Retro Active billing

Senario: Employment terminated May 3rd 2008. Medical coverage continued until May 31st 2008. Was told by medical service provider that the soonest i could be seen was June 6th 2008. After telling her the situation she assured me i would still be covered since I made the appointment before the cancellation date. Upon arrival at the medical office, we confirmed the coverage and was told we would only be responsible for co pay and lab work. almost 4 months later I recieve a bill from the medical provider stating I owe for the services and after explaining the situation I was told that their computers would have shown coverage but the bill is retroactive to the termination date. What can I do? How can I remedy this situation? Can they even charge me if i was told i would only have a co pay? Please help

benificiary

What is the benificiary of a life insurance policy responsible for?

divorce

I have been married a little over a year but due to physical, verbal and emotional abuse divorce is where I want to go. My husband has never held down employment for any length of time. I want to know am I obligated for his health insurance since he has none, when we divorce. No children, no joint assets or property

Life insurance and suicide

My father committed apparent suicide on July 16, 2008. His life insurance policy has a 2-year clause that states only premiums will be paid out if the applicant commits suicide within 2 years of the policy date, which was August 1, 2006. Meaning, he committed suicide 2 weeks before his policy would have paid out completely. Is there any legal recourse for this? Is there a scenario where this money could be collected?

Sincerely,

Michael

Neighbor's Tree Fell On My House

10 days ago we had a wind storm that caused my neighbor's tree to begin splitting. I contacted her about getting the tree cut before it fell on my house. She contacted her insurance company and also received two estimates of $5000 to cut the tree. He insurance inspector that looked at the tree said it was unsafe and needed to be cut but wouldn't cover it because it hadn't actually fallen. They gave her $500 to help with having the tree cut. She said she couldn't afford it and told me she would wait until the tree fell on my house and then her insurance would cover it. The tree fell on my house 10 days after the storm. Now her insurance is saying they will only pay for the part of the tree on her property and I am responsible for the removal and damage on my property. Is this true? I think she was negligent because she knew the tree was unsafe and did nothing to have the tree cut.

Health insurance fraud

Ten years ago, my boyfriend (we lived together) put me on his family's business insurance policy, United Health Care. On the application, he stated that he was adding his wife (we have never married, but we did live together for four years). The owner of the company (his mom) signed it, as well. Wouldn't that be considered insurance fraud? We are in Texas. I know its been a long time, but he says not to worry, as there is a statute of limitations and that they can no longer come after him because it has been so long. Is that correct? It makes me a bit nervous , even now. If United found out, even now, that they lied back then, what can happen?

Looking for your help!

Car Accident

Hi there,

For the 2nd time in about a year, my car was hit while parked on Christmas Eve morning. The person driving apparently had a seizure, hit my car very hard, kept on going down the street, and hit two more cars. My car and his were the only ones totalled. He was an elderly man, who I am told began taking off his clothes as he had urinated during the seizure, and he has since been admitted to a mental institution I am told.

I finally got a hold of his insurance, and his insurance is trying to say his seizure was an act of God. I've never heard this before. He was on seizure medication, but who knows if he had taken it. I know you're supposed to be seizure free 6 months (at least) before driving. He has a known seizure disorder and I've been told he's mentally unstable from people who also live in my apartment building. I feel helpeless as now it looks like I'm going to have to pay my dedictible for what he did, just like I had to do the last time as last time the person didn't have insurance.

My car was destroyed - the trunk was in the back seat. What are my options? Or do I have any? I talk to his insurance again tomorrow as my mom has been dealing with this situation as well (I'm 25) given I work a lot.

Was Hit and Not Insured

Someone backed out a parking spot while I was waiting in line for gas. A police officer was stopped at the same gas station and saw the whole thing and the man who hit me said to him, '' I know it was all my fault..totally. I just didn't see her.'' The officer did not take a report though. He gave me his name, number and name of his insurance company. I however, am uninsured. Will this affect my getting my car fixed, even though it was not may fault?

Thanks!

Liability issue

My sister's husband's truck was wrapped around a telephone pole. It was not driven by him. There was no insurance on the truck.

Her husband is now in jail and the telephone company is contacting her to get repayment for the pole. She was not near the truck. Her name was not on the loan. She did not even know where her husband or his truck was when it happened. She had not seen or heard from him in 2 months at the time.

Is she liable for the repayment to the telephone company?? What are her options?

Car Accident 1 Year Ago

I got in a car accident one year, backing out of my driveway I hit a car passing me by. I hit the rear left end side, right after the tire. The back right light of my car went out and a dent in the bumper. The other driver said they would go thru insurance as a hit and run, but they asked me to pay for rental car costs which I did. I am now being sued by their insurance company to pay for the damages almost $6k. What are my options, do I need to hire an attorney? Is it too late to go thru my own insurance? I was insured at the time of the incident, can I still file with them although its been a year?

medical insurance coverage

My question is regarding medical insurance coverage here in Texas.

My bother had back surgery on Sept 10, and has been on medical leave since then. He is still under medical supervision. The corporation he works for knew that he was going to have back surgery. It doesn’t take a rocket scientist to see that back surgeries take long time to recover. Unfortunately, today he found out that his medical coverage had been cancel since Sept 30. He called his HR department and they told him that the company could cancel the medical insurance with out any notice at anytime. I called his company corp. headquarters and they told me that they had canceled his medical insurance because he had been out of work for long time. I also asked them why they didn’t let him know in advance so he could had made the proper arrangements so that he would not had ended up with medial insurance. His corp. headquarters’ response was that since he had just inquired today about his insurance they were bareky going send him the notification and that if he want insurance coverage he would have to pay the cobra insurance.

I think that this company acted on bad faith by by cancelling his medical insurance. what can he do.

Car Insurance Law

Dear Esquire,

I was recently involved with a car accident. A man in the left lane swerved into my lane(right lane) just as I was about to pass through a green traffic light. He did this to avoid running into the back of a lady who was turning left at that light. My car is now totaled and his insurance company is not willing to pay up. They claim that the lady who was making the left turn was a part of the accident. Since I didn't get her insurance info they refuse to handle this case. The fact however is, the man who swerved didn't collide with her, he collided with me. She in effect was not a part of the accident. Is there anything you could advise me to do? I thank you for reading my email and I hope to hear from you.

Warmly,

Nick

Auto Insurance Liability Pickle

I backed my girlfriend's Mother's vehicle into a parked car in a private parking lot. The vehicle I was driving sustained no damage, but the car I backed into sustained minor damages.

I had the police come and write a non-reportable collision report. I understand, now, that the insurance follows the vehicle and not the driver, but here's the twist; I did not have the explicit consent of the vehicle's owner to drive it.

Is her insurance company still considered ''Primary'' even though I was not authorized by the owner to operate the vehicle?

If not, would my policy cover me while driving a vehicle without the expressed permission of the owner?

Also, are there other potential legal ramifications for my lack of explicitly asking permission to operate her vehicle?

I've expressed interest in paying for the damages to the other vehicle out of pocket, as I do not want to burden my GF's family; but, having knowledge of the auto repair industry, the initial estimates seem a little on the high side. And I am afraid of being taken for another ride.

So it would seem that my only alternative is to turn to the insurance company.

Thank you for your time,

-Pickles

Insurance not paying ''basic'' medical bills

We keep recieving medical bills from our family doctor. The dr. we go to for check ups and BASIC medical care, should be a $20 co-pay, and that's it. We have repeatedly called both the doctors billing dept. and our insurance. The billing dept. says they have trouble with our insurance all the time (they only have a handful of patients who use this particular ins.) & to disregard the bills. The insurance co. says ''They are sorry'' and they will ''take care of it'', but the bills keep coming & it's been almost a YEAR! My concern is that this will end up going to collections and go against my credit score. What should I do to get this matter resolved? What if it DOES go to collections?

Car Accident

A car hit me on Friday while I was on my bike. I am homeless and now I cannot get a job because she injured my foot. How do I go about getting compensation from her insurance company, including compensation for not being able to work anymore?

Finality of Arbitration decision

If an arbitration panel decides that they can not make a determination of fault in a 5-way car crash, and decide to leave the insureds as they are,

1.) Is this a true decision, and Can this decision be appealed?

2.) Can one of the car crash victims sue the others to get her deductible, etc. back? By assuming that it was not part of the arbitration?

Neither my insurance company nor the one representing the party at fault will provide a copy of the proceedings or decision.

Thanks.

life insurance,funeral expenses

i am a benenificary on a policy. i had nothing to do with arrangments.funeral and flower shop is trying to get me to pay just because i am the benenificary on policy.undertaker was given life insurance policy numbers.am i obligated to pay these bills?

Texas commercial auto policy

employee spouse and kids driving car owned by spouse employer with permission on personal trip. Employee has fault accident. Can spouse/kids sue employer

fire damage

my cousin lost her life in her home due to unattended cooking which resulted in a fire. The buildings on both sides of her building are owned by the same person. My cousin had no insurance on the building or her life. The letter from the neighbors insurance company claims $60,000 in repairs already with a possible $250,000 more in repairs. She had no will and leaves behind a 14 year old which the family is caring for. Our hope was to sell this property and put some money aside for the daughter. Can they come after the money?

Auto accident lawsuit

I was involved in an at-fault auto accident in August of 2005. I was driving my father's vehicle at the time, with his permission. I did not live with my father so this was a once in a while kind of thing. My father's insurance paid for the vehicle and my medical bills. The other driver was not insured and is now bringing a lawsuit seeking lost wages and medical bills. I'm no longer with that same insurance company, so are they still responsible if any type of payout is needed? Does the other party even have a liable case, knowing that they didn't have insurance? Should I seek legal counseling or hire an attorney?