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Jay M. Borowsky

Jay Borowsky’s Answers

26 total

  • Is it legal for a mortgage company to back date and charge for lapsed flood insurance?

    I contend that I paid for flood insurance for 2012-13. My insurance company sent confirmation to my mortgage company in 7/12 confirming that my policy was paid. In 7/13, they sent a notice to the mortgage company that my policy was cancelled. Mort...

    Jay’s Answer

    Have you seen a copy of the "new" policy? If you already had valid coverage then another policy is superfluous. And I have never heard of an insurance company agreeing to issue a policy with a claim all ready for filing. It defeats the basic insurance concept of fortuity. The insurance company should be able to verify the premiums it received on your behalf. I agree that the matter should be investigated further.

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  • Is there anything to do in PA when I T-boned someone that was speeding and ran a stop sign in a 25 MPH zone?

    In this town there was a firemans parade about a month ago. Traffic is everywhere on the main Street. I came out of a store and drove towards the back street. a very short distance to the intersection. its fall and there is no trees blocking the s...

    Jay’s Answer

    I agree with the other gentlemen regarding this matter.

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  • I was terminated for entering a payment wrong.

    I entered the amount wrong. Just a simple mistake. I was fired and started receiving my benefits then my former employer appealed. When I was fired he said I didn't fit in and then changed his story at the appeal.

    Jay’s Answer

    I am unclear what you are asking. Is the question concerning the basis of the termination or whether the changing story impacts unemployment benefits. You need to give greater details about what was said and what you are worried about.

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  • I was in an accident over 25 years ago and my license was suspended for no insurance. What is the statue on this an what do ?

    I live in PA. I backed into a parked car. There was approximately $1,200.00 damage to the other persons car. Their insurance company turned it in and I lost my license. I am almost 52 now and I need to know what the statue is on this and how do I ...

    Jay’s Answer

    The first step in restoring your license would be to satisfy the judgment.

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  • Insurance is asking to be paid back, what should I do?

    I was in the hospital about a year ago, and had the social worker call and find out if my insurance was still valid. The insurance told the social worker yes, and I went on to use this insurance for medicine and doctor visits. Now they are saying...

    Jay’s Answer

    You did not did not make clear why your insurance carrier first said there was valid insurance for you and then reverse that determination later. Given this confusion, it appears that you should probably consult an attorney regarding your rights to insurance coverage before embarking on another path to address problem.

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  • Mother passed on 7/30/2013. Life Insurance expired. New company wrote new policy but is paying beneficaries from expired policy.

    Mom had a 15 yr term which expired on 10/04/2013. The company as an accommodation for mistakes they made had a subsidiary insurance company write mom a 1 yr term policy to expire on 09/15/2013. They gave her a new policy number and policy from a c...

    Jay’s Answer

    I agree with others to consult an attorney on this matter. There are several issues raised by your question, not the least of why you ended up with a new policy designed to expire earlier than the one it replaced, or was it a replacement after all since you gave no indication whether the first one was actually cancelled.

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  • What can you do if you feel your property taxes are not correct. WE live in a small community and our taxes are outrageous.

    We have been trying to sell our home for about 4 years now and everyone that looks at it states the same thing, your home is beautiful but your taxes are outrageous! i have looked at other homes and no one compares to us? We asked them to look at ...

    Jay’s Answer

    I also agree. Retain an attorney to appeal the assessment if you believe that the assessed value is higher than the property value as conducted in your town. According to your statements, it sounds like your assessed value is higher than comparable homes in your community, so that is a circumstance favorable to your position.

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  • What would happen to me, if I submitted a claim to Geico?

    I submitted a claim to Geico. But I just found out that the person driving my car did not have a license nor permission. My boyfriend told me his brother was driving and found out he was not in the car. My boyfriend used his brother's license even...

    Jay’s Answer

    I agree with the others that you should consult with an attorney immediately before taking any action. This is a serious and complicated situation you have described so far, and may not even constitute all the material facts.

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  • My sister's bank has homeowners on her home because she let it lapse, the house caught fire, who gets remaining money?

    my sister let her homeowners lapse due to financial hardship and the bank got a policy for $160,000. She pays extra on her mortgage payment every month to cover cost of policy. Her home burned last night, can she get the remaining money after the ...

    Jay’s Answer

    who is an insured(s) under the policy? if your sister is named as an insured under the policy then she should be entitled to remaining funds once the mortgage company is made whole. however, as the bank has been using her money to pay for the coverage, then presumably she is named on the policy. if not, then there is a bigger issue to consider.

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  • I was hit my a sysco Food truck while stopped at a stop sign, Their legal team was on-site ASAP, can I take them to court?

    There were 2 other witnesses, yet the officer decided there was not enough information to determine fault. The Driver was parked on the wrong side of the road, doing what I assumed was a delivery to a local restaurant, then he pulled out and immed...

    Jay’s Answer

    I would consult with an attorney immediately based on the facts as described if you have been injured. Also, have you contacted your insurance carrier about the accident? if not, then this is another step to take but an attorney can guide you on all the necessary steps.

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