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I bought an insurance policy and one of the statements in…

Customer Question
Hello, I bought an...

Hello, I bought an insurance policy and one of the statements in the policy make me think the policy is not valid. "This policy is written by an unauthorized insurer and is not subject to the filing or approval requirements of the Alabama of insurance Such a policy may contain conditions, limitations, exclusions and different terms than a policy issued by an insurer granted a certificate authority by the Alabama Dept of Insurance. The "insurer has been approved by the Ala Dept of Ins as an eligible surpluslines insurer operating pursuant to Alabama Statute 27-10-20.

Lawyer's Assistant: Because laws vary from place to place, can you tell me what state this is in?

Scottsdale IL, Scottsdale Indemnity Co

Lawyer's Assistant: Has anything been filed or reported?

No

Submitted: 9 months ago.Category: Legal
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Answered in 2 minutes by:
9/29/2017
Lawyer: INFOLAWYER, Attorney replied 9 months ago
INFOLAWYER
INFOLAWYER, Attorney
Category: Legal
Satisfied Customers: 62,848
Experience: Licensed attorney helping individuals and businesses
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Greetings! I am a legal expert on the site and am working on your question. The policy may be valid but the insurer may be be authorized. You can void the agreement and proceed with another insurer for more peace of mind. Please let me know if the reply is acceptable by responding “yes” or “acceptable”
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Lawyer: INFOLAWYER, Attorney replied 9 months ago
Awaiting your reply, thank you!
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Customer reply replied 9 months ago
I want to keep the policy the state is AZ. But, I need a definite yes or no is the policy valid as written?
Customer reply replied 9 months ago
No, you are generalizing so, your answer is no help. Yes or no is the policy legal?
Lawyer: INFOLAWYER, Attorney replied 9 months ago
It is legal but not as secure as if issued from a registered insurer. Please let me know if the reply is acceptable by responding “yes” or “acceptable” You May also want to compare rates.
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Customer reply replied 9 months ago
I will sign off and look for assistance elsewhere. Have a blessed day! And, pray that I am not charged for this. Thanks!Ms Walton
Lawyer: INFOLAWYER, Attorney replied 9 months ago
This site is not free but you are welcome not to pay. I cannot five you specific advice as this is a general information site.
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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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