by Guest » Mon Oct 29, 2007 06:02 am
Not at fault but asked my insurance co. to handle case because good repair shop said the at fault co. is known to pay only about half the labor cost and rest out of my pocket. My ins. co. accepted.
Posted: Mon Oct 29, 2007 07:44 am Post Subject: remember..
Hi there...as far as I remember...there was a similar case with my friend Jessie...but it would be correct to say that she needed to pay the deductible only...n the entire rest was paid by the insurer.
Posted: Mon Oct 29, 2007 08:07 am Post Subject:
Its always good to let your insurance co. deal with such cases, since they can not only support you with realizing your claim but they might as well help you through their invaluable expertise and guidance. You're never at a loss.
Pre-emblem
Posted: Mon Oct 29, 2007 08:14 am Post Subject:
Yes, I agree to the point that the probability to achieve your claims when dealt by your insurer is quite more than when you deal with it personally. Certainly!
Posted: Wed Oct 31, 2007 12:03 am Post Subject:
Hi!
Thanks for your question.
From what I understand from your post, you "heard" that the other insurance company underestimates the damage. Have they actually given you any numbers, or are you just assuming that you are going to get taken advantage of?
If you go through your own carrier, you will have to pay the deductible, and this would typically be your collision deductible. Hopefully, your insurer will go after the responsible party to recover that deductible. It would NOT be uninsured motorist coverage, that would only apply if the other party didn't have insurance.
Commonly, collision deductibles are in the $500-$2500 range, and that would come out of your pocket if you go through your insurer on the claim. If you go throught he at-fault's carrier, they are required to take care of your claim in full. Remember, you always have arbitration proceedings available to you if you feel "cheated." FYI-- be careful of arbitration, it's often binding.
As well, there's no mention of any injuries. Can we assume we're only talking damage to your car? Hopefully, that's the case. Please let us know if you can provide any other information that may help.
Thanks, and let's see what the forum can do for you!
InsTeacher 8)
Posted: Wed Oct 31, 2007 04:00 pm Post Subject:
Not at fault but asked my insurance co. to handle case because good repair shop said the at fault co. is known to pay only about half the labor cost and rest out of my pocket. My ins. co. accepted
I'm sorry I'm not understanding if there is a question? If you are wondering was that a good choice? Some times, if speed in resolution is a concern, your company doesn't have to investigate anything (other than coverage availablity) to proceed with collision repairs/payments. As noted you will more than likely have to put our your deductible, some times if clear liablity the other carrier will 'front' the deductible (have been on both sides of this) some people just 'feel better' having their own insurance company handle things......As to the repair if I understand you, you are saying that your body shop said the claimant carrier, doesn't write complete estimates, and that is why you chose to use your own carrier? Well honestly the shop will probably know...how different companies operate, so more than likley you made a good choice.Posted: Fri May 06, 2011 12:35 am Post Subject: suing insurance
I had homeowners insurance with allstate in atl,ga. My wife joined the army and we got stationed in el paso,texas. Before we moved I changed the policy to a landlord policy. March of this year my house was broken into and ac units and all appliances were stolen. Its may and they just called me and told me I didn't have a landlord policy because the agent didn't cancel the old policy ad activate the new one and that they were not going to pay the claim. They said that they would refund the money that was paid to them so I can pay the other company nd I can file a claim with them.
Posted: Fri May 06, 2011 12:29 pm Post Subject:
Before we moved I changed the policy to a landlord policy
And do you have that new policy?
the agent didn't cancel the old policy ad activate the new one
And you never followed up to find out where your new policy was?
they were not going to pay the claim.
This may or may not be a correct answer. Was the property vacant? If so, for how long? You should be covered if it was vacant for less than 6 months after you relocated. If more than that, or if rented, then the terms of your contract will prevail, and if there is no coverage for a rented dwelling under your homeowner's contract, then they won't pay.
They said that they would refund the money that was paid to them so I can pay the other company nd I can file a claim with them.
Now this statement makes no sense. If you had no insurance because the agent "never activated" the coverage, there is nothing to pay any other insurance company and there is no claim on which to collect from any other insurance company.
The good news is that the agent is probably liable for your damages under the concept of NEGLIGENCE. If he failed to place the coverage you requested, then he is at fault, and you would demand that he pay for your loss. If he refuses, then you sue him for the full value of the replacement items (it would be best if you have already replaced them, and you'll have your receipts as proof of loss for the trial).
The amount involved is probably within the state's (Georgia's) small claims limit, so no need to get mixed up with an attorney.
But don't expect this to be a "slam dunk" winner on your part. The court is going to ask the same couple of questions I did up front. Failure to follow up, even if you are now out of state, is not necessarily in your favor.
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