by Guest » Mon Dec 13, 2010 02:10 pm
As I understand it when i carry unisured motorists insurance, which I did, and the accident is (not my fault) that my company (under the terms of no fault) assumes the responsibility of covering loses that I have that would normally be covered by the uninsured motorists company. So far so good but what I didn't know was that my company of 25 years does a Jeckle and Hide (intentionally misspelled) and goes on the attack against me, assuming a piot bull mentality, something I would expect from the (in this case non existent) otther insureres company. After 25 years of paying through the nose and then becoming the victim of my own insurance company, (who purposely I believe ignored medical bills, and refuses any loss of income compensation...I could go on and on. ]Seems like a huge conflict of interest to me to take my money to represent me and then try and agtressively deny any rights to legitiomate claims I amay have. If it was a huge medical issue I would have lawyers lined up aroundthe block to sue this gorilla but it is a rather small under 50K issue. and the lawyers just grin and don't seem to want to take on the gorilla. [/u]
Posted: Mon Dec 13, 2010 03:08 pm Post Subject:
the accident is (not my fault) that my company (under the terms of no fault) assumes the responsibility of covering loses that I have that would normally be covered by the uninsured motorists company.
Uninsured motorist is NOT the same thing as NO FAULT insurance. Uninsured is coverage in the event of a collision with another party who does not have insurance or who has insufficient limits of liability relative to your loss.
After 25 years of paying through the nose
Perhaps you misunderstand the nature of auto insurance. It is not a cumulative form of coverage like life insurance. When you say "25 years of paying" (through any bodily opening of your choice), you apparently do not realize you pay for your coverage one year at a time. No claims this year, the policy ends without a claim.
All forms of property and casualty insurance work this way. Auto, homeowner's, commercial general liability, you name it, you pay for your coverage one year at a time. Some commercial general liability policies pay for claims that arose during the time the policy was in force, but for whatever reason was not reported until some time later. Personal auto insurance does not work like that. Claims must have occurred during the policy period and be reported promptly -- a claim that occurred during a prior policy period is not covered under a succeeding policy.
Seems like a huge conflict of interest to me to take my money to represent me and then try and agtressively deny any rights to legitiomate claims I amay have
I don't believe your insurance company has gone "on the attack" against you. It may be that what you characterize as an "attack" is merely the nonpayment of a claim. Most of the time, when an insurance company denies a claim it is because there is no basis for the claim under the contract of insurance.
You post a loud rant, but no details. Perhaps if you gave some background into the incident in question, we might have some appropriate responses for you. There is nothing here in your post to respond to other than what has been stated above.
Posted: Wed Dec 15, 2010 10:21 pm Post Subject: Re:
The right classic car insurance is extremely important because it is likely you have invested a lot of money into your automobile. Also, these cars are older so they do not have the modern safety features we rely on today. These features that are considered standard in modern vehicles are often not found in classic cars. Some have seat belts, but many do not. Also, they do not have other modern features like skid resistant tires, crumple zones, airbags, power steering and more that add safety to today's cars. Depending on what you are using your classic car for, you may want to have seat belts installed. However take note that the classic car is not recommended as an everyday vehicle.
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home insurance
car insurance
Posted: Thu Dec 16, 2010 06:14 am Post Subject:
So far so good but what I didn't know was that my company of 25 years does a Jeckle and Hide (intentionally misspelled) and goes on the attack against me
If that is the way you want to look at it, yes... they become the other person's insurance company and are looking to pay as little as they owe (another way to look at it).I believe ignored medical bills, and refuses any loss of income compensation
They are going to do things like not consider pre-existing conditions, lower consideration for exacerbated injuries, limit loss wages as much as possible, consider over-treatment, etc. This is the same thing that the other carrier would do.Is their a conflict, no... not at all. You pay for that coverage and they appear to be considering payment as such. What you actually bring up (them accepting payment and then providing you the coverage) if anything is the opposite of what you state... if it's a conflict it would work in your favor (your payments would influence them to pay more to you... not less).
Keep in mind that the settlement is a negotiation. Yes, you were injured so its personal. But you need to try to step away from that and see it as a business negotiation. They offer low, you ask for high. You try to meet some place in the middle.
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