How long does an insurance company have to offer me a total loss value on my vehicle?

A week is not so bad butt still, stay on them and if you begin to feel they are giving you the runaround, threaten legal action and consult a local...

How did I get signed up for this insurance, any insurance would have been for Disabilities and why or how I got signed up?

Have to pay attention to what you signed. Contact insurance company and ask for documentation showing you approved this.

The only way he would have been able to obtain medical records (legally) is if there was paperwork on file with the medical provider as being able...

If appropriate medical standard of care was not followed, which initially appears it wasn't, then you would have a case. It is best to consult with...

What can I do next I can send you all the emails between the insurance agent and me. ....

The opposing insurance company, knowing you do not have legal representation, will always offer a low-ball number. Best to consult with a local...

Am I responsible for cargo?

It's all in the "details" of the contract. Might be a good idea to speak to a local attorney to advise you on what you can and can't do.

Can I file taxes with my husband if I am yet to get my SSN? Or be claimed as a dependent?

Yes but you will need to get an Individual Taxpayer Identification Number (ITIN) Here is a link that explains what you need to do:...

Was this originally reported to your insurance company at the time of the incident? If so, I am not sure why they would not be offering a defense.

Is it lawful for a hospital to assign a bill to a collection agency before the patient has received a copy of the bill?

Sounds odd that a collection agency sent a letter two weeks after discharge. Some hospitals have "contracts" with doctors, anesthesiologists, etc....

Do you have a lawyer? If not, get one. If she has an attorney and you don't your will be taken to the cleaners. Moving this to divorce/separation...