 Insurance for Independent Contractors? |
| If I hire on Independent Contractors for a housekeeping business do they legally HAVE to have their own liablilty insurance? If they sign a contract stating they are responisble for this does this ... |
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 Where can I get information about workmans' compensation for job related injuries? |
| I was injured on my last job, and I would like to know if I qualify for workmans comp. insurance payments while I am out of work. I feel that my injury was incurred on the job, and I feel that I ... |
|
 Blue Cross Blue Shield? What are your experiences with them? |
| I'm trying to decide on a health insurance company. What are your experiences with Blue Cross Blue Shield positive or negative? Thanks.... |
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 How can I look up insurance policies? |
My Mother has pased on and we know there were several whole life policies.
The max premium was paid up over fifteen years ago and the actual policy and numbers could not be found.... |
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 How do I file an insurance claim for my roof? |
| The damage occurred appx. 6 weeks ago, will this affect my claim and my rates?... |
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 I am wanting to have weight loss surgery and I have aetna Insurance Can you tell me what it was like for you? |
| I am wanting to have this surgery. I was required to have a 6 month superviesd diet, a heart evulation, lung and psyc done. after having this done will I be approved? I want to hear why you were ... |
|
 What type of student Health Insurance should I purchase (PODIATRIST ? |
My main concern is fixing my ankle and I know I need to see a Podiatrist
I have SUPINATION in the left ankle and I am trying to fix it. I am also a student and I dont want to pay alot of money. S... |
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 Tell me if this is true or not: If you add your spouse to your insurance, will/can they get lower coverage? |
since they are only added on to the insurance and are not the primary? Has anyone experienced this or heard of it?
Additional Details
As in, he would have to pay 40.00 max on ... |
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 $ocialist $ecurity, medicare, medicaid, K-12 education, welfare, unemployment insurance.? |
A list of inefficient, ineffective socialist government programs that would be better managed by the private sector.
Dems will have none of it changed from it's current form because ... |
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 When a insurance policy is terminated and the unearned premium is calculated on a short rate basis, |
Who canceled the policy?
A.the producer
B.The agent
C.the adjuster
D.The insured
10 points to insurance agents only!... |
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 Can a company take pay out of your check for a mistake you make(error)? |
Additional Details
Printing blueprints and a page was missed. Pure human error, but we are hourly employees and have no ... |
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 Where does an insurance company invests its policy amount ? |
| The policy amount which the insurance Company gets from policy holders where does it actually invest such policy amount so that it can provide benefits to its policy holders?... |
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 Homeowners Insurance question.. We had a loss due to our car being broken into..? |
| This was a long time ago,,, and now they want me to come in for a personal deposition.. I do not like attorney's and I do not want to do this.. I'd much rather just not press it and cease ... |
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faron_jns | If my insurance is being sued by the person i hit,will i have to pay any money outta my pocket? |
Or will the insurance cover the lawsuit? |
 |
 
MSAD
|
The insurance company is not being sued. You are.
You have to sue the negligent party - that's you. You're the one who hit another vehicle (not your insurance company).
The law suit reads Jon Doe vs. Jane Smith. NOT Jon Doe vs. XZY Insurance.
Per your auto policy - the insurance company will hire an attorney to defend you. The attorney defends YOU but the insurance company pays the bill. The insurance company gets to pick the lawyer and they will hire one that focuses on this type of defense work.
Now - you do have the right to hire an attorney of your choice to work with the insurance hired attorney - but you have to pay that bill (and it's gonna be a big one).
The insurance company will pay up to your policy limits toward the verdict - Plus any post-judgment interest and attorneys fees. IF the verdict is greater than your policy limits - you can be held responsible for that. However, unless you have assets - the plaintiff lawyer usually does not pursue you.
So...what do you do? Cooperate fully with your insurance company and the defense attorney they hired. You do what ever they need you to do or be where ever they need you to be. They will walk you through the process and answer any questions they have.
Here's the good news - lots of law suits get filed - but most do not see the inside of a court room. Usually they can be settled as the process works through or during a mediation. However, law suits are not fast things. This could go on for 2-6 years easily.
Just stay in touch with your adjuster and the defense lawyer. If you move or your phone number changes - let them know. They can and will be happy to answer any questions you have. |
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Bethany M
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First, it's not your insurance company that's being sued, it's YOU!! The insurance company is simply an entity that will cover YOU if YOU'RE liable for an accident. Next, they will protect you up tp the maximum amount of coverage you purchased with your policy. So, if you have $50,000 liability limits, they will provide you a defense attorney and protect you until they see it beneficial and warrarnted to offer the $50,000. If there's a chance a court could render a judgement in excess of your policy limits, you might want to hire seperate counsel to protect your personal interests above and beyond your policy limits.
99 times out of 100, your insurance company will be able to settle the lawsuit within your limits. |
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ed
 |
Insurance is only liable to the maximum coverage in your policy.
If a suit is successful for more than that amount, it will be a judgement against you personally for the excess. |
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bud68
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Your insurance company doesn't get sued; YOU do. Your insurer will defend and pay up to the limits of your policy. |
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Rihanna
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probably ur insurance |
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