 How the heck can a homeowners insurance company force you to pay for over twice the value? |
| I am just venting but I called other companies and they all say the same thing. In 2005 my policy was for $60,000.00 dwelling and today I recieved the policy and it called for over $109,000.00 ... |
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 Will Homeowners Insurance cover outside stairs? |
| The stairs of my back deck (put in long before i purchased the house) are falling apart. I havent filed any claim or called them as of yet but just wanted some information before i start the process. ... |
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 Car insurance for 17 year olds? |
Hey people, i am 17 in april and i have been looking into buying a 1983 mini mayfair with 13"alloys and arches....and thats it...
onlly a 998cc, not the fastest of cars
... |
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 Purchasing life insurance? |
| I have adult family members that I want to purchase life insurance for. A $10,000 policy each to cover funeral expenses. I know that if anything happens to them I will be responsible. I'm ... |
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 What can my husband do? |
| My husband works for AllState and the agent he works under refuses to send out flyers or mailings. He expects him to make "cold calls" all day (while most people are at work) and still ... |
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 Is life insurance taxable at payout time.? |
| So if I die and my husband collects the $, is that $ taxable?... |
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 How long should an insurance claim take to be completed? |
| My kichen was flooded 10 weeks age and the insurance company keeps changing th goals posts and askeing for different things. is this right??... |
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 Got my drivers licence? |
Is going to be the first time me getting a job so I was wondering as soon as i start the job can i purchase a cheap car right away and insurance and stuff?
and cant get student loan ... |
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 I suffer from depression & was suicidal for a while, but now im tryin to get a mortgage & need life insurance? |
| would I be better off not mentioning anything about the suicide or depression, I know the insurance won't pay out if anything happens to me but the insurance would be cheaper, how much extra ... |
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 Can we insure our health with more than one insurance company? |
| If yes, how can we get reimbursement with one one set of original bills?... |
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 Where is the best place to look for life insurance for a 73 year old without exams? |
| My father is 73 years old and is diabetic (takes daily shots). I would like to take out a life ins. policy on him, but know nothing about it. I am assuming term (maybe 5-10 years) would be the best ... |
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 Who pays for the Medicaid program? |
| Is it the gov't. or does it come out of a special tax on salaries and wages?... |
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 If my mom is borrowing my car, is she covered by insurance? |
| Here's my situation. My husband and I have 3 cars. We recently found out that I am pregnant and want to let my mom take over payments. Would we be able to put her on our insurance even though ... |
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| I had a car accident had a total loss on my car. I was hit by another driver who was at 100% fault.? |
| I incurred a back injury and visited the chiropractic doctor 14 times. I had a MRI, massages, and exercises done. I feel better now. The visit to the doctor cost me $1500 and the MRI cost me ... |
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 My wife is pregnant, and we don't have insurance, how can we pay for the baby? |
| I'm self-employed and make a decent living, but I can't afford health insurance. I bring in around $90,000 a year, but my AGI is between 35-40,000. I have two children already, and this ... |
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 I am an uninsured driver. I got into a fender bender in a grocery parking lot? |
| It happened today. I believe it was my fault. I called the police, they said we didn't need an officer as long as noone was hurt.The other driver was so shook up she called her husband and he ... |
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 How do you get a health insurance company to pay for a claim after it was initially denied? |
| My wife was having severe headaches and feared she had a serious medical problem. I took her in to the emergency room, they gave her a shot and a perscription and diagnosed it as sinusitis (sp). T... |
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kuta | After your cxar is consider total do they give you money to get another car? |
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 |
 
hummingbird
 |
If you have collision coverage and the accident was your fault they will pay off any monies you owe and whatever is left over, they pay to you. If you do not have a loan on the car, they will give you the money and you can buy another car or not, that's your choice. They will want the title to the car so expect to have them hold out some money until they get it, this is common practice. |
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GJ
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Generally, if you are covered, they give you the amount that you could reasonably expect to get for the car if you tried to sell it yourself. |
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J O
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The vehicle has to have a loss of 60% or more of its total value before the accident in order to be a total (in most states). The insurance adjuster will evaluate your vehicle before the accident and then give you a settlement. If you have a loan on the vehicle and no gap insurance you will have to pay the difference of the settlement and the loan balance to the leinholder, as the insurance adjuster will not give you the balance of the loan. If you do have gap insurance you will then need to follow up with that company to file a claim for the difference of the settlement and the loan amount. At that point you will basically walk away with nothing (no additional money, but no loan balanace either). If you have no loan, you can then take the money from the settlement and buy a new vehicle. |
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efrankdeniro
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yes they should... |
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STEVEN F
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The amount you are paid is what the car was worth just before it was totaled. In some cases, you can 'prove' a value higher than 'blue book' by finding an 'equivalent' vehicle for sale and using the asking price for that car. The problem with this approach is the is really no such thing as an equivalent vehicle. |
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dobrinski2003
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Assuming you are covered, they give you the actual cash value of the car. The money is given to you to do with as you please. They dont help you purchase another car. |
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fr_chuck
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They will give you a sum of money equal to the value of your car. it may or may not be enough to get another car.
But that is only if you have full coverage, if you have libility only then they don't |
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Loollea
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they do if you have full coverage insurance or if the other party was completely at fault |
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Michelle G
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I don't think it even has to be totaled, just has to have the economic value of the repair be almost what the car is worth. |
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mbrcatz
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They write you a check, you can do anything you want with the money. |
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tonip1963
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If you are in an accident you can get money for another car. They will look at the Kelly Blue Book value for your car. This is based on year, condition, model ect.... and you will get this much towards a new car. You do have to have a mechanic say that it is totalled though. |
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