How can I sue a company that's no longer in business?
Hi, You can file in small claims court using their last know address It is up to the sheriff's department to serve the papers and attempt to locate the owners. The case cannot proceed until they are served. When you file be sure to check the box stating that the defendant is responsible for all fees. JOSA
What happens if the title insurance company closed business?
Ray, are you saying the title company closed, or are you saying the insurer that wrote the policy is no longer in business? It isn't clear from the information you gave, but here goes: Usually, the title company does not underwrite the policy. You need to check the policy and see if the insurer is out of business--the title company and the insurer are not the same. If you find the insurer is no longer in business, you should contact the insurance department in the state you live in, and find out if these policies were assigned to another insurer. The state insurance department should be able to tell you whether or not your home is still covered. If the settlement company ( title company) went out of business, but the insurer is still in business, then you have nothing to worry about. That's where I'd start. Good luck. ps- the other person who wrote an answer is wrong. You don't pay on-going premiums for title insurance, it is a one-time payment at settlement of the property.
Insurance company lied to me! what can i do?
That’s very strange. I cannot think of any reason to delay a claim settlement payment, except if the claimant is under age 18. When a claim involves a minor, they will sometimes use a “structured settlement,” which defers the payments until they get older. Since you were not a minor at the time, this was not required. A structured settlement could have been used as an option, but if it had been you would have been provided with a copy of the settlement agreement and the Annuity Policy. (And the Annuity Policy would have been issued from another insurance company.) You should have some paperwork on this, and if you do not, you would have to request copies from American Family. I believe the statute of limitation is 5 years in Missouri. If that time has not yet passed, you have to option to bring a lawsuit against the tort feasor (meaning the other at-fault driver/owner of the other car). An insurance company will not destroy their claim files until well after the statute of limitations has passed. That means American Family most likely has that file. If you are not getting the correct answers when calling American Family, it probably means you are not talking to the correct person. You have to keep asking the same question, and if they cannot give you the correct answer, you must ask to speak with their supervisor, or just call the CLAIM MANAGER. (It is possible they simply told you they cannot access the file because they don't have it there. Typically the closed files are sent to an off-site storage facility, which means the file will need to be recalled from storage.) It is possible this is just a big misunderstanding. But you need to get to the bottom of this. If you can prove American Family breached their settlement agreement, then you can sue American Family, and the statute of limitations will not be a problem. The statute of limitations for a breach of contract does not start tolling until the date of the breach. Again, if there was a breach of contract, then the statute of limitations would not be a problem.
How long does it take a health insurance company to pre-authorize an MRI?
My doctor ordered an MRI for me three days ago. He sent a request to my insurance (blue cross blue shield) and I have still not heard from them one way or the other. Is three days too long or does the claims process take longer than that?
Will an insurance company not hire me as a claims adjuster if I have filed bankruptcy?
Probably not, but it depends on how skilled you are. Under the new regulations being put out by the FDIC and CFPB, financial employers are taking very detailed looks at the financial habits of their employees. Many finance companies are no longer hiring entry-level candidates with minor property crimes, civil judgments, bankruptcy or foreclosures. This is doubly-true for banks. The new regulations are driving the changes. In addition there is a very large pool of unemployed entry-level workers in the USA, so any reason to turn-down a job application early in the process is used. Criminal and credit checks are typically done after the first phone interview. This leads to the "I can't be a job because I have no experience" catch 22. But skilled workers are in high demand. So if you have a solid background and superior education, the company may overlook a 13 - especially if you can explain that you affirmed most of the debts.
Why do sick people think it should be the insurance companies responsibility to pay for their problems?
The same reason I expect Costco to let me walk out of the store with the cart full of groceries that I paid for. I expect all businesses to honor their commitments and do what I've paid them to do. In the case of health insurance, I pay them to take on the risk of high medical costs for myself & my family.
My uncle had a chainsaw stolen; the insurance company paid him for his loss. Then, after he replaced it..?
He returned it immediately and kept the money.. As he didn't want that machine any longer. Is this in any way illegal, or does he have to keep it, because the insurance company paid for it's replacement?