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I'm 17 years old and planning to leave my parents' house soon. I bought a used car with my money, but it's registered under my dad's name. My brother witnessed me paying for it, and I'm listed as a driver on my dad's insurance policy, although he refuses to transfer... View More 
answered on May 1, 2025
You cannot have the title in your name alone unless you are 18. You were a minor when the car was purchased. It does not matter who paid for it. If your dad's name is on the title, he will want the car to be insured. You cannot take the car without your father's permission.
I was in a car accident and signed a law and injury form with State Farm. A couple of days later, State Farm totaled out my car. Given this situation, am I still able to sue?
answered on Mar 10, 2025
There is no such thing as a "Law and Injury Form," so it is difficult to answer. Your property damage claim is handled entirely separately from your personal injury claim. Before any insurance company will release any money to you for property damage or personal injury, you must... View More
I was involved in a minor collision early last year where my grill was chipped and my license plate bent. The police told me to "just go," and I didn't take a DUI test. Now, the other driver is suing my car insurance for injuries, but they don't want to settle for my policy cap... View More
answered on Feb 24, 2025
Let's get something clear. When you have an accident, you are either at fault or not at fault. Beyond that, for the purposes of calculating the value of the claim nothing else matters. You could be a nun, driving sisters to a convent or you could be a junkie, with an open bottle of... View More
I was involved in a minor collision early last year where my grill was chipped and my license plate bent. The police told me to "just go," and I didn't take a DUI test. Now, the other driver is suing my car insurance for injuries, but they don't want to settle for my policy cap... View More
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answered on Feb 23, 2025
They probably will not be able to prove you were under the influence but there’s nothing stopping them for making the claim although there should be some evidence to support it before they claim it is the case.
On your other thing, you probably received a letter from your insurance... View More
I find it all unjustified how I was done in this matter of my things I worked hard for for 17 years and got 3000 dollars out of all it 48 thousand worth and showed proof of what they asked and I got 3000 for all of it and that was 2 years ago and I didn't sign off on anything in this matter so... View More
answered on Sep 1, 2024
An Illinois attorney could advise best, but your question remains open for two weeks. I'm sorry for your ordeal. It sounds like you're basically saying you got shortchanged on an insurance claim. If that's the case, you could set up a consult with a local attorney to review the... View More
I had a large tree fall on my house over two and a half years ago, and the repair work is still unfinished. I haven't heard from the public adjuster or the contractor for six months, and completing the work has been an ongoing struggle. It took two years just to get the gutters installed. We... View More
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answered on May 14, 2025
You’ve been incredibly patient, and it’s frustrating that after more than two years, your home still isn’t fully repaired. When both the contractor and public adjuster go silent despite having formal agreements, it’s time to get someone on your side who can push for answers and... View More
If someone slashed a person's tires and confessed to the victim's mother in the presence of two witnesses, can the confession serve as evidence for an arrest warrant? The confession was not included in the insurance claim, and no legal action has been taken by the victim or their mother yet.
answered on Apr 20, 2025
Not necessarily. It will partly depend on whether the police officer and states attorney believe these people.
I received a non-renewal letter from Shelter Insurance, citing two claims supposedly made in 2022 and 2023 on my insured property at 445 Chaudet. I have not filed any claims during those years on this policy, as confirmed by the insurance portal, which has no claims information. Furthermore, I did... View More
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answered on Apr 12, 2025
Start by contacting Shelter Insurance directly and requesting clarification on the two claims they mentioned. Ask them to provide documentation or proof of these claims, as you have confirmed no claims were made through the portal. If they are unable to provide valid information, this could... View More
I am located in Illinois. My neighbor's dog broke into my property and killed my two dogs inside my house after breaking through my back fence. I have documented evidence, including video footage and a police report. I've contacted animal control multiple times about this dog. I tried... View More
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answered on Apr 12, 2025
It sounds like you've been through a very difficult situation, and it's understandable that you want full compensation for the damages caused. Since you have documented evidence, including video footage and a police report, you are in a strong position to pursue compensation. In Illinois,... View More
I own a property that is experiencing sewage backup, which floods my basement through the downstairs toilet. This issue has happened three times now, and I have filed two claims with my insurance company, resulting in them planning to drop my coverage. I had a plumber install a backflow preventer... View More
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answered on Apr 12, 2025
That sounds like an exhausting and costly situation, and you're right to want to take legal steps. If the city is responsible for maintaining the sewer system and their negligence is contributing to the backups, you may have grounds to file a claim against the city for property damage.... View More
Last fall, I purchased a home where the inspector was chosen by my agent, who had previously worked with him. After reviewing the inspection report, I raised concerns and wanted my own contractor to inspect the property, but this request was dismissed. I was advised to only focus on electrical and... View More
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answered on Apr 12, 2025
You’re asking a very important and practical question, especially when it comes to protecting your health and your finances after an accident. Since the other party’s insurance has accepted liability and you have a police report supporting your case, you have the right to seek medical... View More
I was involved in my first traffic offense where I was uninsured and caused property damage to a car. The damage involved was car property damage, and I have a clean record until now. I have been given a court date. Will I go to jail for this offense?
answered on Apr 4, 2025
Assuming the citation was issued in Illinois, almost certainly not. That is probably the case in Wisconsin but I do not practice in Wisconsin so I cannot tell you. That said, you must immediately make arrangements with the other driver or his insurance carrier to make payments on the debt or... View More
I received a "driving too fast for conditions" citation after my car slid on a snowy day while I was making a right turn into a driveway and crashed into a car stopped at a stop sign. No one was injured, and this is my first driving infraction. The police were called, a report was filed,... View More
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answered on Mar 19, 2025
Other driver probably will not show up and the ticket will be dismissed. Otherwise ask for court supervision.
I received a citation in Illinois for having an open container in my vehicle while I was with a friend. I’ve never had a similar violation before. I'm concerned about the impact this may have on my insurance, the cost of the ticket, and how it might affect my record. Can you provide guidance... View More
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answered on Mar 13, 2025
Ask for court supervision. A conviction has many potential negative consequences that supervision avoids.
For the same condition, checked by the same doctors office. I have right swollen leg, which became worst on the job. What should be done? Pl help me because I'm not paid since Oct 2024.
answered on Jan 22, 2025
An Illinois attorney could advise best, but your question remains open for a week. No one here could meaningfully answer your question about what needs to be done without seeing your file.
The short answer that I suspect might apply in your case would be to place the matter into suit or... View More
I got a court date and a $1000 charge for driving with a suspended license plate. The plate was suspended for lack of insurance. Shortly after my license plate was threatened with suspension, I acquired insurance. I had no knowledge that my plates were suspended until the officer who pulled me over... View More
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answered on Nov 21, 2024
They probably required you to obtain a special type of insurance called SR 22. If you only had regular insurance and they wanted SR 22, that would not have fixed the problem
I am seeking your advice regarding a car accident I was involved in while driving my friend's rental car, which he had rented from Hertz. My friend did not purchase the rental insurance, assuming his Discover credit card would provide coverage. Since I do not own a car, I do not have any... View More
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answered on Nov 18, 2024
Unclear what your question is. Started out talking about insurance, then addressed whether you were at fault. The second question cannot be answered in an online forum. The first one, same
answered on May 28, 2024
It is suggested you post your question again with more information and specific questions to allow good answers.
I filed an appeal with my past insurance, and won. They agree to remove the misrepresented/Fraud they marked on the claim as well as remove the claim so it would not effect me getting insurance with other company's. When I asked for a letter to show proof, or a email they said they can't... View More
answered on Feb 17, 2023
An Illinois attorney could advise best, but your question remains open for three weeks. There aren't details here on what the matter involved, and who handled the appeal. However, if you won an appeal, whether in court or through an arbitration tribunal, that would usually involve receiving a... View More
I presented my insurance card to the States Attorney office's and that is when i found out my insurance has lapsed. Now he is the one introuble. I have since then insured my vehicle thru a different company. What are we looking at
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answered on May 2, 2022
Go to court with him along with proof you have insurance now. They will give you court supervision (protecting the license), although they will require him to carry SR 22 for a period of time.
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