Skip to main content
Eric B. Dick
Avvo
Pro

Eric Dick’s Answers

757 total


  • How long does the homeowner insurance have to respond to a lawsuit

    i want to sue my homeowners insurance co and would like to know if i do how long do they have to respond to a lawsuit filed

    Eric’s Answer

    The monday following 20 days after they have been sued.

    See question 
  • Can we cash the check without sending it to the finance company and spend it how we choose?

    Hail damage to a financed vehicle because of recent storms. Received an insurance check in only our name. The insurance company said no lien holder and that is why the check is only made out to us.

    Eric’s Answer

    It's probably a bad idea to blow the money without fixing your car for a lot of reasons.

    See question 
  • Is it legal for Employer to purchase life insurance on his employees, where he is the sole beneficiary

    Employer has purchased life insurance on his employees, where he is the beneficiary. Is that morally or legally permitted? Even after the employees leave the company, he maintains the life insurance policies and has cashed in the policy previously...

    Eric’s Answer

    As long as he has an insurable interest.

    See question 
  • What do I do if the insurance does not pay it off in full. Also if the car is totaled then am I entitled to a refund?

    My car was damaged by. It might be totaled because of hail. I'm a truck driver so I'm not at home to move the car to a safe place. I also signed a waiver that does not allow me to let anybody else drive. I do not have a spouse. The car has no...

    Eric’s Answer

    Make an insurance claim.

    If the insurance company doesn't want to pay you every penny they owe then you should talk to a lawyer.

    See question 
  • Can I sue for the life insurance, based off his memory loss? And possibly discrimination being treated as a third party?

    My husband passed away January 8, 2016. His life insurance was denied, due to missing a payment in September 2015. He was diagnosed with an infection in his spinal fluid, that caused memory loss. His death certificate lists it as one cause of deat...

    Eric’s Answer

    I have sued a few life insurance companies.

    Sounds like it will be tricky.

    Talk to an experienced insurance lawyer

    See question 
  • If I sent a demand letter without an attorney could I damage my case? What do I have to lose?

    I have a case where the insurance company denied my hail claim on the following grounds: Exception: wear and tear. There are no dents but cracks, scratches and chips because the panels are fiberglass and do not dent. I do not want to drag this o...

    Eric’s Answer

    Yes it sure could.

    Insurance company could file a declaratory action in federal court.

    See question 
  • Do they have a legal right to handle the claim in this manner? We are directly impacted, and they will profit from our losses.

    Our community was hit very hard twice in the last three weeks with hail storms. We have significant roof damage, and have filed a claim with our insurance company. The adjuster reviewed fhe damages and gave us a check, made payable to us and BOA (...

    Eric’s Answer

    in addition, I believe Texas Insurance Code requires that the mortgage company release funds within a time certain after work has been complete.

    If your insurance carrier gives you any trouble don't hesitate in seeking counsel from an experienced insurance lawyer.

    See question 
  • Can the homeowners insurance company not pay my claim cause of that

    My home was burglarized and I don't have any receipts maybe a few photos

    Eric’s Answer

    And you can sue them for it.

    See question 
  • How should I handle this situation i feel like my insurance company just dont want to pay my claim cause I don't have receipts

    I have given my homeowners insurance company photos of things that i had stolen i a given them a list of things that were stolen and a list of similar items to compare i have had a interview with a investigator they have come out an taken picture...

    Eric’s Answer

    Many people feel the same way.

    Consult with an attorney if you think your insurance carrier is trying to find excuses not to pay.

    www.dicklawfirm.com

    See question 
  • How long do they have to pay my claim the adjuster said that i have to pay my deductible

    I can't afford to fix my garage door after my home was burglarized i did repair the door leading into the house but the burglars came back into my garage i called the insurance company and let them know what happened but they seemed unconcerned it...

    Eric’s Answer

    By the 15th "business day," the insurer must notify the claimant that it accepts or rejects the claim. They can ask for a 45 day extension of the deadlines.

    If you give you any problems I'd suggest contacting an experience insurance attorney.

    See question