Family Law

Family Law Questions? Ask a Family Lawyer Online.

Ask a Lawyer,
Get an Answer ASAP!

Family Law
This answer was rated:

Hi Paul! I have asked you a question before. Here is my new

question: I read a blog about...
Hi Paul! I have asked you a question before. Here is my new question:

I read a blog about insurance, car insurance in particular. It forwards ideas, concepts that seeks to "change" the car insurance industry as we know it today. The blog's site is: http://theinsurancecrusader.com.

I plan to join this blogger's "crusade," but before I spend time and possibly money, I'd want to know a lawyer's (such as you) opinion as to the feasibility and potential, if any, of the ideas, concepts. being forwarded. Please read the article in the blog I mentioned above including a few relevant comments which the author replied to, and tell me what you think.

Thank you,

Leo Blanco
Show More
Show Less
Ask Your Own Family Law Question
Answered in 13 minutes by:
9/1/2012
Law Educator, Esq.
Category: Family Law
Satisfied Customers: 119,583
Experience: Experienced attorney: Family law, Estate Law, SS Law etc.
Verified
First off some of what he is saying is not new and actually is being done. There are insurance companies that give customers rebates every year they are not in an accident or reduce deductibles every year they are not in an accident. As far as driver insurance, the problem is that your Mercedes and my Corolla have very different values, so why should I pay more to drive my Corolla on the odd chance that someday I may drive your Mercedes one time (facetiously, but you see the point). There are some similar concepts to this driver insurance, such as many policies would cover you on any other car you drive besides the cars on your policy. For example, if you are driving a rental car or a friend's car, your policy would cover you for doing so.

Before you invest any money here, which I wouldn't suggest, also realize that the insurance company is tightly regulated and insurance companies have to comply with both federal and state regulations on what they can and cannot do and in many cases you would not be able to change the state laws, so this guy's very nice sounding theories would not ever be able to happen. For example, forming a non-profit with a bunch of other people and pooling your money, fine you can try that one. How much are you willing to pool? Say you want to pay $500 into the pool, you would need 20,000 members just to have $10M in the pool. Now $10M sounds like a lot, but it really is not in the insurance game and many of these insurance companies actually have "reinsurance" which is a policy the insurance company has against a large loss. So what happens if you have a catastrophic event in AZ, such as a wild fire and 10,000 of the 20,000 members of your pool each lose their $30,000 car, where does that $300,000,000 come from because your pool only has $10,000,000. So in reality his alleged pool would have to be immense and the buy in could be tremendous for it to work.


I hope you found my answer helpful, but please understand that if you did not get all of the information you may have wanted PLEASE USE THE REPLY TO EXPERT LINK IF YOU HAVE FOLLOW UP QUESTIONS AND NOT THE FEEDBACK BUTTON FOR BAD SERVICE. PLEASE CLICK ON “OK,” “GOOD” or “EXCELLENT” SERVICE. Kindly remember to ONLY rate my answer when you are fully satisfied. If you feel the need to rate anything less than OK, please stop and reply to me via the or REPLY TO EXPERT button with whatever issue or clarification you may need.

I truly aim to please you as a customer, but please keep in mind that I do not know what you already know or don't know, or with what you need help, unless you tell me. Please consider that I am answering the question or question that is posed in your posting based upon my reading of your post and sometimes misunderstandings can occur. If I did not answer the question you thought you were asking, please respond with the specific question you wanted answered.

Also remember, sometimes the law does not support what we want it to support, but that is not the fault of the person answering the question, so please be courteous.

PLEASE NOTE WELL, LEGAL ANSWERS TAKE MORE THAN “MINUTES” TO PUT TOGETHER AS WE ARE DEALING WITH LAWS OF 50 STATES PLUS FEDERAL LAWS, AS WELL AS DEALING WITH OTHER CUSTOMERS, SO PLEASE BE PATIENT IT WILL BE MORE THAN “MINUTES” IN SOME CASES BEFORE YOU GET A RESPONSE, BUT BE ASSURED YOU ARE NOT BEING IGNORED.

There can also be a delay of an hour or more in between my answers because I may be helping other customers or taking a break.

You can always request me through my profile at http://www.justanswer.com/law/expert-paulmjd/ or beginning your question with “For PaulMJD…”

Ask Your Own Family Law Question
Customer reply replied 5 years ago

Hi Paul, thanks for your answer.


 


I have discussed over and over, argued back and forth with the author of the blog and so I thoroughly understood where he is coming from.


 


There are some points in your answer I would like to argue a bit further. For instance, rebates. Yes there are some companies that give rebates when you have no accident in the year. But once you get into an accident, they raise your premium, right? So they're taking it back! But this guy is not talking about rebates - he is talking about getting your money back after your driving life is over; meaning at age 70, 80, 90 or for some other reason you can no longer drive and you have money left in the pot (your individual account).


 


One other point is about the Mercedes vs. Corolla. I see your point there. But the guy (I should refer to him as the "crusader") had specifically said that your premium will be based only on one car, which is the most expensive car. If you have other cars no matter how many but of lesser value, you don't pay a cent of premium on those because his idea is "driver insurance," not car insurance. Yes you may be driving your friend's Mercedes one day, but that is between friends to talk about since "driver insurance" is individual insurance in nature. However, as I understand it, in terms of liability, the "Organization" works in exactly the same way as a conventional insurance company today. As for a car rental company, they should ask the renter what his liability coverage is and they'd match that with a car that does not exceed in value.


 


I can't help but say that a "catastrophic event" like you mentioned is a bit of pessimistic view. Of course anything can happen. But suppose that kind of event happens, wouldn't these companies we are dealing with today suffer the same calamity that would force them to declare bankruptcy thereby avoiding payments to their policyholders?


 


Now let me take the opposite view. Suppose the "organization" survives the first year and up to the tenth year with only minor claims from less than one percent of the members, don't you think the crusader's concept would work? Suppose again, that the membership doubled, tripled or even hundredfold; don't you think the government would pay attention to this guy? I suspect though that this crusader is thinking of a government subsidy to start his organization. Perhaps it's a pipe dream! But with technology today, anything can happen too. Look at Facebook - it spread like wildfire all over the world even though there was no monetary benefit in being a member of it.


 


Well anyway, I'm not overly optimistic about this but I sure like the idea of getting back my money when I can't drive anymore. However, by the time this idea would see light, if ever, I'd be a dead ball.


 


I won't expect any more elaboration from you but if you do, I will appreciate it.


 


Thanks again,


 


Leo Blanco

I am not denying that any of these things do not sound like a good idea, but what this guy wants to do has to be approved by the insurance commissioners in each state as well. Keep that in mind. If he is not approved by the various states, this does not count as insurance as far as the state is concerned for mandatory insurance coverage. What he is talking about is not much different than a self insurance type bond, but the problem is this "group" will have to be bonded and licensed to be approved by each state.

As far as the catastrophic issue, ask the people of Louisiana, Missouri, Alabama, MS and even California and Arizona and Nevada where between floods, tornadoes and wild fires there was catastrophic loss and it seems to be happening with much more frequency in the last several years and you have to be prepared for that and the insurance companies in existence, like I said, have special "reinsurance" where they are covered in these types of catastrophic events with the other reinsurance company picking up the payment.

States are very vigilant on insurance issues to where they will make sure a company is financially sound or has a bond to prevent them from going bankrupt.

The crusader's ideas are very good in theory and I am not saying they are wrong and they could work if he is properly regulated and licensed in the state.
Law Educator, Esq.
Category: Family Law
Satisfied Customers: 119,583
Experience: Experienced attorney: Family law, Estate Law, SS Law etc.
Verified
Law Educator, Esq. and 87 other Family Law Specialists are ready to help you
Ask your own question now
Customer reply replied 5 years ago

Paul, I am quite satisfied with your answers so I want to give you a bonus of $25 to be taken from my account balance.


 


By the way, my question was not about family law but rather insurance law as you have seen. But there was no insurance law category in the list. Anyway I might be coming back in the future with more questions on this subject and I would like to introduce you to the author of the blog we are discussing. Thanks again.


 


Leo

Thank you very much that is much appreciated.

That would be great, we would love to have you as a return customer.
Ask Your Own Family Law Question
Ask Law Educator, Esq. Your Own Question
Law Educator, Esq.
Law Educator, Esq.
Law Educator, Esq., Lawyer
Category: Family Law
Satisfied Customers: 119,583
119,583 Satisfied Customers
Experience: Experienced attorney: Family law, Estate Law, SS Law etc.

Law Educator, Esq. is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

Not only did he answer my Michigan divorce question but was also able to help me out with it, too. I have since won my legal case on this matter and thank you so much for it.

LeeMichigan

Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises!

Gary B.Edmond, OK

My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer.

EricRedwood City, CA

I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight.

MichaelWichita, KS

PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent.

Three H.Houston, TX

Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!!

ElaineAtlanta, GA

It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem.

TonyApopka, FL

< Previous | Next >

Meet the Experts:

Ely

Ely

Counselor at Law

11,844 satisfied customers

Private practice with focus on family, criminal, PI, consumer protection, and business consultation.

LawTalk

LawTalk

Attorney and Counselor at Law

9,025 satisfied customers

30 years legal experience. I remain current in Family Law through regular continuing education.

Dimitry K., Esq.

Dimitry K., Esq.

Attorney

7,856 satisfied customers

I provide family and divorce law advice to my clients in my firm.

Tina

Tina

Lawyer

6,562 satisfied customers

JD, 17 years legal experience including family law

P. Simmons

P. Simmons

Lawyer

3,360 satisfied customers

16 yrs. of experience including family law.

Barrister

Barrister

Lawyer

3,346 satisfied customers

Attorney with 17 years experience

RobertJDFL

RobertJDFL

Lawyer

2,754 satisfied customers

Experienced in multiple areas of the law.

< Previous | Next >

Related Family Law Questions
Custody - Family Law question. I am the father of a 7 year
Custody - Family Law question.I am the father of a 7 year old, I had full custody til Aug 2015 then 60 % til July 2017 and now we are in the court system again. My daughters mother is and addicted, al… read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
5,959 satisfied customers
This is about attorney fees award in family law, California,
This is about attorney fees award in family law, California … read more
lucy7368
lucy7368
Juris Doctor
763 satisfied customers
This is a Family Law question. My "spouse" moved to Arizona
This is a Family Law question. My "spouse" moved to Arizona from Florida almost a year ago and will not allow me to see my daughter. That's right I haven't held her in a year. There is no custody agre… read more
lucy7368
lucy7368
Juris Doctor
763 satisfied customers
I have a question for an immigration and family law attorney
I have a question for an immigration and family law attorney in reference to taking my newborn baby to China for one year to stay with her grandparents. Details: My daughter's mother is from China and… read more
Expert James
Expert James
Doctoral Degree
11,541 satisfied customers
Family law. Florida. A few. My questions are pertaining to a
My questions are pertaining to a D.V filed against me.… read more
Law Educator, Esq.
Law Educator, Esq.
Lawyer
119,583 satisfied customers
My question pertains to family law. After filing with the
Hello. my question pertains to family law. After filing with the state and receiving child support , father ask us to move in . what is the statue of time frame or does he go back to stop child suppor… read more
LegalGems
LegalGems
Juris Doctorate
10,196 satisfied customers
The is a family law question for the state of. We have a
The is a family law question for the state of Virginia. We have a court date to set the spousal support amount in November. How long do you have to be separated in the state of Virginia before you can… read more
Ray
Ray
Lawyer
Doctoral Degree
30,244 satisfied customers
Family law attorney with international divorce expertise(
Second opinion] This question is for a family law attorney with international divorce expertise( not an immigration attorney)I married my wife in a South American country 15 years ago and sponsored he… read more
Ray
Ray
Lawyer
Doctoral Degree
30,244 satisfied customers
This is a colorado family law question. Is there any risk
This is a colorado family law question. Is there any risk associated with paying my wife out of the house prior to submitting documents to a court for a divorce decree?My wife needs the money; I offer… read more
Phillips Esq.
Phillips Esq.
Attorney
Juris Doctor
17,996 satisfied customers
Looking for some family law child support counsel.
Hello. Looking for some family law child support counsel … read more
Ray
Ray
Lawyer
Doctoral Degree
30,244 satisfied customers
In Arizona with regard to a family law case (Divorce) if
In Arizona with regard to a family law case (Divorce) if there is a property award that should not have occurred because the property is seperate non communal (Gift) and I have filed a notice of appea… read more
socrateaser
socrateaser
1,031 satisfied customers
I have questions Regarding family law. California with an
I have questions Regarding family law JA: Family law varies by state. What state are you in? Customer: California with an open court order JA: Have you talked to a lawyer yet? Customer: I have previou… read more
LegalKnowledge
LegalKnowledge
Juris Doctor
27,495 satisfied customers
I'm in a very corrupt arbitration in family law in NJ. The
i'm in a very corrupt arbitration in family law in NJ. The arbitrator is mysteriously trying to rush everything through denying me the adjournment i am legally entitled to without any question and ref… read more
INFOLAWYER
INFOLAWYER
Partner
Doctoral Degree
55,474 satisfied customers
Family Law Question for NJ. My Granddaughter was removed by
Family Law Question for NJ. My Granddaughter was removed by CPS In NJ. Has nothing to do with me. I'm a certified foster parent in Florida. I have an open docket for custody from April . We had one he… read more
Ray
Ray
Lawyer
Doctoral Degree
30,244 satisfied customers
I'm trying to click on family law and it will not allow me-
I'm trying to click on family law and it will not allow me- I just have a general question...could you answer that? … read more
Law Educator, Esq.
Law Educator, Esq.
Lawyer
119,583 satisfied customers
Not sure this is family law, but... Our mother is in the
Not sure this is family law, but... Our mother is in the hospital and is not able to care for herself, speak, etc. and the doctor has given us a document stating this so that we can file to be her con… read more
Lawyer Lori
Lawyer Lori
Attorney
JD - Attorney
187 satisfied customers
Again. isn't there any sanction/consequence for a family law
hey, again. isn't there any sanction/consequence for a family law opposing counsel who uses totally false/inflated child support worksheet numbers totally different than what I gave him? I am pro se. … read more
lucy7368
lucy7368
Juris Doctor
763 satisfied customers
Are you experienced with family law? And international
Are you experienced with family law? And international cases? … read more
S. Kincaid
S. Kincaid
Doctoral Degree
2,353 satisfied customers

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).

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).

Show MoreShow Less

Ask Your Question

x