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 Do you update your home insurance agent of your home improvements? Why?
(Afraid of increase in premium charges)...


 Should i work for Aflak insurance company?
Hello. Im fresh out of college looking for a full time job. I have an interview with Afleck this week and wondering if i should take the position they are offering which is Sales Associate orlook ...


 I am looking to consolidate debt without refinancing? Can I borow against my term life ins. policy?
...


 Can a Government become insolvent?
...


 Advice on insurance please?
My friend and I are aged 48 and 55 and remortgaging our house. I have heard bad reports on endowments. What kind of insurance should we take out and could it include life insurance? We will be ...


 What exactly is a deductible and when do you pay that?
I have dental ins and want to go to the dentist, but I don't understand the deductible part and too embarrest to ask the receptionist....


 Rental home question?
I rent my home. When we moved in, the owner stated that the deck would be replaced. It has not been done and we have lived here 1 1/2 years. It is in really bad shape. I need to know that if any ...


 Can companies take out insurance policies on their employess?
As in Life insurance policies....


 What private health insurance company is the best for the price?? And what is coinsurance??
I rencently got married and it is $300 a month to add a family plan to my husbands health insurance. We are looking for a cheaper way to insure me. We have found a few companies, but what does ...


 My whole life policy...I'm bloody confused.?
Should I keep this? Is this good? Whole Life --age 32 $8/month. 15K coverage--$500 avail loan ...


 Someone told my wife about a web site where a person can get free supplemental medicare ins. can anyone help?
...


 Can you work part time and collect unemployment?
thanks!...


 My mother in law has life insurance policies on my husband and stepdaughter?
we are no longer speaking to her or having any contact with her at all. We no longer want her to have these policies, nor be the benefeciary. She started them and paid all of the premiums, we just ...


 Do i get liability cover for people working in my garden or do i need insurance?
I have people working on clearing my garden . Am i liable if they have an accident or does my insurance cover it ? Are they suppose to insure themselves?

I just dont want to get sued
...


 Pre-existing conditions?
I was without health insurance from September 1, 2005 until July 31, 2006. Because I didn't have continuous creditable coverage, can my current health insurance deny me benefits for pre-existing ...


 How do you get health insurance ONLY for kids, not adding on to parent's plan?
I don't qualify for CHIP. My work insurance is great for singles, ok for married couples, terrible for families. We had insurance with Texas Children's Hospital for our kids and it was ...


 Do you think your work place or place of study should have a all incopmpasing emergency evacuation plan?
If it already does, do you feel it is all incompassing, and what sector do you work/study in?...


 Can you claim life insurance of someone you are not related to?
I have a friend very old and she has a big life insurance policy currently I am helping her live and I am am paying for all her expenses. She has listed me as the claimer on the insurance when she ...


 Is it feasible to find 100 families to put $100 a month in a savings account to pay for medical expenses?
Its just an idea I had, wondered if it would work, if its legal, etc. My family has no health insurance, and I am sure that there are many other families out there in the same boat. We have no major ...


 What is accounting?
...



Schnatzel
Does a denied claim count?
My insurance denied a claim cause that item was lost and not stolen. They don't cover loss.
Does this still count towards my claim history?
                     
 




ME
Yes, even if the insurance company does not pay it still goes on your loss history report and counts against you.


mbrcatz
Rating
Well, it SHOULDN'T, but some carriers do count reported claims that were closed with nothing paid, which this would be.

That's why it's best to ask your agent if it's covered, BEFORE the claim is filed.


mrbass
Rating
actually any claim activity gets reported to CLUE. it will be on that record. now how it will effect you i dont know. Claims Loss Underwriting Experiance. clue reports are used by alot of companies you should ask your agent this question.


ernesto_tig
Rating
Property and Casualty companies have to sign a contract to use CLUE (Consolidated Loss Underwriting Exchange). The CLUE contract specifies that when a insured contacts the insurer, the insurer will report the incident to CLUE regardless of whether there was a claim paid.

Now at the company I work for, I once investigated the Claims area and found there were claims being called in, we would tell the insured there was no coverage (say an auto claim with no collision coverage) and then this would not be reported to CLUE. This was a internal company policy. With most property companies, if your claim went far enough to be denied then your company will reported it to CLUE if they think it is necessary to be in compliance with their agreement.


Angela C
No. Only covered claims count.


Kass
Rating
It shouldn't, but read your policy to make sure the insurance company didn't turn your claim down when it should be paying.


Beanie
Rating
nope.


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