Coverage for Bodily injury

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PostPosted: Tue Feb 16, 2010 6:33 pm   Post subject: life insurance company get back money  

Can a life insurance company get back thier money after they paid and then find out of a pre-existing condition after a year of investigation.


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deathman
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PostPosted: Tue Feb 16, 2010 9:13 pm   Post subject: CAR ACCIDENT  

I SIGNED A BODILY INJURY RELEASE FOR $ 250.00. THE INSURANCE CLAIMS ADJUSTER IS JERKING ME AROUND BY SAYING HE HASN'T RECEIVED A COPY OF IT , LIE'S.

I FAXED IT AND MAILED IT 10 DIFFERENT TIMES. THE ACCIDENT HAPPENED IN AUG 2009 I STILL HAVE NOT RECEIVED THE 250.00 BODILY INJURY RELEASE CHECK WHAT IS THE DESIGNATED TIME FRAME FOR ISSUANCE, AND IS THEIR A STATUE OF LIMITATIONS?


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ANXIOUS AND FRUSTRATED
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PostPosted: Tue Feb 16, 2010 9:50 pm   Post subject:   

Quote:
I FAXED IT AND MAILED IT 10 DIFFERENT TIMES. THE ACCIDENT HAPPENED IN AUG 2009 I STILL HAVE NOT RECEIVED THE 250.00 BODILY INJURY RELEASE CHECK WHAT IS THE DESIGNATED TIME FRAME FOR ISSUANCE, AND IS THEIR A STATUE OF LIMITATIONS?
The statute of limitations is at least a year and could be 4 years or longer. It differs from state to state.



Why not simply mail it certified mail and nip this one in the bud. I'd think I'd have done this long before I sent the 10th copy.



Also, all caps is YELLING. Please don't yell.
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PostPosted: Tue Feb 16, 2010 11:20 pm   Post subject:   

10 times? really? that's a little hard to believe..believe me the adjuster wants and needs this claim closed....where are you and where are you mailing to? I'd either drive it to them...if this is feasible ...if not do as Tcope said...call the adjuster advise that you are doing so...also contact your states DOI and ask them how long a carrier has to issue payment once a release is in their hands...you will have the cert. mail receipt to prove when they got it...tell the adjuster if you don't receive payment within that time, you will file a complaint with your states DOI. You may want to contact this adjusters supervisor first, and see if you can get it done that way first.



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PostPosted: Thu Dec 09, 2010 6:47 am   Post subject: Bodily Injury Liability  

My limits and/or deductibles in this category is $250,000/500,00 what does this mean? What if I am at fault and the person I hit is is air lifted and hospitalized for a couple of days and then comes out of the hospital okay?



Thanks for taking the time to answer this question.


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PostPosted: Thu Dec 09, 2010 7:03 am   Post subject:   

Quote:
My limits and/or deductibles in this category is $250,000/500,00 what does this mean?




First, I assume we are discussing a personal auto policy, not a commercial liability policy. If that's true, $250,000/$500,000 is the insurance company's limit of liability for your negligence. It does NOT describe your deductible.



The $250,000 is the most your insurance company will pay to a third-party who suffers a loss due to your negligence. The $500,000 is the most the insurance company will pay to all persons you harm in the same event.



Quote:
What if I am at fault and the person I hit is is air lifted and hospitalized for a couple of days and then comes out of the hospital okay?




If this is true, then your insurance company will pay up to $250,000 for the injuries, transportation, treatment, and hospitalization of that third-party individual. Air transport can cost up to $10,000 for a relatively local response. A couple of days in the hospital can cost another $20,000 - $30,000. Physical therapy or other post-hospitalization can add another few thousand dollars to the bill. As can lost wages or other direct expense.



These so-call special (or specific) damages are compensable 100%. In your case, $250,000 should easily cover those losses. It's the more "nebulous" pain-and-suffering claims (general damages) that are difficult to place a value on. They could exhaust the remainder of your $250,000 limit, and cause you to have to pay any amount awarded in excess of $250,000 (total).



Any discussion of DEDUCTIBLES in your insurance policies have to do with the portion of any collision or other-than-collision claim (your own losses) you are responsible for before the insurance company contributes its own money. It has nothing to do with third-party losses. Likewise, the $250/$500 has nothing to do with your personal injuries, but could apply to injuries caused to passengers in your vehicle.



Hope this helps!


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PostPosted: Fri Dec 10, 2010 9:23 am   Post subject: Liability  

I live in WI. I was in an accident. I knowingly drove my vehicle that has a freezing gas line. I was in my lane but I did not move to the side of the road. I was going 5 MPH in a 50 hoping to drive to my local store to get something to fix my problem. I told this the police after the accident. I was hit from behind. The guys car was totaled. Now what? Am I negligent in anyway because I knowingly drove a vehicle whose ability was compromised?

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PostPosted: Fri Dec 10, 2010 7:02 pm   Post subject:   

Quote:
Am I negligent in anyway because I knowingly drove a vehicle whose ability was compromised?
Probably. Be driving so slow on a road that allows for a much higher rate of speed you were creating a dangerous situation. Also, it's not like that situation came to be while you were already on the road... you knew of your vehicle's condition and still choice to create that danger.



Are you 100% at fault. No way. But I see the other carrier putting some liability against you. In some states this will reduce the amount you can collect. In some it would bar recovery. It appears in WI if you are 51% at fault in the loss you cannot recover anything from the other party. for your situation, it all depends on the adjuster. Some might say less then 50%... some might say more.
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PostPosted: Sun Dec 12, 2010 8:05 am   Post subject: Liability  

Am I negligent in anyway because I kept driving my vehicle when It was not functioning properly on a highway? The vehicle gas line froze "I think." I didn't pullover. I kept driving in the middle of the road (not on the shoulder) in a 55 MPH zone. I was going about 5 MPH. My blinkers were on. Instead of pulling over I figured I could make it the mile or two down the road and then buy what I needed to "fix" my car. I was hit from behind. Should I have pulled over? Am I at all responsible or liable for what happened? I live in WI.


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PostPosted: Sun Dec 12, 2010 8:22 am   Post subject: Liability  

Am I negligent in anyway because I kept driving my vehicle when It was not functioning properly on a highway? The vehicle gas line froze "I think." I didn't pullover. I kept driving in the middle of the road (not on the shoulder) in a 55 MPH zone. I was going about 5 MPH. My Hazards were on. Instead of pulling over I figured I could make it the mile or two down the road and then buy what I needed to "fix" my car. I was hit from behind. Should I have pulled over? Am I at all responsible or liable for what happened? I live in WI.


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PostPosted: Sun Dec 12, 2010 9:07 am   Post subject:   

Quote:
Am I at all responsible or liable for what happened?
Did you not read my prior post?


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PostPosted: Tue Dec 14, 2010 6:42 pm   Post subject: Liability  

I was in an accident. Today my insurance company called me and asked me for information on the other car I hit. I asked if the other party was making a claim and they said no. They said they like to to call the other party to make sure that all was okay etc. and that they wouldn't make a claim. Is this normal. Shouldn't they wait until the party make a claim and pursues me before they start making phone calls etc.?


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PostPosted: Tue Dec 14, 2010 8:33 pm   Post subject:   

Quote:
Is this normal
Very normal! But I'm confused on who reported the loss... I'm guessing that you did. First, if I had a dime for every insured person who said they were not at fault when they were... I'd retire right now! Second, perhaps the other person still disagrees with who's at fault. If so, they need to be mailed a denial. Third, what if the other person thinks you are at fault and has injuries... better to get this person on the record now so that they can't change their store later on. Basically your insurance company is protecting you by doing this.


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PostPosted: Mon Oct 17, 2011 12:59 am   Post subject: pencil  

my son sat on a pencil at school by a bad prank. it went thrrough 4 inches and recieved stitches and couldnt play sports or run for 6 weeks . needless to say he still has a shooting pain. now they want to settle with me... the hospital put a lien on them until 12 thousand doallars is paid. i want my son to get pain and suffering and i do not want to sue they are just young girls . they paid all my out of pocket medical co pays and missed work pay. what amount of settlement should i agree too.


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PostPosted: Mon Oct 17, 2011 5:47 am   Post subject:   

First of all, start a new thread to post your query to get advice from experts.



I think it's difficult to decide on how much you can claim for pain and suffering in this case.



In my opinion, you are the best judge as you can feel what your son is actually going through regarding his mental and physical agony.



You may also ask the treating doctor, friends and relatives to help you decide on the amount.

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