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Mark M. Bello

Mark Bello’s Answers

67 total


  • How could I know for certain that at fault driver's insurer has valid reason for denying my claims?

    I was involved in an accident in which the driver of a rental vehicle disobeyed traffic signal, collided into and totalled my car, and fled the scene of the accident. Lessee recanted story to PD about identity of driver and of permissive use. She ...

    Mark’s Answer

    The others are correct. When dealing with an insurance company, always assume you are being lied to because...you are probably being lied to. Get an attorney, allow him/her to review and investigate the situation, and then you will know for sure

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  • The insurance is not wanting to give me what I think is right for injuries. What should I do? How should I handle this?

    I was in a motor vehicle accident. The lady who hit me was completely at fault and her insurance is fixing my car; however, about a week later I started experiencing severe back pain and now I am having to see a chiropractor for some serious back ...

    Mark’s Answer

    I agree with the others. Trying to get an unrepresented client to settle a claim, early and cheap, is a classic method used by insurance companies to save money on claims. It is a growing trend and very troubling. Turn the matter over to someone (an experienced personal injury attorney) who beats on insurance companies for a living. You won't be sorry. Good luck.

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  • Can I sue my dentist for a cut lip by his assistant, that I believe that have the required training to perform the procedure.

    I don't know if this would be a malpractice,personal injury or neg. case. I had a dental appt on Thursday July 5, to have 3 teething filled (fillings). I was on the impression that dentist are suppose to perform these procedures. The dentist s...

    Mark’s Answer

    Just wanted to take a minute and pay tribute to James Abrenio for his very thoughtful answer. Unfortunately, in today's malpractice litigation climate, smaller cases are almost impossible to pursue. Insurance companies would rather pay thousands defending a case rather than pay the amount that a cut lip (even a serious cut) would suggest. The amount of time money needed to pursue the case would, most likely, not justify the amount recovered. None of us have seen your lip; if there is a hideous scar and the assistant was negligent, there might be a claim, but it would have to be quite a hideous looking scar. This is the state of malpractice law in a tort reformed society. If we keep voting for candidates who would restrict our civil rights and our access to the courts, more and more injured and disabled people will be shut out of the system. The insurance companies and corporations do not need the help of the government to deny an defend cases; they do it quite well without legislative assistance.

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  • I was hit by a car while riding my bike. From whom can I expect compensation for my pain and work loss?

    I got hit by a SUV while crossing the road on my bike. I didn't break any bones luckily, but I got a deep wound and was released after 1 day's treatment. I live in a no- fault state, so, Should my Auto insurance or health insurance pay the medical...

    Mark’s Answer

    Michigan is a unique state in that it is a pure no-fault state. As such, regardless of fault, you can collect wage loss, medical bills and other out-of-pocket expenses from your own insurance carrier. If the SUV was at fault, you can also collect for pain and suffering, but only if you have suffered a "serious impairment of body function" or a "serious disfigurement". Pain, if it lasts a long time, and can be measured, objectively, can meet the serious impairment threshold, but it is a difficult burden and you haven't indicated how long you have been in pain. Your "deep wound", if it leaves a serious scar, could satisfy the "serious disfigurement" threshold, but, again, you have not provided enough facts. Brian is correct; you would be wise to make an appointment to see an attorney who is well-versed in handling Michigan no-fault cases. Good luck.

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  • I was fire due to back injuries

    My employer will not respond to phone calls or e-mails requesting my personel file and insurance info as to when it will expire

    Mark’s Answer

    Talk to a workers comp attorney in Flint. David Black is an excellent workers comp lawyer in that area. You do not indicate whether you hurt your back at work or not. I am making the assumption that you did. If you did not injure your back at work, injured it elsewhere, and cannot perform your ordinary work functions, you employer is not required to continue to employ someone who cannot perform his/her work functions. Certain federal statutes may require the employer to accomodate your handicap, if there is work available that you can do, but you have not provided enough information for that analysis. Good luck

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  • I was injured in an auto accident. The case settled up to the date of settlement. Can I get still get medical?

    The insurance company says the medical claim in closed. But I need surgery and an MRI still to be done. Should the insurance company pay my medical bills still? Or do I need to pay out of my pocket and then sue for the expenses? (I dont have money...

    Mark’s Answer

    Michigan is the only state in the country that has unlimited (clear proof of need is required) 1st party medical benefits. This means that if your injury warrants it, you are entitled to medical coverage, under your own no-fault policy, for life. The two Michigan attorneys who responded gave you sound advice. It DOES depend on the release that you signed, however, it appears, from your information, that you signed a release for no-fault benefits through the date of the release. If that is true, and that language is clear in the release, then as long as you produce reasonable proof that the injuries suffered in the accident necessitated the surgery, and the surgery is reasonable and necessary, the surgery and the MRI would and should be covered. Your attorney should assist you through process; the insurance company will almost always, despicably, deny coverage and make you jump through all kinds of legal hoops. The good thing is that the Michigan no-fault statute penalizes insurance companies that unreasonably deny coverage and provides sanctions and attorney fees for those carriers who unreasonably screw a victim around. Pursue this and pursue through an attorney who handles no-fault claims and lawsuits for a living. Good luck.

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  • How do I proceed on hail-damaged roof disagreement with my insurer?

    A recent hail storm damaged many houses in our neighborhood. Many of our neighbors have had their roofs replaced by their insurers due to hail. Two "storm chasers" (roofing contractors) said that our roof has hail damage and should be replaced. ...

    Mark’s Answer

    With all due respect to the previous answer, if you are looking to have your roof replaced, the amount of your damage will exceed small claims limits and if you file in small claims court in Michigan, you will limit the amount of your claim to the small claim limit. I would get an estimate from a reputable, local, roofer (a "second opinion", if you will) and I would take the insurance policy to an attorney or public adjuster in your area. In Michigan, Associated Adjusters, in West Bloomfield, for example, does great work, all over the state and can help determine what coverages you have. Do not try to resolve this with the insurance company on your own! As sure as I am typing this on my computer keyboard, I am equally sure that they will try to take advantage of you, Good luck

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  • Can i sue a doctor for calling me a drug addict when I am not one?

    I have a rare disease called Superior Mesenteric Artery Syndrome and had surgery done about two years ago. About a year and a half ago the chronic pain came back. I started going into the E.R. when I would become extremely nauseous and the pain wo...

    Mark’s Answer

    It depends on your proof. If the doctor was clearly stating a medical opinion, you probably have no grounds. Further, we have to look at actionable damages as a result of the statement. The fact that you have been refused treatment a "couple of times" or that you have to find a new treating doctor does not create a situation where you have been damaged enough to justify the cost of suing a doctor (who probably has a lot more money to defend the case than you have to bring it). The possible denial of SSI or future treatment is speculative, at present. I would try to correct your records or have other doctors opine that Superior Mesenteric Artery Syndrome can be so painful that patients MUST resort to drugs, if that is the truth. I do not think that your damages rise to the level where a lawsuit is warranted. I suggest, however, that you order you records and bring them to a local attorney for review and advice. Good luck.

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  • Black mold found in home. Have been ill. Lost job. Even insurance company was shocked. Any advise?

    Lease option on home. Owner of property known as slumlord. Has other properties with mold and multiple issues. Had mold tested 2 weeks ago she will not give me a copy of results. Claims they were fine yet mold company will be coming out to do a pr...

    Mark’s Answer

    You also haven't identified who the insurance company represents. Is it a tenant's policy or the landlord's policy? There might be policies for both landlord and tenant. If you seek medical bill payments and pain and suffering, those kinds of benefits would require you to sue the LANDLORD and prove negligence and damages. Your tenants policy would cover other things (not medical and pain and suffering) like repairs and personal property damage. It would be wise to retain an experience property loss public adjuster or attorney. Good luck

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  • What happens if I am at fault for a car wreck?

    even thought I feel it was their fault, I am being at fault for hitting their car when they ran through a red light. I have never been at fault before. I do have insruance, but what happens now? do I have to pay out of my pocket? or does it just g...

    Mark’s Answer

    I agree with the previous comment, but would add that if you truly feel that the other car ran the red light, let your insurance company know that. If an investigation reveals that there are real questions about who was at fault, this may minimize the effect of this accident on your record and may effect how much it impacts your insurance rates. Who knows? Investigators may find a witness or other evidence that may tend to show that the "other guy" was at fault. If you are determined to be the at-fault driver, then the previous answer provided sound advice. Good luck

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