if I am involved in an accident with a uninsured individual can I refuse to use my coverage and force the uninsured to pay for damages with cash. the individual without insurance is at fault.
you can go after the uninsured guy without using your insurance. I don't know why you would want to.See question
I was involved in a car accident over two years ago while driving my dads car that was insured but I was not in the insurance plan but wasn't excluded. I was on a freeway and was changing lane as a signaled and starting changing lanes to the right...
check with a local attorney. The insurance company should be defending you, but you don't say why they have refused.See question
I was driving a commuter bus and involved in an accident where I was not at-fault. I do not have UIM coverage, but my sister does, whom I was living with. Is there a chance her State Farm UIM coverage will apply to me? Does it matter that I was dr...
UIM generally follows the person, not the vehicle, such that if you are within the definition of an insured, (resident relative) there should be coverage regardless of the vehicle you are in. In fact, UM will cover you if you are hit by an uninsured/underinsured car while walking. Make a claim, see what happens. You may also be entitled to med pay coverage.See question
6/2/15 I got rear ended by a logging truck at a stop light. I was already in the left turn lane, he had merged in behind me. The stop light turned red, I was able to come to a complete safe stop, had atleast 3 seconds of his brakes screeching to t...
Get a lawyer. Write down what the witnesses say and have them sign it.See question
I was recently involved in an accident I was declared at fault for... My insurance sent me a letter saying the defendant is "demanding policy limits" I looked at the attached medical bills that her attorney sent, her bills are way under my policy ...
There are many reasons for a policy limit demand. Your response should be to send a letter to your insurance company telling them to settle the claim within your policy limits. This may protect you in the event of a judgment in excess of your policy limits.See question
I hit the center mediano the highway avoiding road debris, on July 18,2015. I have left countless voicemails. No response.
Have you talked with your agent? Sometimes the agent can help. Also, you may want to talk with your state insurance commissioner. Most states have time limits which require insurers to respond to claim within so many days. But, you may sue if you believe the insurance company has not met its contractual obligations to you. Check with a local attorney.See question
We were in a mild fender bender, i filed a claim and the other persons auto insurance company assessed the damages and provided a check for the repairs. If I choose to not do the repairs will I get into legal trouble ie fraud, etc
Unless there is a lien on your car (e.g., you owe money on the car and the car is the security for the loan) you can do what you want with the insurance check.See question
Courts are crowded, most cases settle before trial, and the longer the cases sit on the docket, the more likely they are to settle. Talk with your attorney. Delay may also be a tactic.See question
We have been asking him for three years to remove the tree because it has grown into our yard and was looming over the house and garage. He says he has no money. Only half of the tree actually fell and the other half is dying too and will probab...
You may be able to sue for nuisance, or complain about it as a nuisance to the city; nuisance is the magic word. But here's the problem: if the other half of the tree falls on your house, the insurance company may not pay for the damage, because you failed to take care of the problem. Look for an attorney with contacts in with your city government to discuss this with.See question