 My mother was murdered a week ago, what financial resources are available to me? |
| My mom was murdered by her boyfriend of 7 years in a murder suicide four days before Christmas. I am a 21 year old college student going to Ohio University. I was wondering what financial resources ... |
|
 State Farm Insurance Claim. Help!!!? |
| T.L. Thompson and associates has been assigned my sibrogation claim. I was driving without motorcycle insurance and hit a parked car. I've asked them for the documentation as far as ... |
|
 Any ideas who to contact if I've been given false information on a compensation claim that I have made? |
| I was originaly told that my claim would be on a no win no fee basis and that all compensation due to me would be mine. The firm that dealt with my claim have now deducted a 30% commission fee which I... |
|
 Employer Health Benefits and Pre-existing Conditions...? |
Does anyone have ANY ideas on what I should do next?
s it true that in the state of Califonia that an employer can not deny health benefits to an employee because they have a pre-existing ... |
|
 How does an insurance company decide if they are going to total out a car? |
| So last week, my 2001 Ford Focus, which I still owe $1500.00 on rolled down the driveway. Kelly Blue Book says its worth $1800. The estimate I got from the repair shop was between 1850. and 2000 ... |
|
 Around how much could I save switching from a $500 deductible to $1000 deductible? |
| Currently my husband and I pay about $212 a month for our car insurance.... he has a 2002 Explorer and I have a 2007 VW Jetta. He had an accident back in 2006 and we are both only 20, almost 21 but I... |
|
 Can you buy legal insurance to help you in case you get sued? |
| I am starting a small business and know there are risks of getting sued for crazy reasons. Please share any details! THANKS!... |
|
 Life insurance question? |
| My parents are divorced and my dad is trying to get life insurance for himself. He says he needs my brother's and my information like SSN and birth certificates. Does he need them? My mom doesn&#... |
|
 Is this how insurance companies work? |
| My daughter had her unattended legally parked car hit and totaled out by a drunk driver with no insurance in a stolen car. The owner of the car had no insurance and both of these people are in jail ... |
|
 Auto Insurance - Uninsured/Underinsured? |
| I have auto insurance coverage. I understand the various coverages included in the current policy. 1)Liability a)Bodily Injury b)Property Damage 2)Personal Injury Protection (madatory in MN) 3)C... |
|
 My dad is 67 and wants to get a 1 year term insurance. Are there any companies that are reasonable? |
67 Years Old
$250,000 face value
1 Year Term
Additional Details
No, he is in great health, its to satisfy my Mother because he wants to work for another year. So basically he ... |
|
 When is it good to cash out a universal policy and replace it with term.? |
| I have had a universal policy for a long time and have just been enlightened about term vrs universal/whole life. The cash value is at 14,000 (which I could really use some now), I'm 40 with a ... |
|
 How can I convince insurers that I'm low risk? |
| I'm under 25, haven't had my drivers licence for long and started working at the beginning of this year. The vehicle insurance qoutes that I get are almost double the instalment of the car.... |
|
 Car theft...would it be reporting this(read on)? |
My sister in law is 17 and had her car stolen last night
also can you beleive the police want paying to find it?!?!
If she claims on the insurance(as it was only a cheap little runner) ... |
|
|  |
tiger_lilly33186 | My insurance agent is an idiot? |
I live in North Florida and last Friday I received a call from my home insurance agent saying the inurance agency sent him a "third and FINAL" notice that the branches hanging over my roof needed to be trimmed back. I never received a heads up about the first two notices and now have to shell out around $500 to get the job done by tomorrow before the deadline, July 11th, when I have to leave town for one week.
The agent says he'll do the job for $150 since he owns his own trimming equipment. I called the insurance agency to make sure it wasn't a scam and its not. They really did send notices, the jerk just never told me.
What recourse do I have in this situation? Can I get my money back on the policy if it is his fault it gets canceled? Is there a consumer agency that can help me? What will most likely happen?
Thanks. |
 |
 
ernesto_tig
|
What recourse do you have - not much, living in FL you're lucky to have any insurance company that's not Citizens. Shopping around is not much of an option.
Can you get your money back? Yes, you'll be refunded any unearned premium, minus and fees your insurer can charge (and has been approved by state DOI) .
Is there a consumer agency that can help you? You can complain to the agents bosses or home office, the state DOI, and the BBB.
What will likely happen? Nothing, these people are not going to get your policy reinstated prior to July 11th cancel.
Your best bet in the short term is to comply with their underwriting request. Get the work done prior to the date and get pictures taken prior to the 11th and get the pictures to the agent. After the policy is reinstated, look at transferring your auto/home business to a different agent within the same company. In the future if other options come available in FL, transfer to a different company. In the meantime grin and bear it. Good luck. |
|
ME
 |
you really cant do anything about it at this point, all you can do is find a new agent and transfer your policy. DON'T cancell it though, you'll need to do something called a broker of record transfer. so find an agent that writes insurance with the same company your with. |
|
Makotto
|
Well, I would check the ethical implications of this problem. While your agent might be lawfully asking you to cut those branches, the minute he offered to do it himself he is acting against the ethics portion of the insurance code. If you think his behavior is incorrect, report him to the insurance commisioner in your state (you can get his license # from any of his cards or the actual insurance policy). |
|
van_at_lincoln
 |
Your agent is an idiot if he didn't send you the company's recommendations the first and second time. However, your policy is a contract with the company providing your coverage and you have to comply. Find a new agent! |
|
mbrcatz
|
Well, notice to your AGENT is not the same thing as notice to YOU. So the insurance company can't cancel you based on notice to your AGENT.
Now, for recourse, if the insurance company cancels your policy, yes, you're entitled to a pro-rata refund of the premium, assuming you're PAID IN FULL for the year.
The consumer agency that helps you would be the Florida State Insurance Department.
What will most likely happen, is that the company will issue you a cancellation notice, giving you 30 days to fix the problem, or the policy is cancelled. Unless they're TRYING to cancel homeowners policies in FL (like everyone else is), in which case they won't reinstate afterwards.
And a few comments - there's NO WAY I'd let the agent trim that tree, unless he has a tree trimming service, AND LIABILITY INSURANCE COVERING TREE TRIMMING. Actually, there's no way I'd let him trim, anyway. Just seems a bit slimey to me.
Also, I'd find another agent that represents your homeowners company, and transfer your policy over to them upon renewal, with a "broker of record" letter. Get a new agent, for sure. |
|
AlexN
|
yeah just ask for every thing back and cancel it...mam |
|
Dan
|
Tell him he is going to do the work for nothing today or you'll report him to the insurance commission and file a civil suit to compensate you for the lapse in coverage and anything else your high paid lawyer can think of (lawyers fees are recoverable so splurge!). |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
6 | 13 minutes(s) ago
| | | |
7 | 49 minutes(s) ago
| | | |
7 | 3 hour(s) ago
| | | |
6 | 4 hour(s) ago
| | | |
7 | 9 hour(s) ago
| | | |
7 | 2 day(s) ago
| | | |
7 | 3 day(s) ago
| | | |
7 | 1 week(s) ago
| | | |
7 | 2 week(s) ago
| | | |
7 | 1 month(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
