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Jody R. Nathan
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Jody Nathan’s Answers

170 total


  • Insurance company doesn't want to pay claim

    I am missing expensive jewelry following a move to Pa. When I made the claim the adjuster was so rude she basically accused me of fraud. I told her I don't know what happened to the jewelry but that I know my personal articles policy covers lost i...

    Jody’s Answer

    in addition to the other answers, review your policy. there are generally special (lower) limits on expensive items such as jewelry, unless those items are specifically listed.

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  • Are there any insurance companies insuring a trailer at a trailer park?

    cant seem to find a company that will

    Jody’s Answer

    Both State Farm and Farmers offers mobile home insurance. I am sure other insurers also offer policies. If you are renting the mobile home, you will need renters insurance, instead.

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  • My friend's car stalled and was rear-ended. Other person didn't have insurance, and friend didn't have uninsured protection.

    My friend's car had stalled in the rightmost lane on a highway and was rear-ended by a speeding driver. She accumulated medical bills worth $16,000 although no serious injuries and she was discharged the same day after some expensive tests. Her ca...

    Jody’s Answer

    File a claim with friend's auto insurance. If friend's insurance is paying other person, they should also pay your bills. There may be something called medical payments coverage which will pay some of the bills. Also, there may be uninsured motorist coverage. In addition, if you qualify as an insured under any other auto policy, you should make a claim. You may be an insured by having an insured car, or living with someone who has an insured car.

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  • Is an attorney needed to protect against insurance companies & gov program liens in a class action suit re medical device?

    Back surgery at age 64. Forced to retire after major back surgery. I currently receive social security/disability monthly. Advised that current attorneys do not practice in this field and can not protect me against any liens that may be placed...

    Jody’s Answer

    Ask your attorneys who they recommend for you.

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  • What constitutes as car insurance fraud?

    I know a girl who is driving a car that is fully insured and in her mom's name but she's the sole driver of the car. She told me that her and her mom have a plan that if at any time she gets pulled over she'll say that she's been borrowing the car...

    Jody’s Answer

    Generally, if the driver has the owner's permission, the driver is an insured under the policy.

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  • Car insurance wants me to figure on my husband's insurance policy even though I don't have a valid license

    Asked for a quote for my husband (US citizen, valid driver's license) and insurance company required me to figured on the policy, which jumped up his rate. I do not drive here in the US, I have a foreign driver's license, not translated in English...

    Jody’s Answer

    Generally, an auto policy will cover the named insured and the spouse. In some states (I don't know if NY is one), you can be listed as an excluded driver, which means you will not insured. That may be what you want. You need to make sure you would still be covered for medical and uninsured motorists, because those coverages protect you when you aren't driving.

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  • How long does it take for the isurance company to get a EUO? He said he was requesting it and accused me of fraud.

    I went out of town on vacation for a day. Came home and my home was broken into. A few items were missing and damaged. I provided pics of what the DVD cases LOOKED like as an example that my sister had who lives in MD, and sent my photos of the em...

    Jody’s Answer

    Suggest you provide the insurance company with the receipts showing you were out of town, and tell them what you have said about the photos of the DVD's. Usually, it will some time to set up an EUO; you should look for an attorney with experience in defending the EUO's. An insurance company can demand an EUO without any claim of fraud. If you provide dates and times you are available, that may speed things up.

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  • My insurance company is refusing to give me Diminished-Value for my vehicle

    the accident was the other party's fault and the driver was given 2 citations 1 for failure to maintain lane, and the other for failure to yield, my car is being repaired but it will not be worth the same now that it has been in an accident. My ...

    Jody’s Answer

    Many insurance policies say they will not pay diminished value to their insureds. You can sue the other party and get full recovery, or you can turn the claim into your insurance company and take what they determine is owed. (Arbitration is allowed, but it is unlikely to be helpful to you). You may still be able to sue the other side, or your insurance company can; and get your deductible and other (diminished value) damages. Find out what if any diminished value you could be entitled to (check with a car dealer) and then with an attorney to see if its worth fighting about. Good luck.

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  • In Louisiana, can a spouse be prosecuted for accessory after the fact? Automobile insurance fraud

    Teenage daughter wrecked parents' vehicle. Mom told insurance company that she was driving instead of the daughter because daughter had prior incident. Vehicle was total loss and claim was paid. The husband didn't know what wife had told insurance...

    Jody’s Answer

    Could he face criminal prosecution if he decides to report it now? Yes, he could. I would suggest finding a different example of what Father wants to prove.

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  • How much would a Insurance fraud case pay from your employer?

    First I am in a same sex marriage. My wife has been covered on my insurance where I work for the past year. My employer changed insurance companies. When I filled my app for the insurance I claimed me and my wife. She was diagnosed with cancer be...

    Jody’s Answer

    Since this appears to be employer provided insurance, it is likely that ERISA will apply. (There are some exceptions, including fraud, which may apply) You need a lawyer who understands the applicability of ERISA to claims of fraud, along with other insurance law in your state. If ERISA applies, you get equitable damages. . . i.e., you might get insurance for your wife, and you might get her claims paid, and your attorney paid, but not anything extra. If ERISA does not apply, you can get actual damages, which may include emotional distress, and possibly punitive damages -- depending on your state's laws. Get a lawyer.

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