 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... |
|
 Decent life insurance company? |
| Can anyone suggest a good life insurance company for me? I would prefer not to submit to a medical exam. There is nothing wrong with my health that I know of and I just want some basic coverage, ... |
|
 I lost my diamond necklace and need some advice. HELP!? |
I could just ughhhh!! Now I'm planning on getting a new one. But I'd like to insure it. How does that work and what if I lost it AGAIN?
Do they cover loss also? I am so dumb lol.... |
|
 Disability insurance percentage of income covered? |
| my long term disability income insurance policy is set at 60% of my salary covering through age 65 I also have a short term policy that covers me until that 180 days is up and the long term kicks in, ... |
|
 Health Insurance Question...? |
| Alright, so I am covered under my dads company insurance for health and dental. He has insurance by Aetna, and I was planning on moving out soon. So, I was wondering, if I go to school full time at ... |
|
 Should I stop my whole life insurance? |
| I started my whole life plan about 10 month ago, paying >300 a month. I am now kind of rethinking what I am doing, feels that really does not worth it. Should I just stop the plan and lose the ... |
|
|  |
Chesney | Home owner's Insurance? |
If you have a not at fault claim and the other person has insurance will the deductible be reimbursed? |
 |
 
mbrcatz
|
Wait a minute - on a homeowners policy, the only person who can file a claim is the policyholder. So there's no such thing as "reimbursed deductibles" or "not at fault claims" - as there aren't any "at fault" claims on homeowners policies.
The ONLY exception I can think of, is if someone DRIVES into your house. The auto carrier will be reimbursing the homeowners carrier, including the deductible the homeowner paid, up to the property damage limit. Then you have an at fault accident for the driver, and a homeowners claim for the homeowner. |
|
theluchador
 |
As stated in the first response to your query, at fault and not at fault reasoning generally doesn't apply for homeowners insurance.
Several previous answers seemed to mention that only a policyholder can file a claim but, to the contrary liability claims may be filed by the claimant (the person trying to get money from the policyholder).
I believe what you may be trying to state is that someone caused damage to your home or caused a liability issue on your property, therefore not being your fault. By filing a claim, you are asking if the other persons' insurance will reimburse the deductible you originally paid.
If the situation is correct, generally only claims arising out of a liability exposure would be covered. If this indeed happens, this event is called "Subrogation". This is when a company (yours in this case) attempts to collect money from the responsible parties insurance (person that caused claim). This process can be lengthly and would recommend keeping in constant contact with your insurance as well as your agent.
Good luck! |
|
Globalwide Insurance
 |
hi you will be reimbursed if your insurance company is able to prove to the otter company that their insured was at fault, it does take some time generally for the companies to settle no matter what the amount is, give it a few months, check out globalwideinsurance.com |
|
John G
|
Here's how to think about this:
Forget there is insurance.
If the other guy IS at fault, then they owe you the total amount of your actual damages -ALL of it. But, because you HAVE insurance, you claim on it and let the insurance company worry about collecting from the other guy. Their right to so is exactly the same as your right to do so, because they've paid you off and now "own" your claim.
And that would normally include the deductible under your insurance. The reason for this is that while your claim is "direct" on property (I presume) and therefore subject to the deductible on your coverage, the claim for the OTHER guy is a liability claim (insured or not on his side) and liability insurance generally has NO deductible. So, if he's insured, he has no deductible. If he's NOT insured -but has money- then your insurer takes the money for the WHOLE claim. And if he has NO money and NO coverage, then yopu MIGHT be stuck with the deductible.
Clear as mud, right? |
|
PJ
|
Yes, if you have a claim and someone else is 100% at fault, your deductible should be reimbursed. |
|
mommy03
 |
Depends on what state you are in. Some states are no-fault and you will be responsible for it. |
|
carmensellsthehighdesert
|
Howeowner's Insurance? At fault and not at fault pertains to automobile insurance.
If the other party's insurance is paying to have your vehicle repaired, you would not be subject to a deductible. If your carrier fixes your vehicle, you would be subject to the deductible. Then your insurer will subrogate after the other carrier to cover their losses. Depending on your insurance carrier and the amount they subrogate FOR will determine whether or not they have an overage which could be returned to you.
If the at-fault party has insurance, contact that party's agent and report the claim. An adjuster will be assigned and you will be given instructions as to how the repairs will be handled. Then your company doesn't have to subrogate and you don't have to worry about paying a deductible.
You must also report the claim to your own carrier and in many cases, if there is an injury or if the property damage exceeds a certain dollar value, then you also need to report it to the State DMV.
If this is another type of claim, then we need more details from you, please. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
7 | 12 minutes(s) ago
| | | |
7 | 25 minutes(s) ago
| | | |
7 | 2 hour(s) ago
| | | |
7 | 5 hour(s) ago
| | | |
7 | 9 hour(s) ago
| | | |
7 | 10 hour(s) ago
| | | |
7 | 1 day(s) ago
| | | |
7 | 4 day(s) ago
| | | |
7 | 2 week(s) ago
| | | |
7 | 3 week(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
