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Jody R. Nathan
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Jody Nathan’s Answers

147 total


  • Need help with private disability insurance misconduct/breach of contract/fraud (including withholding monthly benefit)

    My private disability insurance company abruptly decreased the amount of my monthly benefit within about 2 weeks which breached my contract for a third time in 15 years. They have continued to willfully withhold this amount even after I brought to...

    Jody’s Answer

    contact an attorney who is familiar with disability policies near you. You may check on this site for an attorney near you.

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  • I have multiple insurance policies through employer. In April 2013 I added 3 more to my list. Yeah insurance poor I suppose.

    Payroll added the 3 policies but did not withhold monies due from my prior life insurance policy, and they replaced one policy amount with another. My boss is now saying I owe her money because of payrolls error. Do I have any recourse with payr...

    Jody’s Answer

    If you want the policies, you need to pay for them. There is no recourse for not getting charged for the insurance you bought. Best thing is to request that the amount owed be taken out over time, and not all at once.

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  • Someone hit my park truck on 5/24/15. Today I got letter stated that they denied the claim because insured do not "cooperating".

    Police gave that person at least 3 tickets. I contacted the other insurance, Young America Ins (Rodney D. Young) about 3 weeks later, no one ever report the accident to them. They came out & gave me a low estimate ~ $3,000.00. I got estimate ove...

    Jody’s Answer

    most states which require auto liability insurance do not allow insurance companies to escape responsibility just because their insureds do not cooperate. Get yourself a local attorney. Sue driver and owner.

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  • My husband was in the hospital for 3 years and almost died several times due to the DTP shot and then had 100s of blood

    transfusions which caused him to get hepatitis C. My husband is now struggling with many health problems that we believe is due to the hep c. On top of everything else he dosnt qualify for Obamacare or medicaid. His mother was unaware that she cou...

    Jody’s Answer

    You may need to check to see if you can still file a claim with the vaccine court which handles claims for personal injuries resulting from vaccines. Look for an attorney with experience in the vaccine court.

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  • Do we have a malpractice case? Personal injury?

    My husband had iliac bypass surgery to repair aneurysm. Some time in the night a vessel above the site burst. He was taken back to surgery for repair. While in the second time, surgeon noted colon was ischemic. He was sent back to SICU. Next morni...

    Jody’s Answer

    One must show that the medical care your husband received was below the standard of care. Oklahoma requires an affidavit from a health care provider that the care provided was below the standard. It is very difficult to get a verdict in Oklahoma for medical malpractice, especially with all the tort reform measures recently enacted. You should talk with an attorney about your concerns.

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  • Insurance harassment after car accident?

    Was in an accident Shortly after receiving medical attention the phone calls, E mails, and letters started coming. Contacted a lawyer whom sent out a letter to contact him directly and that there is to be no more contacting myself. 7 days later a ...

    Jody’s Answer

    Unlikely you could get additional money for letters sent to you rather than your attorney. Be sure to let your attorney know and send him all correspondence you get.

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  • A friend got pulled over with no insurance but the cop said he stopped him due to no chain on his trailer

    Now he was going 45 mph, the cop was not moving. There's no possible way that the cop could have noticed he didn't have a chain because of where he was sitting in his car and the angle of the road my friend was driving down. I doubt anybody coul...

    Jody’s Answer

    Sure it could -- but it is unlikely. Your friend would have to come up with evidence; the state only has to get the officer to say -- hey, I don't know about all that; but I noticed there was no chain. Then you lose.

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  • How to negotiate with insurance company's lawyer now that my lawyer has quit?

    My lawyer quit while he was in negotiations with the insurance company's lawyer on an amount for water damage sustained to my home. I have 6 weeks and 3 days til the SOL runs out. He quit 9 days ago and I had had no luck find another lawyer. Th...

    Jody’s Answer

    • Selected as best answer

    send your insurance company a demand for payment in a specific amount. 6 weeks is plenty of time to get another attorney; check with AVVO or the state or local bar association for names of attorneys willing to take your case.

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  • If I do not have uninsured auto coverage will an Umbrella Policy cover medical bills from an accident?

    Adding uninsured motorist coverage to my auto policy will double my premium. I would rather spend the money on an Umbrella Policy. Not sure if the Uninsured motorist insurance has to be in place, to be covered by the Umbrella.

    Jody’s Answer

    Umbrella policies generally cover liability to others, not your own (or your passengers') injuries. Usually, UM coverage is low cost. But if you are looking to have your own medical bills paid in case of an accident, you can look into requesting higher limits on Medical payments. You will need collision and/or comprehensive to get damage to your property covered.

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  • Who gets the Life insurance (Missouri)?

    My best friend past away June 1st and I am one of three beneficiaries. She also has guardianship over her niece who past away a week before her. She had dependent life insurance on her (niece). How is this handled and who gets the money?

    Jody’s Answer

    I am sorry for your loss. I am assuming there are two insurance policies, one on the life of your friend, of which you are one of the named beneficiaries, and one on the life of the dependent niece, which most likely named your now deceased friend as the beneficiary. As to the first policy, you make a claim with the insurance company, and request a payment. As to the second, it depends on what the policy says. If your friend was the only listed beneficiary on the policy for the niece's life, then it will pass like any other item of the estate. The question is, who's estate? The friend or the niece? And that depends on who "owned" the policy. There are not enough facts to determine ownership; you may need to check with a local attorney for more information.

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