 Insurance Agents: is there such thing as free life insurance? |
This is the second year that my father in law gets free life insurance for up to $1,000,000.00 Dlls from a company called
"National Western Life Insurance Company"
A Stock Company<... |
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 How do I file a formal complaint against an insurance company's agent whom hosed me over? Based in California |
| I would like to file a formal complaint with the State of California against an insurance agent & broker whom screwed me on my health insurance.... |
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 Lost wedding ring 2 yrs ago, ins. pd me, bought new one, now I found old ring. Do I give ring or cash back ? |
| Claim was with State Farm - do i give them back $4000 cash or the old ring. I don't really want it anymore since I bought a new one with the claim money. Anyone have experience with this before I... |
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 I Have Been In A car Accident and the Insurance not want to pay All-State Insurance? |
Bodily injury / Which My Leg was Broken into three parts above my knee and below my hip.
I have been in bed for the atlist more than three months.
And The only thing ALL-STATE I... |
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 HELP!! Second home insurance problem. Primary is in Florida...second is in Idaho--where to go for insurance? |
| I'm told by the company who covers my primary here in Florida that I need someone in Idaho to issue this policy...and I'm told my the person in Idaho that I need to have someone here in F... |
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 Insurance Help? |
| My mom's age is 49 yrs & my Dad's 56 yrs.Pl advise which medical plan is most suitable for them.Preferably Cashless Holspitalisation or a joint plan for both of them where I pay just 1 ... |
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 Homeowners Insurance? |
| How long after the accident do you have to file a claim? I'd appreciate if you knew the answer to State Farm's Homeowners policy, but any will do. Thanks.... |
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 I have had Brain Surgery and I have had an Organ Transplant within a 5 year period. Am I eligible for any? |
Governmental assistance?
Additional Details
I am male (white). Had a Hemorragic Stroke. Live in
the USA.... |
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 If i'm financing my car and it get totaled do they give me the value of it and i have gap to cover the rest,a |
| and i was not fault it was the other driver will they give me money to get another car, did i just told a lost and out of a vehicle.... |
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 My father is terminally ill, can I still purchase life insurance for him? |
| My father has been diagnosed with terminal cancer, he is 76 years old. Can I still purchase life insurance for him to cover for his funeral and any other costs incurred after he has passed?... |
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 How important is health insurance for me/us? |
| i am a little iritated right now. my fiance and i me 23yrs and him 22yrs dont have health insurance. he has major from his family business but that is it. my dad is worried that i am not on any ... |
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 My health insurance company over paid me $66,667.83 over the past 4 years. Why do I have to pay it back? |
| I called the insurance company 4 years ago and told them they were paying me to much. I called three times & spoke with three different people. They all said I was getting the right amount. I ... |
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 Who does the rating in insurance products. the agency or the carrier? |
as far as the process of quoting, binding, issuing, etc
where does that happen? the agency or does the carrier do it and the agency just as a front end?
Additional Details
what ... |
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 When are you allowed to collect insurance on a peice of jewelry? |
| I plan on giving a very expensive diamond bracelet back to the person who gave it to me. I have paid insurance on this piece for about four years now, and I want to claim insurance on it.... |
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 Do Life Insurance policies grow year by year? How do they work? |
| If I wanted to get one for myself, my whole family has one for themselves, and my partner has one for himself, would money automatically go into it from my paycheck? And do they grow year by year as ... |
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 Health insurance question? |
| will my family health insurance premium skyrocked if I have a debilitating illness, if so what is a person to do about this if they dont want to use their savings..... |
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Mariobro1 | Is it better to file home insurance claims seperate or just one claim? |
My home sustained some damaged due to a snow fall back in december. I didn't file a claim back then and now that I got some shingles damaged due to strong wind i would like to file a claim. I was told that i might need to file 2 seperate claims. Would it make a big difference if i put it all under just one claim instead of filing 2 seperate ones? |
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Zarnev
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If the insurance company knows about the snow damage and the fact that it wasn't fixed they may not pay for the wind damage. This is because you didn't take due diligence to repair the original damage. They may deny the claim completely or they may limit the amount of the claim. |
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mbrcatz
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Well, you can't lump in claims together. And six months after the fact, it's going to be really hard to show "snow damage" on the roof. Unless you're talking about ice backup.
If you claim one damage claim, then you're going to have to show the adjuster how you have old damage and new damage from the same claim. Snow in June might be a bit tough to explain. Or Ice backup.
Sure it makes a difference. Each claim counts against you. Each will have a seperate deductible applied. Each claim leaves different damage types, so it's going to be OBVIOUS to anyone that looks, that you have two seperate issues here.
And the bottom line might be - your roof is old. Wear and tear on the roof isn't covered, period. Sometimes you just need to replace the roof. Like, every 15 - 25 years, with an asphalt shingle roof. You can't wait for the damage to start happening, then expect the insurance company to do your maintenance for you. |
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Sarah J
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If it was two separate occurrences then your insurance company will file it as 2 claims. one happened due to wind and one due to snow (weight of snow or ice is generally not covered) |
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mamatohaley+1
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Since it is 2 seperate losses you can not file as one claim. You must file as 2 as 2 deductibles will apply. |
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bull_rooster_aardvark
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I think one claim is better (even though the amount is the same either way its just one tick on your insurance, not 2) but if it was 2 seperate incidents you may need to file twice (any way you can say both problems were caused by the same thing).
Also, if the amounts are not that great you may be better off paying either one out of your own pocket. With lots of claims your insurance premiums will go up (or possibly even get cancelled) and the claim may actually end up costing you money in the long run. |
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SusieM
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No doubt the easiest way to get insurance quotes is on the web.
Why would you waste your time on the phone calling around?
the last time i needed quotes on insurance i used one of these comparison sites and it was great.
this is the site i used and it was quick like less than 5 mins.
The last thing I want to do is listen to elevator music while waiting for a salesman.
Anyway I got good quotes and ended up saving money so I was happy.
So shop around and compare quotes which is easy on the net.
Good starting point is at this site.
http://insurance.deal4-you.com
Good luck. |
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Lizzze
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no it would be better to have two seperate claims because it is two different accidents |
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