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Recent Self Insurance questions

I was involved in a car accident 2 years ago while working

I was involved in a car accident 2 years ago while working in a dealership. The accident happened on property and the impact happened at about 4-6 mph. No injuries, just minor car damage. The plaintiffs were driving the dealer's rental vehicle. I gave my statements and never heard a word about it again. This week i received a summons, The dealer and i are being sued for serious bodily injuries which is complete b.s. At the time of the accident, the dealer was under a different ownership and was self-insured. Now the dealer is owned by a different owner, is this lawsuit their problem? or should i get my own lawyer? I am 21 and have no assets so i dont know how i am going to deal with this suit.

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Alex J. Esq.

Managing Attorney

Doctoral Degree

22,474 satisfied customers
I received a subrogation letter from a law office for an

Hello! I received a subrogation letter from a law office for an accident I was in. Should I pay it, no questions asked? The bill seems pretty high ($921) for the damage I caused. I haven't been sent any info on the repairs, and was never contacted back by the insurance company even though I called several times. I would like to make this right, and do the right thing but don't want to be scammed. Thanks AllieJA: Because consumer protection law varies from place to place, can you tell me what state this is in?Customer: Sure, tennessee Also, I was on a scooter that is under the legal limit of cc's to require insurance, and thusly did not have any.JA: Has anything been filed or reported?Customer: No, the man I hit was very mean and would not let me call the police. He also tried to coerce me to his home, and his friend tried to extort me for 1000.JA: Anything else you want the lawyer to know before I connect you?Customer: No, I don't think so Thanks!

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Ray

Lawyer

Doctoral Degree

37,724 satisfied customers
I work for a company where travel is part of my job. I have

I work for a company where travel is part of my job. I have gotten into a 2nd at fault vehicle accident in 5 years and the company wants me to sign a formal last chance agreement notifying me I would be fired in case of a 3rd accident whether it is work related or not. The ticket was dropped and my license is not suspended.JA: License regulations vary from place to place, so can you tell me what state this is in?Customer: ncJA: Has anything been filed or reported?Customer: I was cited but ticket was dropped. the company is self insured and did pay the claim for damage to company vehicle and other vehicle I am hesitant to sign something that agrees to automatic termination if that waives any of my rightsJA: Anything else you want the lawyer to know before I connect you?Customer: that's all

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Asad Rahman

Attorney

J.D.

3,880 satisfied customers
If someone totals another person's car and doesn't have

If someone totals another person's car and doesn't have insurance, what can happen? This is in California

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Attorney2

Doctoral Degree

7,542 satisfied customers
Patient is on a gh deductible health insurance plan. As

Patient is on a high deductible health insurance plan. As such, patient pay for all services after insurance company is billed unless there is catastrophic illness. Patient is advised by self-insured employer to get cost in writing prior to service. Patient gives in-network provider insurance information and gets cost by email. Cost given describes service in detail and expresses patient's cost as a percentage of the uninsured cost. For example, the cost was expressed as "procedure code xyz $16 x 20% = $3". Patient is not told this is an estimate or warned that this information should not be relied on. The service is performed and the insurance company is billed. The patient receives a bill for $21. The patient also receives an explanation of benefits form from the insurance company showing a patient responsibility of $6. The provider insists on billing $21 and the patient offers only to pay $3. The provider sells bad debt of $21 to a collector. The patient offers to pay $3 to the debt collector. The collection agency sues for $21 and refuses to settle for any amount lower than $21. Question: in a trial, what amount is owed by the patient?

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Phillips Esq.

Attorney

Juris Doctor

19,436 satisfied customers
I recently left the company I had been with 4 years. I was

I recently left the company I had been with for almost 4 years. I was in sales and rented several cars for work and through a direct bill program that was mandated by my company. In early 2015 I had to make a trip to the corp office for business and our travel manager booked me with Hertz (almost always use National but a member with most rental cos). It was a drop location (unmanned) so after my trip I filled it up, noted the miles and location and dropped the keys in the box. A few days later my office called to say Hertz was filing a claim for rear bumper damage. I was not involved in any incident and shared that I drove to/from the office and hotel. We are a self insured company and aren't allowed to purchase rental insurance. A few months I was contacted by Hertz directly and shared my experience and provided them with the name/number at my company to contact. A few months later they contacted me again and I told them the same thing but they hadn't heard from us- I sent a message and left a vcmail as well. Again months went by, I assumed it was handled then it showed up on my credit report- $2200. When I called the office again and told them this they paid it- although zeroed out, it's still on my report. Does my employer have a responsibility to get more involved and get this removed?

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Alex J. Esq.

Managing Attorney

Doctoral Degree

22,474 satisfied customers
There is no sales tax in MA on Insurance however we are

There is no sales tax in MA on Insurance however we are renting out furniture and charging the rental amount and also adding a insurance waiver fee for damage or loss to the furniture. which we self insure we don't have an actual insurance policy is theinsurance waiver that we charge taxable?

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

110,820 satisfied customers
I had an emergency medical situation in Dec 2014. Since the

I had an emergency medical situation in Dec 2014. Since the day I was taken to the hospital via ambulance, I have not returned to work. For the first six months I was on STD - after six months it converted to LTD with approval for two years, at which timemy case is re-examined for continuation. Because my medical bills have been so extensive (heart surgery in May and a craniotomy in December) and I am now living on 60% of my former salary. Wanting to be budget minded and fiscally responsible, I made the decisionto sell my condo and downsize to something smaller. I applied for a loan with a mortgage broker I used previously and upon discussion of my situation, he didn't think I could be funded. It was discussed with underwriting and they requested a letter from myemployer stating that in two years time, if it were determined I could go back to work, my job would be waiting for me. No employer, however understanding they are is going to guarantee any employees employment in the future (particularly when you are "atwill"). They then said that because my LTD wasn't guaranteed for 3 years, I was denied the loan. I have an excellent credit score (767 with one reporting agency and 804 with another) and no spots on my record. I pay all my bills on time. It is my understandingunder various federal guidelines lenders are not to discriminate for loans based upon disability and there are a few routes I can take/explore, including a complaint to HUD which is overseen by the justice department, as well as filing in Federal Court (onmy own), plus I live in the state of Washington it is a violation of the rights of the disabled. I have documentation (email) of all correspondence with this mortgage broker. I did go to another lender recommended by a friend - this broker got me pre-approvedwithin 3 days and I was able to close less than four weeks from the signing of the real estate contract. This broker couldn't understand why I was denied by the other company. Do you think I have the basis of a claim? If so, what route should I go? ShouldI hire an attorney? Thank You.

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

110,820 satisfied customers
I am in NC. I ran over an 18 wheeler expelled recap on an

I am in NC. I ran over an 18 wheeler expelled recap on an interstate entrance ramp. It tore up the underside of my car. The State of NC has given me 3 points for this, and thus my insurance has increased $40 a month for the next 3 years. Can I appeal this decision and possibly have it reversed?

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

110,820 satisfied customers
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