Car Insurance and Your Claims: They MUST Pay!
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?”
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).
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.
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