Car Insurance and Your Claims: They MUST Pay!
August 21st, 2010 | 
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To further complicate matters, even if a loss is covered, the policy most likely includes a deductible as well as coverage limits. Depending on the nature of the loss, multiple insurance companies may be involved. For example, if a storm strikes and you have both wind and flood damage, you may have to file a claim with your homeowners insurance for the wind damage and another with the national flood insurance program (if you have flood insurance) for the water damage.
Depending on where you live, your deductible may be higher under certain circumstances. For example, in Florida, your insurance deductible for hurricane damage is much higher than if your home was burglarized. So, will your local insurance company pay or won’t they? Look at it this way, insurance companies DON’T want to pay. They are in business to generate profits and will need to be convinced BY YOU that the claim should be paid. The burden of proof lies on you, the homeowner. This means that you will need to prove your case and do it well. The better prepared and more organized you are, the better.
Documentation for Making Insurance Claim
Start with documentation. You may need to take dozens of photos and provide your direct insurance agent with detailed estimates to counter against the insurance company’s original settlement offer. You may need to demand to see how the agent depreciated your property and negotiate a more reasonable method. While your homeowner’s insurance policy is a contract, the claims process does provide room for negotiations with auto insurance company (more information on best negotiation tactics in How to Contact with Auto Insurance Company? article).
Your best bet is to be prepared for a fight. Your tools in this battle include a detailed home inventory, digital photos and video documenting the damage, estimates from local contractors, and a willingness to demand a better offer. You don’t have to do this alone. In fact, many contractors are willing to be present during the insurance adjuster‘s visit to help point out damage that the adjuster might have otherwise ignored. In addition, public home or auto insurance adjusters act as advocates for the homeowner and work on your behalf to negotiate a higher settlement offer.
Arm yourself with knowledge, documentation, and real-world estimates while also considering professional representation and you’ll be better equipped to answer the question, “Will they pay for it?”
Watch the video related to insurance
In this spot from Travelers, featuring music by Ray lamontagne, we follow along as a worried dog searches for, and ultimately finds, the smartest way to protect his most prized possession.
Help answer the question about insurance
How does the insurance company find out about moving violations?My understanding is that when you get a moving violation (e.g, a speeding ticket), the police or the courts or whoever will notify your insurance company. When your insurance company finds out and finds out about the points that are now on your license, they raise your insurance premium. However, a friend tells me that he's received several speeding tickets, that his insurance company has never found out (meaning no one is notifying his insurance company), and that his premium has therefore never gone up. How is that possible?
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Man how did you get such a long question on Y!A?
What is funny in this entire discussion is the socialists who want government control of health care will tell you that other countries do it so should we. Which reminds me of my mother, she used to chide me when I used such a phony argument was that if every one else jumped off the bridge would I also.
She was right, just because other countries have tripped down the path of socialism does not justify AMerica doing it.
No one in this country is without health care, anything to the contrary is just a LIE. YOu can get care when you need it, just go to an ER and they will care for you, and the most amazing thing about this one simple great feature of our country, you will receive care regardless of your ability to pay.
SO you see, this whole thing is smoke and mirrors, kind of like class envy. The socialists will tell you you do not get what those who have more money get, which is a LIE. Care is care.
I laughed til I realized this was real…..Now I am just pissed. Email this to me please. So I can print it out…promise I won't sue you. And you get a star for your efforts to educate us.
If your mother has an attorney — then ask him.
Your mother will be paying him a very hefty chunk of any settlement that she gets. So you might as well ask him.
Also – if your mother is represented by an attorney – the insurance company can not speak to her with out the lawyers permission. That means you calling them…..your mother calling them…..your calls will not be returned. The insurance company can not speak to either of you unless your lawyer gave them permission (usually in writing).
The manager is not "playing dumb". You are represented by an attorney — LEGALLY HE CAN NOT DISCUSS THE CASE WITH YOU WITH OUT YOUR LAWYERS PERMISSION (USUALLY REQUIRED TO BE IN WRITING).
haha can you imagine being the person on the other side of the phone? i would prolly quit my job
we were just talkin in health class how male auto insurance used to cost more!!!!xd
i should totally ask if we can play this in class!!!!xD
itd bee HYSTERICAL!!!!!!!!!!!
Godbless!!!!!!!!
the guy knew what he was walking into when he said “why are they so jealous” hahahah
bid4insurance. com for simple insurance tips.
“I just figured you send out boxes of driving talent to people when they turn 25.” Lol pwned!
Health Insurance seems to be in a category of its own in regard to knowing what you are paying for. Health Insurance companies seem to have free reign over how much they will be willing to pay as well as what they are paying for
Why are they so jealous?
CUZ MY PENIS IS HUGE LOL
I see it the same way you do.
BTW: The insurance companies pulled out of Florida, as well, and this contributed in large part to the housing bust (in my opinion). Even if you had buyers willing to pay the price, they couldn't get insurance = no sale.
zu geil^^
Copy and paste isn't always your friend. The other answers you got were quite right. It is partly your fault. Even your own insurance company told you so. Not sure what else you are looking for, and since Geico already made their decision, there's nothing anyone here can tell you to make them un-make it. Sorry.
man we get charged way to much for insurance
i mean how do we afford that we cant even afford to live anymore now because every penny we have goes to stupid car insurance!!!!
Just get your things and MOVE! Don't think too much about it because you'll start talking yourself out of it! That's how you get the strength. I also was with a jerk and started my life over and it was the BEST decision i ever made! JUST START PACKING GIRL!!!!
well i disagree with the first paragraph which i will explain later. your second paragraph is fine, if you're going to share this with others though i would try to figure out how to make it shorter, snappier, with a better punch in a smaller amount of words. I agree with your 3rd paragraph, i think that anyone who disagrees with that either lacks common sense or has something to gain. By the way, those are some of the things obama is proposing for the bill. Now back to the first paragraph, comparing something like a vehicle to something that is a necessity to stay alive isn't fair. a poor person wont buy the cadillac the rich guy buys, the poor guy will buy a crappy used car. that doesn't seem unfair, a guy with more money should be able to buy a nice car right? but unfortunately when the free market is imposed on life and death matters, the poor person is screwed and dies or goes bankrupt paying for his health care. i could go on and on but you probably get where im coming from. So the analogy is fine except you are on thin ice when comparing luxury items to life necessities
i am so using this lol