Відео

Thanks for the video. Our insurance company, Liberty, has denied our claim 2-3 times regarding property damage caused by black mold. Our landlord, who is a slumlord, told us to evacuate after a Mold Air Test confirmed the presence of mold. Considering my mom's health issues, this cost us over $2,000 in hotel fees, food, etc., until we could find a new place to live. Both the insurance company and the landlord have refused to reimburse us. Liberty denied our claim initially, stating that the mold had been present in the home for a while. This is incorrect, as there were no signs of leakage or mold when we moved in; otherwise, we would not have moved in. Our adjustor never visited the property in person, making all decisions over the phone. We had a few roofing companies inspect the roof, and none wanted to get on it due to its severe damage. Their reports indicated that the roof needed a total replacement, with missing shingles and other issues. However, Liberty denied the claim again, as the reports did not mention the damage was caused by covered perils like hail storms or wind damage, etc. I contacted our landlord to get their insurance policy information, which he provided, and we started a claim. Their adjustor visited the property, took pictures showing black mold, and confirmed that the roof damage was caused by wind, a covered peril. We informed our adjustor and provided the landlord's adjustor's information, but Liberty still denied our claim. We have since moved to a new apartment and did not bring any mold-contaminated furniture or clothes with us, threw it away. I have proof of everything: texts, calls (North Carolina is a one-party consent state), emails, etc. Additionally, the landlord has moved new tenants into the home while still working on it, which is not safe. I have video recordings, with their consent. Also a man living there mentioned he'll be working on the roof, despite not working for a roofing company. The landlord filed a claim to replace the roof but appears to be having it patched up rather than properly fixed, imo. He did the same thing in 2021 or 22 when we lived there. He's a slumlord, and I want to sue him or the insurance company for bad faith ASAP. Something isn't right. I'm so confused and don't know who else to talk to. Please let me know your thoughts.

Hi. I was driving and all of a sudden, a boy of 13 years old bumped into my car while trying to cross the street with his scooter. He was trying to cross the street in the middle of the street where there's no pedestrian cross sign. The child sustained superficial injury. Now, my insurance sent my a 5 page form that was asking for information if I have money in my savings account, stock, property, and my job place. And I was told by my insurance that the attorney of the boy's family is asking for the information. Should I fill out the form?

I need your help… I had an accident behind the car. It was i minor accident because he pushed the brake made a right turn and i was on low speed so i hit slowly his car. I gave my insurance documents to victims and filled a claim for that. Now he is saying that he has physical injury but he is a liar. I told everything to my company. Kindly tell what will affect on my drivers abstract as i am applying for jobs. So am worried about drivers abstract only

Hello, i would like any information i can get. Back in March of 2023 there was a ball bearing in my food and I ended up damaging my teeth and jaw. The teeth part is about $6000 to fix. At the time i was working in a building supply warehouse doing hard labor unloading semi's. For about a month i was given the run around from a huge company and my face and jaw got so swollen trying to continue my job just to survive. I ended up hiring an attorney, about a month after hiring my attorney i ended up getting a letter from the healthcare company my job has been paying for, for 2 years and in the letter it stated there has been an event "reduction in hours" that resulted to me losing my medical, dental and vision insurance and I was also paying out of pocket for my fiancees insurance, almost $1000 a month. But i couldn't do the same hours because of my injury and completely lost everything. About 3 weeks after that my boss sent 2 workers to the truck and fired me. Before I got hurt i was up for a promotion and the best worker for years. I've been in severe pain to the point I couldn't eat to the point of being full. After i was fired i told my attorney what happened. Me and my fiancee had to move from Airbnb to Airbnb every few days doing little side jobs for survival. My attorney gave me the greenlight to send in the evidence of what injured me and after weeks they contacted my attorney saying they're liable for what happened to me that it came from their company. By the end of July my fiancee broke down and said she can't do this anymore and we broke up. I was homeless for a week and in severe pain to the point I can't focus on anything else. I ended up moving in with my grandma. In September I was told I need to see the dentist to get monetary offers. I had to borrow money and was told that we can close the case before 2024 starts. I was told by the dentist that i need to see a specialist and im not working, i can't even sleep until the sun comes up the next day out of exhaustion, I started to get really bad migraines after the times i attempted to eat. It took me until January to get enough money to see the specialist and once I did it took the specialist 2 months to send my attorney the official records of my estimate to the adjuster. About a month after my attorney sent the demand letter i got an offer that wouldn't even cover my treatment and I refused the offer in March 2024. On may 29th i was contacted by my attorney saying 2-3 weeks to hear another offer. Im on week 4 of that and sent my attorney 6 messages this month. My jaw is swollen to the point I can't even open it, the last time I tried eating was 3 days ago and my jaw cracked / popped. I have a big abscess infection on my whole jawline to the point I need antibiotics but i have no insurance, no job and no updates from my attorney this month. The problem is that i was only able to come up with money to check my broken teeth, i still never got my jaw looked at. I need to make sure i have enough for my treatments. I also looked up healing times and for the jaw it's possible I would need surgery and they say that after a surgery that the patient will have to spend 4 days in a hospital. Also I wouldn't have loss my job / career, my wages and benefits. They offered me $10,000 4 months ago. Saying $2500 for pain and suffering. I lost my love for eating food, i went from a healthy strong 144lb man to 89lbs. I lost $44000 in loss of wages, my teeth treatment is $6000, possibly jaw surgery is up to $20000. My pain and suffering is off the charts. This global company destroyed my smile, my life. Things weren't perfect before I got hurt but i had an amazing career, years in with great benefits. I had an amazing woman, i had an amazing social life. I took so much pride in my hard work and providing / being a man for myself and my little world. I lost everything, i can't focus on anything else but not screaming in pain to relieve. My attorney is my only voice to them and more than anything I just want what I'm entitled to going through this nightmare. I don't know what else to do or how to move forward and would really appreciate any advice. Thank you for your time and attention

what if i only have liability and the other driver is at fault should i even contact my insurance

What do I do if the other driver said I side swipe them but I didnt and no police report was reported so I haven’t seen any damage and now there sending me a bill for 9,000

i have a question I have a personal attorney who is charging me fee's on top of original 35% fee. The calculations that the attorney is charging me are down right horrible and unethical . i agreed to a ten thousand dollar settlement and lawyer wants to give me $1,455.00. So lawyer off the top charged me 35% and im bombarded with all the extra fee's i was unaware of that I was going to be charged. I do not agree with attorney taking almost whole amount. Is there anything I can do? Lawyer keep sending me emails for me to sign on her calculations or fee's for me to receive my check. i have not signed their breakdown of fee's.

Does this work for home insurance as well?

If you have a totaled car from hail damage but you keep the car and take the salvage settlement check, can you still use gap/total loss protection if you have a balance on your loan?

We were rear-ended and received an ambulance bill how do I go about making the other driver pay for my ambulance bill it was her fault

I have 3 accounts first hawaiian bank Lihue Kauai Hawaii branch..why they told me my checking and savings account is not insured FDIC INSURANCE..and they didn't follow my supporting documents like, government ID, Passport, Green card,SS..

Lmk

what happen if i hit someone's back of the car and his car does not have any scratch or damaged?

hello I got in a accident about two years ago it was somebody’s else car and it got totaled. I have no insurance or license. because I am disabled I’m just really worried about going to jail because I will lose everything I have

I was involved in the accident 1.5 year ago and i had given another address to my insurance because of lower price now the other driver is asking for a claim and my insurance asking me to proofs of the address but i don’t have so what will happen will they defend me if not whats gonna happen m so stressed

I need to know what type of lawyer I need who might have a good understanding with this law? Illinois Statutes Chapter 720. Criminal Offenses § 5/17-56. Financial exploitation of an elderly person or a person with a disability. This law even state's all attorney fees will be paid within reason if they can prove guilt. A power of attorney got into two different pay on death agreements which clearly state the word agreement on the documents in the ball figure amount of $150,000 with a 90-year-old disabled person who is deceased now. I have all the proof, such as a doctors' letter of disability, pay on death certificates which say agreement, the Illinois state police investigation confirming there's plenty of evidence. Including the power of attorney who clearly admits she got into the agreement with a elderly disabled person. There's a Will, which state's nothing about giving any pay on death agreements to his power of attorney. She has connections with an Illinois county legal system, and sheriff's department through her husband who was a retired sheriff chief deputy. The State's attorney will do nothing because he knows them, who is now under review by the ARDC and attorney general's office. The FBI is reviewing the case on the criminal side, but I am looking for a civil attorney on the civil side who knows this law well. They're, state and federal laws that can be used to transfer this case to another court/county. I am assuming an elder attorney maybe?

I had just come over train tracks and was crossing the street that ran parallel to the tracks, the other driver left their stop sign and ran into the side of my car. I reported the accident to my insurance provider, they told me that I didn't have collisonand that I was on my own and they didn't have to talk to me. The other driver had admitted to causing the accident on the police report, her company came after me and kept sawing that I caused the accident. They ran me around for over one and a half months. I kept sending damage estimates which that said never arrived. After I mentioned a lawyer, they suddenly found those estimates and started working with me. Well I can say that "she was in good hands", I think they are crooks.

My current situation here, total loss... completely not at fault, I did not have GAP, my car is rare to find due to exterior and interior color combo (I actually drove 245 miles to purchase it 4 and half months ago), paid 7k cash down payment, I added extended warranties and other features and current amount owe to the bank is 25k. The insurance from person who hit me only is comparing around for generic models and therefore low offering. Their offer is 19k. Meaning, that I will be out of 7k (cash) plus the 6k (that I still owe to the bank). How is that legally possible and allowed by the law, to be a victim and ended up worse than before the accident that I did not cause? What options do I have to recuperate the difference?

They denied my claim on my home. What can I do

Just got into an accident with an uninsured and unlicensed driver. They ran a red light and we at fault. But Progressive low-balled me on the uninsured motorist claim… so I had to downsize my vehicle, my rates went up, oh and I’m still dealing with the injuries from the accident. Crooked insurance companies

Do you have to file a settlement check in your income taxes?

Need a lawyer

Mine just gives me excuses and it’s been months since my injury … I think what people say about attorneys is true… sorry to say… hasn’t heard anything… so… I agree you don’t have to talk to your lawyer that much… but if you’re being informed about the case and the lawyer’s league aid tells you oh.. “ we’ll contact you once a month to keep you informed “ and nothing… and I’m the one trying to be proactive about my personal injury case and I feel like this is a “SCAM “…. Going on with these personal injury lawyer?🤷‍♂️

Question I have attorneys taking care of the medical portion of my claim but I've been out of work for 2 months now their insurance took over 38 days to accept responsibility then I finally got a rental they gave me an amount that was unrealistic to replace my truck so they sent me comps that were not even close to my truck so I sent them comps local to me way different n they still ha nt settled they took my rental back now I've been out of a car for almost a month still not able to work I'm a sub contractor I have pip just wondering if they will cover a rental my lawyers don't do property portion of claim so I'm basically screwed at the moment any help or thoughts

Scam no such thing

I was told my lien from Medicaid was one price. Then, after I settled wound up being a little more. When I received a letter from the attorney saying they received the lien and knew what it was. And I wound up having to cover the cost? It really upset me. Because she also told me out of her mouth that I only had to pay ten percent, which it was only eight thousand dollars and it wound up being double that.

Thank you, Mr Zlotowicz.

I had this problem … I was rear ended and the other driver was totally at fault . The ins. company paid $4000 but I owe $9000 .. the finance company did not refinance the loan and I have to pay $400monthly as to not mess up my credit. No gap ins.

Kid got bit by dog and toe was amputated due to bite

I have a 2023 acura, still owe 40k, and someone hit my car when it was parked. They claimed 100% fault. If my car gets totaled, how does that work on my end. I have gap insurance so i’m sure the loan will be covered, but does that mean i’ll have no money for a new car?

Today I hit another guy and it was my mistake. There was no damage of vehicle of both of us and nobody call police. They took my number and information about car and will contact me after going to garage. Can somebody tell me what will happen next as it was not my car. I am very anxious please reply if anybody knows.

If I was not immediately charged at an accident scene as the at fault driver can I be charged at a later date?

Thank you for the great video🙏My son is 19 years old. He ran a red light and T-boned the plaintiff's car. Our vehicle is registered under my wife’s name and insured for $100,000 with full coverage. Today, an agent informed us that the plaintiff's lawyer is seeking a $164,000 settlement, which is $64,000 above our coverage. We are wondering if they can sue my wife since she is the owner of the car. Also, considering our son still in college and lack of assets or employment, what legal action could they take against him?

Hi, I am Muhammad Zakreen from Rawalpindi Pakistan. I am very happy to listen to you about very important topic.

I was in an accident. My lawyer is nearly impossible to reach. I know I’m not the only one our client, and don’t call or email excessively but to not hear back for months on end is a joke. Any suggestions?

The one with the best lawyer or will[power 😎

I appreciate all this gre at information

Hi, I was involved in car accident a month ago, I wasn’t at fault, I got other drivers insurance and filed a claim, they denied liability, then I had to contact my insurance company to help me, but at the end , they’re denying my coverage too. I couldn’t find any lawyer to handle my case, btw I live in Ohio, but accident happened in PA. What I can do ?

If the ask for 40 thousand and your coverage is 40 thousand and the insurance is willing to pay that, does that mean they can’t come back and sue you personally for more, even if you have a good job where they could garnish your wages? Thanks.

What would happen if my daughter was leaving school and the boy in the car in front of her moved up and slammed on the breaks. She hit him, but he drove off and did not say anything for 2 weeks. (I only found out about it today when he finally contacted her) There were no pictures taken at the scene. No police were called. Nothing until today. If this was done properly when it happened, I'd take care of it, but it's been weeks. I don't know what damage she caused, if he was under the influence of anything, or what I should do. It's not normally the one who was hit that drives off.

Can I get my check from my insurance company after my car was Stolen and I can't find my title

Can I get my check from my insurance company after my car was Stolen and I can't find my title

My dog just bit someone accidentally I was giving a person a long box the person reach his hand all the way in, he said his insurance will pay for treatment but doctor told him to stay home for a week with out work am I responsable to pay for that week of work please help ?Thank you

My minor daughter was in an at fault accident involving 4 cars I was just informed 3 people have gotten lawyers... Thats is all the information i have been given.. Everybody was ok at the scene thankfully but I am in a constant state of panic over the financial mess this is can be.. i like most americans now am living paycheck to paycheck and dont know what to do

Ok so I was entering traffic on freeway and was doing fine for 5 seconds when a semi came and hit me from the back but I got at fault … they were speeding so the question is do I just tell my insurance I’m at fault and what happened or don’t admit blame

Appreciate the video / general advice. Like many things and problems in business, seek to speak with the supervisor or manager. When an adjuster suddenly is hard to reach....

Hi Barry, I was in a car accident about two months ago, luckily didn’t total my car, my insurance said i was 0% at fault and the other persons insurance set me at 20% at fault, due to my statement they attempted to place me in a spot i was not at, i reported the claim and they called me to get a reassessment a while after i had asked for one and was denied, the claim is still open and a few days ago a tesla hit me due to them doing an illegal u turn, and my car is now totaled, what happens when you have two insurance claims open?

Had a fender bender in a parking lot (no injuries)which was my fault the other person's insurance wanted a recorded statement i told them to talk to my adjuster and gave them the phone number. They sounded depressed after that.

i was in the park sitting minding my own bussines with my wife and my dog , my dog was sitting between my legs , kid comes running pass me and turns rigth around to hug my dog , my dog jumps and hit him in the face with his hard head , kids gets a cut in the nose and swollen lip , i take care of the kid and fix him up and mom comes and picking up , he was alone in the park 9 year old , i explain to the mom it was a head butt but she keeeps saying it was a bite , she ask me for vaccination info and i give them to her , i told her i would pay for her deductible and never answer , untill she sue me , she send pictures of the nose cut , but never of the swollen lip . this happen in cook county public park

I got in an accident I had coverage for only damages on my car. no one was injured but I got hit with a claim for 10k so how do I know exactly why its at 10k and could they have possibly lie about them getting in injuried because at the time and the police report they said they were not injured. only damages they had to there car with passenger taillight and bumper. I have called people to figure out why it's at 10k and still can't get answers. please help