 What's a good life insurance? |
| My stepdad smokes a pack a day, and drives a truck for a living and I was wondering what would be a good life insurance for my mom should anything happen to him since he seems like high risk? They ... |
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 Do Insurance companies encourage crime by penalising the victims with increased premiums? |
| I have recently been a victim of crime. I had my car keys stolen from my house whilst I was asleep, my car has since been recovered but has been written off. Even though I only owned the car for 1 ... |
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 I bought a house one year ago.? |
| Now i find that there was water leakage and damage on the outside wall which was hidden by the vinyl sidings. The seller did not declare anything in the disclosure nor did the inspector find anything.... |
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 Family health insurance plan for 19yr old, 17yr, and few day old baby? Need it to marry.? |
| My fiance and I want to get married right away and have been wanting to for a while but had to wait until the insurance plan he had at his job kicked in. That would have been next month but now he is ... |
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 Why do doctors charge less if you do not have insurance? |
| Some doctors charge a person with no insurance or on medicare a less rate than they bill the insurance company. If they billed an insurance company the discounted rate, wouldnt this help lower ... |
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 I have a huge medical bill and no insurance. Can I really just pay like $10 a month? |
| Someone told me you can just pay what you can "afford." Well, if I can only "afford" $5 or $10 a month, will I get all my assets seized or something?... |
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 Do you think that a guy in his mid-late 30's with no money has any chance of being a provider? |
| I guy friend of mine has just turned 36 years old. He has been working at an $11.00 an hour job at an insurance company for about 8 months now. He's planning on he's getting get his ... |
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 Don't be fooled by agents when buying life insurance? |
| if you buy whole life they tell you you can borrow "your money" but you have to pay back with interest because if you don't if you die the company will deduct the money you borrow from ... |
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 I know your homeowners insurance is suppose to go up every year, but what is normal? |
| My homeowners insurance cost has gone up from $520 last year to $609 this year. Thats a 17% increase . Is that too much of an increase?... |
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 How can Insurance companies say that Storm damage is? |
| An act of God. Surely they have to prove there is a God before they can make this statement. Is this one for the Courts to decide.... |
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 My husband was in the hospital for 2wks. We do not have health insurance & the total $bill is super high!? |
| It is too much money. Are there any payment plans/write-offs to reduce the total amount?? If anyone has had this problem, is there any advise you can provide. Any help is appreciated.... |
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 Auto insurance renewal? |
Hello all,
My current auto insurance is ending next month and the renewal form just came in. Coincidently, I was offered a better deal from another auto insurance that was less than half ... |
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 Do you agree with this practice? |
| Did you know that some insurance companies base the rate they charge on a clients credit score? The do have their reasons. They have statistics that show people who pay their bills are more ... |
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 Where can I go for cheap car insurance for a young male driver? |
| My 17 year old is taking lessons but we've discovered that the cost of adding him to our car insurance is prohibitive. I'd really like him to be able to drive our car as my husband is ... |
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 Who offers the best insurance for california general contractors. We have 2 work trucks that need insurance.? |
I need commercial auto insurance. What is the difference between commercial and residential auto insurance policies? Is it just the limits?
Thanks,
Andre.... |
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przem u | I had a accident. what options I have? |
Accident wasn't my fault. I have a question
Insurance company phoned me and told that they will pick up the car and repair it. First of all they didn;t see the car. Second thing I want to know if I can take money and repair in my own garage or they will give me the money for car and take it??? |
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steven e
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they will pay for it. |
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Earwigo
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They hold all the aces. |
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Hat-A-Tat-Tat!!
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they dont always have to see the car - a crash is a crash that has to be fixed.
i think you can get quotes & offer to have the repairs done yourself - but hey..why bother - your insurance company seem prepared to do the repairs & as long as they are done..under insurance - dont worry about it...not sure what the problem is??
the reason the insurance company have said this, is because some people have a 'friend' who is mechanic...bumps up the bill & splits the money with involved parties..not suggesting that is your case by the way...thats just the way things happen & insurance companies dont wear that anymore. good luck though! |
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rose_merrick
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you pretty much have to do what the insurance company decrees - even go to the repairer they have chosen. I bet that is what your contract states |
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scottie322
 |
Hope you are Fully Comp.
Your Insurance company must have a deal with the repairer but normal thing is to get quotes from different garages and then submit those quotes.
Make sure you take out all your personal belongings and if you have a decent CD/Stereo take that out to.
You because of some one elses fault is now without a car.
get the insurance company to supply you with a courtesy car while yours is being repaired.
I suspect the main reason that they want to take it to their repairer is that they will get the cheapest rate to fix it and they will settle the bill with the repairers |
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Oracle
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Their approved-repairer facility saves you from having to obtain quotes for repairs and will also probably mean the automatic provision of a courtesy car whilst yours is being repaired.
You don't have to use their approved-repairer but you must advise them of this and then submit two estimates for the repairs. The insurer will (probably) authorise the lower of the two estimates so make sure the garage you want to use is the lower of the two quotes. Under this arrangement though, you will probably have to arrange collection, delivery and cover for any courtesy car provided yourself so be prepared to do so before you instruct your insurers. |
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SPARKLING MJR
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speak to them |
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firebobby
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Sounds like they will get the damage assessed when they take it to their appointed repairer. The small print on your policy will tell you the options you have. Some companies will only allow you to use their appointed repairers or insist on at least 3 quotes if you take it anywhere else. |
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professorgriff321
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Insurance companies have contracts with certain 'approved' garages across the country, they send the garages lots of business and get a lot of money off for doing so, you can take your car to a garage of your choice but get your insurance company to approve the quote before getting work done |
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welcome news
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Which Insurance company contacted you? Yours or the other person's?
If yours and you have comprehensive cover I would recommend that you go through their approved repairers - it makes life easy and all you have to do is pay the excess (which you claim from the other driver's insurance). You may even get a courtesy car whilst your own is being repaierd (at least you probably will if you go through a broker - if you've bought online the chances are that you won't have the benefit).
If the insurance company is the third party's then, again, it is easier for them to organise repairs - this time you won't even have an excess to pay. You should ensure that the company will arrange for a car for you to drive whilst your car is being repaired.
The insurance company otherweise would ask you to submit estimates for the cost of repairs and then decide whether to agree to proceed at the lower estimate or, if that is too expensive, make an offer with you to keep the salvage i.e. pre-accident value less salvage value. This may involve negotiation to agree on a pre-accident value of the vehicle and delay payment.
Surprisingly most insurance companies DO like to pay claims fairly and promptly when they are valid as they know that failure reflects badly on them - especially when we have the FSA/ FOS and various television consumer affair programmes just waiting to pounce on any service issues. |
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