josine44 asked:


I would like to know that if your in a car accident after you pip is exhausted can your lawyer have the other insurer pip cover your medical expenses. Also on most insurance policies isn’t the bodily injury coverage any where 100,000 and 300,000. The reason for this question is my insurance company wants me to pay for my shoulder surgery out of my settlement.

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The Misses asked:


a relative got into a minor car accident (at fault because he didn’t have the right of way). my relative was unfortunately uninsured at the time.
still agreed to pay for whatever, didn’t flee or whatnot.
He answered all the “victim’s” insurer’s questions, etc.
Now the “victim’s” lawyer has contacted us with the total amount saying he should contact them soon.

There was no delay in contacting anyone on my relatives side.
Is the victim suing? What should he be prepared to know? Are there installment options? What are his legal rights?

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Crystal asked:


After my accident I opened an injury claim with AAA, the insurer of the car at fault. Then I got a letter saying since they hadn’t heard from me in a few months that they would just close the the claim. I still have back pains and don’t know how to handle the insurance claim.

I’ve tried meds for my back, and they all just make me really tired or disagree with my stomach. I’ve also tried physically therapy a couple of times but it just made it worse. I don’t know what to do to save my back and and I don’t know how to make sure I am repaid somehow for pain and suffereing. So I guess I’m looking for legal advice too? I’m only 23 and I have back issues and it’s not my fault! What do I do? I’ll take ANY kind of advice…Dr’s? Lawyers!? HELP ME PLEASE!! Thanks!!!!!

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Sasha asked:


In US admiralty (maritime) law:

Vessel A is pirated (hijacked). The pirates crash Vessel A into Lighthouse B.

Vessel A is insured by Insurer A. Lighthouse B is insured by Insurer B.

Insurer B compensates the owner of Lighthouse B for the loss.

Insurer B recalls that under US admiralty law “a vessel that allides with a fixed object (unless it is submerged) is presumed at fault.” The liability seems clear except for the fact that Vessel A was hijacked and not controlled by its owner when the loss occurred.

Insurer B would like to subrogate his loss if possible. Would it be reasonable for Insurer B to sue Insurer A to transfer the onus of the loss, or does the fact that Vessel A was hijacked preclude that in some way from being a good idea?

Also, would it affect anything if Vessel A had sought a “limitation of liability” (to the cost of the vessel), “having neither privity nor knowledge of the circumstances causing the casualty” in a timely manner?

Fictional scenario. Thank you.

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Ricky asked:


Hi,

Had a car accident last night, the vehicle just repaired and transported as it was not road worthly, Vehicle was purchased on 12th Jan, and transported to body shop on the 6th of Feb and the car becamne road worthy on the 16th feb, I had my accident on the 22nd Feb, i was unable to contact my insurer, but I am covered over 14 days if I unable to contact them.

What do insurance need from myself to complete this claim.

Thank You
Please contact me if you are a car trader or lawyer, thank you – mac20586@hotmail.com

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