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