Wendy D. Calvert’s Answers

Wendy D. Calvert

Chicago Insurance Law Lawyer.

Contributor Level 5
  1. Can the Insurance company of the at fault Driver only offer to cover 75% of whatever the damage estimate is on my vehicle?

    Answered almost 2 years ago.

    1. Stephen Laurence Hoffman
    2. Joseph Andrew Brabender IV
    3. Wendy D. Calvert
    4. Christian K. Lassen II
    5. David J. McCormick
    6. ···
    6 lawyer answers

    As a former insurance adjuster, I have to ask you the primary question of "what happened?" And how you reported it to the carrier. Depending upon how the accident occurred, you may be assessed a percentage of liability or fault for the accident. That does not mean you have to accept it. When assessing liability there are certain factors to take into consideration, including evasive action, proper lookout and control, defensiveness etc. For example in an intersection accident, one may...

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  2. Is It Too Late To File An Auto Insurance Claim?

    Answered over 1 year ago.

    1. Judy A. Goldstein
    2. Stephen Laurence Hoffman
    3. Christian K. Lassen II
    4. David Ian Schoen
    5. Ray Choudhry
    6. ···
    6 lawyer answers

    Its hard to determine who is the owner in is senario, but in most states coverage follows the vehicke unless there is a named driver or some other sort of similar exclusion. You should comsider contacting the carrier for the covered auto immediately as most policies require prompt reporting to ensure proper investigation etc. That said if there was coverage at the time of the accident, then there should not be a problem. As to liability or fault, depending upon how the accident occurred,...

    3 lawyers agreed with this answer

  3. If i plan on purchasing my first real estate property in next 5 or 8 months is it a bad idea to get new credit

    Answered about 1 year ago.

    1. Thomas O. Moens
    2. Wendy D. Calvert
    3. Alan James Brinkmeier
    3 lawyer answers

    I agree with my colleagues. As a broker and attorney I always advise my client to review and select lenders prior to starting the home buying process to see what you can afford. They can also assist you with credit counseling and debt management. There are hard and soft inquiries which could impact your credit different, and you should consider consulting with a lender prior to making any decisions that may impact your credits prior to buying. Here is a great website on the different...

    2 lawyers agreed with this answer

  4. Do I need a real estate license to be an International Real Estate Broker?

    Answered over 1 year ago.

    1. Judy A. Goldstein
    2. Thomas O. Moens
    3. Robert J Adams Jr.
    4. Stephen Samuel Messutta
    5. Wendy D. Calvert
    5 lawyer answers

    Real Estate is local and you must be licensed where the real estate is located. As a licensed as a broker as well as an attorney in both Illinois and Wisconsin, I am required to hold licenses in both states. I am not certain if you are in Chicago but you may also want to connect with the local realtors association which might be able to provide you with additional assistance. Associations like Chicago have Global Initiatives sections/committees which may be able to offer more insights.

    2 lawyers agreed with this answer

  5. Can i get some compensated from my own insurance .

    Answered over 2 years ago.

    1. Thomas Edward Florek
    2. Joseph Younes
    3. Stephen Laurence Hoffman
    4. Steven Adam Sigmond
    5. Andrew Jacob Reeves
    6. ···
    7 lawyer answers

    As indicated by my colleagues, additional information is necessary in order to evaluate your question further. Coverage may be available under your own auto or medical policy; or coverage may be found under the liability coverage of another party involved in the accident. Its not possible to determine what options are available without an investigation into the facts, circumstances and a review of the policy.

    2 lawyers agreed with this answer

  6. Can a minor receive structured settlement payments?

    Answered over 1 year ago.

    1. Judy A. Goldstein
    2. Christian K. Lassen II
    3. Wendy D. Calvert
    3 lawyer answers

    You should consider consulting with an attorney. In my experience as an insurance attorney, the courts tend not to favor taking money out until child reaches 18. However, I do not have enough information to provide you with a definitive answer and a court would ultimately make the determination.

    1 lawyer agreed with this answer

    1 person marked this answer as helpful

  7. What is your best advice for the procedure to remove tenants considering the following:

    Answered 9 months ago.

    1. Gerald William Napleton
    2. Judy A. Goldstein
    3. Thomas O. Moens
    4. Wendy D. Calvert
    4 lawyer answers

    I agree with my colleagues, you need to consult with local counsel. They need to get a better understanding as to the actual terms of the agreement.

    1 lawyer agreed with this answer

  8. What I have to do for denied medical claim ?

    Answered over 1 year ago.

    1. Judy A. Goldstein
    2. Christian K. Lassen II
    3. Wendy D. Calvert
    4. Jennifer H. Seate
    4 lawyer answers

    You should contact the insurance company and ask them to review the claims with you and provide you with a better understanding as to WHY they denied your claim and what if anything you could have done to make sure that the claim will be paid. I would also check the Illinois Department of Insurance - link provided below. There may also be certain processes for appeals but I cannot really speak on that without seeing the denial letter and the policy. You may want to consider contacting an...

    1 lawyer agreed with this answer

  9. Does a companies insurance have to cover employees belongings?

    Answered over 1 year ago.

    1. Wendy D. Calvert
    2. Jay A Shafer
    2 lawyer answers

    No there is no requirement. There may be a question of liability. However as colleague has already pointed out, it will depend upon the underlying facts. Meantime, have you contacted the HR or management to ask if you can present a claim for the loss of the tools?

    1 lawyer agreed with this answer

  10. How do i go about terminating services with real estate attorney?

    Answered over 1 year ago.

    1. Gerald William Napleton
    2. Padraig James McCoid
    3. Lela Jeannette Davis
    4. Wendy D. Calvert
    4 lawyer answers

    I also agree with the prior attorneys. But would also like to stress the Attorney Napelton's comment about the short sales process. As a broker/realtor with a short sales designation and as well as a real estate attorney, based upon my experience, it is a cumbersome process with many different potential pitfalls. Experience and patience are key. If you are going to dismiss your attorney I would caution you to make certain that you remain with an attorney with specific shortsales experience....

    1 lawyer agreed with this answer