Indiana: Many Hoosiers Dropping Car Insurance to Save Money

With the economic crisis hitting us all, everyone is looking for ways to save. However, a growing number of people in Indiana are cutting back, or even canceling, their car insurance in hopes of saving a buck. What many people fail to realize is just how bad of a financial strategy this is.

Source: Insurance Blog, Home Insurance Blog, Life Insurance, InsWeb Insurance Blog

I Live In My Car... Help Indiana Insurance firm has taken nearly two years to settle this claim. HELP?

Aug 18, 2007 by No Games 4 Me | Posted in Insurance

house fire 10/2005 INDIANA still have no insurance settlement
help somebody help! I live in my car. my business & my home are both gone. lawyers have taken my remaining cash and have done nothing to help. investigation after investigation and no settlement. where can I turn?

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You need to make more noise.....File complaints with the Indiana department of insurance, Better Business Bureau, Indiana Bar Association, and whoever else you can think of. Get creative, find places to complain.

Then write some nasty emails to the any contact you have at the insurance company and copy investigative reporters at any of the television stations in the area. In all liklihood, you will hear nothing from the investigative reporters. However, nobody at any company wants to be involved in any investigative report. You are just doing this to give them a jolt.

Look up the public relations or investor relations contact's email address on the companies website, then look up who is the CEO. From there you can probably figure out what the CEOs email is.

What you are doing here is three things, the first is that you are making the issue public. An insurance company makes money off of their reputation. When you attack it publically, it will hurt them financially. You are also escalating the problem to those higher up in the organization than some claims adjuster. Filing with the Bar association may put some heat on the lawyers to work off of contigency which forces them to work faster....

Everybody involved in this issue is currently more comfortable than you. The only way to win, is to make their lives uncomfortable to a point where they want you to go away. Make sure that on each and every complaint, email, ect, that all parties are copied.....

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trampolines insurance in indiana?

May 22, 2007 by HALEY! | Posted in Other - Outdoor Recreation

For my 14th birthday i really want a trampoline but my parents say our insurance company could could like take away our home owners insurance or somthing like that is this true in Indiana??

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Yes, insurance companies don't like trampolines because of the liability. They will either cancel your insurance or increase the premium.

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How does a dog bite affect homeowner's insurance? Also, how do I press charges for a dog bite in Indiana?

Feb 10, 2008 by ANK758 | Posted in Law & Ethics

A dog bit my face last year, resulting in $10,000+ in medical expenses. My attorney is settling with the dog owner's insurance company. The dog owner gave her aggressive dog to her parents. How will the parents' home insurance be affected? Also, I have decided to press charges against the dog owner. Now, before anyone gets all riled up and defends the dog owner, allow me to share some details. The dog owner was intoxicated at the time of the attack (she admits this on the 911 tape). Furthermore, I learned after the attack that the dog bit someone else in the past, making this the dog's SECOND attack. The dog owner has lied about the attack and basically blamed me for it. I believe that she needs to be held accountable. How do I press charges for a dog bite in Indiana? Do I contact the prosecutor or Animal Care and Control? Will the dog be put down, or will the owner just pay a fine?

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I find it very strange that atty settling with ins co. has not already advised you in this regard. Normally, civil suit follows criminal prosecution. Did you change your mind about prosecuting? At any rate, see Indiana Dog Laws Consol. http://www.animallaw.info/statutes/stusinst15_2_1_6_1.htm#bite, which states:

15-5-12-3 Dog bite liability; criminal


Sec. 3. (a) An owner of a dog commits a Class C misdemeanor if the owner recklessly, knowingly, or intentionally fails to take reasonable steps to restrain the dog and:

(1) the dog enters property other than the property of the dog's owner; and

(2) as the result of the failure to restrain the dog, the dog bites or attacks another person resulting in unprovoked bodily injury to the other person;

except as provided in subsection (b).

(b) The offense under subsection (a) is:

(1) a Class B misdemeanor if the person has been convicted of one (1) previous unrelated violation of this section;

(2) a Class A misdemeanor if:

(A) the person has been convicted of more than one (1) previous unrelated violation of this section; or

(B) the violation results in serious bodily injury to a person;

(3) a Class D felony if the owner recklessly violates this section and the violation results in the death of a person; and

(4) a Class C felony if the owner intentionally or knowingly violates this section and the violation results in the death of a person.

CREDIT(S)

As added by P.L.176-1993, SEC.2.


15-5-12-4 Dog bite liability; exemptions


Sec. 4. An owner of a dog is exempt under section 3 of this chapter if the dog commits an act described in section 3 of this chapter during the period that the dog is owned by:

(1) the United States;

(2) an agency of the United States; or

(3) a governmental entity (as defined in IC 34-6-2-49);

and the dog is engaged in assisting the owner or the owner's agent in the performance of law enforcement or military duties.

CREDIT(S)

As added by P.L.176-1993, SEC.3. Amended by P.L.2-1995, SEC.70; P.L.1-1998, SEC.115.


15-5-12-5 Impoundment of animals; probable cause


Sec. 5. If a law enforcement officer or any other person having authority to impound animals has probable cause to believe that there has been a violation of section 3 of this chapter, IC 35-46-3-6 applies.

CREDIT(S)

As added by P.L.176-1993, SEC.4.


15-5-12-6 Other powers not limited


Sec. 6. This chapter does not limit the power of an agency of the state or a political subdivision to adopt a rule or an ordinance that does not conflict with this chapter.

CREDIT(S)

The fate of the dog, it seems, will depend on whether previous bite victim(s) pressed charges.

If no prior conviction but you secure conviction of owner, dog's registration will record the conviction and dog's new handlers will HAVE to inform THEIR insurance co of new peril on the premises. And/or they may be required to seek new additional $$$$ insurance. There may be other orders by the court, i.e. dog to be restrained on leash at all times in public plus muzzle and kept inside fenced area at home.

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