Legal

Ask a lawyer and get answers to your legal questions

Ask a Lawyer,
Get an Answer ASAP!

I have a insurance problem I have a out of pocket expense of…

Customer Question
I have a insurance...

I have a insurance problem I have a out of pocket expense of $8000.00 I have depleted all my options.They refuse to pay for my insured vehicle

Lawyer's Assistant: What state is this in? And how old is the car?

Michigan

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

All things they have asked of me I’ve done This has been on going on for months.I have sent notarized papers.talked to their attorney

Lawyer's Assistant: Anything else you want the lawyer to know before I connect you?

I have hired another attorney which I took I don’t have money and he charged me 500 now he’s asking for seven more.I don’t have that kind of money

Submitted: 4 months ago.Category: Legal
Show More
Show Less
Ask Your Own Legal Question
Answered in 5 minutes by:
12/11/2017
Lawyer: Legal Eagle, Lawyer replied 4 months ago
Legal Eagle
Legal Eagle, Lawyer
Category: Legal
Satisfied Customers: 10,210
Experience: Licensed to practice before state and federal court
Verified

Hello! I am a licensed attorney, admitted to practice in state and federal court. I have a nearly 100% satisfaction rating (click here for more info) so all that means is that you can count on me to help today.

Please keep in mind that our conversation does not include an attorney-client relationship and this is for general information purposes only. What specific questions did you have? I have an idea about your situation, but I don’t want to make any assumptions.

Ask Your Own Legal Question
Customer reply replied 4 months ago
I had my car stolen for fourth time.I was at my brothers place.All of these incidents happened at his place.When I came there that night I was ill.My granddaughter came over that morning.She was in front of the house and called from outside to see where I was .I responded I’m here she said your car isn’t.I just had gotten it back.I just didn’t want to call my insurance company again.I told them she had it.Now they don’t want to cover my claim
Lawyer: Legal Eagle, Lawyer replied 4 months ago
I'm sorry to hear about that. Did they say why they weren't covering this claim? Did you contact the police to file a police report?
Ask Your Own Legal Question
Customer reply replied 4 months ago
They said I changed my story i have sent notarized papers I haves talked to their attorney I granddaughter was the one who made police report.As I said I just didn’t want to call my insurance again I had a panic attack and just couldn’t call for a fourth time..But the car was stolen and I had insurance.My car is a 2015 Flex I have paid my premium and have my car since April.I have paid so far over 8000.00 out of pocket for rental
Lawyer: Legal Eagle, Lawyer replied 4 months ago
I understand and I'm very sorry about your situation. What other questions did you have that I may be able to help you with?
Ask Your Own Legal Question
Customer reply replied 4 months ago
What actions should I take I would love to drive my car again since I’m paying for it.
The rental car that I had was paid I by insurance company received the letter .
Lawyer: Legal Eagle, Lawyer replied 4 months ago

I would probably recommend contacting an insurance broker when you have the chance to find out who can give you insurance, compare the rates, and then go ahead and sign up with them. This way, if you end up driving the car, if you get pulled over, you won't be given a citation for driving without car insurance. What else can I help you with today?

Ask Your Own Legal Question
Customer reply replied 4 months ago
The answer you gave does not apply to my question.i told u my car is insured my issuance company is holding up my claim
Lawyer: Legal Eagle, Lawyer replied 4 months ago

Hello, I'm sorry for any confusion. So, I don't see that you said that they were holding up your claim. I'll tell you what, let me opt out of the discussion and I'll see if another expert may be able to help you unwind this a little bit better:-).

Ask Your Own Legal Question
Customer reply replied 4 months ago
Ok how long will that take
Lawyer: Dwayne B., Attorney replied 4 months ago
Dwayne B.
Dwayne B., Attorney
Category: Legal
Satisfied Customers: 34,389
Experience: Began practicing law in 1992
Verified

Hello and thank you for contacting us. This is Dwayne B. and I’m an expert here and looking forward to helping you today. I see the other expert, who is excellent, opted out so I will try to assist.

Please allow me several minutes to read your facts and type my response both initially and when you add a follow up question or add facts. Please don't ask "are you there", "where is my answer", etc., since when you post it can erase what I am working on. If we are having a conversation unless I tell you I am going offline, I will be here but I may be doing research.

Ask Your Own Legal Question
Lawyer: Dwayne B., Attorney replied 4 months ago

Can you list what all you have done, in a numbered list please, beginning with "1) Called the police", if that is the first step you took after you were informed your car was gone?

You refer to claims and notarized papers, etc. so I need a more complete timeline.

Ask Your Own Legal Question
Customer reply replied 4 months ago
I found my car stolen on 4/11/17
My car was there at 11pm
My granddaughter and I made a report to police
I called my insurance company in panic mold.I had just got my car back 2 maths
Prior
I was told I needed to give a notarized statement I did
I then had a investigator meet with me
I then agreed to meet with their lawyer
I then sent phone records for 4 maths I did
My granddaughter talked to them also they were trying to intrigate her
So I’ve been fighting this by myself my granddaughter refused to talk with them again she said enough
So that’s my situation
Lawyer: Dwayne B., Attorney replied 4 months ago

I understand now, thanks for typing that all out.

The first step for you would be to file a complaint with the state. In Michigan that agecny is the DEaprtment of Financial Services and the webpage to start a complaint is http://www.michigan.gov/difs/0,5269,7-303-12902_12907---,00.html

The only issue with the complaint to the state is that they typically don't work fast. The time varies considerably and I'm not sure how busy they would be at this time of the year. However, in your complaint be sure and advise them that the insurance company has canceled the rental car and that this is causing you great hardship with the weather and the holiday season.

You may also want to look for a different lawyer. If so, you can find a lawyer to assist you by going to www.lawyers.com and in the section for Area of Practice enter Civil Litigation or Consumer Law. Either of those will have the skill set you need. You may also consider talking to your lawyer and see if he would agree to take the remainder of the case on a % basis.

If your question has been answered then I'd offer my best wishes to you and ask that you please not forget to leave a 5 Star Positive Rating so I receive credit for my work. Also please consider clicking "BONUS" as a nice way of saying "thanks" for a job well done, although this is neither required nor expected. Of course, please feel free to ask any follow-up questions in this thread. I want to be sure all of your questions are answered.

Ask Your Own Legal Question
Customer reply replied 4 months ago
I found u guys because I’m low income the attorney that I was connected to wanted 1200 at this time I’m trying to maintain a rental car payments
Lawyer: Dwayne B., Attorney replied 4 months ago

I understand. Most attorney do these type of cases initially on a "by the hour" basis because if they do it on a % most people get mad when it's time to pay them since they lose 40% of what they recover. The amount he is charging you is not unreasonable, but I certainly understand having a problem with finances at this time of the year.

At this point the lawyer may be willing to consider it on a % basis because he can ask for attorney's fees from the insurance company as well. You usually have to file a lawsuit to get them, but that's the procedure. You can also consider going to Legal Aid but they rarely get involved in Consumer Law cases.

Filing the complaint with the state doesn't cost you anything.

Ask Your Own Legal Question
Customer reply replied 4 months ago
I got a answer this morning saying the JA couldn’t help me was that u
Lawyer: Dwayne B., Attorney replied 4 months ago

No, I didn't send it and I'm not sure why you would have gotten that. I answered all your questions above and was just waiting on the Positive Rating from you. That could be something you get before they close the question since it has been open a couple of days and hasn't been rated yet. Looking at your answer history I saw that the moderators had closed three questions before, I can't see them since they are closed but it looks like they weren't rated.

I would ask you to go ahead and issue 5 Star Positive Rating so that I receive the credit and it will also ensure that the question remains open for follow ups in the future if you think of them.

Ask Your Own Legal Question
Customer reply replied 4 months ago
I did rate it yesterday I have scolded down I don’t see it.No problem I do that
Lawyer: Dwayne B., Attorney replied 4 months ago

Thank you very much.

Ask Your Own Legal Question
Was this answer helpful?
Ask Dwayne B. Your Own Question
Dwayne B.
Dwayne B.
Dwayne B., Attorney
Category: Legal
Satisfied Customers: 34,389
34,389 Satisfied Customers
Experience: Began practicing law in 1992

Dwayne B. 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:

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

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

< Previous | Next >

Meet the Experts:

Tina

Tina

Lawyer

8,775 satisfied customers

JD, BBA Over 25 years legal and business experience.

Ely

Ely

Counselor at Law

24,353 satisfied customers

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

INFOLAWYER

INFOLAWYER

Attorney

20,727 satisfied customers

Licensed attorney helping individuals and businesses

JPEsq

JPEsq

Attorney

2,132 satisfied customers

Experience as general attorney, in house counsel, SSDI, Family Law attorney, and law professor

Law Educator, Esq.

Law Educator, Esq.

Attorney

42,358 satisfied customers

JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law

Ellen

Ellen

Lawyer, Consultant

8,238 satisfied customers

25 years of experience helping people like you.

Guillermo J. Senmartin, Esq.

Guillermo J. Senmartin, Esq.

Attorney

292 satisfied customers

7+ years of experience handling various legal matters.

< Previous | Next >

Related Legal Questions
Can I file a writ of mandamus myself in federal court.
Can I file a writ of mandamus myself in federal court … read more
Ely
Ely
Counselor at Law
Juris Doctor
24,353 satisfied customers
If a Medical premium is not paid for the last month of
If a Medical premium is not paid for the last month of coverage of a health insurance plan (the plan was terminated and is no longer enrolled in) is the premium for the last month payable /owed to the… read more
Attorney Wendy
Attorney Wendy
Member
Juris Doctorate
491 satisfied customers
When serving first amendment to a civil litigation, if the
When serving first amendment to a civil litigation, if the defendant won't open the door, is it ok to leave the paper at the doorstep or mailbox?… read more
Michael Gonzalez
Michael Gonzalez
JD
543 satisfied customers
In federal court in a case with counterclaims does a
In federal court in a case with counterclaims does a stipulation to dismiss the case with prejudice also dismiss the counterclaims?… read more
Lori
Lori
Juris Doctor
1,062 satisfied customers
Is Premium Techie Support Service legitimate or a scam?
Is Premium Techie Support Service legitimate or a scam? … read more
Zoey, JD
Zoey, JD
Doctoral Degree
189 satisfied customers
What is the Statute of Liimitations in Federal Court for
What is the Statute of Liimitations in Federal Court for when restitution payments will end. I was told by my attorney 20 yrs. ago that it woud end after 25 yrs. or when I turned 65yrs. I am presently… read more
Ray
Ray
Lawyer
Doctoral Degree
32,095 satisfied customers
My former employer is facing criminal and civil litigation -
Hi! My former employer is facing criminal and civil litigation - hey are now suing all of us former employees because they simply want to try and stop us from talking.How do I know if I was sued prior… read more
Ray
Ray
Lawyer
Doctoral Degree
32,095 satisfied customers
My mother has an arraignment hearing in federal court in
My mother has an arraignment hearing in federal court in Columbus GA one week from today. She is currently with me in CA in a 30 day alcohol treatment program and is also early stage dementia and high… read more
Zoey, JD
Zoey, JD
Doctoral Degree
189 satisfied customers
I am involved in a commercial civil litigation in Arizona
Hello,I am involved in a commercial civil litigation in Arizona Superior Court. I am the plaintiff. I am going to relieve my attorney on the case. The reason is because he is thwarting the case and co… read more
LegalPro54
LegalPro54
Doctoral Degree
1,258 satisfied customers
A procedural question - federal court and the filing of
A procedural question - federal court and the filing of amended complaints. When a judge has not yet ruled on your leave to file a SAC, and you might wish to replace the proposed SAC with a Second Ame… read more
Damien Bosco
Damien Bosco
4,153 satisfied customers
If a case is removed from state court to federal court, then
If a case is removed from state court to federal court, then remanded back to state court, by the judge, and there is a federal question involved, can the defendant seek a dismissal on grounds of the … read more
Legal Eagle
Legal Eagle
Lawyer
10,210 satisfied customers
Federal court. If judge issued an Order for a case status
Second opinion] Federal court. If judge issued an Order for a case status report "no later than 7 days" from 12/27/2017, what is the latest possible date and hour to respond? And what happens if that … read more
Amadeo Rivera
Amadeo Rivera
JD
85 satisfied customers
I want to file a Complaint in Federal court against the
I want to file a Complaint in Federal court against the Federal Energy Regulatory Commission under the Administrative Procedures Act. The case meets all 4 prongs of the test to determine if the facts … read more
INFOLAWYER
INFOLAWYER
Attorney
Doctoral Degree
20,727 satisfied customers
My employer did not take my insurance premium out of my
My employer did not take my insurance premium out of my check when I started working there. They were to take $300 every two week or $600 a month. I will admit I didn't look at my check close enough. … read more
Olivia Kent
Olivia Kent
Managing Partner
Doctoral Degree
2,855 satisfied customers
How can I find a process server to serve civil litigation
Hi how can I find a process server to serve civil litigation papers in Sweden? Please refer some service providers.Thanks,… read more
socrateaser
socrateaser
1,031 satisfied customers
Civil litigation: building contractor, mechanic lien, 2009.
Civil litigation: building contractor, mechanic lien, 2009. Multiple court dates extended, fired my attorney, filed pro se to dismiss for lack of prosecution after 2 1/2 yrs no communication after agr… read more
Legal Eagle
Legal Eagle
Lawyer
10,210 satisfied customers
Is it possible to indicate me a list of Civil Litigation
Hello. Is it possible to indicate me a list of Civil Litigation Lawyers who work in the New York area?… read more
Ray
Ray
Lawyer
Doctoral Degree
32,095 satisfied customers
For a civil litigation case that is already in process, the
For a civil litigation case that is already in process, the defendant filed a motion and dropped a copy to my door without actually serving me and mailed a copy to my attorney, is this ok in terms of … read more
LegalPro54
LegalPro54
Doctoral Degree
1,258 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