Posts Tagged legal
Is it legal to have two insurance policies on one car?
Posted by in Fax Online on November 26, 2011
Question: Is it legal to have two insurance policies on one car?
I have a situation where the car loan for my son’s car requires the car to be insured and requires us to give them the insurance information. My son moved out of state for college, and had to change insurance companies; he changed in October, I sent the insurance information to the car loan company (via online per their instructions, and received a reply saying they received the information). Then received a letter in December that they had not received updated insurance information. So I called them, told them it was insured, that i had filled out the info online; I got a fax # for the insurance company to send the info again; i got a letter in January that the loan company still had not received the info. I had my son go to his agent (after he and his father had called the insurance agent 3 times with no action), and stay on the line until they called the loan company with the updated insurance info. In the interim, the loan company got insurance for the vehicle and is charging us $ $ for insurance on the car because we he had gotten a $ 100 deductible instead of $ 1000 deductible required by the loan company. This means that the car would have been insured by two companies at the same time if they do not reimburse us for these charges now that they have proof that the car has been insured all this time. We have changed the deductible to $ 1000 now. Is it legal for them to now require us to pay them for car insurance that they purchased (making the car insured by two companies)? I’ve read that it is illegal and I’ve read that it is legal. Which is true?
I would call the State Insurance Commissioner in your state and complain with them. you would be surprised how fast things get taken care of. and if necessary the new state involved
It is not legal to double insure a vehicle. Which company would pay for a loss? It would be considered double dipping fraud.
You have purchased insurance for the car and provided proof to them of that fact. Why would it matter to the loan company what YOUR deductible is for the policy? They are ripping you off. PERIOD! Tell them in writing that if they do not refund the extra money they are charging you for the insurance (because you have proof and their acknowledgment of coverage) you will be taking them to small claims court and report them to the Better Business Bureau in your area (you must be willing to do this though). It wouldn’t hurt to put in a call to your local TV station either if they don’t cooperate.
It is possible under ceratin situations and in certain states. Speak with both insurance companies taht will be insruring the cars about this
The following came from carinsurance.com
Yes, it may be possible to have more than one auto insurance policy on one vehicle if there are two different people that want to purchase insurance for one car. However, finding insurance companies that would allow this “duplicate” coverage will likely be difficult.
Insurance guidelines differ so you would have to check with various insurance companies to see if you can find one that permits what you want. Typically this type of double insurance on a vehicle is not necessary and may go against company underwriting guidelines, since hopefully one policy would be able to cover all the drivers of the vehicle.
A situation that we can think where two car insurance policies might be placed on the same vehicle is if there is a co-signer on a car that wants insurance on it in case the primary driver does not keep their insurance on it as they should. This type of coverage is hard to buy separate from all the liability coverage that is required on a policy. Furthermore, a co-signer can request to be listed as an additional insured on a policy. They are then notified of policy status, just as a lien holder is notified.
Each person in this type of scenario would have insurable interest in the vehicle. If the drivers involved did not have insurable interest in the automobile, than it could be difficult for them to place coverage on it.
So while it might be possible to have more than one car insurance policy on a vehicle it might be difficult to find an insurance carrier or insurance carriers that would permit this since normally one auto insurance policy is typically all that is needed to cover a car and its drivers.
It is legal, but really who would want to policies. Each policy would only pay it’s pro-rata share in case of an accident.
Continue to call the loan company, and ask to speak to a supervisor. Explain your situation. Follow up in writing. With your continued efforts, you should be able to get reimbursed. I find it odd they would take out coverage since you opted for a lesser deductible.
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Q&A: Is a faxed ‘records request’ subpoena legal?
Posted by in Fax Online on October 14, 2011
Ask by lonelycastle: Is a faxed ‘records request’ subpoena legal?
If I were to receive a faxed ‘records request’ subpoena from Texas for an online user’s registration information, posts, etc., and let’s say that subpoena had a District Attorney’s signature, would that subpoena be considered legal or does it have to be hand delivered, mailed, or what not?
Best answer:
Answer by gator
a subpoena has to be mailed or delivered in person especially if issued by a D A, they don’t play around
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Is a faxed ‘records request’ subpoena legal? – Fax Online
Posted by in Fax Online on October 14, 2011
Question by lonelycastle: Is a faxed ‘records request’ subpoena legal?
If I were to receive a faxed ‘records request’ subpoena from Texas for an online user’s registration information, posts, etc., and let’s say that subpoena had a District Attorney’s signature, would that subpoena be considered legal or does it have to be hand delivered, mailed, or what not?
Good Answer:
Answer by gator
a subpoena has to be mailed or delivered in person especially if issued by a D A, they don’t play around
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Is it legal & possible to trace telephon/fax numbers and addresses that apear in spam emails to charge persons
Posted by in Fax Email on September 21, 2011
By kabella: Is it legal & possible to trace telephon/fax numbers and addresses that apear in spam emails to charge persons
Answer:
Answer by ss
i don’t know – but i have used those numbers when signing up for stuff that could lead to spam
Answer by Charlie934eva
It’s possible with hi-tech equiptment but we’re not talking everyday things there is also a very high price tag to go with it. It is also most probably illegal and if for some unknown reason it isn’t it is very hard to do. So to answer your question it’s hard, most probably illegal and very costly.
Answer by Richard J Costello
if there is a telephone number or fax in a ‘spam email’ It is in fact NOT SPAM. you must have entered your email address for some offer and you were put on a list. you can contact that person and remove yourself from their list. That email abides by the can spam act if it has their name at the bottom.
Answer by Super_Saiyan_Goku_4
most people to does spam are using INTERNET CAFES so tracking them down would be pretty pointless. just delete the meat.
Answer by nathan_pal
if you are asking this because you are about to start a spam – then YES its possible
if you are victim – then maybe with the help of ISP.
What do you think? Answer below please!
Legal answers please. I am being sued by my landlord and my bank is doing something funny? – Fax Internet
Posted by in Fax Internet on September 18, 2011
Ask by eaglelover_1967: Legal answers please. I am being sued by my landlord and my bank is doing something funny?
I am being sued by my landlord for rent my bank previously verified was made to the apartments. I have to file a response by tommorow. I called the bank and left multiple messages on Friday and even spoke to someone who was going to fax me something but, never did and then I could not get a hold of them again. Today I am either getting a busy signal or no answer at all on my banks line. My bank is an internet bank and I cannot go to where they are to confront them. I do not know what to do. I am worried about the bank but, feel I have paid my rent. Please help. Should I file the response without documentation and then provide the documentation later? If you respond and are a lawyer please identify that. I am a resident of San Diego, CA if you need that info. I am just so worried that I will lose my home.
I do have a bank statement showing that it cleared. I gave this to my landlord who then required the letter from the bank. Which was faxed and received but, now the landlord has filed this lawsuite and I cannot get ahold of my bank to get anything further.
Best answer:
Answer by RICHARD W
Get a temp. statement from your bank showing where and when the check cleared.
Answer by sylviavnpttn
So, THE same thing happened to me. What a nightmare- landlord threatened eviction and I knew and had the proof that the check cleared. Unfortunately since you have a bank that you cannot go to- your statement will have serve as the proof. I would continue to redial your bank until I get the Customer Service MANAGER. Explain your situation and (nicely) explain that time is now of the essence and you need verification via fax. With these simple steps it may help your situation. So try to continue to phone and do not stop until you get an answer. GOOD LUCK
Answer by goz1111
answer the complaint on time or you may loose the right to fight it,
then send email to bank to get verification by the time you go to court
Answer by P M
You should file a response today so that the case does not defualt. At the same time, request a continuance of the case so you have time to gather supporting evidence. This is called ‘discovery’. Your statements are an example of discovery evidence.
What you will need to do is look at the contract language inside the agreements between you and the internet bank and also your rental agreement with your landlord. While I am sure the bank language supports your case, the fact is they may have gone out of business.
I suspect your rental agreement states that ultimately you are responsible for the rent. If the landlord’s account does not reflect that the rent was received through a transfer, you are likely responsible. However, you also may use your statements and file your own lawsuit against the bank–if they issued a statement saying they paid when they did not, you have a case.
If they are going out of business and have committed fraud, you may be in a long line of people attempting to get resolve on debts. Contact your state attorney general’s office and issue a complaint.
Time is important on doing this since if the bank is going bankrupt, the issuances of debt resolutions will possibly be made (ultimately through a court order) by order of filing against them.
A word to the wise: never use an internet bank that does not have a local branch. Get a local account going where you can establish a relationship with them.
Please leave your answer in the comments! Thanks.
How do I create a legal agreement document for two parties who will only interact online? – Fax Online
Posted by in Fax Online on August 26, 2011
By biily b: How do I create a legal agreement document for two parties who will only interact online?
I am working on a project with another person I have never met through the internet. I am providing them with recorded music that I will create. They have assured me that the songs I am recording are in the public domain but I want to be sure that if any copyright issues do develop, they will be solely responsible for dealing with them and I am not liable. They have agreed to sign off on this but my question is how do I create such a document?
Is a type word document that I send them and have them type their name on work as an electronic signature?
Should I have them print it, sign it, and either fax, mail, or scan and send it to me?
Any advice? (Especially from lawyers?)
Thanks!
Best answer:
Answer by Enda M
Legally it’s difficult to prove they signed the document because all they’re required to say is that it weren’t them and someone forged a signature. If you must do it over a long distance you should get someone you trust at least to be present and sign the document as a witness.
Answer by John Jacobs
Biily,
You have raised a good question, and I’m glad you inquired before taking such a step. There is legislation in place that recognizes an electronic signature to be equivalent to that of a hand written signature; two important pieces of legislation to focus on are UETA and ESIGN. UETA is a state by state law, where ESIGN is the Federal law. The intent of the acts state that a contract or document “may not be denied legal effect, validity, or enforceability solely because it is in electronic form” and the definition of an electronic signature is “an electronic sound, symbol, or process attached to or logically associated with a record and executed or adopted by a person with the intent to sign the record”.
This being said, there are best practices to be considered before trying to have documents signed electronically, and many variables that would help in establishing the legal validity and integrity of the document. There are well established companies out there that provide electronic signature solutions that can help you to execute this agreement electronically, while maintaining the legal admissibility and enforceability of the document. If this is a one time event, it may be best to go through the email, sign, scan, fax process; however tedious it may be. If you believe you will have more of a regular or consistent need to have documents signed, then it could be valuable for you to look into the e-signing process.
I work for a leader and pioneer in the electronic signature space- eOriginal, inc. I will be more than happy to further discuss and answer any questions that you may have, so please don’t hesitate to reach out.
Hope this information is helpful to you!
John Jacobs
eOriginal, Inc
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What is my legal right if the computer I bought as brand new has already been registered to someone else? Tnx.
Posted by in Fax Computer on July 19, 2011
By jeanr8: What is my legal right if the computer I bought as brand new has already been registered to someone else? Tnx.
Bought it on 5/11/05. Had a major problem 1/22/06. The screen is pixillated. Rebooted and it’s still the same so I decided to reformat. To my dismay i was not able to complete the installation because it won’t boot to windows anymore. It says installation is not complete. Definitly its the graphics card. But since it’s a laptop mobo is the question. Called the warranty dept and told me to fax them the sales receit and would repair it. but my question is not warranty anymore.I found out that the pc i bought was already registered to someone else on 2/4/05 and will expire on 2/4/06. That is why I haven’t seen my name because the pc Im tying to register has been registered. Same serial number take note. I’m so sure that the pc they sold me was a second hand one.There is really a fraud in here. By the way legally my pc’s warranty will expire on 5/11/06 if I will fax the them the proof of purchase but i won’t do it. They might updated it and I don’t want it to happen. Thanks a lot.
Best answer:
Answer by just another person
as long as you have the original receipt – you are the original buyer of the machine.
In which case, you have the FULL rights to the laptop.
As per their warranty terms, if your laptop is still under warranty, they should fix it.
If not, you should take the matter legally.
Answer by fen752546
if you bought the pc in the understanding that it was new and un-used and you found out that it was used before you have the right for a replacement – as it was sold under false pretensences
Answer by Thomas M
I would recommend to go back directly to the place you purchased the laptop from and request a refund. It seems that you are unwilling to provide the manufacturer with proof of purchase in order for them to correct the warranty issue.
I think this goes further then the warranty though, because the place that sold you the laptop repressented it as new.
Good Luck
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Q&A: Is it legal under any circumstance to have your pay withheld? – Fax Online
Posted by in Fax Online on July 1, 2011
Question by Ali: Is it legal under any circumstance to have your pay withheld?
I am a contract therapist. My documents were not faxed from my doctors office in a timely manner. I was also told my license was was verified by the Ohio OTPTAT Board and they needed a copy of my pocket card ID. I imformed them the Ohio section no longer issues those cards and the only identifier was online. I then was told I needed a copy of my original liscense. That is in the process. I am now the third week of having my pay withheld.
Best answer:
Answer by Demented Dr. Phil
If you ain’t be payin dat child support… youse gon have dat pay on revoke yo.
Answer by Quizzard
They can certainly withhold the payment while they confirm your details.
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How to fill out legal documents??
Posted by in Fax Online on June 21, 2011
Question by chaotickitttie: How to fill out legal documents??
I need to garnish a bank account. I have the ppwk work for Oregon(I already have a judgment from small claims court), but I really dont know how to fill it out. Is there place online I can get instructions on how to do it… or a company willing to fax me instuctions or even a filled out sample??
A bank will not help fill this information out. I do not want to hire anyone.
Answer:
Answer by craig_pumphrey
go to the bank and ask for help
or get a lawyer
Answer by whoisgod71
you probably have garnishments interrogatories, these are questions that must be answered by the bank under oath and these tell you whether or not the person has money there
then there is a writ allowing you to seize the money
the forms should be pretty straightforward, if you have specific questions you can email me, but i wont be able to get back to you until monday
Answer by buckeye45694
I work at a bank and we don’t fill out the forms. Since you already have a court order you need to go to your local court house to have that done. Call the county in which they person with the garnishment is and they can help you with that. Good luck. People need to pay what they owe.
Answer by rsm2ngt
good luck lol
Answer by thylawyer
Not likely. Find your local law library (probably in a courthouse) and see if the librarian can find a how-to book for lawyers. That’s what they do. Or a large public library might have some of those books.
Go to the small claims court with your papers and ask one of the lawyers there (NOT a clerk) if s/he could help you. You will be surprised to find that some of them will help you for free.
If you still can’t find anything, let me know. Maybe I can help, even though I’m not licensed in Oregon.
What do you think? Answer below please!
What are my legal rights against this online company?
Posted by in Fax Online on June 12, 2011
Ask by sandyeyes_24: What are my legal rights against this online company?
An online cash advance company called my friend and said I was committing fraud. Of course I got freaked out and wondered what in the world was going on. My husband called this number and this guy said that I had 3 pay day cash advance loans in 2008 and they are taking me to court. We explained to the Gentleman that we had not a clue what he was talking about. He then said that we were lying like everyone else does. He said that this so called money was deposited into our checking account in december 12th 2008. Well we went back and researched all of our records, and we have clear evidence that there was never a deposit for 300 from a cash advance loan place. We also tried explaining to him that looking at our records there is nothing, and that we can fax them the proof. He then said we will see you guys in court and have fun losing. Do I have any rights against this guy who is threatening me, and accusing me of something that I didn’t do. I have all the evidence, I’m not sure what else we need to do on our end. PLEASE HELP!!!!
I just want to thank everyone for their advice. I am going to see if this blows over. The wierd prt was the guy kept on saying he didn’t have a supervisor. But he had a boss…maybe i’m just getting worked up over nothing.
Answer:
Answer by coldfuse
Do you have all of the information on the company? Their representative committed slander.
It really looks like a scam operation trying to get money out of you.
Answer by Zach
Do not listen to these people, they are scammers. They received your information off the internet somehow. If at any point you filled out a questionnaire about a pay day loan, or have had a pay day loan in the past, they are trying to collect from you. They may be trying to collect a “debt” that really doesn’t exist. They’re hoping you will fall for it and just pay them money. Do not do that! A debtor cannot claim you have committed fraud, unless you seriously have. You have no committed fraud even if you defaulted on a payday loan. These people will threaten you to no end about serving you, sending investigators to your house, telling you you’ll be behind bars, etc. Do not entertain their phone calls again, if they have employment information or anything like that, let your employer know there is a scam trying to get information about you. Contact your state attorney general’s office with as much information as you have. If you only have the number, that is fine. Contact them, and the FTC.
I received a phone call just today and the guy said something was filed against me and all he can do is wish me good luck. He claimed to be in the department of law and investigations and had a very thick indian accent.
If they know you are not going to respond, they will eventually leave you alone.
Answer by kezman
If you didn’t receive any money and you can prove it you have nothing to worry about. Why even ask? Either its an admin error on his company’s part or its a scam. Does his company even exist? Tell him you’ll be happy to go to court with your evidence. You could even threaten to take him to court for harassing you. If it’s a scam it won’t get that far once he knows you’re not paying. If he represents a genuine company with an erroneous account do send that fax e-mail or post a photocopy. This will blow over
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