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PostPosted: Mon Aug 13, 2007 2:21 pm   Post subject: CAN AN INSURANCE COMPANY COMBINE 2 CLAIMS?  


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PostPosted: Tue Aug 14, 2007 3:45 am   Post subject:   


Your insurance company is really not combining two claims. Actually they should be issuing two payments and taking 2 deductibles (which it sounds like they may not, so your actually getting paid more then you should). What you may be overlooking is that you did not have the damage on your total loss vehicle repaired. This would actually lower it's value (by the amount of the repair cost... more or less) and as long as the insurance company is not deducting this amount from the valuation of the vehicle, they are paying the correct amount.

Two options:

1) $5000 total loss value (no payment for prior accident and no deduction for same)

2)$1600 1st accident payment. Then $5000 value-$1600 in prior damage=$5000 (same as #1)

Lastly, the proper way for the carrier to pay this loss is as follows:

Accident#1: Repair cost less ded.

Accident#2: Vehicle value, less prior damage, less 2nd ded

I'm guessing there is a good possibility that the carrier is simply handling this as one claim and only subtracting the ded once. If this is the case, you are actually being paid more then the carrier owes.

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PostPosted: Tue Aug 14, 2007 6:08 am   Post subject: calculation should be proper!  

Hi, i'd empathize with your situation but at the same time I'd like to stress to this fact that being 'totaled' is not much a measure of the real damage done to your car. Sometimes it may so happen that the design of your car may have lessened the overall effect of the mishap upon it and hence the totaled value may just show a different figure calculated upon [ultimate cost of repairing + cost of renting a car (if any)] depending upon the market value of your car. Hence you might need to talk to your adjuster about the appraiser's estimate. What do you think ?

regards, fatman

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PostPosted: Tue Aug 14, 2007 6:26 am   Post subject: seems a better deal..  

Yeah in case you see that the deduction is only once for both the mishaps them I'm sure you're getting a better deal! Stella McCartney

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PostPosted: Tue Aug 14, 2007 6:44 am   Post subject: other things that you need to remember!  

My friend, I'd just like you to remember that while considering the appraisal value your insurer doesn't go beyond his obligation of reinstating your car's pre-loss worth. In case he fails to support you with it then he certainly owes you what is called a 'diminished value'.

This is considered to get your car to its earlier functionality, its former get-up and former safety mode. Now, there are three distinct diminished values that you need to discuss with the insurer - the inherent diminished value, diminished value owing to insurance & diminished value owing to the repairs. Now out of these the insurance related dim value occurs as a result of the apprehensions & negligence while arriving at your insurer's appraisal. Please do make a note of this also!

Yeah, I feel your insurer was clever enough to contact you and appraise you within 24 has got nothing to do with the dispatch of the check. The time for dispatching the check from their end would obviously depend upon a number of factors followed by a close scrutiny! Hope, thats understandable.. Juanita

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PostPosted: Tue Aug 14, 2007 2:32 pm   Post subject:   

My friend, I'd just like you to remember that while considering the appraisal value your insurer doesn't go beyond his obligation of reinstating your car's pre-loss worth. In case he fails to support you with it then he certainly owes you what is called a 'diminished value'.

Diminishment of Value does not apply to a total loss vehicle... almost no auto insurance policy allows for diminishment of value (this is a 1st party loss, not liability) and there are only a hand full of states that have laws that allow for admonishment of value.
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PostPosted: Sun Jan 10, 2010 10:02 pm   Post subject: Insurance Claims..  

Is it fraud to accept accident payments from both your insurance company and the other party's insurance company for a "no-fault" car accident?

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PostPosted: Mon Jan 11, 2010 8:58 am   Post subject:   

Hi onetime

As far as my knowledge goes, in a no-fault state, you can only claim from your own insurance company. You can sue the other party if the claim exceeds either a verbal or a financial threshold. But, you cannot have both - compensation from your own insurance company and the third party.

However, after your insurer has paid you for the loss, he may subrogate the other party's insurance company if he believes that the other party has been at fault.


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PostPosted: Thu Jan 21, 2010 6:43 am   Post subject:   

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PostPosted: Tue Feb 02, 2010 11:14 am   Post subject: Insurance claim  

You cannot claim from both your company as well as the other party's company to compensate for your damages in any case.

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PostPosted: Tue Feb 02, 2010 11:39 am   Post subject:   

Depends which coverage you're talking about....PIP, medpay, plus health coverage...and what your state guidelines say..If you mean for the physcial damage to your vehicles from your carrier and the other the answer is 'no' you can't and 'yes' it's fraud and further you 'will' be caught.


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The wisconsin GOP's last gasp

When she get going the rallies in January, She imagined in several ways,also you can a short term endeavor to convince Issa to vote against the repeal of Obamacare. But to her astonishment, Here in Orange County once a stronghold of the John Birch Society and the modern conservative movement the protests became a hub for California Democratic activists determined to flip control of the House of specialists in 2018.

In normal political election cycles, California voters are far from the action catching glimpses of federal candidates when they breeze to raise money. somebody in charge of in recent memory, The Golden State is the central Democrats' crusade to win 24 seats that would grant them the House majority.

The party's chief targets in 2018 are the 23 Republican members who characterize districts won by Hillary Clinton last year. Seven of those seats including Issa's in the 49th Congressional District are in ca,arizona. That unusual political geography is giving novice activists like Montanari a sense of purpose. The chance to put a Democratic check on the Trump software is literally in their backyards.

The protesters who gather on the sidewalk here per week loathe Issa, A polarizing flame thrower who won re selection by 1,600 votes. but you are horrified by President Donald Trump's baiting of foreign leaders; His cavalier verbalize war with North Korea; And the serpentine connections between some members of his governing administration and Russia.

Democrats face plenty of hurdles in their bid to retake your house and haven't won any of the special elections they sank money into this year. but there's a certain energy in these districts that is unusual from previous years.

That seething contempt for Trump, Coupled with the sense that Issa does not represent the progressively diverse composition of his district, Has drawn possibly 400 people to the Tuesday rallies.

Rally attendees in Issa's district, in addition Democratic groups across Orange and San Diego counties, materialize to be organizing and walking precincts, Hoping to change up the makeup of the midterm electorate (Which is often older, white, And more small than in presidential years).

When Montanari unveiled one Tuesday that she planned to end the rallies at outside Issa's office at Trump's 100 day mark, the group shouted her down: "Nooooooooo,

"everyone was grabbing me saying: 'Please please do not stop. you are keeping us sane,'" Montanari told me on an up to date Tuesday. An email from one of many protesters convinced her to keep going.

But that hold is falling fast. Republicans among California's congressional delegation, such as House Majority Leader Kevin McCarthy, Hold the last vestige of GOP power in nys.

The party's share of California's electorate has declined precipitously since the mid 1990s, When the GOP backed the anti immigration measure known as idea 187, Which denied basic public remedies to immigrants. Prop 187 was consequently blocked by the courts, But it altered the image of the GOP making it harder for them to appeal not just in minorities, But to thriving, White voters in places the same as the Bay area.

The rapid growth of the Latino and Asian populations in California, As well as middle class migration out of the state, Has accelerated the drop off in of the Republican party sign up here. GOP voters now comprise a quarter of the state's recorded voters, Compared to 34% a decade ago.

take advantage of Stutzman, plastic ban based Republican strategist who was an advisor to former Gov. Arnold Schwarzenegger, Noted that some the targeted Republicans, adore Ed Royce, Ran far ahead of Trump in their areas in 2016.

While he referred to that anti Trump fervor could turn the tide in Democrats' favor, He said strong financial growth, A 4% unemployment rate and a gas tax repeal on the ballot could drive strong turnout of those older, More fiscally traditionalistic Republicans next year.

"We don't know yet whether Trump works as a drag on these members or not, Stutzman explained. "yr after, Voters clearly saw the distinction between the Trump brand and the Republican brand, and there's evidence that's still the case,

The seven vulnerable members of the California delegation are already drawing fire from Democratic groups for supporting the House legal procedure to repeal and replace Obamacare in May. also Issa and Royce, The group involves Dana Rohrabacher of Costa Mesa, Mimi Walters including Irvine, jason Denham of Turlock, David Valadao of Hanford and Steve dark night of Palmdale.

They districts are not alike. knight, An Army veteran and former policeman who develops from a well known political family in the Antelope Valley, Is the last Republican which represents the suburban communities around Los Angeles. Issa and Rohrabacher represent districts that run along along the coast and are ever more liberal and diverse. Walters, Who casts himself as a "Practical practical, Faces at least a half dozen competitors in the white collar communities of central and south Orange County.

Royce is all about a diverse constituency, But he bested Trump by double digits in 2016 because he has been so attentive to the diverse needs of his district.

In the primary Valley, Denham and Valadao represent perennially competitive districts and are used to tough re election fights.

Their races will often turn on whether Congress can find a legislative solution to the Deferred Action for Childhood Arrivals program, termed DACA, Which insures nearly 800,000 young immigrants brought to the usa as children. Attorney General Jeff Sessions recently announced the Trump government will end the program after a six month grace period.

mark Wasserman, A political analyst for the non partisan Cook Political Report who concentrates House races, Said one of the better challenges for California Democrats in midterm years is turning out Latino voters. that is different in 2018 depending on how and whether Congress addresses immigration.

"Trump may have just handed Democrats a way to turn out voters who might not otherwise turn out in a midterm election, He told me.

Several of the California Seven have been eager to show their diversity from the President, in specific on immigration. in just 2016, Hispanics made up 39% of California's human population, And 28% of the state's eligible voter amount, to be able to data from the Pew Research Center. A quarter of the country's DACA recipients live in California.

over months, Denham and Valadao have urged Trump to increase DACA, And they are now likely to be the main topic on any deal brokered in Congress to protect those young ukraine wife immigrants. Denham recently used his Facebook page to highlight the benefits that DACA recipients have made to American society.

"Children brought to the states at a young age did not have a choice in the matter, Denham and Valadao wrote in just their August letter to Trump (Which was signed by four fellow members). "They did not willingly seek to violate American statutes when they traveled with their own families across our borders, As the other was often life without primary caregivers,

They have both vowed to shepherd a intention solution through Congress. On the day of Sessions' go to, Denham told me he was optimistic about the candidate.

"We've before hand teed these bills up. There's bipartisan support for the Senate version and therefore the House version, Denham claimed. "We've got to enable you to move things forward,

Denham acknowledged that the Republican strategy for getting a bill through is still being worked out.

"We are either going to need to put a Dreamers bill on a must pass piece of legislation or combine it with other immigration reform issues. I would be loyal of passing it as a standalone bill. My fear is that i'd rather not see the House hold up the Senate's bill or the Senate hold up the House's bill.

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