Do I have any grounds for a law suit?

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Do I have any grounds for a law suit?

In May 2016, we moved into my grandmothers
house that was signed over to my mother a year or 2
previously. There was no home owners insurance
on the home. A couple of days prior to us moving in,
I asked my mother to put a home owners insurance
policy on the home. She did and we paid the 38
premium each month. The funds were electronically
transfered from my bank account every month, which
I have proof of. On June 12, 2017, the house was a
total fire loss. My mother collected the 100k
insurance policy and kept every penny for herself
and chose not to rebuild. I realize the policy was in
her name. My question is do I have any legal
recourse at all against her since I was the one that
paid that policy?

Asked on May 26, 2018 under Insurance Law, Tennessee

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 3 years ago | Contributor

If your mother took out the policy, the proceeds from it are hers; the fact that you voluntarily chose to pay the policy does not give you any entitlement to the money. Since the policy was in your mother's name, you had no legal obligation to pay it for her; she was the one obligated to pay it and you could have let her pay for her own policy. That you chose to pay it when you did not have to does not give you any claim to the proceeds.


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