Michael D. Myers's Answers

Will my motorcycle insurance pay for damage to my bike if someone else was riding and drop it

The answer to your question should be evident from your insurance policy and will likely depend on the type of coverage you bought. If you have "full coverage," the scope of that coverage may well cover damages to your motorcycle, even if you were not driving it at the time it was damaged.

Should I sue and file a lawsuit at small claims court?

Because the trees were obviously dead, you may have a claim against the property owner for the damage to your moped. And if the property owner has insurance, you may be able to submit the claim directly to the insurance carrier without having to file any suit.

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I am a 39 year old woman wanting to know if I am able to buy a life insurance policy on my single 43 year old brother?

Yes, because of your close, blood relationship with your brother, you should be able to maintain an insurance policy on him. However, Louisiana law will likely require your brother to consent to the policy on his life by signing the policy application. For more information, you should look at section 613 of the Louisiana Insurance Code (Title 22) under the heading "insurable interest."

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My friend totaled my car and I had no gap insurance.

Yes, you can file suit against your friend. But you may not need to go that far. In many states, the standard automobile liability insurance policy provides coverage when the policyholder drives another car. So, if your friend has auto liability insurance, you may be able to make a claim on that policy. Whether he or she has that coverage, of course, depends on the language in the policy itself.