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Anthony Max Denena
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Anthony Denena’s Answers

9 total

  • Will the uninsured motorist coverage/insurance company of the vehicle I was in pay me a settlement?

    My boyfriend and I were passengers in a car wreck. We were hit by an unlicensed/uninsured driver and the insurance company that covers the car that hit us is saying they are not paying anything. I sustained injuries to my neck, back, and arm. Will...

    Anthony’s Answer

    You may make a claim against the uninsured motorist carrier for the vehicle in which you were a passenger. You may also make a claim on your own uninsured motorist coverage, if you have it. You are entitled to compensation for your medical bills and pain and suffering, and you are also entitled to be reimbursed for any personal property damage you suffered, i.e. your computer. You have to be able to prove that the computer was yours. It helps a great deal if you still have some proof of purchase. Oftentimes, cases can be handled without the assistance of an attorney, but it is best that you at least consult one before making any decisions and certainly before you give a recorded statement or sign any documents for the insurance company. If you decide to talk to an attorney, be sure to ask if they are Board Certified in Personal Injury Trial Law. In Texas, very few attorneys are. In fact, about 98% of the licensed attorneys are NOT Board Certified.

    You can download one of our books from our website to provide you with a ton of helpful information about what to expect in your claim with the insurance company. Good luck!

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  • I was in wreck a few days ago and the vehicle wasn't mine it was my parents. In this case will my parents insurance cover it?

    I got into an accident for running the red light, the problem is while driving the insurance was under the parents name plus I was driving with no driver license and no state id. Now the other party insurance called and left a message to call back...

    Anthony’s Answer

    In Texas, you must have a driver's license to legally operate a motor vehicle. Many insurers will write in a blanket exclusion into their auto policies that exclude coverage for any non-licensed driver. You should always cooperate with your insurance company, whether it is your own or the vehicle's in which you were driving. If you do not contact your parents insurance company and cooperate with them in investigating the cause of the wreck, you risk invalidating your parents' coverage, which could end up costing your parents a great deal of money.

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  • Is there anything I can do about it? Now the insurance company is saying it was my fault and I have to pay for loss damages.

    I was recently in a car accident and the officer who was at the scene failed to write down what I told him occured (the other person had her lights off so I was unable to see her when I was crossing the intersection at night, which made her hit me...

    Anthony’s Answer

    I think you would be best served to contact an attorney to discuss your situation further. It is very difficult to give you a clear answer without having more information.

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  • I have a lawsuit going since May 2011 against the city. I fell in a oversized pothole. when should i be finishing my case?

    My ankle is finally better since may 2011 it only took til Nov 2011 :/ I got a lawyer involved in May 2011... My ankle was sprained, ligaments pulled, bone chipped and it had fluid in it. Im just wondering should I tell my lawyer its better and se...

    Anthony’s Answer

    That is a very difficult question to answer. Anytime a case goes into the litigation process, the time it takes to resolve depends on a variety of factors, including length of time needed to conduct pre-trial discovery, the Court's trial docket, and the lawyer's involved in the case. Most lawyers do not want to begin any settlement discussions until their client has reached maximum medical improvement, as determined by the treating physician. In general, however, at least in Texas, once a lawsuit is filed, you can assume that it will take anywhere from 9 months to 2 years to resolve, but this is a very loose estimation.

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  • Do I have to legally turn the rental car in even though nothing has been done about my car being fixed or totaled.

    My car was hit on Oct. 11th,2011. It took seven day's to get a rental. I get a call today ( Nov. 1st) saying I had till Friday (Nov. 4th,2011) to turn the rental in. No one has contacted me regarding my car only to tell me that I needed to give...

    Anthony’s Answer

    Most policies have a limit on the time you can keep a rental car. If it is the at-fault driver's insurance who is covering the damage, they will only pay for the rental for the period of time they determine it will take to repair your vehicle. You should talk to the body shop about reimbursing you for your out-of-pocket expenses if the delay is caused by them.

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  • How can i get my car fixed when i didnt wreck it?

    i was driving my car one night with my girlfriend and two of my friends when i got pulled over for having a missing headlight. after the cops ran my license i apparently had four warrents for my arrest that i didnt know about which are now taked c...

    Anthony’s Answer

    You should contact your friend or his parents and find out if he has insurance. If so, file a claim on his policy. If he does not have coverage, you should file a claim under the collision portion of your policy. You may not be able to collect since your friend was not a permissive user of the vehicle, but the law in each state differs in that regard. Good luck.

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  • My Girlfriend's car was in a "hit and run". The Car that hit her's was found; no insurance, and obiously hiding.

    Her car was parked and as it looks, a mustang fish tailed into her car. The driver drove off leaving nothing, but a seriously damaged and totaled vehicle. A police report was filed and there was one witness. The vehicle was found under a car-co...

    Anthony’s Answer

    • Selected as best answer

    Your girlfriend should file a claim on her policy, preferably in the uninsured motorist area of coverage. If she does not have that type of coverage, she can file a claim under her collision coverage. If she does not have uninsured motorist or collision, then unfortunately there is no other alternative from the insurance perspective. She may, however, bring a claim against the owner of the vehicle, but it will be very difficult to recover since the witness could not identify the driver and even if the driver is identified, the likelihood of getting him/her to pay is minimal.

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  • Should I file counter-claim (3rd party) to the other driver's insurance company?

    I was in a car accident two days ago late at night on a dark rural street. It was not clear who is at fault, but we both agreed not to call the police. We did, however, exchanged insurance info. I was a little shaken up after the accident, so I we...

    Anthony’s Answer

    The short answer is Yes! If you feel like you were not at fault in causing the collision, you should always file on the other party's insurance. Insurance companies use all sorts of tools to set premiums and at-fault collisions are at the top of the list. If you do not feel you were at fault, it is imperative that you defend yourself to your carrier and also make a claim on the other side's insurance so your rates do not go up.

    Once both insurance companies have compiled all of the information, they will decide which driver was at fault, if not both, and then apportion the responsibility among the companies. Even if they decide that you were both partially at-fault, your rates may be lower than if you are determined to be 100% at fault.

    Another reason to make a claim on the 3rd party insurance carrier is to save your deductible. If you make the claim on your comprehensive/collision coverage, you will have to pay your deductible, regardless of whether your insurer thinks you are at fault or not. Depending on the amount of the deductible, that could be a hefty amount.

    Anytime you are involved in an accident you should call the police. People's memories of an event often change as time passes and the police are required to document the scene of the accident and correctly identify all parties to the collision.

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  • I was in a car accident, not my fault, the girl who hit me is 15yrs old, no drivers license nor insurance

    I was in a car accident, i was turning left with my signal light on and a truck tried to pass me while i was turning. My car got damages in the front, there is quite a few damages and the drivers side door will not open so i can not drive it, the ...

    Anthony’s Answer

    Unfortunately, many Texas drivers are uninsured. The silver lining, though, is that Texas law requires all auto insurance companies to offer uninsured and underinsured motorist coverage to all insured drivers. That means that you may have coverage on your own policy that covers your property damage and injury claims caused by the unlicensed, under-aged, uninsured driver. If you have not signed a written rejection form, you have the coverage. Check with your insurance company immediately and open up a claim.

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