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albstone94 · 6 years ago

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A Multi-Million Dollar Legal Fee Lurking in the Background

Big projects require lots of legal work. In Whiteman Osterman & Hanna, LLP v Preserve Assoc., LLC 2019 NY Slip Op 29056 Decided on February 28, 2019 Supreme Court, Albany County Platkin, J. we see the unusual situation in which a law firm waits 13 years or so to collect a huge legal fee, and does so in a way that allows immediate summary judgment on the amount.

“Pending before the Court are motions for summary judgment in lieu of complaint, made pursuant to CPLR 3213, in two separate collection actions brought against defendants Preserve Associates, LLC and Tupper Lake Preserve LLC.[FN1] In Action No. 1, the law firm of Whiteman, Osterman & Hanna, LLP (“WOH”) sues to recover the sum of $7,131,156 pursuant to a written agreement providing for the payment of past-due amounts owed for legal services rendered from 2006 through 2018. In Action No. 2, the law firm of Shanley, Sweeney, Reilly & Allen, P.C. (“SSRA”) sues under a similar instrument to recover the sum of $667,808, representing unpaid legal fees from 2004 and 2005. Defendants oppose the motions.

BACKGROUND

Plaintiffs are law firms that rendered legal services to defendants in connection with the development of the Adirondack Club and Resort (“Adirondack Club”) in Tupper Lake, New York (see NY St Cts Electronic Filing [NYSCEF] Doc No. 3 [Action No. 1], ¶¶ 2-3 [“Henry Aff.”]; NYSCEF Doc No. 3 [Action No. 2], ¶¶ 2-3 [“Allen Aff.”]). The Adirondack Club project (“Project”) is located on about 6,200 acres of land surrounding the former Big Tupper Ski Area, and the Project encompassed: the renovation and re-opening of the long-closed ski area; the construction of a new ski lodge, restaurant and hotel; permits for 651 building lots; development of an extensive network of cross-country and hiking trails; and the construction of a marina and clubhouse on Tupper Lake (see Henry Aff., ¶ 3).[FN2]

SSRA rendered legal services to defendants in 2004 and 2005 in connection with the real-estate development work on the Project (see Allen Aff., ¶ 2). By January 2006, defendants had fallen behind in their payments. “As an accommodation to the client, [SSRA] agreed to a [*2]forbearance in the collection of the legal bills in exchange for accruing interest and a bonus in the event that an extremely contentious permit was obtained from the Adirondack Park Agency” (id., ¶ 4).

In January 2006, lawyers from SSRA joined WOH (see id., ¶ 4), and WOH thereafter rendered legal services to defendants from January 2006 through October 2018 in relation to the Project (seeHenry Aff., ¶¶ 2, 4-5, 10). “By 2008, the growing recession caused [defendants] to fall behind in payments due for legal fees and expenses,” and WOH similarly agreed to forbear from collection in exchange for the accrual of interest and the prospect of a success fee (id., ¶ 4; see NYSCEF Doc No. 5 [Action No. 1], pp. 3-4 [“WOH Retainer”]).

From 2006 through 2018, plaintiffs honored the forbearance agreements while WOH “guided the project through . . . the APA permit, Town of Tupper Lake rezoning and subdivision approvals, New York State Department of Environmental Conservation permits, United States Army Corps of Engineers permits, and New York State Attorney General approvals” (Henry Aff., ¶ 5). WOH’s legal work also “included defense of five lawsuits involving the [P]roject, including two appeals to the Appellate Division and a motion for leave to appeal to the Court of Appeals. All of this litigation was decided in [defendants’] favor” (id.).”

“”An estoppel . . . rests upon the word or deed of one party upon which another rightfully relies and so relying changes his [or her] position to his [or her] injury” (Triple Cities Constr. Co. v Maryland Cas. Co., 4 NY2d 443, 448 [1958] [internal quotation marks and citation omitted]). Under principles of judicial estoppel, a party may not take a “factual position in a legal proceeding that is contrary to a position previously taken by [the party] in a prior legal proceeding” (American Mfrs. Mut. Ins. Co. v Payton Lane Nursing Home, Inc., 704 F Supp 2d 177, 192 [ED NY 2010]). In other words, a “party will not be permitted to assume a contrary position in another proceeding simply because the party’s interests have changed” (Green Harbour Homeowners Assn., Inc. v Ermiger, 128 AD3d 1142, 1144 [3d Dept 2015] [internal quotation marks and citation omitted]). These principles apply with equal force where the earlier position successfully was taken before an administrative agency (see American Mfrs., 704 F Supp [*8]2d at 193 [collecting authorities]; see also Mahoney-Buntzman v Buntzman, 12 NY3d 415, 422 [2009]).

Further, “a party’s affidavit that contradicts his or her prior sworn testimony creates only a feigned issue of fact, and is insufficient to defeat a properly supported motion for summary judgment” (Pippo v City of New York, 43 AD3d 303, 304 [1st Dept 2009] [internal quotation marks, brackets and citation omitted]).

Here, plaintiffs have established that Lawson did, at pertinent times, bind defendants in relation to matters critical to the development of the Project. This is in stark contrast to Lawson’s current testimony that he lacked such authority, as well as Lawson and Foxman’s testimony that Lawson’s only authority to bind defendants arose from formal actions of the type taken in connection with the OWDT transaction.

Plaintiffs’ proof further demonstrates that defendants, through Lawson, submitted sworn statements to OAG that were relied upon by the administrative agency in taking favorable action on the proposed Martin Act amendments. Lawson also prepared affidavits on behalf of defendants for submission to Supreme Court, Franklin County in connection with the successful continuation of a mechanic’s lien asserted against Project lands.

Having consistently obtained substantial benefits on the basis of Lawson’s representations that he was authorized to act on defendants’ behalf, defendants are estopped as a matter of law from denying Lawson’s authority to execute the Agreements and Amendments. To hold otherwise would accord defendants “an unfair advantage [and] impose an unfair detriment on [plaintiffs]” (American Mfrs., 704 F Supp 2d at 198).

B. Statute of Limitations

Defendants contend that plaintiffs’ claims are partially barred by the expiration of the statute of limitations. Specifically, defendants argue that plaintiffs may not obtain recovery of attorney’s fees incurred more than six years prior to the commencement of these actions.

The Court concludes that this defense is without merit. Plaintiffs’ actions are brought under the Agreements. Defendants’ default under the SSRA Agreement occurred no later than September 16, 2017, and their default under the WOH Agreement occurred no later than December 1, 2017.Moreover, and in any event, the record shows that defendants reaffirmed their indebtedness to plaintiffs on January 29, 2016 via written instruments executed by Foxman (see Henry Aff., Ex. B; Allen Reply Aff., Ex. H), thereby beginning the running of the six-year statute of limitations anew (see General Obligations Law § 17-101; Lew Morris Demolition Co. v Board of Educ. of City of NY, 40 NY2d 516, 520-521 [1976]).

C. Reasonableness of Attorney’s Fees

Finally, defendants claim to have raised triable issues of fact concerning the reasonableness of the underlying fee obligation that plaintiffs are seeking to collect. Specifically, defendants argue that in the absence of detailed invoices, time sheets and billing records, there is no way to ascertain the manner in which the underlying fee obligation has been calculated, and no way to assess whether plaintiffs’ charges were necessary, reasonable and/or proper. According to defendants, they are entitled to discovery to analyze, assess and challenge the amounts claimed due.

The proof adduced by plaintiffs in reply [FN12] shows that WOH contemporaneously sent at least 148 monthly billing packages to defendants, each broken down to the tenth of the hour and providing detailed narratives of the legal services provided (see Henry Reply Aff., ¶ 11 & Exs. 6-7). Likewise, SSRA sent 13 similar billing packages to defendants during its more limited period of representation (see Allen Reply Aff., ¶ 4 & Ex. A). Despite receiving detailed billing statements for almost 13 years and repeatedly reaffirming the amount of their indebtedness in documents delineating plaintiffs’ computations (see e.g. Henry Aff., Ex. B), defendants failed to raise any contemporaneous objections to the charges claimed by plaintiffs (see Lapidus & Assoc., 92 AD3d at 405-406).[FN13]

Even now, defendants fail to raise any particularized objections to the amounts claimed by plaintiffs. Defendants merely question the reasonableness of certain charges in highly conclusory fashion (see Foxman Aff., ¶ 12), which is insufficient to raise a triable issue of fact (see Shea, 194 AD2d at 371). In this connection, the Court notes that detailed information concerning the fees claimed by plaintiffs has been in the possession of defendants for many years, and defendants neither contend nor offer admissible proof that information needed to oppose the motion lies in the exclusive possession of plaintiffs (see CPLR 3212 [f]; Ingalsbe v Chicago Ins. Co., 287 AD2d 939, 940 [3d Dept 2001]).

Finally, the Court observes that plaintiffs undertook about 13 years of legal work to assist defendants in obtaining all of the government permits and approvals needed to develop a 6,200-acre luxury resort in the Adirondack Park (see Henry Reply Aff., Ex. 9, p. 3). Plaintiffs’ work further encompassed the successful defense of all associated litigation and appeals. All the while, plaintiffs were not being paid for their work, but undertook to continue to render professional services (and forbear from collection, despite the obvious risks) in reliance on defendants’ repeated promises to pay the past-due legal fees, interest and a success fee. On these facts, the Court sees no procedural or substantive unconscionability that should prevent plaintiffs from obtaining the substantial recovery sought herein (see generally Matter of Lawrence, 24 NY3d 320 [2014]).”

A Multi-Million Dollar Legal Fee Lurking in the Background

#New York Attorney Malpractice Blog #A Multi-Million Dollar Legal Fee Lurking in the Background

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beardedwinnerobject-blog · 7 years ago

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About 2 years ago, I was in one heck of an accident. Everyone in my car passed out, and the other car was basically fine, so police only went off their story. And they're not going to say it was their fault I assume. Police report says it was my fault, but i don't know. Stuck me in a coma for a while :P I had a severe traumatic brain injury too. So all in all, I don't drive because my mom doesn't want me to pay much for car insurance. I've heard different numbers, but the cheapest quote I've heard is $300 a month! I'm actually going on an LDS mission for two years, and won't be driving until it's done. So about March of 2016. Will my car insurance go down at all in that time? I will turn 21 in June of 2016 too

Question about health insurance?

My fiance got a job that has health benefits but I dont have health benefits, so how can I get onto my fiance health insurance and how much would it cost??....""

""About health insurance plans in the state of NY, which one covers alot?

And for a decent/reasonable price ? Are there any plans that offer members the option of playing annually versus monthly ? Do you know of any Medicaid manged program care ?

Do insurance companies consider a 1985 Monte Carlo SS a sports car. Wondering what insurance would cost.?

Do insurance companies consider a 1985 Monte Carlo SS a sports car. Wondering what insurance would cost.

Will my company have to pay a fine for not offering me an affordable insurance plan?

The word going around is that the change in our insurance coverage is only going to drop by a small amount due to the act, and the price someone told me is much more than 9.5% of my income. If I apply through the marketplace for the reason that I cannot afford insurance with my company, will they be fined for not offering me an affordable plan, or do they just get fined for not offering benefits at all?""

Which company offer you the cheapest car insurance?

I'm a girl, over 25, no conviction, it's for a mini""

How much is car insurance usually in UK?

I live in London and don't have a clue about this thing but I just passed my test at 29 and hope to get a decent looking car that has had a previous owner and don't under all this quote business. I've got about 2670 to spend. So half of that will be for a deposit. How much do most people spend on insurance a year and what would be a cheap price range for me to look for? How much should it be for a month?

""19, need affordable health insurance?""

I need to be more independent and get my own health insurance. I'm a full time student and my university offers a health insurance plan that costs a little under $2,000 per year but someone told me I should first look into plans available through the Affordable Care Act. How do I find an affordable plan right for me? I'm not even sure which professionals to ask about it..""

What exaclty are the purpose and definition of INSURANCE?

Why did people invent insurance, what was their reasoning behind it? And why did we make auto insurance mandatory...or the insurance for your home? Wasn' t it conceived to help in case of catastrophic events? Isn't the purpose of health inurance similar..to help pay for the catastrophic or complex diseases? How is making this mandatory different from making auto insurance mandatory?""

Cheap health insurance?

What is a good company for CHEAP health insurance?? For 19 Male (single)

How much would my car insurance be?

Right now I have a Nissan Maxima that im paying about $1000 per year liability insurance on. But this car is giving me problems and I am tired of putting money into it so im looking into a new one. I seen a nice 08 Honda that I can afford but my only concern is that my insurance will skyrocket because I have been told that I would have to get full coverage on it. So about how much would insurance on a 08 Honda accord be for a 20 year old male. Btw I have all state right now can anyone recommend a nice cheap insurance?

Does anyone how much full coverage insurance is for a hybrid car?

How do i fight GAP insurance?

hello.... so i purchased a vehicle in 2006..... didn't like it too much so i took it back to dealership and traded it for a different vehicle and bought full warranty on it. dealership said the warranty was good for 50000 miles or 4 years. the vehicle was totaled just recently and i owed about 7500 dollars on it. my insurance paid 6100 dollars for it and i was thinking ok no problem the gap will cover the rest , but the gap insurance is only paying 212 dollars on it. they said there was some left over loan on my old car which they will not cover... i don't know much this insurance crap but its really breaking my balls that i will have to paying almost a 1000 dollars out of my own pocket. is there any i can fight gap insurance and have them pay the entire left over loan??""

What is the cheapest car insurance for girls ?

I need help with my car insurance it's too much money does anyone know the cheapest car insurance for girls 18yrs old ? I pay 229 a month way too much can someone help me pleasssseeeee ... And my car is a 1.2litre

How do you know if your auto insurance is full coverage? my car is financed and i'm checking on geico.com?

i'm getting insurance quotes and normally i call and talk to someone and just say i was full coverage. i'm on geico.com and that's not an option. they'll let me select bodily injury liability and i checked the box that said i was financing my car so maybe they give me full coverage no matter what then

How much will my insurance go up after an accident?

Ballpark estimate. My rates right now are about 2000 a year... I just totaled a car. My fault, speeding wasn't a factor... just bad luck/inexperience. I'm 18 and have no prior accidents or points on my liscence.""

How much a month would car insurance be for a 2010 dodge charger? Im about to turn 18 and plan on getting this?

car. I know it depends on where u live etc..but i want to know the average cost per month of this particular car. I'm going to be joining the marines..idk if this matters but most places offer a military discount. So any feedback would be greatly appreciated.

Why does health insurance want me to include all family?

Is there a way I can just do an individual healthcare for myself, without it asking for my whole families information? Plus I don't even know if it's including them into the plan or not.

What is the approx. monthly cost for a car insurance for a 19 year old?

i have about one year with my license, i dont have a car yet, but i want to learn more about car insurances before i get one, and i want an idea of what is the cost.""

How much is motor trade insurance?

I know this is a bit of a vague question! I am 26, clean license, 1 years no claims and would be working from home buying and selling 5000-10000 cars. Any ideas or how much do you pay if your in the trade yourself? Cheers.""

What car insurance company will insure my car with a permit in California?

I wanted AAA but they do not do that. Any suggestions? PLEASE!

What is a good month by month health insurance company in Central FL?

I need health insurance hand don't have a job. What is a good pay by the month insurance company that has decent coverage and is affordable, by affordable I mean between $30 and $80 a month.""

Can a family friend put me on their car insurance?

So i live in the state of california. I have had my learners permit for more than six months now. I want to get my drivers license but due to the economic crisis my parents aren't able to pay every month to have me on their car insurance. A family friend has offered to put me on their car insurance, but what my parents want to know is if that is legal in the state of california or do I HAVE to be insured by my parents?""

""I accidently backed into a car, but the owner doesnt want me to turn it in to my insurance?""

She doesnt have car insurance and is scared she'll get into trouble. Its at least 500 worth of damage. Do i have to pay her out of pocket? I pay insurance for a reason!!! My deductible is only 100, and i dont feel i should pay anymore than that.""

Insurance Part II: Is it better to purchase insurance or to insure myself???

Witnessing the treatment clients in the Gulf Cost are getting from the insurance companies I was wondering if Insuring myself <Paying myself premiums into my own controlled account> would be safer than to continue to buy insurance through a company. Then I wouldn't have to argue about the fine print in the policy should I ever need it!!! What do you think? http://answers.yahoo.com/question/index;_ylt=AiXHGfR0V4Wu_wR4yFSL9Xvsy6IX?qid=1006042106706 <I have no mortgate; so no banking requirements to make me buy insurance: I am dicipled to pay to my own account>

Insurance policy for a newly licensed driver?

I recently got my license at the DMV. My parents won't let me drive a car because of the cost of insurance. They told me that I have to wait for the price to go down. My question is, how much does insurance cost for a 17 year old male in California and if it's true that I have to wait for the price to go down. Please explain car insurance in general.""

Is there a way to get inexpensive short term insurance for....?

An item like a video camera or video camera equipment. And say you wanted to rent them to people, is there a way to get insurance for those items while other people use them?""

Does a salvage title cost more when it comes to getting insurance?

I want to buy a motorcycle. however, it has a salvage title. will the insurance be more? P.S. all i want is liability.""

What car has the cheapest insurance for a first time driver?

i have looked at a few cars and atm i think a corsa 1.0 is one of the cheapest i know that i will need to get a 1.0 but does any1 know any other 1.0 litre cars that are decent so i can compare??

Can my employer drop group health insurance coverage while I am pregnant?

I live in Oklahoma and I just found out that I am pregnant and my employer is considering dropping my group health insurance. Are there any laws that prevent me from being dropped? How do I continue my health insurance to cover my pregnancy?

What are some affordable life insurance policies for people with diabetes?

What are some affordable life insurance policies for people with diabetes? Looking for $400,000 in coverage.""

Car insurance for a 17 year old? HELP?

Im 17 in the uk and passed my test 2 months ago and have been insured as an additional driver on a parents car since then (2500 for one year on a ka what a piss take). no claims or convictions, nothing. I've been looking to buy my own cheap car but the prices insurers are asking for on comparison websites are absoloutley ridiculous, 10,000 annual for a ford fieta worth 900! I've tried choosing cars with small engines like a citroen c1 but STILL ridiculous quotes. How ar other youngsters complaining of their annual insurance of 3000 when I cant even find one under 10,000!!!! WTF. How are 17 year olds driving their own cars at my college? from what I've seen its financialy impossible unless their parents are millionaires. Half the insurers I go to online are 'unable to offer a quote', and theres no point in me taking pass plus because that'll only take 100 off of a giagantic quote which'll make no difference whatsoever. WHAT THE HELL. my postcode is RM7 if that makes any difference? Is there any kind of specialist young driver insures that I can go to who'll give me a better deal? I mean even if it was 5000 annual I'd be happy! Or insures that do that black box in your car thing? Because Im actually a very safe driver and having to pa astronomical amounts because of statistics is rather annoying. So any ideas of insurers I can go to direct to try and get a decent deal? thanks""

Does Mercury Car Insurance give instant proof of insurance?

Can Insurance Companies ask for co pay?

I never got into an accident before and once I did it had to be a hit and run. I bought a brand new car and want the repair to be done by the dealership (they have their own collision center) but the insurance company is saying that I need to pay 20% of the total repair cost and my deductible. I live in the state of California.

HELP!!!! Insurance company saying I owe money after a car accident that happened 2 years ago! What do I do?

2 years ago I got into a 4 car pile up accident. The accident was my fault. After the wreck happened, my insurance company took care of all the people who were involved in the wreck but me because I had only liability. No one was hurt in the wreck. I recieved a letter from my insurance company that I owed them $700.00. I paid it and they told me everything was taken care of and never heard anything about the accident. Now 2 years later I get a letter from the Credit Collection company saying I owe them $82,000 dollars!!!! WHAT SHOULD I DO?!?!? How do I find out what they want me to pay so much money for??? and what do I do if i cant pay this!? there is NO WAY I can afford to pay that much $$!!! How do I keep my credit from messing up or is it already messed up since the collectio company sent me a letter??? PLEASE HELP! anyone who knows anything about this or has been through this...""

Van with low insurance? HELP?

My car broke down, and i need a van pronto. I am a professional dog walker and need wheels all the time as cover a large radius. This is a perfect time to take the step into have a van. I only want something small. which i can split the back into two sections so can carry two dogs at a time. similar size as a renult kangoo, transit connect, vahxall combo - that sort of size van. It needs to be a low insurance group - as i have 4 years driving but no commerical No claims only car no claims - which ive been told doesnt count on a commercial policy. also needs to be diesel and a very small engine like 1.3 or something as i do so many miles and fuel costs atm. I have around 3000 to spend on a van. Any direction as to a suitable van, that fit my requirments would be fab! Ive been looking all night and cant find anything :( Thank you!!!!""

Insurance not paying a claim!?

Boy this is a good one & I don't know what to do Next! I went with the Lizard insurance even though they are Snakes and don't want to pay for any Claims! It started in 2010 with my truck, I took it to where they told me and they only paid for cosmetic damage even though there was a lot more including my steering was so bad I had to stop driving it. I wanted to take it to a shop that I had my truck lowered which because of we're I lived and the shop was I couldn't drive it, 65 miles. I had AAA tow it to my new house and from there after 2 years of not driving my truck they agreed to have it towed 7 miles to the shop. Well I told the claims adjuster what was wrong, he told me I needed to write a list and drop it off at the shop so I just got my Chopper back from the shop and went down to where my truck was a wrote a list of what I thought was wrong. Here is where the first of my troubles started, on the way home I am riding on the freeway and a truck to the right of me had a blow out and a Giant tire flew right in front of me, I couldn't do anything other than to run it over. It happened so fast, I hit it and made a brown spot in my shorts, jk. I then noticed smoke coming from my Chopper, it was Bad so I pulled over and noticed that my tail light was knocked off and caused some damage and the bold that holds my tail light on came off and rubbed on my new Avon 250 tire and Melted the side wall. I was able to ride home and once I saw all the damage I knew it was a problem. I called the Lizard and made a claim. The claims adjuster called me and said he will be out that Saturday, so saturday came and I never heard from him, I had his number and left a message, so this went on until Thursday and I called the lizard again and they transferred me to the AH boss and I left him a voicemail. Well I didn't hear from him as a few more days went by so Called back and got his boss's boss. The next day I got a nasty voicemail from the claims adjuster bitching at me. I called customer service and told them he went off on me and they can hear my voicemail too but no one listened to me. So I was told to call his boss, I said then I don't want this claims adjuster to come out, I don't want to speak to him or have anything to do with him. They were so sorry and said they totally understand and later that day the big boss called and I told him I hadn't heard from the adjuster other than a nasty voicemail and I want someone else to come out and not him. The boss said I understand and he will take care of it. So two days later the rude claims adjuster showed up at my house to take care of the claim, I was shocked it was the AHole I didn't want to come out but his bosses boss told him he better get out there and take care of this. Well once he was there, he wasn't as nice as he had been and couldn't be more rude than he was. I told him what had happened and the Damage, all he said was Prove it, Prove it, Over and over with everything I showed him. It caused major damage to my shocks and front forks, he laughed and said they are designed to roll over things and that it couldn't happen from hitting a tire in the road, well it can because that's exactly what happened. He was such a AHole I said, why did you even come out, did you just come here to be a @ss Hole or what!! He didn't say a word and just left. They paid out just a little for damages to the paint, tail light and the tire. The tired was new and cost 500 but they paid me 100 bucks for it. Mean while my truck is at the shop still to get looked over for the damage and they didn't pay a dime and the worst part was when I got the truck back from being towed, I started after the tow truck drive let it down and it sounded funny, then I smelt burning plastic so I opened the hood and my entire air intake system was gone!!! The burning was th vacuum hoses laying on the headers. I called the shop where my truck was and they said they are not sure what's going on but to call back. Well they are no longer in business and I lost all that so I called and opened a claim, now they are investigating me over this. So I have damage from 2010 that has never been fixed, my bike isn't right and someone had stolen my Volant cold air intake that's not being taken care of. What do I do? This is BS, I don't deserve this from my insurance Company and for them to treat me like they have, not pay out the claims. I needed my truck smoged Dec 31st so because all the parts to have it smogged weren't there I couldn't have it down and I have a ton of late fees with the DMV in California. My Volant is smog legal, I have the Ca numbers for it but it doesn't matter, I am getting the run around like no tomorrow. I will Drop GIECO and go with Farmers but not until my truck and bike are fixed. I have called everyone I could at Geico and no help!""

Insurance on a Ninja 250r? (2008- and newer)?

I would just like to know what people pay on this model (2008-and newer). Location and what your monthly or yearly cost is would be most helpful.

How much would insurance cost in Vancouver BC...?

I'm a new driver, 20 years old. I'm going to buy a new car (2011). I want to use it to drive to school since over the past 2 years I have a lot of things to do and don't ...show more""

Who has best affordable health insurance?

Looking for health and dental insurance for 1 + spouse in Texas.

Any tips for getting insurance for a first time driver? (UK)?

any ideas about which cars are the cheapest to insure/cheap companies etc? thanks:)

Do we need land lord insurance?

A close family friend is living in a property that have been left to my brothers, sister and myself by our mum but not paying rent do we need to get landlord insurance.""

Which would be cheaper to insure for a 16 yr old male?

a hyundai tiburon (not gt, just the regualar one, probably a 2004 or 05 because of the added anti theft put on the car after 2003, which lowered the insurance rate) and the tiburon is NOT considered a sports car, so dont try to convince me that it is,lol. or a scion tc 2005(regualr, not gt or whatever scion calls its sport verson) i really like the scion tc but this will be my first car and i cant be picky, id have to go wtih which ever is cheaper to insure. any advice (dont tell me to buy a cheap clunker, my dad doesnt want me to get one, he wants me to find a nice, afordable car) thanks!""

Why does health insurance want me to include all family?

Is there a way I can just do an individual healthcare for myself, without it asking for my whole families information? Plus I don't even know if it's including them into the plan or not.

https://www.linkedin.com/pulse/car-insurance-quotes-winchester-indiana-riley-mcclain/"

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