although the lease stated "no pets",my tenant acquired an aggressive dog. A visiting friend teased the dog and was nipped. Blood was drawn, EMT's arrived. We have pic's of the kid playing tennis and golf a few days later. My insurance company never paid a cent, yet i pay more for coverage because it is flagged as having an "incident" on my history. Is this legal? Can i do this to my archenemy?  ;)  Seriously, isn't this a slippery slope? I'm guilty of nothing, the kid is guilty of fraud, yet i can't get discount insurance.  if it matters, the house is in NY.
120091
NY Sucks dude. I also live here and own a Rottweiller. The biggest baby you will ever meet, however NY has deemed Them, Pit Bulls, and several otherdogs as dangerous and the insurance (if you can get it for these dogs) is outrageous. You should have taken pics and video of the kid playing tennis and golf andsent it into the insurance company. They may have been able to do something. Contact a Lawyer, maybe they can give you advice, go with an insurance lawyer, hewill know betterthan anyone.
518192
Yes, speak to the people who insure your house. Even if you rent a house you should insure it /you yourselves.\n  It will cover your dog biting someone, a window falling out your child running into someone on their 'bike.
447796
The key is that they are not requiring it before lease renewal. It will be a condition of staying.   They can pretty much condition the lease on anything they can find enough renters to agree to. \n\nNow, renters insurance isn't terribly expensive, and has benefits to you and the landlord.  I suspect it's going to cost you about $15 per month, get a quote somewhere.  Look at it as if it were a rent increase, and make your decision whether to accept it or not. \n\nWhat renters insurance does for them is protect against damage done to their place by your pets, or a fire you cause, some other things.  What it does for you is protect you if a guest of yours is injured on your property, cover your belongings if there's a fire or burglary, some other things.  \n\nThey sell renters insurance to a lot of people that aren't required to have it by their lease.  You should get a rate quote and find out what good it does for you.  It's not necessarily a bad idea.
396875
The person who ownes the property is responsible.  Keep following up and ask your insurance company if they can intervein.  The home ownership should be public record, so check with your county or city for the records.   You should send REGISTERED mail to the owner explaining the situation and get a few repair estimates to send along.  (make copies).  Take em to small claims court if no reply.  Make sure you have plenty of pictures.  You may also want to report the situation to the city administrator indicating it's a hazard to people as well as vehicles.  What if kids were playing around there and got cut!\nGood luck to you.
434368
Because 90% of liability claims paid out on homeowners policies are dog bites.  And 75% of those dog bites are one of five breeds - including pit bulls.  \n\nSo, insurance companies don't want to give liability insurance to people who own pit bulls, chows, dobermans, wolf/wolf hybrids, or rottweilers, sometimes german shepherds.  Yes, little dogs bite more, but they don't do the damage.\n\nI know of ONE homeowners company that will write a policy with a dog exclusion - Foremost Insurance.  www.foremost.com to find an agent near you.  The exclusion means, if your dog bites, you pay everything out of pocket.  No exceptions.
242541
STOP! before retaining an attorney $$$, consider contacting the business and informing them of the incident and request the name of their ins. provider. Often they make reasonable offers. (in this case doc bill plus $1000)\n\nOnly if they refuse and your injuries/damages exceed your states max. small claims award by $1000 should you even consider discussing the matter with an attorney. \n\nUnless you were injured and treated professionally (have a bill) your case is weak. Damages for pain and suffering with this type of occurance will be aprox. $1000 unless you can prove the incident was the result of negligence or malice. \n\nIf you hire an attorney it is likely there won't be enough money left to pay the bill for your care.
591640
Any legal questions should really be put to an attorney to answer. But my understanding is that you should double check your homeowners policy for coverage, most insurances do cover accidents that occur on your premises. Look into Tort Laws regarding private property also and then you could find out for yourself what kind, if any, liability you may or may not be responsible for in your own state. Also you should check the records of the home where your grandfather is placed to make sure by their policy and the family's that you can take him... Do NOT accept the word of the nurse who may know nothing regarding the policy that may be enforce regarding him personally. She has his best interest at heart in wanting him to have family time., but you should be sure
399218
Everyone makes mistakes, and while you probably did get of relatively easy, I understand your frustration, and concern. I would run it by a lawyer, the best and least expensive way I know to do that is through Pre-Paid Legal Services.\n\nCheck it out at:\nhttp://www.getprotectedhere.com
573222
Classified?  Who released it?  It would have to be privileged too.  Assuming it was and the NYTimes was responsible for the leak AND published it, you have to be able to support a claim of damages with some facts as to how your personal security was "damaged".  A possibility of damages won't be enough.  Emotional damages will hardly be recognized when no physical damage actually occured.  Finally, it is not a class action.  Your family and you are just one plaintiff.
611178
are they deriving any material/monetary benefit as a result of use of your picture? if yes..they would need your consent...if not, then that is a little tricky unless you are suffering some kind of loss/injury as a result...then i would get a lawyer
440033
Unless the theft resulted from negligence on the part of the complex, then they wouldn't be liable anyway.\n\nIn this case, it looks like the complex saw a trend of break ins and took on the policy to help their renters or they simply realize that having renter's insurance is for the best.  The complex is still responsible for anything that is covered under their own insurance like repairs, leaks, mechanical failure, so I don't really see how the apt. complex would benefit from this other than having tenants who are responsible enough to insure their property.
582818
If your doctor agreed to a negotiated rate with your insurance company, you are not responsible for the discounted amount.  This is a common practice in HMOs and PPOs, and it does not mean that the doctor 'charged too much'.\n\nIf the insurance company says you ARE liable for the amount they didn't pay, it means they are using some sort of calculation for the "reasonable and customary" charges for the area (they don't have a contract with the doctor).  If they did this, you can ask them how they came up with this calculation and when was the last time they updated it.  Some companies just pay a percent of the Medicare fee schedule (110% or 125%), but they might be using old data.
202570
The law and land lords can be merciless and many times don't give a fudge cycle what a person's problem is. Legally YES - they can force her to be liable. That doesn't make it ethical though.\n\nOn the chance the land-lord has a heart, she needs to talk to the man and explain the situation. Sometimes whoever's name is on the lease is fully responsible and that depends on the state law or county, etc.  Hopefully she at least doesn't have her name on the lease solely or jointly.\n\nOtherwise she needs  to talk to a lawyer. The yellow page ads should tell whether a lawyer charges for a first time consultation or not.
435135
An individual person is NOT the same entity as the business.   So you're looking at several things here:\n\n1.  Who does the policy cover?\n2.  Who sustained the damages?\n3.  Would the damages be covered if there wasn't an issue of insurable interest?\n4.  What is the EXACT relationship between the owner and the business (ie, does the individual own 100% of the corporation?)\n\nFWIW, an insured CANNOT assign a policy without the company's prior, written permission - ie, you have to change the whole policy.  If the nature of the business as written on the policy with the individual, is the same as the nature of the NEW business sustaining the loss, AND the individual is the sole owner of the new business, it shouldn't be too hard to talk your agent into going to bat for you on this claim.\n\nHOWEVER.  If the original policy was written, say, for a landlord, and the landlord went in with a partner and started a retail shop, or a pizza shop or something, then the whole nature of the risk changes - and you're not going to get this loss covered.  New people, new entity, new business.  NOT the old business.
293912
You need to file a claim on your homeowner's insurance. Nearly all insurance policies will cover this. If your insurance company feels the city is responsible, they will send the claim to Subrogation, and THEY will sue, saving you the trouble.
588295
there is such a thing as pet insurance but you have to read the fine print because some can be a huge waste of $.  Pay close attention to what is considered a pre-existing condition and what is covered in that arena.  I had a bad experience with one pet insurance company that pretty much said that anything my pet had even been tested for would be excluded for life.  My dog was a puppy and had been tested for quite a bit when I first brought him home...I would make sure that you look into this before purchasing any pet insurance policy.  Also check the cancellation policy and see if the insurance will cancel when your pet reaches a certain age.  The price range for coverage for a dog can be anywhere from $15-50 per month depending on how much coverage and what type of plan you purchase.  Check out www.petinsurance.com.  I have heard a lot about them but have not used them myself - I too am shopping for a policy.
75429
Every state has an Insurance Commissioner who oversees the insurance industry.  Contact them with the details, including photocopies of any written proof you have available.  There may have been a law passed that requires them to add some tax or something.  But it does not sound fair the way you describe it, no.  Was there some change in the circumstances, such as a person who is covered who had an accident or was arrested, which put them in a higher risk category?