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Rick E Woods

Rick Woods’s Answers

132 total


  • Last January a truck at my house The insurance man said he should not have to pay mental anguish 4 months to the day my son was

    My son was hit by a car 4 months to the day Ice is mangled face everytime I look in the window I don't feel safe in my house anymore And they don't want to pay cleanup they didn't pay mortgage holder for his part

    Rick’s Answer

    You are getting the run-a-round. You need to hire counsel to pursue a claim.

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  • I was a passenger in a car and she wrecked I dies 3 times at the scene had my spleen removed and 2broken legs can I sue?

    i also had my neck fractured in 3 places plus a few other injuries woke up in the hospital don't speak to the driver can I sue my own car insurance since I was just a passenger

    Rick’s Answer

    First would be the driver's insurance then yours depending on UM or UIM. You should obtain counsel quickly.

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  • I have a question concerning an employer paid long term disability policy.

    I have been denied my long term disability benefits by a well known insurance firm in Little Rock, Arkansas. Is it legal, in the state of Arkansas, to deny my benefits because during the 3 month period before policy went into effect, I saw severa...

    Rick’s Answer

    Depends on application disclosures and policy language.

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  • Are there any legal lawsuits won ever against UNUM for denial of long term disability???

    I need an experienced, long term disability, ERISA, attorney, that knows how to go up against UNUM to overturn my denial for benefits. I am at the stage where a civil lawsuit needs to be filed. I worked for a large, well known insurance firm, in...

    Rick’s Answer

    • Selected as best answer

    I have taken on UNUM before as it regards LTD claim. Would need to see your benefits book or plan documents whatever you have, the claim letters you have, and of course medical records. You should note that the claim process drives litigation as you are stuck with the administrative record. If you have not documented your claim properly, then you may have to ask to re-open claim process to submit additional information. Time is of the essence.

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  • Can I try to collect unemployment and start trying to file for disability? My last employer is fighting me on unemployment.

    I was fired from my last job because I asked for reasonable accommodation due to having ADHD and I was having trouble learning new tasks. They did nothing for four months and I was fired. I have several physical and mental problems that might ge...

    Rick’s Answer

    Talk to your disability lawyer first. To draw unemployment you have to be actively looking for work, which infers you are able to work. If you are able to work, you are not disabled. This is a simplistic analysis. Bottom line, talk to your disability lawyer before you do anything.

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  • If I am in a 4 car pile up and the at fault driver exceeds his ins damage limit, is there any way to not pay my deductible?

    I was in a four car pile up on the highway. I was at a complete stop along with the car in front of me and the car behind me. A man had a blowout and hit the lady directly behind me, knocking me into the car in front of me. The man does have insur...

    Rick’s Answer

    Need to seek counsel in your area who can review your insurance policy and give you your options. Other option may be to sue and collect from at fault party, but likely not practical due to amount of deductible. May be better to try and make it up on the BI claim.

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  • I had an accident with an18wheeler he was at fault im still in process of medical but my lawyer doesnt have a surgeon what to do

    I feel if I'm doing all the work for my lawyer. I was able to get the accident report way befor they did so i gave it to them, also they didnt want anything to do with the property damage,only pain and suffering. so i did my property damage claim....

    Rick’s Answer

    You should ask your current counsel these questions. If you do not get forthcoming responses, then you may want to consider your options.

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  • Live in arkansas. Work and drive in oklahoma. Wrecked car in oklahoma. Which state takes jurisdiction on total loss threshold

    I have 2008 Honda civic. I'm at fault in accident. Took car to body shop in arkansas. Car is 700.00 from total loss in arkansas. Can I take it get estimate in oklahoma? That's where accident occured. In oklahoma it would be considered a total lo...

    Rick’s Answer

    This is a contractual situation between you and your carrier. The law of Arkansas will apply to your situation. More importantly your policy will control how the loss is paid out, unless the policy conflicts with Arkansas law, which is not likely if you are insured by a reputable carrier.

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  • I have a pending personal injury case in which I'm seeing a psychiatrist.

    Now, after my 4th or 5th therapy session, the psychiatrist told me that in addition to billing and receiving money from my insurance company that he is going to get a portion of my final settlement money. Please advise. (PLEASE NOTE: My lawyer, wh...

    Rick’s Answer

    Read your contract with your lawyer. You may have to pay two lawyers unless you terminate your lawyer for cause. Most contingency agreements allow for a lien in favor of the attorney that survives termination, unless it is for cause. The best way to handle the situation is to get it out in the open with your lawyer. May just be a misunderstanding.

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  • Me&my family was in car accident..The lawyer "I" hired sent me paperwork to sign over power of attorney for myself,spouse&child.

    The lawyer wants me&my husband to sign to get both our names on (1) check..I asked why&was told its Arkansas law since we are legally married,&that also they want him to sign off on my daughter's p.o.a. because he is the father..But I explained th...

    Rick’s Answer

    A lawyer must obtain a contingency agreement for each client. The consortium claim is separate and distinct to a spouse of an injured party. The lawyer must get the spouse to hire him, or he cannot bind the spouse to release the claim. The insurance company will want that claim released. Sounds like everyone needs to get on the same page.

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