Recent content by Juan Rodriguez

What is the name of your state? VA Currently, there are no provisions in our HOA laws that prevent known sex offenders from purchasing homes within the Association. Is it legal to amend the HOA rules to prevent known sex offenders from moving into the Association?What is the name of your state?

According to the Florida Department of Insurance: “’Accident’ means only an unexpected or unusual event or result happening suddenly.” Which means that any contact between two vehicles that was not an intentional act is an accident. No damage to either vehicle would be a fortunate event for...

You weren't specific as to who is processing your claim. If the other company pays the claim then there is no need to file suit. If your company pays then they will most likely go after the other carrier (or the owner if the claim was denied) for what they paid out plus your deductable...

What do you mean that your rights were violated? Since you were only insured for the minimum (PIP/PD) and you appear not to have had BI coverage, then you were ripe to be sued. You may have to pay to have it drop off your credit report if you have already satisfied the judgment. It will...

Contact your adjuster first and see if your carrier intends to subrogate (go after the other driver to recover what they paid out plus the costs you described) against the other driver and what they usually consider recoverable on their part. Based on that answer you may want to file in small...

It is better to have this taken care of the right way now. If you get a judgment against you even under mistaken identity it will cost alot more to fix than to have your insurance company defend you now for free. Fax and then mail (certified return reciept) to you insurance company with the...

Here's how it's done in Miami: 1.) Drive to down town 2.) Drive around looking for parking 3.) Find a spot and put money in the meter 4.) Walk six blocks to the courthouse 5.) Set off the metal detectors at least twice trying to get in 6.) Fill out the request form 7.) Stand in line for...

If you are a resident relative and are not listed on the policy then you may not be considered a permissive user. When purchasing insurance, most policy applications ask you to list all licensed drivers in the household. If there is a loss involving a driver who lives in the household and is...

You are not going to get any responses on this site because you've already had two attornies in two different states tell you the same thing. FYI: In Florida bodily injury damages are based on an injury threshold not a monitary one. In theory anyway, you are compensated based on how badly you...

The statute of limitations is for filing. The 20 days starts they day you are served. You will need to be more agressive with your old carrier. Contact their home office and legal department. Try the DOI Help-line for contact numbers & names: 800-342-2762

Here is the definition from the Florida Adjusters Manual: "...Comprehensive coverage, losses from glass breakage, hitting a bird or animal, and falling objects or missiles (although they are from collisions with another object) are treated as covered under Comprehensive Coverage."

1.) Have you turned the suit papres over to your insurance company? 2.) You have 20 days to file an answer to the complaint. 3.) The statute of limitations in FL on 3rd party auto claims is 4 years.

Based on the amount of your damages then you might be well advised to take the bagger to small claims court.

I am asuming you made a claim through your carrier. Have they told you that they are subrogating against the bagger in an attempt to re-coup what they paid plus your deductable? Remember, commissary baggers work only for tips.

First of all they can't cancel your policy for this claim. But, they do have the option of non-renewing your policy. Talk to your agent to see if he/she knows the underwriting guidelines for your carrier. It all depends on a formula based on the number of claims over a certain number of...