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I am covered under my spouses health insurance plan, this is through another carrier. My FSA is through work and I put roughly $2k worth of PreTax dollars into it in a year. I have the FSA healthcare provider is a well known hated health insurance company. They have been sending me letters and...

So, I bought a new $70k truck in March of 2023 from a well known Japanese brand. Within the first month of ownership I noticed a bubble or acrylic paint had peeled off the lower right hand corner of the steering wheel. I figured well they would cover it under warranty since it has a 3 year 36...

If you have a PI settlement and receive a 1099 - MISC for that amount but it is not taxable due to the PI Settlement, do you have to report the amount on your taxes? the form came into the recipient but is NOT TAXABLE due to Physical Injury statute. The form does not have the tax payers id on...

I have learned of a scenario, I am not sure I would call it a SCAM since I am not 100 percent sure how it works. I have an idea, but this is only a theory. So, you all can tell me if I am right or wrong. Lets say a shady LLC of the month guy builds a house on a property that he acquired the...

I would like to know if spouses work for the same company, one is in management for the same department that the other spouse works in but a different location. If they collude and work together to bring in one of the significant others employees into the same department that the spouse works in...

I have a question and am not sure of legalities involved in it, I had health insurance through a self funded ERISA plan. This plan paid roughly 12k out on me in medical claims and payments. I paid an equal amount of around 11k with deductibles and co insurance. They use a TPA to administrator...

I have a question regarding LLCs and unscrupulous owner operators who do bad business deals. (well good for them I guess) So, I am not sure how this scheme works per say, but lets an LLC owner has a million dollar home. The list this house under an residential address trust, the name of the...

This is a first party UIM carrier insurance where clear liability exists and the third party liability carrier has tendered policy limits. Is there any approach to a first party carrier who is refusing to make offers and is basically saying go get a verdict and we will pay for anything over the...

You are capped at 250k against a hospital Civil law goes off paid medical expenses with insurance not total billable need state legislature approval to sue a state University a la Chris Bread or Mike Leach People in the state are just screwed when it comes to any type of meaningful...

This is a general question, anyone have any experience with Bad Faith in first party claims? I know most do not allow punitive damages and mainly it is a set amount of interest paid on whatever limits it applies to. Basically what is it you have to prove and the hurdle of proof?

Out of curiosity? Is there a law (I am familiar with Nepotism law in hiring) that would prohibit a child of the main prosecutor for county in a state running for Sheriff of the same county? definitely looks like a conflict of interest. Judicial board of conduct issue? Just does not sit right...

Question regarding easement and access across property. If you own a property and someone wants to run crappy T1 internet service by boring under your driveway do you have to allow it? There are multiple access points to the service location that is requesting service that does not go through...

Say you are involved in a wreck and at the time you are carrying 25/50k policy limits. How do you get to the higher per accident liability limit instead of the individual lower 25k limit? Is there an approach that works best in lets say a single car accident vs multiple vehicle wrecks?

As a general rule and when dealing within the rules of civil procedure. How many times can a defendant in a civil manner ask the plaintiff for a deposition? As a general rule do they only get one bite of the apple or are they allowed multiple chances at depositions till they are given something.

This applies to all states, when insurance companies write policies on 80+k vehicles and the owners only want state min. liability limits, does this ever send off any red flags? I have seen or heard about people buying very expensive rides running state min. insurance. Totaling out their 80+k...

With a larger number of states joining tort reform and lobbying by insurance companies to cap overall damages, what is the overall opinion of these initiatives for example. Texas is but one example where damages are capped at 250k regardless of outcome including up to wrongful death. Tennessee...

This is not really a question for me as I have been vaccinated. Can an employer force a mandate for vaccination upon its employees? then compile a database of non vaccinated employees and then compel them to either get vaccinated or show a non vaccinated cause via religion or other means. I...

The press ever-so-politely turns on Biden, as troubles mount it is really bad when MSM turns on SS Biden

interesting wish other states would follow suit. I imagine they would get to the actual fraud committed and hope it is enough to expose the scam election results. Arizona AG threatens Maricopa County funds over election audit

MAGA Hollywood A list actor loves Donal Trump,