When you file a claim with your homeowners insurance company, they may deny it. Some things are not covered. Some things are covered, but the insurance company still will not pay the claim. What do you do when this happens?…
Posts Categorized In: Claims
Your Policy Limits and Your Privacy
When you are in an automobile accident, the other party may request your insurance limits. Basically, they want to know how much insurance you have. Do you have a 15/30 policy, or a 50/100 or a 100/300 or what? Why…
Your auto insurance and the “preferred shop”
The insurance company, after an accident, is going to suggest you go to their “preferred shop.” Why do they do this? First, the insurance companies use shops that are more agreeable to after-market parts, etc… This decreases the costs of…
Some rules about deductibles
A reader wants to know when he has to pay his deductible and to whom. Here are some general rules, although they do not always apply. Your deductible applies on “first party claims.” A first party claim is basically any…
The privacy laws and obtaining the name of the other driver
After an accident, you may not have the other person’s name. Sometimes the other insurance company will contact you and give you the name of their “insured” but this may not be the name of the driver of the car….
Are you covered driving your friend’s car?
As you know from reading my blog, insurance follows the vehicle, generally. But, this is just a general rule. But a reader wants to know, if you drive your friend’s car, are you covered? The policyholder, or named insured, can…
Your auto insurance and the
Workers Compensation Savings: Does it add up?
The LA Times is reporting about a report being sent to the Governor and legislature showing state businesses have saved $8.1 MILLION since the Governor’s work comp reforms have been enacted. That is great for California businesses. However, the problem…
An Umbrella Policy: Do you need it?
A personal umbrella policy will cover you if you injure someone or damage someone’s property. It is relatively inexpensive ($300 or so for $1,000,000 in coverage). The catch to getting one is that your home and auto insurance usually have…
Storage Costs: Who Pays?
After an accident, your car may end up in a storage yard or at a tow facility. The question then becomes who pays for these costs, including tow costs. If you have collision coverage, your insurance company should be paying…