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Wednesday, July 22, 2009

Car Insurance and Your Claims: They MUST Pay!

car insuranceTo further complicate matters, even if a loss is covered, the policy most likely includes a deductible as well as coverage limits. Depending on the nature of the loss, multiple insurance companies may be involved(one of which may be car insurance northern ireland). For example, if a storm strikes and you have both wind and flood damage, you may have to file a claim with your homeowners insurance for the wind damage and another with the national flood insurance program (if you have flood insurance) for the water damage.

Depending on where you live, your deductible may be higher under certain circumstances. For example, in Florida, your deductible for hurricane damage is much higher than if your home was burglarized. So, will your insurance company pay or won't they? Look at it this way, insurance companies DON'T want to pay. They are in business to generate profits and will need to be convinced BY YOU that the claim should be paid. The burden of proof lies on you, the homeowner. This means that you will need to prove your case and do it well. The better prepared and more organized you are, the better.

Start with documentation. You may need to take dozens of photos and provide your insurance agent with detailed estimates to counter against the insurance company's original settlement offer. You may need to demand to see how the agent depreciated your property and negotiate a more reasonable method. While your homeowner's insurance policy is a contract, the claims process does provide room for negotiations with auto insurance company (more information on best negotiation tactics in How to Contact with Auto Insurance Company? article).

insuranceYour best bet is to be prepared for a fight. Your tools in this battle include a detailed home inventory, digital photos and video documenting the damage, estimates from local contractors, and a willingness to demand a better offer. You don't have to do this alone. In fact, many contractors are willing to be present during the insurance adjuster's visit to help point out damage that the adjuster might have otherwise ignored. In addition, public insurance adjusters act as advocates for the homeowner and work on your behalf to negotiate a higher settlement offer.

Arm yourself with knowledge, documentation, and real-world estimates while also considering professional representation and you'll be better equipped to answer the question, "Will they pay for it?"

9 comments:

Online Car Insurance said...

The documentaion is very huge and there should not be mistakes else there will be problems later and the photo verifications are also very important.

compare commercial insurances said...

Oh man do I need to do all these activities that you have stated when claiming. Its a big headache, but my agent is assuring me that you will not face any sort of difficulty. Lets hope all goes well and will not have to face such kind of situation.

Steve Cooper said...

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Steve Cooper said...

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Garage Equipment said...

Auto insurance is compulsory in most states, and the insurance has different types of benefits or coverage.

used cars said...

When it comes to auto insurance, you want to be adequately covered if you get in an accident, but you don't want to pay more than you have to.

Van Insurance Quotation said...

According to me, Auto insurance is basically an agreement between insurance companies and vehicle owners. Here above all information is really too good.

Ravi Raj said...

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sagar yadav said...

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