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Julia Said:

Liability insurance?

We Answered:

An insurance company, call around and get a few quotes. You may want to check with your auto or home owner company as they may have a discount...

Jennifer Said:

How can I be exempt from liability insurance?

We Answered:

Usually you can be exempt by providing a certificate of a bond that proves you have the means to pay a judgement against you.

This doesn't work in all states. Some states that aren't true 'compulsory' auto states are what are called 'financial responsiblity' states.

If Texas is a 'financial responsibilty' state, then you can opt out of liability insurance by proving you have the finanical reponsibility to pay a claim.

Pedro Said:

If someone with only liability insurance hits you from behind is it their responsibilty to handle you med cost

We Answered:

since you were rear-ended, his liability insurance will cover the cost to repair your auto and your bodily injury;

fighting saints is correct on time frame and possibility that you will need your own insurance company to pay for your medical bills and they will then go after the other company for reimbursement;

some other notes; if other party was either DWI or under the influence is to your advantage if proven; most companies want to settle asap on these cases;

also; dont belive you are worth 3 times more than your medical bills; i have been in the insurance industry for over 10 years and 4 companies, and i have yet to see this; you have a soft tissue aka "whiplash' injury; this does not have a lot of value, so if you expect 3 times, you will be fighting the insurance company for the next 2 years with the same result;

now if this was a serious injury; ie; fractures, scarring, surgery, disfigurement, brain injury, permanent impairment, etc, that is a different matter;

also; once you settle, they will have you sign a release which means, if you believe it is not enough to pay your medical bills, you are precluded from suing the other guy, since the release also releases the other guy from being sued; that is what insurance is for, to protect the insured from being sued;

my suggestion; do not settle until you have finished treatment for your injury; at that time, see what they offer you; if you believe it is not enough, you can then seek the advice from an attorney; but an attorney will take 33% of any settlement; there is no guarantee that you will make more with an attorney then you do on your own after the 33%. but that will be your decision to make;

good luck

Dale Said:

Liability insurance from moving/rigging company?

We Answered:

Damn right I'd be woried!!!!

I have worked in trucking for a long long time and have had customers request copies of our insurance coverage.
It's as easy as 1-2-3-.

1. Ask the customer for his fax number, and who should it be sent to the attention of..............
2. Call insurtance department, identify yourself, and ask for a summary to be sent to a fax and to the attention of....
3. In a day or two, call the customer and see if he got it.

Now, perhaps this is a large piece of machinery,, so large that it requires special coverage and that might delay things a bit. In this event, someone from the moving company would have to call the ins co, saying " I have a special job , it consists of..." and at the most, that should take no more than a few hours.

Now, call them tomorrow morning and tell them your boss is breathing down your neck for this information. and ask them if you can have it by noon. If they give you the , " well, Mary is out of the office and the insurance company is having their company picnic, it;s time to say "BULLS###, just tell me, do you want the job or don't you want the job.?"