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Hi I am Lori and I have 8173 posts.My Last Activity:18 Oct 2010 01:55:32 PM




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Message (172)  | My Fan (34)
remy1243
remy1243
2 weeks, 1 day, 13 hours, 9 minutes, 59 seconds ago.

I need to file a complaint about Forestors term life insurance, but do not know where to file
jdfloatin2003
jdfloatin2003
1 month, 3 weeks, 6 days, 21 hours, 38 minutes, 40 seconds ago.

Hi,
I posted my situation (December 6th) in hopes you would respond. I am in Missouri.


Ron Hearon
5 months, 1 week, 2 days, 20 hours, 22 minutes, 40 seconds ago.

I plan on invoking the appraisal clause in my policy.In trying to establish a value for my vehicle, I have sent state farm a listing of multiple vehicles that are comprable to mine and visited all the valuation sites available (edmunds, NADA, KBB, Auto Trader etc)I would like some guidance as to what other sources I could use to value a 2003 Avalon XLS, moon roof, power and leather seats, V6, heated mirrors, Premium Sound.I can be reached at arrzrbck@yahoo.com or 479-582-9384.I look forward to hearing from you.Peace be with you,Ron Hearon
Nicholas_peters_
Nicholas_peters_
1 year, 2 months, 2 weeks, 9 hours, 17 minutes, 45 seconds ago.

Hi Lori,
What exactly does a claims or case adjuster do? I usually have no fault and worker's comp cases to verify insurances with and have no idea what goes on or anything with it..

thanks
gertes
gertes
1 year, 2 months, 2 weeks, 1 day, 6 hours, 14 minutes, 12 seconds ago.

In regard to home insurance against fire, flooding, etc., a deductile in the Philippines is understood in two ways.

And I really don't know which one is the really correct way, but someone is making a kill using one way than the other to save money for the insurer.


Here, let me explain:

When your house is insured by the insurance company say for 3 million pesos (one US$ = roughly more or less 43 pesos today), like with each of my two homes, the adjusters employed by the insurer take out 2% from 3 million which is 60,000 pesos, and then when he has already computed how much the insurer will pay you -- which of course is less than 3 million, he will deduct 60,000 from that computed amount arrived at by him which is to be payable to you by the insurer.

Now, I got another adjuster to work on the payable amount by the insurer, this adjuster first computed how much the insurer has to pay me which of course is less than 3 million, then he deducted 2% of this amount from this same computed amount, which then will be the final payable amount by the insurer.


I am asking the people here who are into loss adjustments, do you have such a double dealing way in your practice here?

See my message in another board where I have a long thread on home insurance loss adjustment, but placed wrongly in the auto insurance board,

http://www.ampminsure.org/start/about14697-2.html.

Go to the last message from me there todate.


The way I see it, the adjusters employed by the insurer are into dubious procedures; but I cannot be sure as to the present time which one is really the correct way, or both ways are correct, which is altogether unacceptable to any reasonable person.

How is it understood in the US?


Gertes aka Ergyr
MaxHerr
MaxHerr
1 year, 3 months, 1 day, 21 hours, 57 minutes, 22 seconds ago.

Still waiting to hear from you -- is everything OK?
InsInvestigator
InsInvestigator
1 year, 3 months, 1 week, 6 days, 16 hours, 9 minutes, 48 seconds ago.

Hi Lori, I haven't been around in a while and wanted to say "Hi"
harveygurl29
harveygurl29
1 year, 3 months, 2 weeks, 3 days, 7 hours, 23 minutes, 26 seconds ago.

So Lori u r saying if my best friend of 44 years left me 5% of her insurance policy her greedy mother can stop me from getting it when she got 90% as she should have.
FindYourPolicy
FindYourPolicy
1 year, 4 months, 1 day, 14 hours, 32 seconds ago.

Hi Lori, This is Michael Hartmann from FindYourPolicy.com. For some reason I cannot log in to send you a message. There is someone again using an old post of mine to write rediculous stuff. It is Free Registration of life insurance and somone is constantly entering stuff they should not be. Could you please close that blog also.
Thanks Michael
Rupert
Rupert W Bradson
1 year, 4 months, 1 week, 3 days, 7 minutes, 45 seconds ago.

Dear Lori, I'm forwarding a link where you'll find SD's query..
http://www.ampminsure.org/start/about14423.html
You're probably the right person to help her! Thanks- Rupert
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Welcome to Lori's space


Member Since: 10 September 2007My Last Activity:18 Oct 2010 01:55:32 PM
Location: Missouri
Occupation: Senior Claims Adjuster/Physical Damage Specialist.


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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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Join Date: 10 September 2007
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Total Posts: 8173
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