in many state the benefit is only awarded to the taxable income.

Message Author
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Thu Oct 30, 2008 4:24 am   Post subject:   

If she has been working at the time of the accident and had missed her work for it, she may be entitled for the wage loss. However, a college student can't demand compensation for wage loss if her graduation has been delayed for the accident. However, she work status may also play a role in determining her benefits i.e. in many state the benefit is only awarded to the taxable income.


Senior member
Leave a quick message

Jeremy Holter

Joined: 06 Jun 2007
Posts: 1185

210.40 Dollars($)

PostPosted: Thu Oct 30, 2008 4:25 am   Post subject:   

The wage loss claim, if any, should be filed under the policy of the responsible driver. The employer has no liability of the wage loss caused in an auto accident, if its not mentioned otherwise in the contract drawn by the employer. I'd suggest you to discuss the issue with the insurance adjuster for clarification.

Register Now to have your Insurance queries solved.
Caroline Hudson

PostPosted: Mon Oct 05, 2009 7:28 am   Post subject:   

I was In A car Accident i Hit A car from behind my wife was in my passenger seat she was injured. this is my First car accident, my car is a total loss i have full cover insurance what do i do from here anyone can help

Register Now to have your Insurance queries solved.

PostPosted: Mon Oct 05, 2009 7:29 am   Post subject:   

I was In A car Accident i Hit A car from behind my wife was in my passenger seat she was injured. this is my First car accident, my car is a total loss i have full cover insurance what do i do from here anyone can help

Register Now to have your Insurance queries solved.

PostPosted: Tue Sep 07, 2010 11:32 pm   Post subject: Totaled Car  

My daughter had an accident and she was not at fault. Her car was totaled and the insurance company wants to pay cash value and NOT replace the car. Is that acceptable. I was under the impression that they had to at least replace my car and the amount they are offering will not replace it.

Register Now to have your Insurance queries solved.

PostPosted: Thu Sep 09, 2010 7:02 pm   Post subject:   

the insurance company wants to pay cash value and NOT replace the car. Is that acceptable. I was under the impression that they had to at least replace my car and the amount they are offering will not replace it.

Many people, unfortunately, have a misconception (your word is "impression') of what auto insurance is going to do in the event of a collision or other total loss. Unless you have a specially issued policy that places a specific value on an automobile, the standard policy language only promises ACTUAL CASH VALUE which is the same as saying, "We will pay the replacement cost of your particular make, model, and year of vehicle, MINUS all depreciation up to the moment before the event that destroyed the remaining value of the vehicle."

No auto policy promises replacement of the vehicle only. The words of the contract usually permit one of three alternatives: repairs, replacement with another vehicle of like type and quality, or actual cash value. Add to that the other qualifying language: whichever is less. You would probably prefer language "whichever is more", but insurance is not like Burger King . . . you don't get it your way.

Instead, most states' laws allow an insurer to "total" a vehicle when the cost to repair or replace exceeds just 75% or 80% of the actual cash value. Where disputes arise in a claim is over the determination of the ACV. They say it was worth $5000 and you believe it was worth $10,000. One or both will eventually have to agree to some other value.

The insurance company is acting within the law. The only question is: Are they offering your daughter a reasonable amount of money based on the ACV of the vehicle? You don't have to accept their first offer if you think it is too low. You can always make them show you the justification for their decision. If you can provide a different (higher) justification, they may agree to match that or will negotiate somewhere in between. Accepting any offer ends the insurer's obligation to perform.

The course of action you choose to take is up to you. You could even complain to the state's Dept of Insurance if you think the insurance company is abusing you. But it is not a matter at this point for some attorney to handle. That, in my opinion, would be a mistake


CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
Forum Expert
Leave a quick message

Forum Expert

Joined: 29 Nov 2009
Posts: 7888

Location: Pomona CA
107.57 Dollars($)

PostPosted: Sat Oct 23, 2010 3:51 am   Post subject: total loss vehicle accident  

My son was involved in a car accident with another driver who blew and tire and swerve into my vehicle. The other driver has insurance and is taking blame for the incident. The adjuster says my car is a total loss. I have a 2009 passat cc sport 1 year old.

Steal owe on the car. My son was taken to the emergency room with contrusion abrabsion, stiches etc. I also have gap insurance. How can I be compensated for my son injury and the inconvenice of not having a car.

Can I ask for a replacement car or request a comparable replacement. Thanks

Register Now to have your Insurance queries solved.

PostPosted: Mon Jan 10, 2011 5:27 pm   Post subject: purchase total loss car  

i want any car for total loss

Register Now to have your Insurance queries solved.
noordin momin

PostPosted: Tue Feb 08, 2011 2:27 am   Post subject: one time offer  

I was in a auto accident 1/05/2011 I was a passanger in a car and we were hit by an mack truck and now GEICO stated that they would give me a one time offer what does that mean I sent them the release form for my medical it has been 1 month now what is taken so long for them to settle I've lost 5wks off school ConfusedConfused

Register Now to have your Insurance queries solved.

PostPosted: Sun Jun 30, 2019 7:08 pm   Post subject: dating a russian girl  

BBC Three

The clock has well and truly run down on Tim's leave of stay in britain. Having discovered a letter from the house carefully filed by Ruth under the sofa cushion, Tim has just 48 hours before deportation looms. which has no job, No wife and no sponsor this indicates all hope is lost. Skyping Mom to sneak the news to her, Tim and the gang are stunned however when she inadvertently mentions that Tim has Welsh family. If his grandfather was British this really is just the ticket he's looking for. russian sexy girls Hot footing it to Wales to meet the family and find out more, Tim can't believe his luck after pull up at a grand old manor house. Not only might Tim be British but it is similar to he's also loaded! However after business meeting doddery old Great Uncle Thomas, Tim is confronted with the awkward truth that not only did Tim's grandfather renounce his British citizenship, But that he did so which will join the Nazi party. And developed old Unckie Tom is actually broke. With all avenues exhausted the gang say their fond farewells at edinburgh airport. At least Mom managed to turn the waterworks on at check in and they're flying back in first class style.

Register Now to have your Insurance queries solved.

PostPosted: Fri Aug 02, 2019 1:21 am   Post subject:   

Woman demands date compensate

RelationshipsdatingWoman sends date nasty texts over $176 food billA woman has been blasted online after she sent her date many texts slamming him as "impolite" For not purchasing her $176 dinner.

anna Duff

The effects of international dating on society might be much more profound than most people think.

But not everyone seems to agree with this concept as one poor man recently found out.

The man exposed his story on Reddit, Sharing screengrabs of a barrage of angry texts he experienced from colombian girls a woman he had been out with, the sun reports.

He asked if she wanted to have another date, To which she labelled him for not financing her dinner the first time round.

She actually thinks he is in the wrong for not paying. contemplate: RedditSource:Reddit

This was regardless that she ordered lobster wine that came to $176 (110 pounds) anf the paid $28 (17.50 euros) to buy carbonara and beer.

Bemused, the person hit back: asked me. are usually lucky you didn pay for my food too. the person added that he was student not your sugar daddy his date raged: Never seeing you ever again, is best pay for a girl food then why accept the invite.

ALWAYS pay for ladies food. this time, elements got nasty.

His great comeback at the end of the exchange almost makes pretty much everything worth it. concept: RedditSource:Reddit

The man claimed he stayed on the date due to the woman spoke about another guy, Before she said: You wanted anyway is to have sex with me. fine, enough, Bye loss. The conversing has caused outrage among Reddit users.

someone commented: Someone invites me out then I go because I want to see that person and could not expect a free meal. that would be selfish and entitled. authored: A girl and I always type in the mindset that I pay for my drinks/food with anyone. guy or girl.

Register Now to have your Insurance queries solved.

PostPosted: Tue Sep 10, 2019 1:00 am   Post subject:   

disillusioned online daters turn to matchmakers

rather risk taking pot luck online, Chief vip's, entertainers and politicians are among those paying thousands of dollars to matchmakers to discreetly and vet the perfect partner.

The old days you had your relatives, Or in some societies an actual matchmaker, wanting to find someone for you, Said dating whiz Mary Balfour.

People have a personal matchmaker in the same way they would have a personal trainer, She said at her Drawing Down the Moon agency working in london Adam and Eve Mews.

The stigma of online dating has waned since online dating sites sent thunderbolts flying in the world of romance and revolutionized the spain girls way people found partners.

online sites now abound for straight, gay and lesbian, judaism, sterling, Disabled or uniform daters, But figures show a large chunk of those looking for love on line are disillusioned.

Many people have had nightmare experiences with people misrepresenting themselves, cited Christie Nightingale, crucial of New York based Premier Match LLC.

Nightingale said about 80 percent of her clients had tried online dating before coming to her with problem reports.

The online dating service industry is lucrative, Reeling in about $500 million in north america and about 160 million euros ($203 million) In Europe last year, announced JupiterResearch.

A survey trapped on video tape by Pew Internet and American Life Project found that about 16 million Americans had used an online dating web site.

But while 52 percent said they had mostly positive things, 29 percent reported negative has.

proportionate amount of men I met online were absolute freaks. I don think any of these were the mad axe man type, But if you met them any place else you wouldn touch them with a barge pole, Said London looking after manager Joanna Haworth, 36.

Might have used photos from three years ago when they were three stone lighter. One man spent all the time system his ex wife. He was still desperately crazy about her

DON MENTION THE EX Showing off an album full of wedding stationery from former clients, Balfour said her matchmaking service had taken off in the past year for clients willing to shell out up to 8,000 body weight ($15,000) with the hope of a ending

Her agency employs a team of women to scour social and business events for decent matches.

Nightingale hand outs a list of and don to her clients before they head off for dates such as turn off your cell phone and don discuss former partners. Matchmakers who charge up to $25,000 also organize makeovers and liaison coaching for clients.

Disenchanted with online dating services and keen to put as much effort into finding a partner as he did to his career, Los Angeles product designer Bill Conley enrolled in relationship seminars at matchmaker Julie Ferman Cupid Coach agency.

Angeles is the temple of the external look. Everyone does a good job of hiding themselves under it a lot of gloss, Expensive clothes and plastic surgery, documented Conley.

Matches you more on a a unique character level, It not scientific, It more of a regular matchmaking role. I informed her a lot about myself, stuff were important to me, He contributed.

Universally people misrepresent themselves in online dating service personals, discussion what you getting. I found I was chatting with someone who became in a cybercafe in Nigeria and tried to squeeze me for $300, identified Conley, 42.

Register Now to have your Insurance queries solved.

Quick Reply
Your Name
Message body
All times are GMT
 Previous  1, 2
Page 2 of 2

Get a Quote
Ask Community Experts

flash plugin

Quick Links

Must See


Hot topics in forums

Latest in blogs

    Connection Error: Connection refused