Showing posts with label insurance. Show all posts
Showing posts with label insurance. Show all posts

Saturday, January 26, 2013

People's Court Blog - 1 4 2013 - Friday

Still playing catch-up......

Tyler is suing George for $1396.60. 
This is for back rent and the value of some items that George took. Tyler and George are college students and were friends. It is sad when a friendship is lost over this type of situation. Tyler needed a roommate for the summer, since his current roommate, Albert, was going away for the summer. George agreed to move in.... and this is all everyone agrees to as facts. Tyler says they agreed on $350.00 a month rent and $100.00 towards the utilities. George says this is not true. Unfortunately, George's story keeps changing. At first he says there was no agreement for rent, then he says his medical bills from the car accident were a trade-off. Wait! if you were not supposed to pay rent, why would you trade-off the medical bills.

George's story is all over the place. Also, these two friends think taking belongings from each other serve as collateral, when it is actually stealing!

George needs to pay Tyler for the rent and the utilities. The Judge finds in favor of Tyler for $1350.00. He cannot prove that George stole from him. Also, if George sustained injuries in a car accident, he needs to go through Tyler's insurance for the money.

The shame of all of this is the lost friendship. George should not have expected to live rent free and take advantage of Tyler's friendship. Just because Tyler's dad pays his part of the rent, is no reason to think he was going to pay for George also. Friendships needs to be valued.

James is suing Annette and the housing corporation for $4900. 
James claims his room was broken into and someone stole his belongings. Why on earth would Annette and the housing corporation be responsible for this?  At first he told Annette that 3 items were stolen and then he kept adding to the list. He claimed he did not notice the other items were missing because they were in the closet. Why wouldn't you do a thorough check when you know your room has been broken into?

There was a surveillance camera that showed James leaving his room and then going back in the room. After that, the camera goes dark. The controls for the camera are in his room. This is all very suspect. Also, James lost his job that day. He claims it is because of being late due to the burglary There is proof of issues during his probationary period at the job, lateness, etc.

Annette did offer James $600.00 after he said his possessions were taken. He claims she offered him $1200.00. Either way, it does not matter, since James did not move out when he was asked to, staying an additional 10 days, that was not authorized, he did not receive any money.

James cannot prove he is out $4900 and loses the case. In the hallway, he says he is disappointed and such is life. Annette says she never believed his room was burglarized.

People need to be able to prove their case. Just saying something was stolen or someone offered you money is not good enough for court. It is important to have proof when you go to court. 

Kathleen is suing Alan's gym for $333.00. 
This is for membership fees to a gym. Kathleen claims she asked for her membership to be frozen when she was unable to go to the gym for medical reasons. Kathleen says she showed the person working at the desk a note from her doctor and was told she could freeze her membership. The gym actually has a policy for freezing a membership. Alan explains that someone can freeze their membership for 2 months. Anything longer than that, especially the year Kathleen wanted, would have been handled differently. They would have had her cancel the membership and then reinstate it.

Kathleen seems to be very unorganized. She says she asked for the membership to be frozen for a few months, yet expected it to be frozen for a year. Also, the letter from her doctor states a few months, not a year. She does not seem to understand that a few months is not a year. Also, she continued to pay the membership throughout the year. She states that she did not notice anything because she paid her daughter's membership. The monthly fee would have been different, wouldn't it? The way she found out the membership was not frozen was when she went to return to the gym, asked for it to be unfrozen and was told it had never been frozen, Well, actually it had, for 2 months. Both sides have trouble with record-keeping!!! So complicated!!!!!

Kathleen is very upset after losing the case, yet never mentions if her daughter continues to be a member, I wonder!!!!! Alan says that he offered her perks to stay on as a member, but she was did not accept. I think she should have taken him up on the perks since she is the one who did not handle this properly. What do you think?

Please share your thoughts in the comments. Thank you for joining me today!

Stay updated - Subscribe!

Did anyone notice the close-up of the Judge's fingernails? I really liked her manicure. Such a pretty color!!!!!!

Tuesday, September 25, 2012

People's Court Blog - 9 24 2012 - Monday

Thomas And His Soulmate
Thomas is suing Kathleen for $10,000. The two of them met at a singles dance. Thomas loved to dance and he saw Kathleen and asked her to dance with him. They were on the road to becoming soulmates, even though Kathleen finds it difficult to explain what a soulmate is. The two of them had so much in common. They decided to buy homes, renovate them and resell them. Oh and when Thomas says they were going to buy houses, he means Kathleen pays for them and then they  split the profit 50 - 50. Kathleen does not remember it this way. She thought Thomas was helping her because he liked her. Thomas felt his time was worth $8.25. Kathleen never agreed to pay him by the hour. She never agreed to reimburse him for the money he spent on gas for all of the driving he did. After they broke up, Thomas decided he should be paid for all the work he did and all of the money he spent on gas. Since they did not have a contract or an agreement, they Judge decides in favor of Kathleen. 

The really sad thing is that Kathleen was not breaking up with Thomas. The day of the "altercation" as the two of them refer to the breakup day, Kathleen was moving Thomas's belongings from one mobile home to hers. She wanted to sell the mobile home he was staying in. When Thomas returned home from a doctor's appointment, he saw all of his belongings outside of the mobile home. He left and did not speak to her again. If Thomas was delayed that day, none of this would have happened or would it?

Nelson And His Mistress
Nelson is suing Pristine and Clean car wash for $1115.09. This is for the cost of an antennae and a mount for his mustang. He tells us that his friends and family refer to his car as his mistress. Really, is this necessary to tell us? Nelson noticed the mount and the antennae were missing after he returned home from the car wash. Why didn't he check his mistress right away? He went back to the car wash 2 days later. Why didn't he take his mistress back right away? Raul explains that there was video surveillance of the mustang and they did not save it. Why not? So many questions and very few answers! The clincher for this case is that Nelson did not check the car right away and then he waited 2 days to go back to the car wash. This is no way to treat a mistress! Oh well! The Judge finds in favor of the car wash. It is very important to deal with issues right way. Nelson would have had much more credibility if he checked his mistress before he left the car wash or at very least returned immediately after he noticed the antennae and mount were missing!

Leonardo And The Suspended License
Leonardo is suing Ramonita for $3368.81. Ramonita is Leonardo's insurance broker. At the end of December Leonardo went to her office and wrote a check to the insurance ompany for one year coverage on his car. In mid January he received a cancellation of service letter from the state of New York. When he showed the letter to Ramonita she said not to worry about it. Then Leonardo received a second notice and Ramonita gave him a temporary insurance identification card. Since he did not respond to the letters and did not make sure he had car insurance, his driver's license was suspended. He relied on Ramonita's expertise to ensure all was well. This backfired on him. Why would Ramonita lie to him? She says she called the insurance company and verified there was no problem. Getting the letters of cancellation was a very good indication there was a problem. The insurance company went out of business. Ramonita would have found this out when she called them. Leonardo's check was never cashed. He finally put a stop payment on it in April. Leonardo should have realized the check was not cashed and he did not have insurance coverage.

Leonardo wants Ramonita to be responsible for all the expenses he incurred as a result of his suspended license. He has to take some responsibility in this matter. The Judge finds in his favor for some of the expenses. and he receives $1221.81.

The real curious part of this story is why Ramonita did not explain to Leonardo what was happening. She would have known that the insurance company went out of business. She could have sold Leonardo insurance through another company. Someone needs to learn how to do their job. There must have been other clients that were affected by this insurance company going out of business. Hopefully Leonardo will learn from this experience and be more aware of the status of his finances. What do you think?

Please share your thoughts in the comments. Thank you for joining me.

Stay Updated - Subscribe!

Laughter is an instant vacation.
~Milton Berle

Saturday, September 8, 2012

People's Court Blog - 9 7 2012 - Friday

Erika And The Car Accident
Erika is suing Glenda for $5000.00. Glenda is counterclaiming for $3500.00. Both women and Erika's boyfriend were in a terrible car accident. They are all fortunate to have survived this crash. A car hit Glenda's van and she lost control and landed on top of Erika's car. Both cars burst into flames minutes after everyone got out of the vehicles. Why are they both suing each other? Erika did not have collision for her vehicle. Glenda did not have car insurance at all. She had lapsed in her payments. This is a terrible situation for both of them. Both vehicles were totaled. This accident was not the fault of either driver. Neither of them will recover on their lawsuits against each other. 

These three people are very lucky to be alive. The lesson in this case is that life is short and we need to appreciate every moment. No one knows what the day will bring for them. Glenda says that she was thinking of her children when her car spun out of control and flew into Erika's car. She just wanted to see them again. Everyone involved in this accident is conscious of the fact they were lucky to walk away. With that in mind, it is also very important to keep insurance up to date. Keeping proper coverage on our vehicle will provide us with financial protection. The person that caused this accident fled the scene and is the one who is  responsible for all of the financial burdens. What do you think?

Claire / Ivan And The Dow Museum
Claire and Ivan are suing Bernard's hospitality business for $2749.62. This is the amount of the deposit they gave for their wedding reception. Bernard is the exclusive caterer for the Dow Museum. This is in St. Augustine, Florida. The Dow Museum encompasses a group of historic homes that are routinely used for catered events. Both Claire and Ivan had attended a wedding at the Dow Museum and fell in love with it. They wanted to be married there. When they called to inquire about the procedure, they were told to call Bernard. He has the exclusive catering contract for this venue. Claire and Ivan met with Bernard in June 2011, signed a contract, and gave him a deposit for half of the estimated cost. Their wedding date was set for October 20, 2012. In January of this year, Claire and Ivan visited the Dow Museum. They were told the museum was being sold and weddings were being cancelled. They immediately contacted Bernard to find out what was happening with their wedding. 

At first, Bernard said he would give the money back. Then, he changed his mind and wanted to cater the event at another venue. He felt they had a contract and they should not be able to cancel it and get their money back. Bernard is missing the point. Claire and Ivan wanted their wedding at the Dow Museum. They had to hire him as the caterer, since he was the exclusive caterer for the Dow Museum. Claire and Ivan will get back their entire deposit. This is only right. They are so happy and can now continue with their wedding plans. The lesson here is to realize what is right. Bernard had to have known the reason he was hired was because of their desire for the Dow Museum. It would have been the right thing to do to return their deposit when they asked. It would have been the right business decision. What do you think?

Anastasia And Her Cousin
Anastasia is suing her cousin, Donna, for $5000.00. $750.00 is the pay Anastasia was entitled for work. Anastasia worked for Donna at a daycare center for several years. After Donna's mother had an issue with Anastasia, Donna did not want to pay her. Donna's mother felt Anastasia had stolen medicine and money from her. It seemed Donna paid Anastasia cash to avoid paying taxes. Yet after Anastasia stopped working for her, Donna filed a 1099. This seems rather spiteful. Donna admits paying Anastasia $750.00 a pay period. Donna has no way to prove that she has paid Anastasia. She keeps a ledger of payments, but does not include cash payments she is hiding for tax purposes. Anastasia is entitled to her pay. What else is she asking for that adds up to $5000.00? Anastasia wants the money she now has to pay the IRS since Donna filed a 1099. Really! Also she wants pain and suffering. For what? Anastasia claims she is behind on her bills and this has caused her pain and suffering. She is not able to recover this money.

Anastasia does get her $750.00. She is not happy with this and does not feel that inflating the lawsuit was wrong. The lesson here is family and business do not mix well. Also, cheating the government is a really bad idea. Why do people find it so easy to cheat and lie?

Please share your thoughts in the comments. Thank you for joining me.

Stay Updated - Subscribe!

Be miserable. Or motivate yourself. Whatever has to be done, it is always your choice.
~ Wayne Dyer

Monday, August 27, 2012

People's Court Blog - 8 27 2012 - Monday

He Lives In The Basement!
Alice is suing William for $3200.00. She says this is for rent that William owes her. William is countersuing for $3260; rent, criminal mischief and harassment. These two people know each other for several years. They met when Alice was a foster mother and William was a social worker. They dated briefly. After Alice married someone else and moved to a new home, she decided to rent out the rooms of her original home. She contacted William and asked him if he was interested to rent a bedroom in her house. He said yes. They agreed on the amount of rent and William moved in. There was a problem. Alice did not have the bedroom ready, so Willliam moved into the basement, a family room. This was not a legally permitted space for Alice to rent. That did not seem to bother William, he lived there for several months and paid rent. When Alice posted a "For Sale" sign in front of the house, William stopped paying rent. He claims that when a person is selling their house, they can not collect rent. These are not the facts and the Judge sets him straight. When William moved out, it was from the basement, he never moved upstairs to the bedroom. Since William never moved to the bedroom, Alice is not able to collect rent from him for the months he did not pay. William explains his counterclaim . After he moved out, Alice came to his new home. They got into an altercation in the street. William says she broke his goldchain and the zipper on his jacket. Alice admits to breaking these items, but not because she assaulted him, she was falling in the snow and she grabbed him. As Alice demonstrates these actions, the Judge tells her that it is an insult. How can she expect the Judge to believe such a story? Assaulting someone and grabbing them for support is very different. William gets $20.00 for the damage Alice did to his belongings. Nothing more, he has no case for criminal mischief and harassment. Alice needs to stop renting out her basement, the city  will not issue her a permit for this purpose. The Judge uses the cocaine example to illustrate why the court is not able to support an illegal position. I love this example! It is also a very good idea to know your rights before pursuing a court case. This entire issue came down to $20.00, an amount most people would not sue for. There are some people who would have stayed away from court when they have no proof or are doing something illegal. What do you think?
 
My Virgin Mary Statue Is Ruined!
Martha is suing George for $200.00. This is the value of a Virgin Mary statue, Martha shipped from New Jersey to Florida. George is the agent for the shipping company. Mary explains that her late husband won the statue in a raffle in the 1980's. He paid $20.00 for the raffle ticket. Before her husband passed away, he expressed to Martha, his desire for his son to have the statue. After 5 years, Martha decides to send the statue to her son. She takes it to George's business, he wraps it for free and she insures it for $200.00. The first $100.00 insurance was free and she paid an additional $2.00 for the next $100.00. When the delivery guy left it in Florida, he threw it over a 6 foot fence. Why on earth would he do this when the package was marked fragile? Why on earth would he do this at all? That is not the way to deliver a package. If he is not able to get through the gate, leave the slip, letting the people know they have a package. (This happens to us all the time! - the slip, not the thrown package!) The head of the Virgin Mary was completely cut off. This was very upsetting to the entire family. This statue has great sentimental value, it was even blessed by a priest. George says that no one is denying anything. He agrees the statue was broken because of the method of delivery. His needs proof of the value of the statue for the insurance claim. Martha said she does not have any proof of the value, since it is so old. She did insure it for $200.00 and on the receipt it says that is the declared value. The Judge explains the importance of declared value. When you have an item that has sentimental value, you cannot get more than the value. The exception to this, is when you cannot prove the value, then the declared value becomes very important. Since Martha insured the statue and the receipt says declared value, she gets the $200.00. I am glad that she gets her money. She deserves it, especially since she took the extra step to insure the delivery. What is the purpose of the insurance, if they are not going to pay out? What do you think? The good news: Martha's son fixed the statue and she is looking forward to visiting Florida to see it!
 
The Boat Is Paid For - I Need The Title!
Thomas bought a boat from Mark. After he gave Mark the check, he expected to receive the title. Thomas tells of countless e-mails and phone calls to try to get the title from Mark. When he does not get it, Thomas goes to court to get the title. He paid $375.83 in order to obtain the title. Mark explains that he was told by someone that since he did not have possession of the boat, he could not get the title. When he found out this was not true, he went to the Motor Vehicle to obtain the title, He claims that he scanned it to his computer and promptly mailed it to Thomas. He does not have proof of delivery and Thomas never received it. Thomas sent an e-mail to Mark, giving him a June 1st deadline for the paper title. Mark said he went to the Motor Vehicle again and received a duplicate title and sent that to Thomas. He shows the scanned copy of the title and the duplicate title to the Judge. The scanned copy shows a date of March 8, 2011 and an issue date of January 29, 2009. The duplicate title has a date of June 3, 2011. The boat was sold to Thomas on March 8, 2011. Didn't Mark realize the dates on the titles would prove that he was a liar? Also, Mark is counterclaiming for $415.49 for his time spent obtaining the titles. Really! Well, he does not get it. The good news is that Thomas does get everything he is suing for. He had to do so much extra work to obtain the title to a boat that he bought. Why did Mark have to make this so difficult for Thomas? Mark could have saved everyone so much time and effort, if he would have done the right thing. What do you think?
 

Please share your thoughts in the comments. Thank you for joining me.
 
Stay Updated - Please Subscribe!
 
This is a wonderful country.
Everyone is entitled to their own opinion.
If it will offend or insult, keep it to yourself.
- Unknown
 
 

Saturday, August 25, 2012

People's Court Blog - 8 24 2012 - Friday

The Door Was Already Broken!
Anthony is suing Kyle for $1380.00 ($1200.00 for the door, $180.00 for his time). Kyle is Anthony's daughter's former boyfriend. Anthony wants Kyle to pay the replacement cost of a patio sliding door. After Anthony's daughter and Kyle broke up, Kyle decided to come back to the house. He did not have a key, so he broke the sliding patio door to break in. Kyle claims it was already broken. It seemed when he was living there with Anthony's daughter, he used that way to get in when he was locked out. Kyle explains that there used to be a lockbox with a key, but that is not available anymore. It seemed Kyle did not have a key most of the time. Why did Anthony come back to the house after he moved out? There never is a clear answer. His girlfriend said it was for the furniture and then he changed his mind. Kyle said he needed dog food and while he was there he took his cigars and some documents. He also says that all of the furniture belongs to him. Also, he paid his share of the rent for 2 months after he left. Wow, not many people do something like that. He admits to having feelings for his girlfriend, but denies wanting to get back together. She hesitates when the Judge asks if she wants to get back together with him. They broke up because he was cheating on her and those are difficult wounds to heal. There is no doubt that Kyle broke the door, whether it was while he was living there or after he moved out. The timing does not really matter. It seems so sad, these two young people really do act like they still care for each other. They are very young and maybe just need more time. Kyle is found responsible to pay for the door, but not the cost of a new one. He would be responsible for the depreciated value of the door. The Judge estimates this to be $300.00. He has already made a payment of $100.00 to Anthony. In total, Kyle will pay $400.00 for a 30 year old sliding patio door. This seems acceptable to him, although Anthony is not happy about it. On the way out of the courtroom, they both express the desire to stay away from each other. That is a shame, they showed such promise!

My Car Was Impounded!
Myra was on her way to get her car inspected when she was in a car accident. Her car was towed to Anthony's auto repair shop. Myra is suing Anthony for $1128.86. After Myra got her car back from Anthony's shop, it was towed for unpaid parking tickets. Where did all of the parking tickets come from?  Anthony had Myra's car for several months due to insurance issues.  Anthony fixed the car without an appraisal and it took months for the insurance to pay. Since Anthony has limited storage space, he would park Myra's car on the road. The car was ticketed many times. Anthony blames Myra because her inspection sticker was expired. Myra was not able to get the car inspected because it was in the shop. Why would Anthony feel Myra was responsible? Well, Anthony shows a picture of a manila folder used as a sign that says management is not responsible for "expire" stickers. Really, when did he make this sign? It is definitely not a professional sign. All of the other signs shown in the picture are professional signs. The Judge is insulted and offended when she views the evidence that Anthony provides. She actually rips up the pictures! Why would he think the Judge would accept this as proof that his customers are receiving the proper notification? In this case, even if he had provided Myra with proper notification, she would still not be held responsible for the tickets. How could Myra get the car inspected when it was in Anthony's shop. I feel bad that Myra had to deal with her car being towed and getting it out of  the impound yard. Myra is awarded the full amount she is suing for. Too bad she is not able to receive more for aggravation! She would deserve it! What do you think?

It Is All About The Paint!
Bertila and Jimmy are suing Emanuel for $2100.00. This is the security deposit they paid for their house rental several months before. Bertila and Jimmy moved out because of the damage done by Hurricane Irene. Bertila tells about their wedding the day the Hurricane started. They came home after the reception instead of staying at the hotel. The flooding was so bad, their refrigerator floated out of the kitchen. Bertila and Jimmy went back to the hotel. When they returned to their home, the flood waters had started to recede. Because of all of the damage, they decided to move out. The landlord understood and returned $1500.00 of their security deposit. Why are we in court? Is it because the landlord wrongly withheld $600.00 of their security deposit due to Hurricane damage. No, it was because Bertila painted 4 of the rooms with very bright colors. Emanuel, their landlord, explains that he did not give permission for these rooms to be painted. These rooms needed to be repainted and that is the reason for keeping part of the security deposit. He explained all of this in a letter to Bertila and Jimmy when he sent them the check for $1500.00. Bertila and Jimmy did not cash the check because they wanted the entire amount returned. So, here we are in court. After hearing about their wedding, the Hurricane, the flooding, the floating refrigerator, we find out none of this has anything to do with the security deposit money. It is because of the paint! The Judge awards them $1500.00, so we find out that their landlord was fair and just! A breath of fresh air in the landlord tenant business!

Please share your thoughts in the comments. Thank you for joining me.
 
Subscribe to stay updated!
 
If you want to be happy, be.
- Leo Tolstoy

 
 

Wednesday, June 27, 2012

People's Court: 6-27-12: Lucky

An announcement - There is something new to the blog! I am asking readers to submit their favorite quotes or sayings. I am looking forward to your submissions.  Check out the end of the blog for this fun addition. Thank you for participating!

The first case is 5 years old. I guess the economy is causing people to go after old debts. If they are credible that would be okay. This case seems very far-fetched. William, a landscaper is suing a couple for the balance due on work he did years ago. There is no written contract to back up any of his claims. He brought in free fill to their property, installed an irrigation system and graded the property. He created berms and feels he made major improvements to their property. The couple sees it differently. I am surprised they did not countersue. They talk about flooding in their basement caused by his irrigation pipe, unclean fill used on their property and the dirt left in piles. They had to pay to have work done to correct the mess he created. He does not win the case and claims he did not even get a chance to tell the entire story. Many people will say this in the hallway. I always wonder why they do not lead with the information they feel would have been essential. This contractor needs to stay on top of his business. He should follow-up in a more timely manner. He should also keep better records in case he needs to take someone to court.

Hurricane Irene strikes again. So many cases are in court because of the damage caused during this hurricane. In this particular case an ice cream freezer was damaged from the flooding in a pizza parlor. Ryan is suing for $500.00, the cost of the freezer. When he removed the damaged freezer he had the store owner sign a promissory note. This should have been enough to get his money. The store owner signed it because he thought his insurance company was going to cover the damages caused by the storm. When the insurance money did not come through, the store owner refused to pay. Is he responsible? In this situation there is a contract. The specifics of the contract state that the store owner is responsible for the cost of the freezer in case of fire, theft or vandalism. It does not mention flooding, acts of god or anything that would describe this occurrence. The store owner is not held responsible for the money, even though he signed the note.  It is a good idea to read and understand anything you are going to sign. In most cases, you will be held to what you sign. This is a very unique situation. The store owner is very lucky.

Two business women hire someone to design a website for them. They do not have a written contract. They are able to show e-mails detailing their progress or lack of. It is helpful for them that they have this information in writing. They discuss deadlines that are not met and specifics they want in the website. When they hired Benite to build the website, they did not know they were not going to own the domain name. They did not understand they were going to have to pay an annual fee to her for the website. Benite explains that this is how a web designer does business and it makes sense. Someone has to pay for the website. Since the two women did not have a clear understanding of the agreement, they were able to get their money back. They were also able to get back the money they spent on promotional materials. It is unfortunate that Benite does not offer a written contract with all of this information. She showed the website she designed for the business and it was really nice. She seems to be good at what she does and should not have to mislead people in order to get customers.

Please let me know what you think. Thank you for joining me today.
Submit your favorite quotes or sayings and I will include them at the end of the blog.


Nothing messes up your Saturday like realizing it is Wednesday.
- reader submission
Thanks to RedShoesRock