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 Posted: Wed Dec 30, 2009 12:59 am Post subject: |
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| Quote: | | Have boyfriend put on his big boy pants, and pay this vehicle off... |
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Trench
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| Posted: Sun Jan 03, 2010 11:18 pm Post subject: |
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| sue them if they are not fulfilling what they promise. |
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saferoad
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| Posted: Mon Jan 04, 2010 1:33 am Post subject: |
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| Quote: | | believe me insurance companys do not deny claims without having all their "ducks in row" |
MMR, no... but I see adjuster deny claims all of the time when they should not be denied. Perhaps not in the case but it does happen.
Had a carrier deny a claim when their insured rear ended my insured and then got out and ran away. They denied it as a crime/hit and run. Huh... the "running" part did not happen until after the damage was done. It had nothing do to with the accident it self. Pretty bone headed denial. They later reconsidered the claim and paid.
Have another (not the same, I agree) where the general contractors carrier is denying the claim as their sub contractor (they say) would be at fault. Another bone headed denial as if the sub contract is at fault... then the contractor _is_ at fault (they are responsible for the actions of the people they hire... granted they can tender the claim... but they are going to be held responsible). Kind of OT but I just wanted to point out that some adjusters don't have a clue.
Again, denying a claim for MMR usually goes _way_ up in the company so it's far less likely that the denial is incorrect. |
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tcope
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| Posted: Mon Jan 04, 2010 12:59 pm Post subject: |
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I agree some bone-headed negligence denials come down the pike from time to time, but as Tcope said OP, NEVER on the voiding of a policy for material mis-rep..an adjuster cannot do this without A LOT of management back up..
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Lori
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Location: Missouri
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| Posted: Mon Jan 11, 2010 11:45 pm Post subject: cancelled insurance |
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I had homeowners and auto insurance with state farm. My son also had his own policy with state farm. My son's driving record is not great. State farm threatened to cancel my policy if my son continued to live with me. My son could keep his policy but mine would be cancelled. I purchased other auto insurance for myself and put it in writing to state farm. I cancelled my policy. Today my son received a refund check from state farm along with a cancellation notice. His insurance was cancelled back on December 22, 2009 which meant my son had been driving without insurance. state farm claim it was per my sons request. My son never requested his insuance be cancelled. Staye Farm screwed up and now they are refusing to reinstate my son's insurance. My son is going to miss work as he has no insurance. My son was not given 30 days notice and was wrongfully cancelled. what can we do?
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jmg5664
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| Posted: Tue Jan 12, 2010 12:26 am Post subject: |
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| Quote: | | My son was not given 30 days notice and was wrongfully cancelled. what can we do? |
Has your son been involved in any accidents since 12/22/09? You can raise the argument with SF that the policy should have never been cancelled. If they reinstate they will need that money back as well as any monies to keep the policy active. Your other choice is to take that money refunded and put it toward insurance from now and into the future. There might be some implications of SF reporting that you did not have insurance for 3 weeks, I cannot say for sure if this would be the case. Otherwise your son will have saved premiums on 3 weeks of insurance. |
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tcope
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| Posted: Wed Jan 13, 2010 11:58 am Post subject: |
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I think clearly they canceled the wrong policy. Hopefully you still have a copy of the letter you sent that referenced your policy number. Along with his cancelation letter that references HIS policy number, (they are different correct?). In this case I'd present this to them and give them exactly ten days to reinstate my boys policy, if they refused I'd prompty file a complaint with my states dept of ins.
Of course as T said, you'll have to give all the money back, but I doubt that's an issue.
Whatever you do don't let that boy drive his car, until he has coverage...Either get it somewhere else or park that car. As to missing work, there are ALWAYS other alternatives to getting to work if someone wants to get to work bad enough. 
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Lori
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| Posted: Sat Jan 23, 2010 2:39 pm Post subject: Suing Insurance company |
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Hello.
Can you tell me what are the exact forms, at what court I need to file an Insurance company that refuse to pay up the full policy limit with a ridicules reason?
Thanks.
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Nomad108
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| Posted: Sat Jan 23, 2010 2:50 pm Post subject: |
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What's the reason? |
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Trench
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| Posted: Sat Jan 23, 2010 11:14 pm Post subject: |
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I seriously doubt you can file suit alone, (without an attorney) unless you just want to file in small claims court..What limit? What loss? and (as trench asked) What reason?
I 'think' that ridicules-is "Herk's" sister..
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Mon Jan 25, 2010 5:40 am Post subject: |
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I had an insured file suit for a $225,000. house fire that was denied. Not sure what his legal knowledge was, but his filing on the surface appeared to be professional. Once you read it, you could find errors all over the place. He was filing against the insurance company, my company and me as well as his business partner, mortgage company and a broker. In one suit, he was trying to collect on his loss as well as from his partner for bad busniess dealings and the mortgage company since they foreclosed on him. This thing got kicked back to him at least 3 times and then finally everyone was released from the suit except the insurance company, who in the end defended the case and the guy got nothing.
If you have to ask what forms to fill out, you may want to find an attorney.
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Dasfuk
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| Posted: Thu Feb 04, 2010 5:09 am Post subject: motorcycle/car accident |
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I was involved in a car accident in May 08, and as a result I received multiple injuries. I was a passenger on the mc that had full coverage and the guy that hit us was ticketed for making an illegal u-turn causing the accident. His insurance company paid the policy limit but I personally had no insurance which two surgeries later I have not received a dime bc the medical bills are costly. I hired a lawyer and was told that I was only entitled to the policy limits and now I have to sue my sisters umi coverage to get more money. The state of the accident is SC, the guy that hit us is from NC, and the mc driver is from GA, there is some kind of off-set amount that kept me from using the mc policy. What can I do, I am currently still in PT and will be thru May 10, am I entitled to any more money.
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delores
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| Posted: Thu Feb 04, 2010 5:47 am Post subject: |
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| Quote: | | I was involved in a car accident in May 08, and as a result I received multiple injuries. I was a passenger on the mc... |
You've posted this in 2 other threads... I don't think you need to add a 3rd here. |
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tcope
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| Posted: Sat Feb 20, 2010 3:57 am Post subject: |
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I live in Maryland, and was living there during the big snowstorm in early 2010. I rent in the downtown area of a city in Maryland, and do not have a garage to park in, so I had to buy a resident parking permit to park on metered streets. I parked my car there overnight, and during the snowstorm, a really old tree with huge un-pruned branches extending over the street fell, due to a lot of snow on the branch. The branch smashed the top of my car for a total loss. The insurance company says that since I had not complained about the tree before, they were not responsible. I say that city property (the tree) hitting my property (the car) on city property (the street) while I pay to park there (resident parking permit) entitles me to damages. What do you think?
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Paul B.
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| Posted: Sat Feb 20, 2010 4:33 am Post subject: |
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| Quote: | | I say that city property (the tree) hitting my property (the car) on city property (the street) while I pay to park there (resident parking permit) entitles me to damages. What do you think? |
I say, good luck.
If the limb just fell _and_ you could show that the city should have known that it was going to fall, yes. But a snow storm such as the one you mentioned should have not indicated that the one branch you mentioned was going fall. In that all of those things you mentioned are owned by the city does not matter... they don't owe to protect everyone at all times on their property. What you need to show is that they should have known that all of that snow was going to accumulate on the limb and as such, the limb was going to fall. Of course, you then need to show that they had ample time to correct the problem and did not do so.
As mentioned above... good luck. It's just not going to happen.
If I walk onto your property during a tornado and a limb falls and hits me in the head are you going to pay for all of my medical bills out of your pocket? Same situation. You would have done nothing wrong. |
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tcope
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