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Michael Stephen Brandner Jr.

Michael Brandner’s Answers

9 total

  • If I am unable to return to preinjury status should I expect a setttlement,severnce pay or file a lawsuit?

    After undergoing right shoulder and elbow surgery, I am currently on workers comp. My company is paying all medical expenses and I still have 3 more weeks of rehab before my doctors evaluation. I was injured on the job .

    Michael’s Answer

    With regards to your worker's compensation claim, the key event for you to consider is when you are denied any benefits from worker's compensation - medical bill payments, wages, etc. But, you may be entitled to more than worker's compensation payments if your injury may have been the result of another parties' actions. Without knowing more about the facts of the case I cannot go into more depth, but I highly recommend you seek counsel from an attorney so that your rights are fully protected.

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  • What legal action can I take against liability insurance of Licensed Contractor

    Elder's home needed repairs 2005, individual used a friends license to pull permits, instead of repairing he demolished the home leaving only the structure, if licensed contractor has liability, they should pay for damages. Now the house needs to...

    Michael’s Answer

    There is a need for more facts to sufficiently answer this question. But, it sounds that there may be contractor fraud involved and you should start by notifying the consumer protection division either in your state's attorney's general office or the local district attorney's office. Taking this action would initiate criminal legal action against the contractor(s).

    If you want to pursue a civil legal action and you know the name of the insurer, then you can start by filing a claim with the contractor's insurer.

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  • What can I do if Farm Bureau has denied by auto claim of hail damage?

    Our car was damaged in a very large hail storm that went through Kansas last week. We were at another home, and our car was parked next to another car. There were a few large, some medium, and numerous small dents. The car next to me was totale...

    Michael’s Answer

    If you have been denied and you believe that you have a valid claim, then you should contact an attorney with knowledge of first-party insured claims.

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  • My mortgage company is requiring twice the limit of escrow needed to pay property taxes and home owners insurance, what do I do?

    My mortgage company is requiring twice the limit of escrow needed to pay property taxes and home owners insurance, what do I do?

    Michael’s Answer

    You can bypass the escrow by taking on the responsibility of paying for your property taxes and homeowner's insurance. But, by doing so, if you fail to maintain homeowner's insurance on the property, many mortgage agreements have the contractual ability to purchase their own homeowner's insurance (call a "forced policy") that you bear the burden of paying, and it may be more costly than what is available in your market. As a result, you should remain diligent and maintain your insurance payments and property taxes.

    THESE COMMENTS ARE NOT LEGAL ADVICE. They are provided for informational purposes only. Actual legal advice can only be provided after consultation by an attorney licensed in your jurisdiction. Answering this question does not create an attorney-client relationship or otherwise require further consultation

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  • Am I entitled to life insurance benefits from my ex husband if I am listed as his beneficiary?

    My ex husband died 2 months ago. I received forms from his group life insurance company requesting information as I remain his beneficiary. We have been divorced for 11 years and have remained friends. We were in communication up until his death. ...

    Michael’s Answer

    Based upon your description, you may be entitled to the life insurance benefits. Usually, the beneficiary is the recipient of the life insurance proceeds. You should contact an attorney in your ex-husband's state of residency to determine if any of the state's laws affect your situation considering the divorce agreement.

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  • I live in Northern Virginia and I have submitted a home-owners insurance claim. The insurer's have raised my premium....

    It was my understanding that insurance companies couldn't raise their premium due to claims based on "acts of nature". My claim started because of damage due to hail back in May. And they raised my premium from 700 to 1230! Can they do this? I was...

    Michael’s Answer

    An insurance company, if following the proper contractual procedures, can raise your premiums for the upcoming policy period, regardless of whether you have filed a claim in the past. Blaming an increase on a prior claim is a means by which the insurer justifies the increase.

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  • Check from insurance company was made out to first,second mrtgage holder and buyer .Can anyone cash without all three signatures

    ahome burned on which I hold second mrtgage. insurance check was made out to the three parties above. i have been informed several weeks after and only in hopes that i will sign check so buyer can use money to buy manuf. home and put on property. ...

    Michael’s Answer

    You need to have all three payees endorse the check. Usually, the mortgage companies will have their own procedures that you've agreed to follow under most mortgage agreements. The first step is to call the mortgage company to determine their policies and procedures.

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  • I have no licensebut insurance was in a wreck her fault they are coming to lookat damage today will they pay if they dont kno i

    dont have a pa license they are taking full liability

    Michael’s Answer

    Based upon your question, an attorney will need a better description of your situation.

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  • Car total..brought not knowing it was reconstructed...what is my rights?

    my car was totaled and I was hit from behind, the other insurance company only want to pay me $4,000.00 stating my car was reconstructed...this is least money I paid for my car...their driver got a ticket the damage is over $12,000.00...I paid ove...

    Michael’s Answer

    • Selected as best answer

    I am sorry to hear about your situation. Typically, the driver's insurance company is liable for the replacement of your vehicle. I am not sure from your description if your car is worth $12,000, but if it is then the insurance company should pay the fair market value of your vehicle. It is likely that the insurance company will try to pay you the least amount of money and it appears that the insurance company has already begun justifying an underpayment to you.

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