yet because I'm not sure which way to go. Thank you.

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Gerald, Esq

Juris Doctor

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I was in a car accident. A minor one - roughly $1500 in

I was in a car accident. A minor one - roughly $1500 in damage. I was driving on a side street when a driver pulled out of his driveway and hit the front driver's fender and wheel. I am a 27 year single mom and I had my two young children in the car. The driver, a older bigger male, jumped out of his car and proceeded to yell at me. He asked why i didn't see him ( I should have asked him the same question but was too afraid). I said I did not know I was looking at my speedometer. That is what went into the police report. To the point; I only have liability insurance and his insurance company is refusing to pay out. My thought is that he hit me as I was driving down the street? I do not believe this is a fair settlement, and my insurance company is not willing to help since I do not have collision. Any advice?

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Marsha411JD

Doctoral Degree

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I was rear ended and the damage to my car is approximately

I was rear ended and the damage to my car is approximately $3,400. My car is only worth $2,800. I was not found to be at fault in this accident, but I am horrified to find out that his insurance company will not pay to have the damages repaired to my car because the damages far exceeds the value. Is this even okay? I am a college student working full time and I do not have the resources to incur a car payment at this time. Mechanically, my car seems fine - it's just the rear bumper, gas cap and rear right taillight that are all damaged. The accident occurred in Omaha, NE and we both have liability insurance. Thank you!

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P. Simmons

Attorney

Doctoral Degree

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I own an S-Corp business and am private labeling a few

Hello,I own an S-Corp business and am private labeling a few products under my own name. I do not manufacture these products myself, I simply have the manufacturer apply my product label for resale. I am currently private labeling a handmade soap line and a water bottle line. I am wondering if I am legally responsible if a customer has a bad reaction to the soap or injures themselves on the water bottle. Who holds the liability with these products? The manufacturer or myself?

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Gerald, Esq

Juris Doctor

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4,904 satisfied customers
My landlord is charging me place insurance because they want

My landlord is charging me for forced place insurance because they want to see their Apartment Complex' name and PO box address in the Declaration Page as the interested party. On the current declaration page it specifies the apartment # ***** the address as the insured property. I've contacted my insurance carrier and they said that this type of matter should be between landlord and them. However in the meantime, the landlord refuses to drop the forced place insurance that they are charging. Is this legal?

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Loren

Juris Doctor

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35,432 satisfied customers
If you are on your way to work around 4:30 in the morning

If you are on your way to work around 4:30 in the morning and someone horse run into your vehicle, causing you to have a reck totaling your vehicle is the owner response for the damage?

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Delta-Lawyer

Doctoral Degree

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6,072 satisfied customers
I want to open a company which will provide food delivery

I want to open a company which will provide food delivery service from different restaurants via app. The drivers will be independent contractors, which will operate their own vehicles with their own insurance. My question is, do i have to carry some type of insurance and what, for my own protection. Can i be liable if anything happens? My app will be similar to Uber Eats. I'm in Florida.Thanks!

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Albert Marmero

Juris Doctorate

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302 satisfied customers
My contractor has a current policy insurance insurance that

My contractor has a current policy for liability insurance insurance that has a million dollar coverage for each occurrence. He has agreed that the workmanship is poor and needs addressing. They basically destroyed in the interior of my home, electrical, floors etc...He has broken some laws in doing so. Been legally deceptive. I have been trying to work with him but in the end he is not wanting to fix ALL the work,just part of the damages. I am well within the time frame to file a lawsuit. We live in louisiana. The contractor, who I thought was very honest, I now know he has lied about many things, perhaps false reports and fraud. With all that said, he wrote me a letter and said he has NO insurance. I confirmed the policy was up to date, but he wrote back he has no E & O coverage ? so he says, no insurance ! What is an E & O policy ? and what would it exclude if I have a claim ? Thank you..Terri

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Roger

Litigation Attorney

Doctoral Degree

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33,150 satisfied customers
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