For personal injury, it is 2 years for a negligence cause of action.
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The other driver is liable for the $8k total damages, even if he only has $5k in coverage. He is then responsible to pay the remaining $3k. However, given that he did not have any more than $5k in property damage coverage, he probably doesn't have much in the way of assets to pay the additional $3k. You will need to probably make payment arrangements with him to pay the difference.
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Most likely the dog owner is responsible for the vet bill. I don't see a set of facts where you would be legally or practically responsible for the vet bill unless you essentially fed the dog the foreign object.
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You have two years to settle your claim or file suit. However, you may be barred from bringing a successful lawsuit depending on what your gym membership and release says. That may be one of the reasons why most of these attorneys are not taking your case.
If you had a valid GAP policy, then the GAP policy should cover the loss. If your company is not paying for your loss, take your whole policy and bring it to an insurance bad faith lawyer to review.
As Mr. Stutes is a Louisiana attorney, I would follow his advice. It would also seem to me that you could return the washing machine to the store if you had a receipt. Stores usually like to have repeat customers and they can typically perform an exchange for you. If there was an additional cost in installing and setting up the washing machine, the manufacturer may be able to reimburse that cost under the warranty agreement too.
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Immediately consult with a medical malpractice attorney. In California, the statute of limitations for a medical malpractice case is approximately 1 year from the injury or discovery of the injury, so you need to act fast.
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Not a Michigan lawyer, but in California the other driver's insurance company still pays for the damage even if you were uninsured at the time. You could be fined in California for driving without insurance.
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Allow your insurance company to handle it. If the damages exceed policy limits, then you risk exposure. However, unless additional damages are easily collectible from your personal assets, then the motorcyclist will settle for your policy limits.
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I am not a tax lawyer and my advice to my clients who ask the same question is to ask your accountant or tax preparer since they are tax professionals. However, my understanding is that personal injury settlements are not taxable for income tax purposes UNLESS a portion of the settlement is to reimburse past lost income or future lost income. I have always been curious how the IRS would be able to determine what portion of a "lump sum" settlement was for lost income, but it's better to be...
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