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Recent Property Insurance questions

I have problem to find information or advice on may options

I have problem to find information or advice on may options to legally go after person who steal my car and caused painful financial damages. Person was arrested however I can not sue for restitution because Privacy Act do not allow to release the person name. Also property management insurance refused to deal with the claim.JA: Since laws vary from place to place, what state is this in? And when did this happen?Customer: I am the victim, my privacy was violated ( my car was robed including bill that compromise my ID security)JA: Has anything been filed or reported?Customer: Now if I want to pursuits my claims I have no rights at all, no support, no information's about my other options. Looks like I have to give up and swallow lost over $3000.cd. As a pensioner with fix income It is impossible to get over not to mention that for some times I experiencing banging on the door at 2,3,5 am in the morning. I am extremely stress out as my personal information's are in the thief possession and I do not know how to deal with this anymore.JA: Anything else you want the lawyer to know before I connect you?Customer: Please let me know what if any other option I can have to get justice and restitution for me.

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Attorney2

Doctoral Degree

8,528 satisfied customers
I bought an ATV a year ago. Part of the loan agreement

I bought an ATV a year ago. Part of the loan agreement required me to have insurance on the ATV. I did not have the vehicle covered the first 3 months, but since I have had full coverage on the vehicle. Now the bank that lent me the loan is requiring I pay them the cost of insurance for the 3 months I did not have it covered. However, they did not have insurance coverage for these 3 months and neither did I. Nothing in the loan documents require me to back pay them for any time it was not covered. Am I required to pay them for the 3 months? Thanks.JA: What state are you in? It matters because laws vary by location. Has anything been filed or reported?Customer: Tulsa, Oklahoma. Nothing has been filed, but they are threatening to send my claim to a debt collector.JA: Anything else you want the lawyer to know before I connect you?Customer: no.

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Loren

Juris Doctor

43,582 satisfied customers
I am an officer of a homeowners' association that deals with

I am an officer of a homeowners' association that deals with maintenance of a private unpaved road shared by all 23 members. We would like to look into the need for liability insurance over and above our personal property insurance. Is this advisable?JA: Because real estate law varies from place to place, can you tell me what state the association is in?Customer: CaliforniaJA: Has anything been filed or reported?Customer: nothing.JA: Anything else you want the lawyer to know before I connect you?Customer: We have been an association since 1979 with no suits.

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Alex J. Esq.

Managing Attorney

Doctoral Degree

22,792 satisfied customers
One of my discovery interrogatory... One... One of my

One of my discovery interrogatory... One...One of my discovery interrogatory...One of my discovery interrogatory questions asks,"Do you have liability insurance or are you aware of any other form of indemnity which you claim is applicable to this accident? _____ If the answer is yes, state:"My answer is yes for indemnity (healthinsurance) only, so how do I answerthe following:"The name of the company or companies, including any excess or umbrella carriers, which you claim provide coverage" My health insurance is Golden Rule, I'm not sure what an umbrella policy means; they are a united healthcare company. Would that be an umbrella?"a. The limit or limits of liability of each policy" How do I answer that?"b. Whether you are being defended by the insurance carrier under a reservation of rights." (I have never even heard of a reservation of rights). How do I answer that? AND"c.Whether the insurance carrier has accepted or denied coverage" They only paid some of the bills as my policy is limited & some doctors do not take golden rule. So how do I answer that?

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Lucy, Esq.

Juris Doctor

33,546 satisfied customers
My 7 pd maltese bit the u p s man on calf as he was stepping

my 7 pd maltese bit the u p s man on calf as he was stepping over my fence to leave the bite size bee sting i took pics he was not limping they took pic my license said they will contact me make sure shots are up to date i said yes then your going to sue me he said we see shot records go from there i live in 5 th wheel i have no money I'm worried can they take my trailerJA: What state is this in? And how old is the mobile home?Customer: california its 2006 5 th wheelJA: Has anything been filed or reported?Customer: it just happened todayJA: Anything else you want the lawyer to know before I connect you?Customer: yes my yard the dog can't get out the gate is nailed shut only top gate opens ........

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Marsha411JD

Doctoral Degree

19,662 satisfied customers
We just recently purchase a house under va loan, a few days

we just recently purchase a house under va loan, a few days later the after the master bath was use the ceiling of the kitchen under the master started leaking so we called the home owner warranty to fix the plumbing. The plumber came and did the inspect the problem and said before he can fix the problem that it needs to be dried. Around after a contractor arrive and said that they are one to inspect fix the damage caused by the water leak (Express dry water mitigarion). I was working at that time and my sister help them. At that time they texted me that in able for them to start the that I have to send them an approval via email and will have my sisterling sign for me so they can start on the job. After the job was done they called me and said that they are not covered by old republic (home owner warranty), and iso they that iI would have to pay out pocket. So I gave them the information about the property insurance, because I heard from the third contractor that came to my house to estimate the damage to fix the dry wall that was taken out in able too do the job needed to be done that I have to use the property insurance to cover that part of the job. Not knowing that I have a high deductible push for job to be done. This part of the story but I just want to know that if this a case or not?JA: Because real estate law varies from place to place, can you tell me what state this is in?Customer: CaliforniaJA: Has anything been filed or reported?Customer: Not yet, I don't know if this is case that I can pursue.JA: Anything else you want the lawyer to know before I connect you?Customer: I'll talk more about it in detail if this is actual issue that I can pursue

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Attorney2

Doctoral Degree

8,528 satisfied customers
Can an insurance company issue a policy, take premium

Can an insurance company issue a policy, take premium dollars, say we met eligibility on the initial application and then within a month or so cancel coverage, citing claims we had over 3 years old when the application only asked about claims in the past 3 years?

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Alex J. Esq.

Managing Attorney

Doctoral Degree

22,792 satisfied customers
I am a elderly woman in my 70's. I do not know which way to

I am a elderly woman in my 70's. I do not know which way to turn. I am being abused by the hoa board and management co where I have retired to. The front of my home badly needs fixing and they have told me if i want it fixed i have to do this myself. I pay my fees every month for them to keep up the outside of my home. I decided to get a contractor to fix my home but the board said they would take me to court if i used my contractors. I have heart problems and i am under great stress - i cant even sell my house because of the condition of the front. At hoa meetings if i ask a question i get threats of being thrown out of meeting. They say they have sent me emails - i have never received them. I requested management company to send my bank a copy of property insurance - they refused. I dont know what to do.

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

116,550 satisfied customers
We are renting a home in California. The home had some leaks

We are renting a home in California. The home had some leaks and resulted in mold in the walls. The house is currently being gutted and the mold treated. As a result we are having to stay in a hotel. We also have damage to personal property as a result of the leaks and mold. I have three questions. One, is it possible that landlords property insurance will cover the hotel and losses or personal property. Two, if not, is our only option to either have the landlord pay or sue if she can't pay (note I said can't not won't). And three, what should we do to ensure our families health has not been affected (and won't be going forward).

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Dwayne B.

Juris Doctor

37,820 satisfied customers
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