 I was in a car accident and a cow was in the road and I ran into the cow. Is the owner liable for damages.? |
| Are they liable for car damages only, because I had to go to the doctor and I have whiplash in my neck and back?... |
|
 Should I get Mortgage Life Insurance? (If I die, my mortgage is paid for.)? |
It costs $2.43 per week for 24 years. I live with my boyfriend and he has bad credit. If I died he wouldn't get approved for a mortgage, so he would be forced to sell the house.
Additional ... |
|
 Bought a car for a friend.She quit paying the payments and insurance.She is parking it getting tickets etc etc |
| It is 100% in my name ,she is not on the loan or insurance in any way.(I know im a sucker).So now she says its her car and I have no say because she made the down payment,cash no contract. Im going ... |
|
 I am appalled at how my insurance company have treated me, with respect to a recent burglary I have? |
experienced. I feel I want some sort of compensation from their flippant, lax treatment. Do you think I should try, seeing as there is so much competition around with other insurers?
A... |
|
 When should a person get rid of their life insurance? |
| If they am retired and make enough to live on and have enough saved to live off it for say 6 to 7 years, should they still have a life insurance policy?... |
|
 A better way acquire an affordable health insurance to cover my family? |
| if I work for, say Pizza Hut as a part-time while I earn $65K/yr full-time job? I dont want to spend too much monthly payments on health insurance?... |
|
 Very basic everyone's insurance type of question, please help me? |
| I'm out of state on vacation. I've had some minor (major?) health issues with my child. His doctor took him off Zithromax 2 days ago, but his symptoms are not improving. He has 2 ear ... |
|
 What kind of auto insurance would cover me?...? |
| I just bought a new vehicle (truck) but I have not had insurance coverage in the past 90 days. Just being careless...but I know alot of insurance companies won't accept me for that. Does anyone ... |
|
 Does anyone no where I can get help to pay medical bills? |
| Unfortunitly I losed my medical coverage on 6/30/07 and was told I would be able to enroll in another program but that was a lie and then I was in the ER on 7/15/07 and I don't have any ... |
|
 I am doing project on insurance, so i want some material on insurance on net i am not able to find it pls... h |
| i am doing project on insurance i want information on insurance pls... help me out with my problemi am searcing for material on insurance on the net pls... some one help in getting information on net ... |
|
 Will United Healthcare pay for my gastric bypass surgery? |
| My doctors have deemed it medically needed and my BMI is a 50.18.... |
|
 How do I go about cashing in an insurance policy if the company no longer exists.? |
| I have three old insurance policies that are paid up. I want to cash them in for the face value. But the insurance company from which they were purchaced no longer has a listing in any directory. W... |
|
 What is the best health insurance and life insurance policies to go with? |
| I am recently out of the military and need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies? Also, ... |
|
 What car insurance company would be best for my situation? |
No accident for 5 years, no tickets for 3 years, excellent credit.
So, what quality auto insurance companies only look back 5 years for accidents, 3 for tickets and weigh in good credit?<... |
|
 How can i get very cheap health insurance? |
| i am 18 yrs old, i go to school and i work at a place that doesnt have insurance and i really need to go to get my teeth pulled and i need to go to the doc for my stomach... how can i get free or ... |
|
 Health Insurance Help!!!!!!? |
I need health insurance coverage.... especially for my prescription, I pay about $200.00 monthly on my medication, Effexor, Birth Control, Acne Cream.
I need help on what type of coverage ... |
|
|  |
stark_raving1 | Is my homeowner's insurance agent guilty of fraud? |
A few years I was forced to get a new homeowner's insurance. When I spoke with the agent, he extolled the virtues of the policy and I bought it, assuming I had full coverage. However, when I tried to place a claim for storm damage, he promptly indicated that my policy was "liability only." Apparently I am not covered for damages caused by natural events like rain, wind and lightning. It will only cover like if someone comes on my property and stubbed their toe and sued me for $100 million. Is there really this type of insurance or is the company just trying to side-step their responsibility of paying? I looked at the policy, but I just don't have the savvy of figuring it out. Of course, if I want to add this coverage, my premiums will triple. Was this insurance agent deceptive in his salesmanship? |
 |
 
Tori
|
When clients GET/BUY an insurance policy - they hear what they want to hear
eg: lower price, mine's the best...blah...blah...blah
What alot of times they DON'T hear the "exclusions" - meaning what it doesn't cover - and that is not the fault of the agent - usually it's in writing! incase you did not listen to that part of the conversation
Agents are paid to properly explain the coverages you are getting and GIVE YOU a copy of exclusions - if you did not read it or understand it -
you should have asked your agent to explain anything you did not read or understand.
That, as the client, is your responsibility |
|
BlueSea
|
No. Court cases have been brought under similar circumstances and the simple fact is YOU have a copy of your policy, you get a new copy every time it renews and YOU needed to read your policy.
And sure there is that type of coverage: It's called liability.
However if you have a mortgage your bank should have known you did not have property coverage.
And you certainly don't need to be "savvy" to read your basic coverage, on policies it is in plain and simple terms on the front page, usually in a box. Then there are the numerous pages behind it that one needs to be "savvy" to figure out, but in plain terms YOU should know what coverage you have or don't have.
By the way, if you need 100 million dollars worth of liability coverage, I would hate to see your Umbrella policy!!!! |
|
bud68
 |
I'm not sure if he was "deceptive" or you were just ignorant. Why would you not verify that you have full property coverage when buying a new policy? |
|
Queen B
|
thats the craziest thing i ever heard! this is either a premises liability policy or an umbrella policy you are talking about, NOT a homeowners policy. In order to have an umbrella policy you have to have an underlying homeowners policy, so where is it? I'm not sure why you were "forced" to get a new policy, but it isn't a homeowners policy. You say the agent went over the policy with you before you bought it, so you should have known what you were getting. Call the agent and find out what type of policy it is and find out where your actual homeowners insurance is through. |
|
Joey M
|
If you think that you have property coverage, then call the company directly. The adjuster will interpret the policy for you and let you know whether or not the claim will be paid.
As far as fraud, if you don't have anything in writing, a quote or application, that states you were purchasing insurance for your property, then you don't really have a case against the agent. Its just a he said/she said. |
|
David M
 |
None of us was there when the insurance agent told you what the policy covered. If you don't have any recording of what was said, I doubt you will have any action against the agent. The insurance company is liable for whatever the insurance contract says they are liable for. If you can prove the agent misled you or misinformed you, you can sue him and his errors and omissions policy would pay. |
|
withay16
 |
the type of loss you describe sounds like an umbrella policy. if u have a mortgage, your lender would never let you buy apolicy that does not fully protect their investment against these natural disasters. read the policy. and dump the agent, and get one you trust |
|
gail t
 |
when ever you go to an agent for information, ask lots of questions. She sold you what she wanted you to have, not explaining what the policy would cover |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
8 | 5 minutes(s) ago
| | | |
8 | 28 minutes(s) ago
| | | |
8 | 1 hour(s) ago
| | | |
8 | 5 hour(s) ago
| | | |
5 | 8 hour(s) ago
| | | |
7 | 10 hour(s) ago
| | | |
8 | 11 hour(s) ago
| | | |
8 | 2 day(s) ago
| | | |
8 | 1 week(s) ago
| | | |
8 | 1 month(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
