 Home owner's Insurance? |
| If you have a not at fault claim and the other person has insurance will the deductible be reimbursed?... |
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 How does insurance work? I may pay $33 a month for auto. But how the heck do they pay me $12000 if i wreck it? |
| and what of homes. $40 a month but they can dish out $100,000 if it burns? No way everyones premiums can handle those claims?... |
|
 I'm pregnant, insurance question? |
| Last year I was in college, so I was still able to have insurance through my parents. I found out a few weeks ago I was pregnant. I'm not going back until I have the baby. I still have insurance ... |
|
 Do insurance companies keep records of denied claims? |
| My former homeowner's insurer was Allstate. They denied a claim for water damage I made several years ago. Recently I learned that the water damage resulted from poor plumbing work (misfitting ... |
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 If physician's office closes your file but they are still awaiting payment of services will they no longer.. |
accept insurance coverage from that time?
My daughter was sent to a specialist in October and in January we recieved a letter from medicaid stating that she WAS eligible for coverage in O... |
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 My father died a year ago, but the hospital is still sending bills. Am I responsible for them? |
| He had emergency room service that was not covered by Secure Horizons or Hospice. Who pays this bill since he is deceased?... |
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 It is illegal for a doctors office to search for health insurance, after I wave the use of it? |
| I went to the doctor, and they asked if I had health insurance and I said yes but I wave the use of the insurance, months later I then receive a bill from an old insurance agency that I have not had ... |
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 How does this work??? |
| Ok got into an accident on tuesday and my insurence guy was saying something along the lines of.....if it costs more then 5,000 dollars to fix my car then i can get a new one (cause then it will hurt ... |
|
 Does anybody know of an insurance company who will insure my home & contents to let me work there? |
| None of the companies I know provide such cover, and I have a full broadcast shooting kit. Its a bit heavy for filming the ... |
|
 How do I challenge my auto insurance company's appraisal of damages to other car in an at-fault(my) acci ? |
| I read-ended another car at an intersection. Both of us were stopped at a light. When the light turned green, the other car started moving and immediately slammed on brakes. In the meanwhile, I had ... |
|
 How do I handle a Big Corporation after a serious workplace injury?? |
| Hi. I was seriously injured on the job a little over 6 months ago, and now the time has come when I am being "released", albeit gradually, by my doctors for "light-duty" ("20 ... |
|
 I need to find cheap health insurance for a couple months while switching jobs, please help!? |
| I do'nt want to go with COBRA because it is too expensive. I only need major medical coverage that isn't too expensive but that is actually good. I only need it for two months. Please ... |
|
 My car insurance help me please? |
i want to cancel i just got with them a few weeks ago but my first payment isnt do yet.
can i get a refund on the down payment i made?... |
|
 Insurance settlement? |
| My son was involved in a wreck by another party....the party's insurance company stated that all they can offer him is $25,000.00, because that is the amount they can offer on the policy.......NO... |
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runs_with_scissors | Do insurance claims representatives get incentives from their employers? |
to deny a claim, or to offer a low settlement? |
 |
 
mdk
|
I worked as an adjuster for a couple years. This never came up.
Our philosophy was, if a claim was payable, pay it, if not deny it. If we needed more information, get it.
Anything above a certain dollar figure needed a supervisor's approval. but usually theadjustorwas told to do what hewas planning to do.
If a charge seemed out of line, it was questioned. The only incentive was to be accurate. |
|
bearmeister34
|
Absolutely not. This would be illegal and unethical. I have never seen it happen or even heard of it happening. Insurance companies are very concerned with paying for only what they are liable for. Nothing more and nothing less. Premiums are designed to cover the losses as predicted. If losses are higher then premiums are increased to meet the actual loss experience. Trying to short cut claims will not only be unethical but is totally unpredictable. This is not the way insurance companies work. |
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ML
 |
No they don't. They usually have a range to work within. as long as it is within that limit it is fine. |
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fighting saints
 |
This theory is just another of the scare tactics used by Personal Injury Lawyers to get injured people scared so they hire the lawyer.
During my career I have worked for some of the largest insurance companies.......... St. Farm, Allstate, Nationwide, Sentry & American Family. I have never been told that there was any incentive, monetary or otherwise to deny legitimate claims.
Besides it wouldn't be worth the risk of getting caught by the insurance commissioner office. I can only imagine what the fines and penalties would be for doing this. |
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DFK
|
NO. They just get to keep their job if they do well. |
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Ben
 |
not directly, but often times they are pressured to meet statistical goals. |
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mbrcatz
|
I've worked on the company side of the fence, and I've NEVER seen this. Closest they have, is the annual award for perfect attendance - usually an extra week's pay. |
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