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any one out there famliar with or work with insurance companies on arbitration of a reconstructive proceedure?
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Spiny Norman
Never ask your Insurance Company if you are covered for a specific item.?
According to my Insurance Company (The Post Office) this is regarded as a claim and will be on your policy for five years!
Has anyone else had this experience?
the best way to check for coverage is to look at your policy(duh!)
If you don't have a copy of your policy or do not understand it, you should contact your insurance agent to advise what is and is not covered.
claims can only be shown on your loss history/loss run if in fact it is a claim. a claim means that someone (could be yourself) has contacted your insurer, and as a result the insurer has paid money against your policy.
the time an incident or injury remains on your loss run is differant from the information gathered by the information bureaus which can follow you around for a very long time.
Lizard
Now is that what really happened? Or did something actually happen to the item & you rang up told them an event had taken place and they declined you for this?Then try to make out that it was just a question as nothing had happened. Such as my tv has broken down, no reason just stopped working - wear & tear.
blb
If you contact your insurance agent and ask if something is covered and they giv eyou an answer right away a claim is not turned in. If you call with a question that can't be answered without turning in a claim and having an adjuster research the policy to see if there is coverage, then a claim has been turned in and will show up for 5 years.
heebygeeby
I think the post office insurance is cac,they're expensive.
from HJ
Simply asking a "what if" question will NOT be recorded as a claim!
If you call & say this or that HAPPENED & you want to know if it would be covered, would likely be recorded, as an incident occurred.
DFW Broker
Actually I know allstate and state farm both have practices that if you call and identify yourself and ask a question about coverage that they are to record it.
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