http://backend.userland.com/rss092 http://www.ampminsure.org/rss/community.xml lakemen@ampminsure.org Sat, 17 May 2008 10:44:28 GMT en-us http://www.ampminsure.org/manage/inclusion-responsibilities.html http://www.ampminsure.org/manage/inclusion-responsibilities.html My 87-year-old mother owns two cars..one in Florida and one in NH, because she spends time here and in Florida. My question is..my name is on the car insurance in Florida because I had to co-sign for her loan, and it is also on the New Hampshire car because that car is registered in my name, but the insurance is in her name...actually my name is on the auto insurance policy for both of these cars, along with hers. My question is that if she gets into an accident and is found to be at fault, will I also be held responsible....and if the accident should cause the death of someone else can I also be held responsible even though I was not driving the car? http://www.ampminsure.org/claims/nc-adjuster.html http://www.ampminsure.org/claims/nc-adjuster.html Quick summary, I’m stopped at a red light getting ready to go. An old lady slams into the back of my car even before I get a chance to get my foot off the break. It’s the middle of the night, and she didn’t even have on her lights. It’s me and my daughter in the car, and I am pregnant. I go to the hospital, not in an ambulance, my husband drove me in his own car. Which I guess was a mistake. We get to the hospital and go to triage. They can’t find the baby’s heart beat. They sit us for waiting room for 2 hours while we think our unborn child is dead. They finally bring us in and check for the heart beat and find it. They do some test, but do not do an ultra sound. And I never actually see a doctor just a Nurse Practitioner, which turns out is another mistake. After the hospital I go to the orthopedic. He can’t do anything because I’m pregnant. He gives me a neck brace recommend a chiropractor, which is another mistake or so I hear. I loose my job because I am part time 25 hours a week, and they only give you a week to be out for injury. I get appropriate documents from the chiropractor saying I can’t work. I get fired anyway. The damage to the car was $4,000, the frame was bent because she hit me so hard. Now I calculated medical bills, lost work wages up to a month before I gave birth, because I would have been taking leave anyway for pregnancy, and 3 times medical bills for pain and suffering. I came up with a reasonable amount of $15,500. Not including the car repairs they paid that already, and gave me $700 for depreciation. The insurance adjustor’s first offer was a spit in my face of $4,000, which didn’t even cover lost work. I laughed and hung up and called back a couple days. He offered me 8k which is still not satisfactory for me. I am willing to settle for $12,500, but he won’t budge. I contacted several lawyers and an insurance adjuster that is my friend. I submitted paper work to all of them and their estimates are 20-30k, but I call other lawyers I call say settle for the 8k. I don’t want to sign up with a lawyer; I just want what is due to me. I don’t want to price gouge them, I explained that to the adjustor, but he basically blows it off like of just go ahead and call a lawyer I don’t care. I would call a lawyer and I still probably will have to hire one, but I just don’t want to wait, I need the money as soon as possible to pay late bills due to the accident. Why doesn’t this adjuster just realize that if he settles with a reasonable amount with me, he could save his company money, instead of pushing me to a lawyer? I actually called up a local lawyer and mentioned the name of the adjuster that is dealing with my case, and he knew the adjuster by name, and based on that refused to take my case because he knew he was a hard ass. So that leads to another question, can I get my adjuster changed? I also talked to the adjuster’s supervisor as one last attempt to reason with them and no luck. Does anyone know any good lawyers in Greensboro, NC? What about those commercials for like Lewis and Daggit? Please Help http://www.ampminsure.org/claims/accident-settlement.html http://www.ampminsure.org/claims/accident-settlement.html Hi! I am hoping someone can help me on this! I was involved in an accident on Dec. 1 07. I was rearended by a Hummer going approx 45 mph. My minivan had approx 11,500 in damage (it is a custom 07 Sienna) and I had a rental car for 12 weeks. After the accident, I had to take my 4 kids (ages 6,4, 2, 6 mths) to the er and then one to the pediatrician 4 days later. Two were treated with whiplash and had chiro for about 5 months. Medical bills totaled 2950. Lost wages to take the kids were approx 680, diminished value on my vehicle is about 4K. They also didn't pay the car rental bill for 6 weeks and it was charged to me so I paid an over the limit fee and lost my 0% promotional rate due to default (even though the charge has been reversed.) The insurance company offered me a settlement of 2,150 and then they were going to pay the 1500 of chiro (there is a lein and that is included in the 2950) I told them I was looking for around 16300 (four times medical bills, 4K in diminished value, lost wages and over the limit fee.) Am I asking too much? They told me I was being unreasonable and that Missouri doesn't recognize diminished value. My insurance company says they do. What is a fair settlement amount? http://www.ampminsure.org/start/trimming-business-insurance.html http://www.ampminsure.org/start/trimming-business-insurance.html we have a tree trimming business and want a quote on how much insurance would be for a yr http://www.ampminsure.org/claims/expired-license.html http://www.ampminsure.org/claims/expired-license.html Hi There, I was wondering what would happen if a driver, who had an expired liscence, got into an accident. (In California) Would insurance cover the driver if it is not his/her fault? If it was his/her fault? Would they be personally liable for any injuries of the other driver? What if the other driver sued them? I suspect someone in my family is driving with an expired liscence, and I am trying to do as much research into this as possible, to present to them exactly why they shouldn't be doing this. Thanks for your help! http://www.ampminsure.org/manage/pet-injury.html http://www.ampminsure.org/manage/pet-injury.html Ever noticed that big beautiful black lab in the back of the pickup next to you in traffic? Did you ever wonder what would happen to the dog if suddenly the driver had to slam on his brakes? Statistics show that out of the over 70 Million dog owners in the U. S., approximately one third of them drive with their dog in or on the vehicle. Auto insurance companies are beginning to realize this and companies, like Progressive, have added a andquot;Pet Injuryandquot; benefit to the Collision coverage in an auto insurance policy. Do you know anyone who has purchased andquot;Pet Injuryandquot; coverage and what do you think about it? Maze http://www.ampminsure.org/claims/lien-payment.html http://www.ampminsure.org/claims/lien-payment.html Hello, I understand that if I file a claim for the damage a storm did to my vehicle, and there is a loss, the insurance company (as long as I have comp coverage) will issue a claims check. And if the vehicle's title is held by a bank, the check will likely include ME AND TEH LIENHOLDER, or ME AND THE BODYSHOP. Well...what if they issued the check in my name ONLY? Here are my questions: 1. If I decide to cash the check and use it entirely to pay down my loan balance, could this come back to bite me? 2. If I used this check for a family emergency, or really anything BESIDES the damage of the vehicle, could this come back to bite me somehow? 3. Are there any risks in using the claims check NOT for what it was issued for? http://www.ampminsure.org/claims/car-medical.html http://www.ampminsure.org/claims/car-medical.html I went to emergency room, and I was billed for 850.00 I did not have medical ins. http://www.ampminsure.org/start/teenager-nonowner.html http://www.ampminsure.org/start/teenager-nonowner.html Can you apply for non owner auto insurance if you are 18 years of age trying to obtain a drivers license? The vehicle that will be used will be one of the parent or sibling car not my own. http://www.ampminsure.org/claims/totalled-issue.html http://www.ampminsure.org/claims/totalled-issue.html My sister was involved in an auto accident almost 2 weeks ago. She was hit from behind by a NJ guy who was following too closely. He received a citation in the accident. My sister has just found out that her car was a total loss. Now what does she do? She owes about $14,000 on the car and it was only 2 years old. Help!!! I need some advice. Neither of us have ever been through this type of issue before.