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 Posted: Mon Feb 22, 2010 4:20 pm Post subject: Car claim |
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I purchased a car on the 09/01/10 crashed it on 19/01/10, the car was a total loss and I have a receipt fropm the garage i brought it from for £2765.00 and they offered me £1600.00 can I take them to court and sue for the difference??
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dbdbd12
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| Posted: Mon Feb 22, 2010 5:56 pm Post subject: |
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No, but you can challange the settlement amount. Do you even know what your vehicle is worth?
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| Posted: Mon Feb 22, 2010 8:18 pm Post subject: Theft Claim |
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Back in August my husband's job trailer was stolen from in front of our home. We lost close to $55k in tools and equipment. We had a commercial policy with our insurance agency but when we made the claim were told that the contents of the trailer were not covered, only the trailer itself. We tried to file the claim with the help of our agent through our home owner's policy and have been told that they will only cover $2500 worth of the loss because the items, while purchased for personal purposes were also used for business purposes. We have asked our commercial agents in the past, more than once, about making sure our contents were covered but they would never provide us with a quote. So now we seem to be stuck with a huge loss of items and money that have taken us 10+ years to accumulate and no one seems to want to help us. Is there anything to be done?
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Brooke
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| Posted: Mon Feb 22, 2010 8:34 pm Post subject: |
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| Quote: | | while purchased for personal purposes were also used for business purposes. |
I don't see why that would make any difference.
| Quote: | | We have asked our commercial agents in the past, more than once, about making sure our contents were covered but they would never provide us with a quote. |
I'm sure now you can understand how important that information would have been had you obtained it. I am sure that is frustrating.
| Quote: | | no one seems to want to help us |
It's not that they don't want to help you, it's the fact that you apparently do not have adequate coverage. |
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Trench
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| Posted: Mon Feb 22, 2010 8:58 pm Post subject: Theft Claim |
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So should we still let our attorney look at the claim or are we just stuck? I know we shouldn't have only relied on the agents to make sure we have the appropriate coverage but it would seem to me that that is their job. Frustrating!
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Brooke
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| Posted: Mon Feb 22, 2010 11:55 pm Post subject: |
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| Quote: | | So should we still let our attorney look at the claim or are we just stuck? |
You could, but what good would that do? You didn't have the appropriate coverage, so there isn't much he/she is going to be able to help you with.
| Quote: | | I know we shouldn't have only relied on the agents to make sure we have the appropriate coverage but it would seem to me that that is their job. Frustrating! |
I'm sure it is. However, you are just as responsible to know what is in your coverage. |
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Trench
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| Posted: Mon Mar 01, 2010 7:28 pm Post subject: suing my insurance for not letiting me keep my dog |
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How can I tell my insurance that I want to keep my dog and tell them that not all dogs are dangerous. Like how you assume they are.
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Cutiepie
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| Posted: Mon Mar 01, 2010 7:53 pm Post subject: |
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| Quote: | | How can I tell my insurance that I want to keep my dog and tell them that not all dogs are dangerous. Like how you assume they are. |
It's not about _your_ dog... it's about the bred in general. Statistics have shown insurance companies that some dogs are more likely to injure people. With something like this I doubt very much your carrier would make an exception. You can feel free to make the case to your agent and/or obtain insurance through someone else. |
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tcope
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| Posted: Mon Mar 15, 2010 7:20 pm Post subject: suing insurance company |
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I was in a accident, the guy that rear ended me has NO INSURANCE. I have uninsured motorist coverage to the tune of $25,000 per person and $50,000 per accident. I went to the hospital via ambulance and have excruciating pain and numbness of my left arm/hand and jaw, kids have concussions, and I want to be compensated, medically, lost wages, and pain/suffering. Can I get the full amount of $125,000 for myself and 2 kids in accident? Not to mention that my car is a total loss and was 10 months from being paid off. If anyone knows feel free to email me at dictateyours@aol.com.
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NeedLegalHelp
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| Posted: Mon Mar 15, 2010 9:25 pm Post subject: |
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| Quote: | | Can I get the full amount of $125,000 for myself and 2 kids in accident? |
Only if your injuries warrant such a payment. A person who has a scratch on their finger is not going to be paid $25,000 as a settlement. Someone with a bruised lung and kidney damage is probably going to get paid that amount. 25/50 means the most that is paid on any one accident is $50,000... so that is the most that would be paid toward injuries on this claim. It's $25,000 per _person_ and $50,000 per _accident_.
You'd need collision coverage to address your vehicle which you should have if you are still making payments. |
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tcope
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| Posted: Tue Mar 16, 2010 2:43 am Post subject: Uninsured Motorist |
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Hi, me again, my above post was about the uninsured motorist. So basically whether my kids and myself sustain 400,000 dollars in medical issues, etc. my company is going to pay a MAX of $50,000 period? Even if 3 people were in accident, it means the MAX is $50,000 to include medical reimbursement, lost wages, physical therapy, pain and suffering, and all? I realize collision will pay for the car, but am wondering about the rest. Also do you know if the hospital, ambulance etc. will be paid by my BCBS insurance first? Or does your health insurance company expect car insurance company to pay first then they pick up whats left? And how will they know when they are billed by the hospital and ambulance company? Thanks for all your help, I'm lost.
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NeedLegalHelp
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| Posted: Tue Mar 16, 2010 3:18 am Post subject: |
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| Quote: | | my company is going to pay a MAX of $50,000 period? |
Correct. You elected to have $50k in coverage per accident. | Quote: | | I realize collision will pay for the car, but am wondering about the rest |
The rest as in...? Your injuries? This are considered under your UMBI coverage as mentioned.
Your health carrier may pay the bills up front but they have a right of recovery against you being paid for those bills. | Quote: | | nd how will they know when they are billed by the hospital and ambulance company? |
The hospital bills/notes will state that its from a car accident.
You may have to pay back your health carrier, it depends on your state. Some allow you to double dip (collect from them and your auto carrier for the same medical bills). |
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tcope
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| Posted: Thu Mar 18, 2010 5:52 am Post subject: legal queston? |
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my insurance company failed to send in my sr-22 reportive insurance to the secretary of state, so my license was suspended, is that grounds to file a lawsuit?They admitted over the phone that it was they're fault and i have papers showing that i have missed no payments.
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john c
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| Posted: Thu Mar 18, 2010 5:33 pm Post subject: uninsured motorist |
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I was reading the above persons post. What they may not know is that some states (mine is Alabama) allows you to "stack" UM coverage. I am currently fighting almost the same scenario. My UM coverage was 25/50 but has 2 cars on the policy so my max allowable is $100,000. She may need to look into this. With 2 kids with concussion and her with numbness and lost wages, etc. I'd say she'd meet the claim of $100k EASILY for pain and suffering alone. Keep in mind though, that IF you get an award settlement, your health insurance probably will come after you to collect. I hope this helps, and feel free to correct me if I'm wrong, but first I'd find out if you live in a stacking state.
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Any help?
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| Posted: Thu Mar 18, 2010 8:38 pm Post subject: |
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| Quote: | | allows you to "stack" UM coverage |
_Very_ good point! There are many, at least a few, states that allow stacking of UMBI coverage. |
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tcope
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