Posts tagged "Negligence"

Should i threaten to sue my OB doctor for negligence?

Question by freinds F: Should i threaten to sue my OB doctor for negligence?
im 32 weeks pregnant. i have a physcvially demanding job where the stress from my abuisve boss has become so much that i am having contractions. i also had bleeding last weekend. i aske my doctor for a note and he was more concerneda bout the insurance compnay?? He starts going on about ” Oh the insurance compnay is going to want this and that ” i said ” what are you talking about the insurance company ” he says ” Oh the short term disablity insurance” i said ” I do not even care if i get that, what i need it a note to quit working this is bad for my baby ” Then he says ” oh no its not” then he goes on to say i dont have the kinda stress thta casues problme for a baby- not knowing ANYTHING ABOUT ME. like my history my life story or anything and then saying i dont have as much stress as the women in afghanistan ( what does that have to do with anything?) anyways i feel like faxing him right now and let him knwo hes not doing his job and i dont appreciate his attitude and if anythi
anything happnes to my unborn i will sue him personally for negligence.
Um becasue i dont watn to become homeless steven you dip shi t

Best answer:

Answer by steven c
why not just quit your job if your boss is a dick head?

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Deciding Which of the Home Insurance Quotes is Best For You

Everyone needs to have home insurance, but not everyone knows that best way to get the cheapest insurance for their needs. They usually contact one insurance provider and accept the first quote not realizing that there may be cheaper quotes for more coverage available to them.

With so many insurance providers with an online presence, it is now possible to get a home insurance quote from several providers and purchase the policy completely online. This insurance also covers your belongings, such as your furniture and clothing, as well as any outbuildings you may have on your property. The coverage for your belongings is equal to half the amount of coverage for your home.

Along with the coverage you receive in case of accidental damage to part of the home or if it is completely destroyed, you also receive coverage in the event that you are sued for negligence if a person should be injured while on your property.

Choose the type of coverage you want when you request a home insurance quote. The coverage does determine the cost because there are some things that are not part of a standard homeowner’s insurance policy.

If you want flood damage, for example, this will incur an extra cost. The same thing applies to insurance on valuable artwork, furs or jewelery. Make sure you include all the necessary information so that you get an accurate quote for your coverage needs.

The deductible you choose also affects the price of home insurance quotes. By contacting the websites which provide you with home insurance quotes, you will be required to fill in the form available online. If you have any queries about the provider or the policy, you should not be afraid to ask any questions. The quotes provided to you have a validity of two months so it provides you with ample time to make up your decision.

Now days, home insurance is the mandatory requirement of every home. You can opt from different types of coverage and premiums that fit your budget. insurance will not only make you feel secure and protected but it also provides you with the peace that you have somebody to bank on in case of any unfortunate circumstances. If you are thinking about getting a home insurance or even the renewal of your insurance, trying out the insurance quotes available online can provide you with the most appropriate option.

Many out there still do not know how to go about getting the right and cheap insurance for their needs. They still depend on one insurance provider for coverage, which is never the best way to shop. I am sure you want to get all your other properties insured and enjoy at least half of the amount of coverage for your home. Here’s a look at why home insurance quotes don’t say anything about flooding, and what you can do to keep from being washed away.

The problem is that most insurers hand out home insurance quotes and issue policies to multiple homes in a single neighborhood. So you, your neighbor, your neighbor’s neighbor and thirty other houses over a six block radius could all be covered by the same insurance carrier. Since floods don’t have the good manners to count the number of houses they’re wiping out, insurance companies could rack up millions of dollars in claims in a single afternoon.

Just look at Hurricane Katrina.

With that in mind, it’s easy to understand why flood coverage isn’t standard issue with most home insurance quotes.

Insurance Company Refuses to Pay

I received a call from a man who told me that his home had been destroyed from fire and water damage in Queens. He didn’t have homeowners insurance and the condo association and the owner of the building refused to pay for the contents of his apartment. He didn’t know what to do or where to turn.

When the condo association only wanted to pay to replace the basic walls in his condo and some basic cabinets, without compensating him for any of the personal items in his home, he was frustrated because he knew that they should be paying. Importantly, he had nothing to do with causing the fire or the damage to his apartment at all, and the responsible party was not stepping up to the plate and doing the right thing.

He came to me for help to file a claim against the condo association, the owner of the building, and the roofing company that actually started the fire. Watch the video to learn more.

If you find yourself in a similar situation where your homeowners insurance has failed to pay and compensate you for loss of your apartment or home, I urge you to explore my website http://www.oginski-law.com for more information. If you have legal questions, then I encourage you to call me since I can answer your legal questions at 516-487-8207 or by e-mail at lawmed10@yahoo.com. I welcome your call.

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Insurance Company Refuses to Pay For Fire Damage

http://www.oginski-law.com

I received a call from a man who told me that his home had been destroyed from fire and water damage in Queens. He didn’t have homeowners insurance and the condo association and the owner of the building refused to pay for the contents of his apartment. He didn’t know what to do or where to turn.

A thorough investigation revealed that a roofing company caused the fire while putting on a new roof. Their apartment did not sustain any actual fire damage, but instead was totally destroyed from the water used to put out the fire.

He came to me for help to file a claim against the condo association, the owner of the building, and the roofing company that actually started the fire. Watch the video to learn more.

If you find yourself in a similar situation where your homeowners insurance has failed to pay and compensate you for loss of your apartment or home, I urge you to explore my website http://www.oginski-law.com for more information. If you have legal questions, then I encourage you to call me since I can answer your legal questions at 516-487-8207 or by e-mail at lawmed10@yahoo.com. I welcome your call.

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Is it possible to find out a neighbor’s homeowners insurance company without asking them?

We have a neighbor with a hazardous, threatening tree that they refuse to deal with or let us deal with. We’ve been told that if we alert their insurance company they will probably force the homeowners to remove it. But how can I find that info out?

Due to the privacy act there is no way that I am aware of that you could possibly find this information. However in the meantime if you believe that this tree is a hazard and have tried to resolve this verbally it is now time to take it to the next level. As diplomatically as possible write a letter to your neighbor stating that it is your belief that the tree poses a danger to you and your property. In the letter you should offer to help pay a portion of the cost(s) for an inspection of the tree by an arborist and/or the cost of trimming or removal of the tree. Give a deadline for action on this matter. If the situation is not resolved by that date write a 2nd letter and again in a diplomatic fashion outline the same information but include a statement to the effect that if the matter is not taken care of and you subsequently suffer any damages you will have no option to but to sue them for their negligence–again give a date for compliance. Both of these letters should be sent via certified mail return receipt request and you should list on the bottom of the letter that you are sending a cc to your attorney and list his or her name. If both deadlines pass without any action, please consult your attorney. In a similar case that happened to one of my clients, the attorney wrote a letter and the matter was then resolved. However, if they do not respond to the attorney it is my understanding that they can be sued for having a public nuisance (I am not an attorney and this is my recollection of the terminalogy used in this area for this type of hazard). At the same time you are doing this you can also be calling your local housing compliance authority or if you are in a homeowners association call them and bring this matter to their attention so that they can also investigate and bring pressure to bear on your neighbor. Please make sure that you do everything possible to be diplomatic and do not take matters into your own hands–remember that this family will more than likely be your neighbors for a few years. Also make sure that they actually are the owners of the property, i.e. if it is a rental you will need to contact the actual owner not the occupant. You can find this information out on the internet by looking under the website for your local property tax authority–this information is public record and it will list the owners name, address, etc.

I wish you luck and harmony!

Who’s homeowners insurance is responsible to pay if my neighbors tree fell in my yard?

The tree collapsed into my yard causing my grill and table umbrella to break, also broke the fence. He had the tree removed and repaired the fence but who pays for my broken stuff. The neighbor is saying that my homeowners insurance pays but shouldnt’s it be his???

Call your insurance ASAP.

If the neighbor’s tree fell due to their own negligence (the tree was dead and rotted out but they failed to remove it, etc) then it is their responsibility. If the tree fell because of a storm or other act of God than your insurance should pay.

Either way, this is for the insurance companies to work out. So call your agent, explain the situation, and let them work it out.

Home Insurance?

I plan to turn my first single home into a rental property. Do I need to report the insurance that I will not live in that house?

You definitely need to notify your insurance company. The property will no longer be owner occupied & they can deny a claim. You will need to get a DP3/landlord policy. Your rates WILL NOT go down because the risk is higher. No one will take care of you home the way you do. Tenants increase the risk.

Also, you would Never be liable for the personal property of a tenant (except if you were completely negligent). However, as a landlord I would require your tenants to carry a renters policy simply for the Liability portion of the policy. Liability is the coverage that protects you from you tenants or your negligence. Like, if you were at your property one day to do some yard work & left the hose out on the sidewalk & the postman trips over it. He would probably sue you. Liability covers that. I would suggest no less than $300,000 per occurance. It’s usually pretty inexpensive (around $40.00 a year) to bump it up from $100,000.00 to $300,000.00.

FYI: The insurance company probably would not deny the claim but after the claim was closed they would most definitely set you up for non-renewal. That looks very bad when shopping for a new company. One of the questions will be: Have you ever been non-renewed & why?

Hope this helps

What liability should I consider when purchasing Condo Insurance?

When purchasing a condo insurance, how far should I go with liability protection? Can HOA or my neighbors as individuals sue me if it was my barbeque grill (lit cigarette, etc.)?

Yes, the condo association or an individual has a legal right to sue the negligent party that was responsible for a loss. In fact it would probably the insurance company that compensated your association that would ultimately be the plaintiff. That being said it would probably be hard to conclusively prove that it was your sole negligence that was the cause of the loss. Even if you were not at fault the defense costs could be significant. If I owned a condo I would purchase significant limits of liability insurance because the cost is relatively minor (i.e. $1,000,000 or more ).

But I would also be concerned how your insurance matches up with the condo bylaws. Your condo association purchases insurance on the building and premises. Broadly speaking there are two approaches condo bylaws take to insure the property.

One approach is the condo association agrees to cover only the exterior and common areas. You are responsible to insure the interior this can include walls, wall coverings, flooring, furnace, appliances, lighting, plumbing fixtures, kitchen and bath cabinets (basically everything inside your condo). In this scenario you are responsible not only for your personal property but also the entire interior of your condo. As an insurance agent I did not like this approach because it is very difficult to determine how much insurance you should have to be able to repair or replace everything in within the walls of your condo.

The other approach, which I always preferred, was more comprehensive where the association agrees to cover the entire unit as it was originally built. In this scenario you only insure your upgrades (i.e. bookcases, upgrades, finished basements. etc.) and your personal property.

You need to carefully review your condo bylaws or have a good insurance agent go over the bylaws with you. If you don’t insure the property that you are responsible for you could find yourself woefully under insured and perhaps unable to rebuild your condo.

In addition to insuring the part of the building you are responsible for you need to determine the replacement cost of your personal property within the condo.

Sorry for the long answer but it is a surprisingly complex question.