Yes, it sounds like you are entitled to coverage and payment of underinsured/uninsured motorist benefits. You should consult with an attorney with...

Can Attorney accept settlement without consent??

The answer is probably "no." The Rules of Professional Conduct (ethical rules that govern lawyers) say that a lawyer "shall abide by a client's...

I have sent a demand letter to an insurance company; they would like to speak to me regarding some "details". Is this advisable?

I agree with most of the other answers. What concerns me is that you're running out of time to file your legal action against the person who hurt...

Do i need find a lawyer help me to do this?

Yes, it sounds like you should speak with a lawyer to address your situation. There are certain requirements for reporting a "phantom" vehicle. You...

Yes, there would likely be a conflict of interest if the same adjuster is handling a liability claim and an underinsured motorist claim. An...

Will h/o insurance cover damage to unit from leak in roof. I now have black mold as a result. It started leaking in November .

Maybe. It depends on the policy language, source of damage, timing of the loss, the kind of policy (renter/h/o) and potentially many other...

Will the at fault insurance pay for my treatment/follow-up 8 months after an accident and 6 months since I have seen the doctor?

Insurance companies regularly try to pressure unrepresented persons into early settlements. I agree with the other answers that you should wait...