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I work in aged care in the community and had my own car this
I work in aged care in the community and had my own car this day. My car rolled into a client's house and did damaged to my car and their house. Whose insurance should pay please … read more
Leon
Leon
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Query regarding a Life Insurance policy that my Wife and I
Query regarding a Life Insurance policy that my Wife and I have had for years with MLC ( Policy No. 16431981) We are both 73 yrs of age ( last birthday) We have been married 51 yrs and are both in goo… read more
John Melis
John Melis
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I want to hire a public Mount eliza community centre,
I want to hire a public hall Mount eliza community centre … read more
John Melis
John Melis
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Geoff here from Vermont in Victoria. I have an income
Geoff collins here from Vermont in Victoria. I have an income protection policy with TAL Life Insurance. I notified them back around Aug/Sept via email that i no longer wished to continue the policy. They sent me a "Cancellation Authority" which I duly completed and returned. … read more
Leon
Leon
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Master's Degree
50,962 satisfied customers
I have an old insurance policy which I have recently
I have an old insurance policy which I have recently discovered contains a clause which says that the policy does not apply upon reaching the age of 65 years. I had forgotten the policy and have moved homes since it was taken out. The insurance company is still taking premiums out of my bank account, even though, according to the policy document, I am not entitled to cover as I am now almost 68 years old. I have just this moment gotten off the phone with the company to cancel the policy but have been told that they've changed the policy to 99 year age limit and, therefore will not entertain a refund of premiums taken since my 65th birthday. The person said they sent me a letter and since I did not respond, they assumed I was OK with the change. Is this appropriate behaviour? … read more
Leon
Leon
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Master's Degree
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I�m in WA, my question is in relation to loading. In a
What steps have you taken so far?Customer: I have spoken to the health provider and this is the reason they have given me, my next step after this will be to speak to the ombudsman.… read more
John Melis
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I am about to renew my property insurances and find that my
I am about to renew my property insurances and find that my cover now includes things that I do not need, Eg $5000 cover for fuels and oils, Flood insurance when I live on top of a hill ! The supporti… read more
Leon
Leon
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Master's Degree
50,962 satisfied customers
My daughter's car has been written off by the insurer
My daughter's car has been written off by the insurer following an accident on Boxing day. Police were in attendance and have completely exonerated her from any liability. There is approximately 8 mon… read more
Daniel
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I am looking for a referral to an ombudsmen for an income
I am looking for a referral to an ombudsmen for an income protection claim. I am 64 years old. I was retrenched in Feb 2017. I made a claim for income protection and have received 2 payments. Since th… read more
Leon
Leon
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Master's Degree
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I was employed in February 1984 current position- Company internal
I was employed in February 1984 current position- Company internal accountant-Department manager (Accounting Department)-IT manager internal, HR-administrative duties. I maintained company financials … read more
Leon
Leon
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Master's Degree
50,962 satisfied customers
I work UK company. I wish to work remotely in australia
I work for a UK company. I wish to work remotely in australia for up to 5 months. From a UK company standpoint, if I continue to be paid in the UK by my employer would they be compliant with local pay… read more
Leon
Leon
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Master's Degree
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i want to start a business in teaching children how to cook
i want to start a business in teaching children how to cook in their own home. they will be hands on, use knifes and the stove. do I need both Public liability and Professional insurance or just the l… read more
kmslaw
kmslaw
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I was advised by a lawyer that I could use any unpaid sick leave to reimburse my employer
I was advised by a lawyer that I could use any unpaid sick leave to reimburse my employer for an overayment made to me whilst I am on work cover. The company delayed in submitting the Work Cover forms… read more
Leon
Leon
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Master's Degree
50,962 satisfied customers
hello, need some advice regarding a purchase in October 2013
hello, need some advice regarding a purchase in October 2013 of a new vehicle. When we took the car for its first service we advised the service department that the car was a bit sluggish taking off i… read more
Leon
Leon
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Master's Degree
50,962 satisfied customers
Alan ClarkeCommenced work as Part time/casual in mid June
Alan Clarke Commenced work as Part time/casual in mid June 2012. On extended sick leave from 4th of April 2013. On commencement, premium payments for Income Protection and Total/ Permanent Disability … read more
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Leon
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Good afternoon, I am a 1/3 owner of an Owners Corporation
Good afternoon, I am a 1/3 owner of an Owners Corporation housing property in Victoria. The owners corporation has arranged an insurance policy to cover the three houses. We had water damage to our ki… read more
Leon
Leon
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Master's Degree
50,962 satisfied customers
I have just turned 65 years old. I work full time & am in excellent
I have just turned 65 years old. I work full time & am in excellent health with no underlying health problems. Since I have "reached age 65" I'm no longer elegible for total & permanent disability cov… read more
Brisbane-Lawyer
Brisbane-Lawyer
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I have a debt (loan) to a company that declared themselves
I have a debt (loan) to a company that declared themselves bankrupt. They charged me a 10% insurance fee to cover any from of loss for that loan, they are now saying I am still in debt to them even th… read more
Brisbane-Lawyer
Brisbane-Lawyer
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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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