 PAP(personal auto policy) coverage related with neighbor? |
| If my neighbor ask me to borrow my car for pick up her children, does PAP cover my neighbor?... |
|
 I was recently "let go" here in Virginia. Do I still qualify for Unemployment Insurance? |
| I was "let go" in Va, but the reason for termination was, "Mr. Badu I am going to have to let you go. It seems to me that you need to find out what you really want to do in life. Go ... |
|
 Why is your FICO score directly related to your mortgage insurance? |
| If you have a score that gets you 6.25% 30 year fixed rate. How can the insurance company judge your rate on your credit scores. If you have a low score, you should not get a home loan.... |
|
 Do the "Owners" of a corporation need to pay WorkersComp? |
We have 3 majority stock holders that are also employed by the corporation. Does WorkersComp apply? Operate in California.
Additional Details
I know it applies to the employees, but ... |
|
 Selling annuities and life and health Want to go (non-captive) need a company? |
| I have had my liscense for over a year,and I have worked for a insurance company,but I want to go on my own and become non-captive. This will allow me to gain more capital and be my own boss. But I ... |
|
 I just became eligible for Kaiser HMO through my work and I'm pregnant. Lot's of questions, can't find answers? |
I just became eligible for Kaiser HMO through my work and I'm pregnant. Lot's of questions, can't find answers?
I am currently covered through medicaid. If I accept the insurance ... |
|
 Doctors and disclosure? |
If you go for a M.O.T. at the doctors and let them know that, on occasion, you use recreational drugs so that they can get the full picture of your lifestyle. Is this information confidential?
<... |
|
 I'm in the UK and need to insure three diamond rings - anyone know of a company that just insures jewellery?? |
| Hi everyone, I've got three rings that I need to insure for about £4,000, £5,000 and £6,000 - I wear them all day, every day. Does anyone know of any company that just insures rings or ... |
|
 Requirements for life insurance policy? |
| I am considering changing my life insurance policy, and obtaining long term disablility insurance. The insurer told me we would set up an appointment for bloodwork. What tests do they do for this? ... |
|
 Dropped a plastic piece on my foot at work...workman comp? |
| At work yesterday I dropped a plastic thing on my foot. It was under 6 ounces and should not of done damage... My foot got badly bruised and my mom thought my toe was broken. We went to the doctor ... |
|
 How do I become an independant insurance agent? |
| I was told that I didnt have enough experiance to be an exclusive agency, so someone suggested that I be an independant agent and work with 6-8 different companies. I dont have a degree or experiance,... |
|
 What does gap mean? |
| i need to know what is ... |
|
 When an auto insurance company looks into your credit what are they looking for? |
| When they look into your credit what are they looking for? Just your credit score? or can they see your whole report? Like your credit card debt?... |
|
 Employer Provided Health Insurance - Cancellation? |
| Can employer provided health insurance be cancelled if a doctor has put you off due to an illness for over 2 weeks?... |
|
|  |
he&I | What to do when medical bills exceed responsible party's policy limits? |
The person responsible for the accident has a personal injury policy limit of $20,000. A friend's medical bills are over that. She suffered a broken leg, arm, clavicle, 2 ribs and has had extensive PT. She also has permanent scars on her face. The insurance company is telling her that they can only give her the policy limits. She wanted to know if hiring a lawyer would be best before she actually did so because you know they have to take at least 30% of the settlement and if all she can get is policy limits, she doesn't want to go that route. |
 |
 
Sue
|
A lawyer cannot increase the other party's liability limit, so she would collect the $20,000 LESS the attorney's fees (30-40% plus expenses). With her injuries, the other party's insurance will offer the limits of the policy without an attorney. An attorney MAY take it to court & be able to get a judgement against the other party (but his fees will be 30-40% of the JUDGEMENT, not what is collected - so if the judgement is $50,000, the attorney would get probably $20,000 leaving your friend with NOTHING). If the other party has no assets, good luck collecting the balance of the judgement.
Her best bet would be to look on her own policy, see what her PIP & medical payments are. Also, see if she has UNDERinsured motorist bodily injury & file a claim there. She can get up to her underinsured motorist limit (say she has $50,000, that would be the most she could collect, not a total of the 2 limits).
Good luck to your friend & speedy recovery. |
|
Luna & Lawnboy
 |
If the other party only has $20k, then that is all the insurance company can offer. She can sue the other party, but if they do not have any assets, it is unlikely she will recover anything from them.
If the driver of the vehicle was not the owner of the vehicle, then in some states you can stack these available coverages.
If your friend has underinsured coverage, then she should file a claim under this coverage for additional benefits. If another household member has underinsured coverage, she may be entitled to their coverage. Again, it varies from state to state. Some states allowing "stacking" others don't. |
|
Ana M
|
having an attorney will not make a difference. The insurance company will not pay over the policy limits. it's not the insurance companys fault. you'll have to establish a law suit against the other party. good luck! |
|
♥ Uwish ♥
|
The insurance company cannot pay more than the policy limits.
If she has auto insurance she can make an UNDERInsured Motorist Claim (UIM), meaning the at fault person did not have enough coverage.
She can also make a UIM claim on her parents auto policy, if she still lives at home with them.
if she retains an atty, the insurance company is still only going to offer her the policy limits |
|
nikital1999
 |
It would be best for her to hire a lawyer. Her medical bills, and PT should definitely be covered. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
5 | 41 minutes(s) ago
| | | |
5 | 2 hour(s) ago
| | | |
5 | 5 hour(s) ago
| | | |
4 | 7 hour(s) ago
| | | |
5 | 8 hour(s) ago
| | | |
5 | 10 hour(s) ago
| | | |
4 | 1 day(s) ago
| | | |
5 | 4 day(s) ago
| | | |
5 | 2 week(s) ago
| | | |
5 | 2 month(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
