I have had several people ask me a very important question. What is actual cash value? The funny part is that no one really knows for sure. It is not defined in your insurance policy. See, the auto policy will…
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What happens when someone else’s property is stolen or damaged in your home?
What happens if you have your friend pick you up from the airport. (On Seinfeld, it would be something crazy, but in real life, it is a nice gesture!) You stop for some food and then jump back in the…
Medical Authorizations: Should you sign them?
When you are injured in an accident or at someone’s home, the insurance company is going to tell you that they cannot settle your claim without your medical bills and records. And, for once, they are right. Yes, I said…
Where do you get your car fixed after an accident?
After you have been in an accident, the insurance company, whether it is yours or the other persons, will “suggest” a repair shop for you. I say “suggest” because they will tell you it is one of their “preferred shops”…
Who’s to Blame When The Street Bites Your Car?
It is amazing. You were driving down your street, minding your own business. You weren’t bothering anyone, especially not the asphalt. Then, out of nowhere, the street jumps up and hits your car. (Okay, more likely there was a pothole…
You Hit an Unoccupied Car – What should you do?
Someone on Craigslist wrote to one of the forums about an experience they had. This person was driving a car in the evening and struck another vehicle. The driver got out, looked around, and saw no one was there. So,…
Adjuster Writing Skills
As part of my “fun” activities, I have written for several journals. I write extensively for the CPCU Society and the Claims Section. I primarily do this as a way to provide information and insight to adjusters so that the…
More on Pet Insurance
I previously posted about pet insurance here. Well, today I was reading my google alert and I came across a news story about pet insurance. So, I thought I would pass on more information. The Whittier Daily News reports that…
Reservation of Rights: What does it mean?
Sometimes you will hear an insurance adjuster tell you that he/she is going to send you a reservation of rights letter. It is a fancy name for a really long letter (at least the well written ones are good!). But…
Uh-Oh: You Forgot to Add a Driver!
I met with a new client this week. Her brother was driving a friend’s car when he was involved in a motor vehicle collision. I asked about the brother’s insurance and was told he does not have any. (Fortunately, the…