Comments for Insurance Data Resources http://www.idrwc.com Just another WordPress weblog Wed, 08 Sep 2010 18:59:51 +0000 http://wordpress.org/?v=2.9.2 hourly 1 Comment on How can I file an effective insurance claim? by sylvan22003 http://www.idrwc.com/how-can-i-file-an-effective-insurance-claim/comment-page-1/#comment-151 sylvan22003 Wed, 08 Sep 2010 18:59:51 +0000 http://www.idrwc.com/how-can-i-file-an-effective-insurance-claim/#comment-151 there is a lot of pitfalls when it comes to filing an effective insurance claim you want to ensure that your claim is watertight and the insurers will pay out for what you are actually claiming for, you need to avoid DIY and seek professional help, there are people around who will compile your claim form for a small fee, the trick is they know what the insurance assessor are looking for when they arrive at your home to inspect your claims, they also know how to word the document to ensure you get the highest possible settlement you must ensure you have enough photographs to support your claims it is paramount there is a lot of pitfalls when it comes to filing an effective insurance claim
you want to ensure that your claim is watertight and the insurers will pay out for what you are actually claiming for, you need to avoid DIY and seek professional help, there are people around who will compile your claim form for a small fee, the trick is they know what the insurance assessor are looking for when they arrive at your home to inspect your claims, they also know how to word the document to ensure you get the highest possible settlement you must ensure you have enough photographs to support your claims it is paramount

]]> Comment on How can I file an effective insurance claim? by lucy http://www.idrwc.com/how-can-i-file-an-effective-insurance-claim/comment-page-1/#comment-150 lucy Wed, 08 Sep 2010 18:51:10 +0000 http://www.idrwc.com/how-can-i-file-an-effective-insurance-claim/#comment-150 you do not state if this is your insurance company or a 3rd party if 2 vehicles involved and not at fault. for your car; both companies pay to either repair your car or the value of your car pre-accident. if totaled, they pay Actual Cash Value (ACV). So say you have a car loan of $5K and your car's ACV is $4K, that is all they can pay and you would owe your lien holder $1K balance on your loan. If it is your own insurance, they will deduct your deductible for repairs or totaled. The insurance always pays what they owe; no more, no less. If a repair shop says your car can be repaired for $1,500, they they pay $1,500; if on your policy, they will pay $1K if you have a $500 deductible. If you have rental, they will pay for this per your policy while in the shop for repairs or if your car is un-drivable until they either repair or settle if your car is totaled. you do not state if this is your insurance company or a 3rd party if 2 vehicles involved and not at fault.

for your car; both companies pay to either repair your car or the value of your car pre-accident. if totaled, they pay Actual Cash Value (ACV). So say you have a car loan of $5K and your car’s ACV is $4K, that is all they can pay and you would owe your lien holder $1K balance on your loan.

If it is your own insurance, they will deduct your deductible for repairs or totaled.

The insurance always pays what they owe; no more, no less. If a repair shop says your car can be repaired for $1,500, they they pay $1,500; if on your policy, they will pay $1K if you have a $500 deductible.

If you have rental, they will pay for this per your policy while in the shop for repairs or if your car is un-drivable until they either repair or settle if your car is totaled.

]]> Comment on How can I file an effective insurance claim? by amin http://www.idrwc.com/how-can-i-file-an-effective-insurance-claim/comment-page-1/#comment-149 amin Wed, 08 Sep 2010 18:07:22 +0000 http://www.idrwc.com/how-can-i-file-an-effective-insurance-claim/#comment-149 First you can't be paid more than 75% of the insured value. Next, you have to pay an excess of say 15% of the insured value. The garage where your vehicle will be taken will have to be the one that is registered with the Ins. Co, as they are aware of the requirements of the replaced parts regulations and it is the garage which will be required to produce all the expense vouchers and not you. You have to be satisfied with the work they would have carried and it remains your onus to accept and give a satisfactory note. The insurance company's underwriters do know all the loop holes and I would advise you remain satisfied that atleast your car will be repaired to a max. perfection at the cost of the insurance company!! hope this helps... First you can’t be paid more than 75% of the insured value. Next, you have to pay an excess of say 15% of the insured value. The garage where your vehicle will be taken will have to be the one that is registered with the Ins. Co, as they are aware of the requirements of the replaced parts regulations and it is the garage which will be required to produce all the expense vouchers and not you. You have to be satisfied with the work they would have carried and it remains your onus to accept and give a satisfactory note. The insurance company’s underwriters do know all the loop holes and I would advise you remain satisfied that atleast your car will be repaired to a max. perfection at the cost of the insurance company!! hope this helps…

]]> Comment on How to claim renters insurance? by life insurance http://www.idrwc.com/how-to-claim-renters-insurance/comment-page-1/#comment-144 life insurance Wed, 01 Sep 2010 05:26:35 +0000 http://www.idrwc.com/how-to-claim-renters-insurance/#comment-144 Renter’s insurance is a must-have for apartment dwellers and anyone else who rents his or her home. A good renter’s insurance policy will protect your belongings in the event of fire, theft, vandalism, etc. Your policy will also provide liability coverage if you are at fault for any injuries or damage to others or their property. Though many renters have such insurance policies, very few actually know how to go about filing a claim. In the event that disaster strikes and you need to file a claim, here is how you should go about it. Renter’s insurance is a must-have for apartment dwellers and anyone else who rents his or her home. A good renter’s insurance policy will protect your belongings in the event of fire, theft, vandalism, etc. Your policy will also provide liability coverage if you are at fault for any injuries or damage to others or their property. Though many renters have such insurance policies, very few actually know how to go about filing a claim. In the event that disaster strikes and you need to file a claim, here is how you should go about it.

]]> Comment on How to claim renters insurance? by berningme http://www.idrwc.com/how-to-claim-renters-insurance/comment-page-1/#comment-143 berningme Wed, 01 Sep 2010 04:39:02 +0000 http://www.idrwc.com/how-to-claim-renters-insurance/#comment-143 It depends on your policy. Call your agent to find out for sure. Some policies will cover your personal property for human caused damages (Depending on your state) Minnesota allows an insurance company to drop a policy holder if they have two or more human related claims within a three year time frame. So you may want to just pocket the expense if you have had a previous claim or don't want to take a chance of another claim that would cause you to be canceled. The best way to know is to call your agent! It depends on your policy. Call your agent to find out for sure. Some policies will cover your personal property for human caused damages (Depending on your state) Minnesota allows an insurance company to drop a policy holder if they have two or more human related claims within a three year time frame. So you may want to just pocket the expense if you have had a previous claim or don’t want to take a chance of another claim that would cause you to be canceled. The best way to know is to call your agent!

]]> Comment on How to claim renters insurance? by acermill http://www.idrwc.com/how-to-claim-renters-insurance/comment-page-1/#comment-142 acermill Wed, 01 Sep 2010 03:44:56 +0000 http://www.idrwc.com/how-to-claim-renters-insurance/#comment-142 Damages caused by those in your household will not be covered under your renter's insurance policy. You would need a specific 'laptop insurance policy' for such coverages. This repair will have to come out of your own pocket. Damages caused by those in your household will not be covered under your renter’s insurance policy. You would need a specific ‘laptop insurance policy’ for such coverages.

This repair will have to come out of your own pocket.

]]> Comment on How do I claim life insurance? by Robert http://www.idrwc.com/how-do-i-claim-life-insurance/comment-page-1/#comment-137 Robert Tue, 24 Aug 2010 14:54:37 +0000 http://www.idrwc.com/how-do-i-claim-life-insurance/#comment-137 You can’t claim the insurance money till he has passed away and yes you will have to be aware of it. At which point you can call them up, it takes some time, several weeks at least before you’ll receive any money. You can’t claim the insurance money till he has passed away and yes you will have to be aware of it. At which point you can call them up, it takes some time, several weeks at least before you’ll receive any money.

]]> Comment on How do I claim life insurance? by mbrcatz http://www.idrwc.com/how-do-i-claim-life-insurance/comment-page-1/#comment-136 mbrcatz Tue, 24 Aug 2010 14:37:54 +0000 http://www.idrwc.com/how-do-i-claim-life-insurance/#comment-136 Once he's dead, you call the insurance company and ask them to send you the claim forms. You fill them out, and turn them in with a copy of the death certificate. The beneficiary gets paid. If you are not the policy owner, then you do not control who is the beneficiary. If you're asking, how will you know when he dies, well, if you're not in contact with him or any of his family members, you won't know. Once he’s dead, you call the insurance company and ask them to send you the claim forms. You fill them out, and turn them in with a copy of the death certificate. The beneficiary gets paid.

If you are not the policy owner, then you do not control who is the beneficiary.

If you’re asking, how will you know when he dies, well, if you’re not in contact with him or any of his family members, you won’t know.

]]> Comment on How do I claim life insurance? by dustoff http://www.idrwc.com/how-do-i-claim-life-insurance/comment-page-1/#comment-135 dustoff Tue, 24 Aug 2010 13:59:32 +0000 http://www.idrwc.com/how-do-i-claim-life-insurance/#comment-135 Who owns the policy and who has been paying the premiums? Who owns the policy and who has been paying the premiums?

]]> Comment on I have insurance on my phone through sprint, how many times can I claim insurance a year? by A guaranha http://www.idrwc.com/i-have-insurance-on-my-phone-through-sprint-how-many-times-can-i-claim-insurance-a-year/comment-page-1/#comment-123 A guaranha Sun, 01 Aug 2010 22:42:15 +0000 http://www.idrwc.com/i-have-insurance-on-my-phone-through-sprint-how-many-times-can-i-claim-insurance-a-year/#comment-123 just tie the thing to your neck with a piece of string then you could go without insurance!! just tie the thing to your neck with a piece of string then you could go without insurance!!

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