 Why do vets ask for vets fees paying in full? even for emergancies?..whats the point in getting insurance? |
When a pet gets ill not everyone has the money to pay for a vet...myself included.
I thought with pet insurance they pay the vet and i just have to pay the excess which is £50
B... |
|
 What is it REALLY like to be an independant insurance agent? |
| I am 52 years old and was a social worker for 13 years and worked for oil companies for 8 years. I am 52 years old and have been offered a job to work for AFLAC and possibly Farmers Insurance Group ( ... |
|
 Insurance? |
| I have to make up an insurnace company for me webdesign class and build a website about it. gahhh i don't even know what insurance is. how boring! I have to have 3 info pages. one on an ... |
|
 How can I get FREE Insurance???? Please I really need help :(? |
I need free Insurance so bad. Its hard for me cause i dont have anyone to help me and my dad no longer covers me for his insurance cause i just turned 20.
Please how can i apply for Free I... |
|
 Life insurance? |
| My mom has term life insurance for 10 years for New York Life.. is it true that in 10 years, she'll be able to renew it another 10 years? Won't that be more expensive? Also, what happens ... |
|
 Can someone in a car accident be given a donation? |
| If someone is in a very bad car accident, being driven in a taxi, can they be given donations? What are the quickest and fastest ways to set up a channel to receive donations? Please consider ... |
|
 With a life insurance death benefit, does the face amount divided by premium tell when it is paid for 100%? |
This death benefit is 10k, and the monthly premium is $40. 10k/40 = 250 months, or 20 years
Or a 5k benefit with $40 premium would be 10 years?
So I am betting I will die before it is paid ... |
|
 What does AIG fall mean to my Life Insurance Policy? |
| I know that AIG is still liquid but there is a lot of speculation on their future. I have a 30 year life insurance policy that I just bought last year. What does this all mean to me? Is there ... |
|
 Does insurance cover the cost of scoliosis surgery? |
I found out the scoliosis surgery cost was 100,000 dollars and was just wondering if medical insurance covered any of the cost?
Additional Details
Thank for the info i sure hope ... |
|
 Can I be denied insurance? |
| I am currently getting health insurance from Health Partners through my mom's employer, but I will be losing my coverage at the end of the month, since I got married. I applied to continue ... |
|
 So what happens when you find out your pregnant and don't have Maternity coverage? |
Hi,
My husband and I found out we were pregnant in February, the pregnancy was unexpected, even though we did use contraceptives (birth control pills). Unfortunately, my health insurance cut me ... |
|
 Health insurance for dummies?? (that dummy would be me)? |
| Ok I'm leaving my parents coverage in a few months and am scouting health insurance companies....thing is...I have no clue what they are talking about!!! The thing I am most confused about is ... |
|
 Is this considered insurance fraud? |
| A deer recently hit my car while i was doing about 65mph. The bank owns the car, so they will write a check to me AND THE SHOP. I got a quote from a big shop for $4000. I know a guy with a small time ... |
|
|  |
Jose M | What can I do when GEICO insurance don't pay me what I think is fear? |
My wife had an accident last week. It wasn't her fault as the police saw. They can't fix the car because is more expensive than give us its actual value. Geico has offered us $3306 but we think that's not a fair price. Geico said can't give us any more money. What kind of help or where should we ask for?
The car is a '01 Saturn SL1, manual, Miles: 139000. We didn't have ANY problem with it; it's without a doubt the best car I had in my life.
Additional Details
Well, they finally offered us $ 3500. After all I read in your answers and I checked in others websites I think isn't make any sense look for a Lawyer because they aren't going to give us so much more. We really want this done ASAP. Ok guys, THANKS FOR ALL YOUR ANSWERS!! |
 |
 
MSAD
|
The insurance company does not use the Kelly Blue Book. Do not waste your time checking that value.
The insurance companies and banks use the NADA (National Automobile Dealers Assoc) book. Using the limited information you provided, I checked the value there and Geico seems to be about right.
You can check the value at www.nadaguides.com
What do you value the car at?
What data is your value based on?
The car is not worth more just because you say so or because you want more.
But -- again, from the very very limited information in your answer-- Geico's offer seems fair.
Geico owes you the Actual Cash Value of your car. What someone would have purchased the car for. You may want ask $27,000 for the car b/c it's worth that much to you. Does not mean someone would pay that for it. The car's ACV is what someone would have actually been willing to pay for the car to purchase it just prior to the accident- given its age, condition, options and mileage.
If you don't like their offer- file under your collision coverage and see what kind of offer your insurance company makes. No guarantee it will be higher - but you can see what they come up with. Then they will subrogate back against Geico for repayment. |
|
Phil
|
As stated, they owe you the actual cash value of the vehicle. Their offer sounds about right for the average condition vehicle you described. If you have maintained this vehicle in top condition, you might be able to get more. But you are going to need maintenance records to prove it.
You can also look for sales in your local market to see whether that value is correct. NADA generally gets the values close, but on occasion they miss it. I doubt it for a Saturn.
Overall, it is now up to you to prove that your vehicle is worth more than what was offered. You can file a complaint with the DOI. You can sue. And in both cases you will have to show that their value is not fair. |
|
mbrcatz
 |
OK, I am on my second Saturn, and I LOVE it. I loved the first, too.
Well, you are your own agent - that's a problem, with Geico - no one to battle for you.
Police don't determine fault, though. If it wasn't her fault, that means it's someone else's fault, right? In which case, if they have insurance, you can go through their insurance.
On the car. You have a deductible - how much is it?? I took a quick pop over to www.kbb.com to get a guestimate of value, assuming decent body, it's going to be about $3100, less your deductible.
So *I*, a major Saturn fan, think it's a fair offer. |
|
anaise
|
Understanding about depreciation of a car, and insurance is important if you want to lessen the headaches. Have you gone to Edmunds.com to find out what the value of the car is? And then, you need to calculate the depreciation and the wreckage. That's what adjusters do. And how do you know that what they are offering is not a fair price? You just totalled it. Saturns don't have a great resale value so if I were you, I'd take the 3306. http://www.edmunds.com/saturn/sseries/2001/consumerreview.html?mktcat=used+style+consumer+ratings+page&kw=2001+saturn+sseries+100001719+style+consumer+ratings+page&mktid=ik16231730. |
|
Ģąήġşтд βФЎ ≈ŗὰþþ мџšїк≈
|
Hey. In Australia we have a consumer ombudsman. I'm sure you have one too. The role of the consumer ombudsman is to investigate complaints against companies to ensure you are being treated fairly. If you are unable to find a number for the ombudsman/consumer affairs you should contact your local legal aid office and they'll point you in the right direction. Good luck! Hope I helped :-). |
|
senseikayne
|
In Australia we have a consumer ombudsman. I'm sure you have one too. The role of the consumer ombudsman is to investigate complaints against companies to ensure you are being treated fairly. If you are unable to find a number for the ombudsman/consumer affairs you should contact your local legal aid office and they'll point you in the right direction. |
|
JusMe
|
If the Kelly Blue Book has a similar price then you probably won't get any more money. But you could always send a letter of complaint to Geico first.
http://www.carinsurancerates.com/news/17-who-do-i-complain-to-about-my-insurance-company.html |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
7 | 31 minutes(s) ago
| | | |
7 | 38 minutes(s) ago
| | | |
7 | 1 hour(s) ago
| | | |
7 | 2 hour(s) ago
| | | |
7 | 5 hour(s) ago
| | | |
7 | 7 hour(s) ago
| | | |
7 | 11 hour(s) ago
| | | |
7 | 2 day(s) ago
| | | |
7 | 1 week(s) ago
| | | |
6 | 2 month(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
