Skip to main content
Jody R. Nathan
Avvo
Pro

Jody Nathan’s Answers

236 total


  • Can you help

    I'm going to make this short. My husband had one put in and had to have it removed. It's been about 3 years ago but he has all the leads in him and the Dr can't get them out. The Dr that removed it was nor from Boston sic. they thank her has it in...

    Jody’s Answer

    You have been turned down by one lawyer, you may request a second opinion. Look for a medical malpractice lawyer. They often turn down cases because medical negligence is very difficult to prove in Oklahoma. You can also check to see if the device has been recalled and if there is some sort of class action with regard to the device. Good luck.

    See question 
  • How do I prove I own the car. They have copies of everything

    I was in the process of selling my car when it was stolen and is a total loss. The car is registered in my name, I have the title. And full. Coverage ins. My ins co doesn't want to pay saying I no longer owned the car. Help please

    Jody’s Answer

    Some states say that if you are selling your car to x, who takes it without paying for it, then it's not really stolen and its not really yours. You need a local attorney who handles insurance and bad faith claims in your area.

    See question 
  • Even though I was not on the policy do they have a right to take money out of my account and if not must they reimburse me

    I asked my insurance to remove me from the policy and to stop auto payments from my account a week ago I found out they are still taking money out of my account it's been 6 months I had two cars on the policy when was mine and one was my ex-girlfr...

    Jody’s Answer

    You should change you bank account at least (or your bank) and they insurance company will not be able to take any more money out. Then contact your state insurance department and see if they can help you get your premiums back. Be sure to document when you told the insurance company to stop payment.

    See question 
  • I when i found the marks on my car i took pictures sent them to insurance.

    My car had vandalism done to it my insurance cover that however I wanted to fix it my self, i got to estatements one from my insurance and second from another auto shop. I was told i had to except their estatements which was lower under my deducti...

    Jody’s Answer

    Sometimes, it happens that the damage is within the deductible of the policy. A higher deductible means you pay less in premiums.

    See question 
  • Are not insurance companies required to show why a policy is declined?

    I purchased a new car a couple months ago and had my car insurance carrier add the new car to my existing policy. Over the course of these past two months I received numerous mail from the insurer. This evening without warning the carrier tells...

    Jody’s Answer

    I do not know the law in your state with regard to whether a reason must be given. Usually, there is a period when no explanation is necessary, such as within the first few weeks a policy is in effect. You might check with your state's insurance department to determine if a reason was necessary. The insurance company may simply have decided not to write [more] coverage in your area.

    See question 
  • Can an insurance company make me pay back $ they paid the insured for damages if the fire report deemed the fire non-purposeful?

    2 years ago myself & several others lost our homes in a row home fire. The fire appeared to have started in my home but was deemed non-purposeful & the cause indeterminable (due to the damage.) I was renting & did not have renters insurance. The h...

    Jody’s Answer

    The insurance company is demanding that you repay the money they paid on the claim. this is called subrogation. the insurance company cannot get money from you unless you voluntarily pay them or unless they sue you and get a judgment. the insurance company may have other evidence or may be bluffing. Let the homeowners insurance company know of the lawsuit, if this is what you are talking about. The homeowners insurance may offer a defense. Otherwise, contact an attorney in your area familiar with insurance and subrogation.

    See question 
  • Do I have any legal rights in this situation? I am telling the insurance I want my funds returned and they are refusing.

    I added my 19 yr old son to my auto insurance after receiving a $225.97 quote from my agent. He sent me a document that explained this was only a quote. I signed the papers to add Jeremy after I got the quote. 3 1/2 weeks later the insurance to...

    Jody’s Answer

    Contact your state's insurance department for help. Get a different agent and insurance.

    See question 
  • Am I responsible to provide insurance? Am I responsible to pay all the medical bills?

    I am divorced. I currently provide insurance for my 2 daughters but am the non-custodial parent and do not claim my girls on my taxes. I am about to lose my insurance and I pay all the medical bills. I only see my children every other weekend and ...

    Jody’s Answer

    Let mom know you will be losing your insurance after a specific date and after that time, all claims should be made on her insurance.

    See question 
  • Who's liability insurance covers accidents if a realtor/potential buyer injures themselves during a realtor visit on a rental.

    Kansas City, MO. My landlord is selling the home that we rent. We have $100k liability coverage on our rental policy. I assume my landlord has some type of policy themselves. Now that my landlord has put the property up for sale, we have had ...

    Jody’s Answer

    If someone gets hurt on the property, the injured party will likely go after all the insurance available, which means that you along with the landlord will be sued. Generally, you are not required to warn of open and obvious defects, but rather, hidden defects. If these hidden traps or snares were created by the landlord, or in a common area, it is more likely the landlord will be liable. If the problem was caused by you (think extension cord near stairway) then it is more likely you will be found liable. Medical payments may apply without fault as noted.

    See question 
  • Is this really the way insurance works?

    Our house burned down recently. We had paid for replacement insurance for the contents. They say they will pay 70% of the replacement value. As we replace items they will give us the other 30%, we have 2 years. That means we have to constantly...

    Jody’s Answer

    Yes, most policies will only pay replacement coverage when you actually replace the contents. Otherwise, they will pay less.

    See question