| Subject | Date Asked |
|
| Insurance Investigation | 11/12/2009 |
Q: A pipe broke in the third floor bathroom and did significant damage to our main level and basement. ...
A: Sorry to hear about your troubles. This is way too long for this claim to not be settled. Here's ...
|
| Is it possible to remove daughter from policy? | 11/3/2009 |
Q: Last year my daughter went through Driver's Ed in high school and got a learners permit. We have ...
A: I taught three of my kids to drive. Fun, isn't it? Two thoughts. If your daughter is not yet ...
|
| Falling Tree | 10/27/2009 |
Q: Who is responsible for a tree falling on my car. The tree was in my neighbor's yard? He does not ...
A: The answer to this question is based on whether your neighbor was negligent. If the tree was in ...
|
| Roof Damage | 10/24/2009 |
Q: I'm located in Florida and I own a triplex. Back in March of 2009, I had some water leaks in the ...
A: Lindsay - I am going to make an assumption that your HO-3 policy excludes damages casued by 'wind'. ...
|
| Roof Damage | 10/23/2009 |
Q: I'm located in Florida and I own a triplex. Back in March of 2009, I had some water leaks in the ...
A: It is hard to comment about a specific policy without actually reading it. That being said, ...
|
| roof damage | 10/6/2009 |
Q: I recently had wind damage to my roof which caused some interior water damage. My insurance company ...
A: What you are describing would not be the norm, based on an industry standard Homeowners (form ...
|
| Basement Flood | 10/4/2009 |
Q: The crawlspace where my one year old gas furnace is located flooded with three feet of water and now ...
A: Sorry to hear about your water problems... If the water was from a burst pipe, it is probably ...
|
| Auto Insurance and Coverage | 9/23/2009 |
Q: I am actually doing a project for one of my Physical Therapy classes and had a few questions about ...
A: The driver's insurance is 'liability' insurance, so it only pays when the driver is negligent. The ...
|
| dwelling | 9/10/2009 |
Q: I want to know what has to be wrong with my home for my insurance co. to cover the replacement of my ...
A: Yes, Dwelling coverage is the amount your home is insured for. Your homeowners policy covers your ...
|
| vacant land with shed needs liability ins. | 8/30/2009 |
Q: I just purchased a parcel of land, almost 2 acres, that has an old doublewide mobile home on it that ...
A: You should have liability insurance on it immediately - what happens if someone is injured removing ...
|
| Property Insurance | 8/25/2009 |
Q: James, First - thank you for making yourself available on this service! I live in a townhouse in ...
A: Generally speaking, any item that came with the first sale of the condo to the first owner, ...
|
| P and C insurance licensing - Michigan | 8/17/2009 |
Q: I am an owner of a mortgage company in michigan. The majority of my clients are business owners and ...
A: The best way to get your license is to go right to the source - the Insurance Department in your ...
|
| Car insurance--car totalled. | 7/10/2009 |
Q: I owned a 2005 prius which was totalled(my fault) on Monday and I am wondering what I should be ...
A: So sorry to hear about your car. I hope the settlement process goes smoothly. The insurance ...
|
| Avoiding fraud on HO Ins claim | 6/26/2009 |
Q: My roof was damaged in a recent hailstorm. My insurance company sent an adjuster and determined a ...
A: For your first question, yes - that is insurance fraud. For the second question, if you can find a ...
|
| coverage | 6/1/2009 |
Q: I bought a big screen TV and Friday. when I returned home I called my insurance carrier for ...
A: Scott, That is an ugly story. Call you agent back and ask if they 'bound' coverage for you, ...
|
| property insurance not paying | 5/30/2009 |
Q: April 13th 2009, entered our house and found an inch of water in the kitchen and going into the ...
A: Here is the link from the Indiana Insurance Department. You can only file complaints by mail or ...
|
| property insurance not paying | 5/29/2009 |
Q: April 13th 2009, entered our house and found an inch of water in the kitchen and going into the ...
A: Melissa, Based on the infromation you have provided, I find their stance on your claim untenable. ...
|
| auto wholesaler insurance needed now | 4/15/2009 |
Q: I just started wholesaling cars and need insurance for transporting cars from the auctions to my ...
A: The best way to get insurance for the cars you are transporting is to get a 'transporter' or ...
|
| Liability Coverage | 4/11/2009 |
Q: I am 72 years old, semi-retired from a couple of decades of selling antiques/collectibles in two ...
A: If you are not concerned about loss or damage to your antiques, and only concerned about a lawsuit ...
|
| Garage Liability-customers vehicles | 4/2/2009 |
Q: Re:Non-dealer entity: Customer has service work done to auto. Shop then test drives vehicle and is ...
A: Dennis, The only suggestions I have are to keep looking. There must be some carrier out there ...
|
| Neighbor's Car | 3/31/2009 |
Q: Recently my neighbor's car, which was parked in his driveway, was damaged by a piece of my house's ...
A: Julio, The answer to this question is based on whether you were negligent. If your roof was in ...
|
| Hail damage claim under two policies | 3/26/2009 |
Q: We have sustained hail damage to our roof and actually have two homeowner's policies in effect--we ...
A: Collecting this under two policies is insurance fraud. You can get in a lot of trouble for that. ...
|
| need ins. TODAY | 3/25/2009 |
Q: Good Day, I am 41F,live in TX, have a Camry leased from Toyota financial, have Gap ins. thru Toyota ...
A: I am not familiar with TX auto insurance rates, but the Farmers price seems to sound expensive. No, ...
|
| Auto Wholesalers | 3/19/2009 |
Q: James, for a one-person operation doing auto wholesaling, buy/sell to dealers only, what type of ...
A: It sounds like you are in the business, so I will talk insurance talk. If not get back to me and ...
|
| Garage keepers ins | 2/23/2009 |
Q: Are all garagekeepers liability ins premiums based on total annual projected gross sales ?
A: A few years ago, ISO (The Insurance Services Office)changed the way garages are rated. Instead of ...
|
| care cutstody and control | 2/18/2009 |
Q: Is there coverage available for a trucking company which occasionally stores its customer's property ...
A: Yes there is. It is called both 'Property of Others' or 'Bailees' coverage. The actual coverage ...
|
| Vandalism of vehicle while parked at work | 2/17/2009 |
Q: My vehicle was vandalized (sugar water in tank) while parked at work. I suspect three Security ...
A: I am sorry to hear about the car trouble. Without some sort of proof, the nursing home's insurance ...
|
| House Fire. | 2/4/2009 |
Q: My home at 5645 N 12th Ave PHX. Az 85013 was in a fire recently. How do I obtain information about ...
A: Katherine, I am very sorry to hear about your fire. I hope no-one was hurt, and you are back in ...
|
| What is totaled inFlorida | 1/22/2009 |
Q: I was recently in a vehicle accident where my car was rear-ended. My car is a 2009 Ford Focus which ...
A: Bob45 Some thoughts on your accident - 1) I can't find a statute for Florida that defines what ...
|
| Starting Agency in CA | 1/20/2009 |
Q: I am a claim adjuster with 15+ years experience in auto and homeowners claims. I have worked for a ...
A: Good luck starting your agency! I have answered several questions about starting an agency, getting ...
|
| auto insurance not paying | 1/19/2009 |
Q: I am a truck driver and park my car outside the yard where i pick up my truck. two months back,My ...
A: Simer, I am very sorry to hear about your car, and the trouble you are having with your insurance ...
|
| Car vandalized while in my possession | 1/3/2009 |
Q: Just two nights ago I was out celebrating New Year's Eve to come back home and find my friend's car ...
A: Alex, Coverage for that car lies with the policy that your friend has. Your policy will not cover ...
|
| Personal tools coverage | 12/10/2008 |
Q: I have about $100,000 worth of tools. I'm retired and as a hobby I build engines for people (no ...
A: An industry standard homeowners policy should cover your tools. A homeowners policy will limit ...
|
| "Groundwater" denail after Wind/Hail storm damaged interior wood floor | 12/4/2008 |
Q: My home was recently damaged in a hail storm and our insurer (S.F.) paid out claims on our roof and ...
A: I need to make a couple of assumptions in order to answer your question. First assumption: The ...
|
| water damage and mold | 12/2/2008 |
Q: I appears that rainwater has leaked in through the brick structure and ran into my lower level. I ...
A: Mold can be nasty stuff, good job getting to the bottom of it. I am not sure what 'the brick ...
|
| liability for act of a minor | 11/22/2008 |
Q: Our 8 year old son hit an LCD TV at our friends' house and broke the screen. The TV was bought less ...
A: Life is a never ending series of interesting incidents, isn't it? Here's the big picture. Your ...
|
| Insurance | 11/21/2008 |
Q: I am trying to open a insurance agency in TX. I have location already in mind but I am clueless when ...
A: I am not exactly sure what you are asking, but the insurance you will need on your new office would ...
|
| Repairing a vehicle against trashing it | 11/13/2008 |
Q: Last Friday, I had a driver illegally change lanes and veer into my car. While everyone was all ...
A: Sorry to hear about your accident. In short, no-one wins in a total loss... That being said, you ...
|
| bailee coverage forms | 11/12/2008 |
Q: I am trying to pick the correct ISO forms for bailee coverage for a new client. They are a ...
A: The best form I can find at the moment is <IH 00 85 12 01> I have a PDF of this form. If you email ...
|
| bailee coverage forms | 11/11/2008 |
Q: I am trying to pick the correct ISO forms for bailee coverage for a new client. They are a ...
A: I am a little confused. You have a client that ships stuff, and you also have clients that ship ...
|
| Insurance Settlement | 11/3/2008 |
Q: I recently received a check from my homeowners insurance for almost $12,000.00 for damage due to a ...
A: You should call your mortgage company and ask them how they handle an insurance company claim check ...
|
| P&C business | 10/23/2008 |
Q: I am a life and health agent working with a brokerage firm that helps independent P&C agents with ...
A: Being a P&C guy, I would agree with you. But I am looking through my P&C glasses when I say that, ...
|
| Homeowners insurance in Florida | 10/19/2008 |
Q: I own a home in Florida that I am renting out. I am planning on purchasing a second home/duplex, but ...
A: My recommendation would be to get one policy providing General Liability, Property, and Loss of ...
|
| gneral liability | 10/16/2008 |
Q: we had a general liability policy and decided not to renew it a couple of months back. Now we get a ...
A: A general liability policy is usually based on something such as your payroll, or amount paid to ...
|
| Personal Property at second home | 10/15/2008 |
Q: I have a second home which is covered with home owners insurance. I just found out that the policy ...
A: First, I would like to apologize for not answering this sooner. I usually try to answer within 24 ...
|
| Kitchen flooded, Travelers wont pay ALE | 9/24/2008 |
Q: During the recent Hurricane Ike, a tree fell on my roof and caused my kitchen to flood. As our ...
A: Ilan, Hopefully you will now get somewhere. Here's some more thoughts... Do not wait for ...
|
| Kitchen flooded, Travelers wont pay ALE | 9/23/2008 |
Q: During the recent Hurricane Ike, a tree fell on my roof and caused my kitchen to flood. As our ...
A: I hope this gets resolved quick! Here's some suggestions - 1) Call your local health official. ...
|
| water damage | 9/17/2008 |
Q: i am currently renting an upstairs condo. Due to a sink not draining properly running water flooded ...
A: Insurance has to do with dealing with the financial consequence of a loss - be it a property loss or ...
|
| becoming an independant agent | 9/14/2008 |
Q: I am currently working and have been working for an insurance in ct for the last 6 years, i would ...
A: The best way to become an independent agent is to have a ready-to-go book of business or a ...
|
| SF Homeowners | 8/18/2008 |
Q: A couple of weeks ago water started coming into the basement. After turing off inside water and ...
A: Sorry to hear about the water problems. Water can be a source of some tricky adjusting in the ...
|
| Burgulary | 8/16/2008 |
Q: My 80 year old mother had her house broken into (after being evacuated because of wildfire). When ...
A: I am asked this question often, and philosophically I agree with you. Insurance is for catastrophic ...
|
| Insurance for a second home | 8/13/2008 |
Q: We have a second home that we own. We allow a immediate family member to live in the home. There ...
A: Is the family member living there full time? If so, the landlord-type policy is correct. (aka ...
|
| Workmans Comp Claim | 8/7/2008 |
Q: My Husband was in an accident this past June and is know paralyzed from waist down. Wormand comp ...
A: I am very sorry to hear of your husband's accident and subsequent injuries. I hope his recovery is ...
|
| E&O Insurance | 7/26/2008 |
Q: I am a newly licensed agent in California, I have a very hard time obtaining E&O Insurance because I ...
A: Try the Lawyers Protector Plan administered by Brown & Brown (www.bbinsurance.com) in Tampa Florida. ...
|
| ACCIDENT | 7/25/2008 |
Q: MY 10 YEAR OLD SON WAS HIT BY A CAR IN FRONT OF MY HOUSE (GETTING THE NEIGHBORS DOG OUT OF THE ...
A: MTIL Love, I am very sorry to hear about your son's injury, please accept my best wishes for a ...
|
| flood loss | 7/22/2008 |
Q: If my insurance company hires a third party to assess the damage to my home caused by flood and that ...
A: Dan, There are many reasons why your actual repair may have cost less than the insurance company's ...
|
| Property Insurance | 7/21/2008 |
Q: I live in the state of NJ and had a home that caught fire about 2 yrs again. Since then I have had ...
A: I am so sorry to hear about your home fire. Not to mention the problems getting it rebuilt. The ...
|
| Property damage | 7/16/2008 |
Q: If a licenses driver allows an minor to drive his car and the minor causes property who is ...
A: Raymond, This is a legal question, as it pertains to who is responsible for causing damage. That is ...
|
| Question about responsibility of a general contractor | 7/13/2008 |
Q: In 2/ 08, our basement flooded. We didn’t have a waterproof system, so everything was torn out. The ...
A: I am sorry to hear about the basement. I have a finished basement that recently had 6 inches of ...
|
| CPCU Designation | 6/26/2008 |
Q: James, I noticed that you have your CPCU designation and was wondering your path of recieving it. ...
A: Daniel, Somewhere around your age, I started taking the courses one at a time, which means I took ...
|
| Gas Scooter Accident | 6/24/2008 |
Q: I was driving my gas scooter down the bike lane (it is not a street legal scooter) and a car did'nt ...
A: Mark, Yes, the at-fault operator should cover your damages. Your case is especially helped if the ...
|
| valuable papers policy | 6/16/2008 |
Q: what conditions are there when it comes to the valuable papers and records policy?
A: I can certainly recite the 'conditions' from the valuable papers coverage section, but I suspect you ...
|
| totaled truck | 5/29/2008 |
Q: My husband totaled his 2007 F150 truck. Let's just say that the deer won. We paid almost $42,000 mid ...
A: Joyce, I have been involved in many total loss scenarios, and the adjuster was always willing to at ...
|
| Liability/homeowners | 5/23/2008 |
Q: I board my horse at a friend's place. It has more than adequate fencing and gates to keep horses ...
A: I will assume there is no contract or agreement between you and your friend. If your friend is in ...
|
| totaled truck | 5/21/2008 |
Q: My husband totaled his 2007 F150 truck. Let's just say that the deer won. We paid almost $42,000 mid ...
A: I am very sorry to hear about the truck. I totaled a Jeep Ltd a few years back. The deer also won. ...
|
| How to get insurance and/or liability on summer cottage and property | 5/15/2008 |
Q: My husband and I purchased a summer cottage from my parents 2 years ago. It is on a lane that is ...
A: You should place the insurance for the cottage with whomever is providing the insurance on your ...
|
| co insurance answer 12/06 | 5/5/2008 |
Q: On your co insurance answer on 12/2006 shouldn't it be 60k/100k with a payout of 18k and the insured ...
A: Carl, At 80% coinsurance, the insured is required to carry an amount of insurance equal to at least ...
|
| Property Insurance Claims | 4/17/2008 |
Q: I own several homes in Minnesota and would like to submit multiple insurance claims on different ...
A: The simple answer to your question is that insurers are in the business to make money. If you ...
|
| Property & Casualty Insurance license | 4/12/2008 |
Q: I currently live in dearborn, Michigan do you know where i would look to see where i would take the ...
A: Here's the info from the Michigan insurance Dept website. You can visit the "How to become an ...
|
| Bilingual Insurance broker | 4/8/2008 |
Q: Hola! I am interested in becoming an insurance broker. I want to sell homeowners and automobile ...
A: I answered a question very similar to this a little while ago. The question was more in depth, so I ...
|
| Selling P and C in all 50 states | 4/5/2008 |
Q: We operate a used car business that sells vehicles through and Internet based referral system. We ...
A: The best source to find insurance companies that are licensed in all 50 states is in the AM BEST ...
|
| Homeowners Insurance Policy Payout-Fire | 3/31/2008 |
Q: My nephew lived in my mothers house while she was in the nursing home (free of charge) and kept a ...
A: Lesia, I am a little unclear on your question, so I will assume there was a fire, and the insurance ...
|
| business insurance | 3/16/2008 |
Q: My wife is a hairdresser and needs liability insurance. Can you refer us to any reputible ...
A: James, Almost any independent insurance agent can provide this coverage. Do you have a ...
|
| GARAGE LIABILITY INSURANCE | 3/14/2008 |
Q: WILL GARAGE KEEPERS LIABILITY COVER AN EMPLOYEE OF THE GARAGE WHEN THE EMPLOYEE PICKS A VEHICLE UP ...
A: Tim, Sounds like you know something about insurance, so my answer will be worded accordingly. If ...
|
| Homeowner's insurance for inherited house | 2/15/2008 |
Q: My father died Jan. 2007. I am the executress of my father's estate. I live overseas and have ...
A: Jennifer, You need to purchase a 'fire policy'(aka Dwelling policy), including liability, for this ...
|
| business income coverage | 2/7/2008 |
Q: if an insured has $200,000 of business income coverge with a 1/4 monthly limit of indemnity. What ...
A: Tina, The insured can only collect 1/4 of the total limit available each 30day period, and can only ...
|
| auto insurance not paying a claim | 2/6/2008 |
Q: My vehicle was stolen back in 11/2007 I submitted all the required paperwork they send me and I ...
A: GIGI, This matter should have been resolved within two or three weeks of your car being stolen. ...
|
| BOP | 2/4/2008 |
Q: My BOP policy defines money as "6.MONEY means a. currency, coins, and bank notes in current use and ...
A: Can you email me a copy of the BOP policy form? I want to have the entire form to read, and I ...
|
| Am I liable for a casual employee's damage? | 2/1/2008 |
Q: I employed a student, part-time, to paint my boat for a week early January. I now get a phone call ...
A: I had answered your question, but was not sure if it went through. Thanks for letting me know you ...
|
| P&C Career | 1/28/2008 |
Q: I am about to take the NYS Exam on P&C I hope to pass, however I did not make any research yet as to ...
A: You best bet is to find work with an established agency as a 'producer'. A larger agency will have ...
|
| Independent Insurance Agent | 1/27/2008 |
Q: I am currently a Florida PIP Adjuster. I am interested in becoming an Auto Insurance Agent. I ...
A: Lynn, Please give me a few days to talk to the insurance department. If you could email me at ...
|
| Insurance Defense Work | 1/25/2008 |
Q: Berliner: I am an attorney licensed in NY and NJ with an extensive litigation background. I have ...
A: You certainly have chosen a growing field. You should know there are many attorneys unhappy with ...
|
| Lost our home to fire, insurance won't pay | 1/23/2008 |
Q: We lost our home due to a fire in May 2006. We had to demolish it completely. Our Insurance ...
A: Erika, I am so sorry to hear of your misfortune. It sounds like you are living a nightmare. ...
|
| Starting An Agency | 1/15/2008 |
Q: Berliner, Thank you for your prompt response to my earlier question. In response to your questions, ...
A: Ommie, I am having trouble getting the North Carolina Insurance department on the phone. I want to ...
|
| EQSL | 1/15/2008 |
Q: When the policy provides EQSL or when you request EQSL do you have specifically ask for Bldg, BPP & ...
A: Garik, You must read the endorsement that provides this additional coverage. It may provide ...
|
| EQSL | 1/14/2008 |
Q: When the policy provides EQSL or when you request EQSL do you have specifically ask for Bldg, BPP & ...
A: Garik, I am unfamiliar with the acronym/term EQSL. Please let me know what it is/what it stands ...
|
| Homeowner's Coverage Re: Swimming Pool | 1/10/2008 |
Q: I live in Georgia and we recently had several days of below freezing weather..during that time, the ...
A: I read about the freezing temperatures, I am sorry to hear how it effected you. If this is an ...
|
| deceased homeowners | 1/10/2008 |
Q: My parents and grandfather all passed away between 2005 and 2006. I am trying to sell both houses. ...
A: Sorry to hear about all your misfortunes over the past several years, complicated by your current ...
|
| Starting An Agency | 1/9/2008 |
Q: Berliner, I have been a P&C Agent for over 5 years, I am also recently licensed in LAH, but I am ...
A: I am excited for you, and wish you the best success. Different states have different requirements. ...
|
| Property stored in third party warehouse | 1/9/2008 |
Q: I have an insured who imports various products from China and distributes them in the United States. ...
A: Here is what I would do. I would ask your insured to provide a copy of the contract they have with ...
|
| own agency | 1/8/2008 |
Q: I have worked for an insurance company for 15 years. I have obtained my P & C license and now ...
A: Good Luck. I am also an agency owner. In order to get appointed with an insurance company, you ...
|
| Claim that has been filed and not yet been paid | 1/2/2008 |
Q: I hope you are having a great New Year. I have a question that requires your expertise. We had ...
A: The length of time it takes to settle a claim depends somewhat on when you provide any requested ...
|
| Garage Liability | 12/19/2007 |
Q: I have a client who is one of many sponsors for a circuit of Porsche racing cars. He has opened a ...
A: Deborah, Your client needs a bunch of coverages, including Garage Liability (for claims arising out ...
|
| Insurance Adjuster/ Independent Agency | 11/21/2007 |
Q: Berliner, After putting my aspirations to become a private investigator on hold for awhile, I am ...
A: Apologies for the confusion. Apply directly to the insurance company if you want to be an "Outside ...
|
| P & C License | 11/19/2007 |
Q: Good Afternoon James, I am preparing myself for P & C broker license and I wanted to get a CD with ...
A: Zosia, I need just a little more information. Do you currently hold any type of insurance license ...
|
| Insurance Adjuster/ Independent Agency | 11/15/2007 |
Q: Berliner, After putting my aspirations to become a private investigator on hold for awhile, I am ...
A: Apologies for the wait, I usually answer these within 12 hours! This just arrived yesterday... ...
|
| our son's injury | 11/9/2007 |
Q: our son was driving a friends motorcycle. he does not have a motorcyle license, nor did the cycle ...
A: Pati, Sorry to hear of your son's injury and I hope he is healing nicely. Due to the specificity ...
|
| Car Vandalized on Private Property | 10/1/2007 |
Q: Some background history... I bought a new car from a local dealership with the intention of trading ...
A: I am sorry to hear about the problem involving your car and the dealership you are working with. ...
|
| claim handling of renter's insurance | 9/26/2007 |
Q: I have renter's insurance with MetLife with replacement cost. I purchased new auto as of 06/07 and ...
A: Sorry to hear about your theft loss. If the adjuster is happy with your proof of loss, and does not ...
|
| Personal Propery Loss - Change Insurance Companies | 9/25/2007 |
Q: I have recently had a home fire. The insurance company has been good with the construction claim ...
A: Apologies for taking so long to answer your question. I have been on vacation for the past three ...
|
| Pay replacement vs replace jewelry | 9/14/2007 |
Q: I have an elderly friend who had a theft of an engagement ring, a cocktail ring, and a designer ...
A: Sorry to hear about your friends loss. There are two ways to insure 'scheduled' jewelry items. ...
|
| Water Damage Claim | 9/11/2007 |
Q: James ..... recently a hot water heater leaked suddenly and caused extensive water damage to the ...
A: Bill, Sorry to hear about your loss. I do not agree with the adjuster. The key here is that the ...
|
| car vandalized while in driveway of friends home | 9/8/2007 |
Q: my daughters car was vandalized while visiting a friend- all four tires were slashed and words ...
A: Sorry to hear about the damage to your daughter's car. The owners of the home where the car was ...
|
| state farm claim | 8/31/2007 |
Q: NOW MY QUESTION IS I HAVE CLAIM WITH STATE FARM PENDING FOR BACK UP SEWER MY WATER BACKED UP IN ...
A: Enes, Forgive me, I am having a little trouble understanding your question and coverages. If you ...
|
| PC Sales | 8/27/2007 |
Q: Mr. Berliner, To give you some background I am a field underwriter for a small mutual insurance co ...
A: I think maybe I answered your question back in May of this year. I have copied/pasted that answer ...
|
| Private individual working in my home | 8/24/2007 |
Q: I pay an individual to clean my home. She got a large spinter in her finger while cleaning and had ...
A: Dena, There is a very good chance it will be covered under the 'Medical Payments' coverage of your ...
|
| homeowners insurance / fire question | 8/6/2007 |
Q: A trash bin caught on fire next to my truck & vacation trailer on our property last nite. Both are ...
A: Sorry to hear about the damage. To properly answer your question, I would have to read your ...
|
| compensation for my totaled 1991 bmw | 7/27/2007 |
Q: My car was sitting in my drive way when someone lost control of their vehicle and careened into ...
A: William, Sorry to hear about the mishap. Short answer? Yes, the insurance company is supposed to ...
|
| at fault accidents | 6/25/2007 |
Q: The 2nd day after purchasing a 2007 honda civic I backed it into a brick wall. This damage was ...
A: Joseph, I know you want to have an answer so you can start planning, but it is like asking what the ...
|
| Auto insurance | 6/7/2007 |
Q: Is auto insurance a type of P & C insurance? What other insurances come under P& C?
A: Auto Insurance is a type of P&C Insurance. P&C stands for Property & Casualty Insurance. Any type ...
|
| Fire Insurance | 6/5/2007 |
Q: I was staying with my grandmother temporally and there was a fire at the house. Now she has ...
A: Michael - Apologies for taking so long to get back to you on this, the All Experts web site was ...
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| Fire Insurance | 6/5/2007 |
Q: I was staying with my grandmother temporally and there was a fire at the house. Now she has ...
A: Michael - That sounds like a legal question, not an insurance question. Did your Grandmother ...
|
| auto insurance coverage for new car | 5/29/2007 |
Q: When I buy a new (or used car) my current auto policy covers that car for 7 or 30 days until I can ...
A: Wish I could give you a direct answer, but any question about a specific policy would require me to ...
|
| Choosing an agency | 5/25/2007 |
Q: James, Great information. I am in the process of searching for an agency. State Farm, Allstate, ...
A: Brad, Given those choices, I would go with either State Farm or Farmers. This is based on my own ...
|
| Homeowner | 5/24/2007 |
Q: Is there a law requiring any grace period for non payment by Citizen's or any homeowners insurance?
A: Daryl, There is no law that I am aware of requiring a grace period for canceling a policy due to ...
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| PC sales | 5/21/2007 |
Q: "I currently am a small commercial/farm underwriter for a statewide insurance company. I have been ...
A: BEat, I have found that people are either Life & Health folks, or P&C folks. I like selling P&C, ...
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| PC sales | 5/21/2007 |
Q: "I currently am a small commercial/farm underwriter for a statewide insurance company. I have been ...
A: BEat, Congrats on the education. Those are excellent designations, be sure to continue the courses ...
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| condominium unit damage | 5/16/2007 |
Q: I own a 2nd floor condo unit in Florida. Recently, my water heater, located inside a closet, burst ...
A: I have about $.06 worth on this one... 1) Florida has some very special laws regarding losses in ...
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| Lapsed Homeowners Policy | 4/21/2007 |
Q: Due to mix up in dates I have let my homeowners policy lapse on my house in Kissimmee Florida. It ...
A: Sorry to hear about your troubles. Many insurance companies are looking for ways to reduce their ...
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| Condo Master Policy | 4/3/2007 |
Q: I'm at my wit's end and hope you can help me, or direct me to someone who may. My toilet, on the ...
A: Mary - To ultimately answer your question accurately, I would need a copy of your insurance policy, ...
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| umbrella policy | 2/9/2007 |
Q: Please explain to me when it is a good idea to purchase an umbrella policy and what it is actually ...
A: Here is the coverage you gain from purchasing a PERSONAL umbrella. Please note a Personal Umbrella ...
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| commercial lines business | 1/16/2007 |
Q: Mr Berliner: I am following up on a previous question I had asked regarding commercial insurance ...
A: If I could answer this question perfectly, I would be retired by now... My best advice on this is ...
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| expanding into commercial lines | 1/10/2007 |
Q: Mr. Berliner: I am a new agent and I have been hired by an agency to expand their book of business ...
A: William, Great question. You are well into the business, and are realizing some of the true ...
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| cargo insurance | 12/19/2006 |
Q: James, me and 2 other owner operators are in the process of getting our own authority numbers, and I ...
A: Rene, While this is not my area of expertise, you will want to go to an independant insurance agent ...
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| pipes broken underfoundation | 12/12/2006 |
Q: recently had problems with no hot water in my house. replaced the electric hotwater tank still no ...
A: I am afraid that based on what you are telling me I won't have the best news. All homeowners ...
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| What am I entitled? | 12/10/2006 |
Q: I have a few questions about my insurance claim. My vehicle was legally parked in a large parking ...
A: Sorry to hear about your car troubles. I think the easiest way to answer your question is to take ...
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| Coinsurance | 12/7/2006 |
Q: I have an employee who took the AR state insurance exam and she missed the questions about ...
A: Casey - I'll skip the philosophy of coinsurance and why it exists and get right to the mechanics of ...
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| Home Based Business and Homeowners Ins. | 12/1/2006 |
Q: Greetings, Thank You for your help. I am considering running an electronics manufacturing business ...
A: While I do nor know the specifics of the electronics business you will be running out of your half ...
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| rental property insurance | 10/26/2006 |
Q: I own a few lower income rentals and I would like to know how I can keep my cost down on hazard ...
A: Steve, Insurers use something called a 'coinsurance clause' to ensure people ensure to either ...
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| Independent Broker | 9/19/2006 |
Q: I am interested in becoming an insurance broker. I want to sell homeowners insurance in Texas. I ...
A: The best way to break into the business cold is to be hired into an agent training program usually ...
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| tree damaging auto | 9/1/2006 |
Q: A neighboring business had a huge oak tree located on their property fall and crush our vehicle. ...
A: Ann, Your neighbor is liable only if they were negligent in some manner. Your neighbor is not ...
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| Secondary residence home owner insurance | 7/11/2006 |
Q: My husband and I own a house in McDowell County NC. We were insured with Liberty Mutual who ...
A: First, apologies for the late response. I've been away for a few days... There are a few insurers ...
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| Nationwide Insurance Company | 6/26/2006 |
Q: I have been a excllent customer of this company for the last 25 or more years. I have insurance on ...
A: Abe, Not sure of your question, but here are some suggestions for placing your insurance. *You ...
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| cargo insurance | 5/3/2006 |
Q: Hopefully you can help. I am starting my own moving company moving mostly residential items. i ...
A: Congrats and good luck with the new business. You will need the following insurance - 1) General ...
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| Property Insurance? | 3/23/2006 |
Q: I am a 21-year-old college student and I recently received a very expensive camcorder as a gift. I ...
A: As a college student, if your 'official' permanent address is at your parents house, even if you ...
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| online purchase of auto insurance | 3/17/2006 |
Q: what are the pitfalls of purchasing personal auto insurance on line?
A: Carmen, Thank you for this question. Auto insurance is much more complicated than you might think. ...
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| Rental Cottages- insurance... | 3/10/2006 |
Q: My husband and I own a small cottage rental business. There are 2 rental cottages on the same ...
A: There really is no rule of thumb for determining an appropriate limit of liability. I would ...
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| DUI and commercial liability insurance | 3/2/2006 |
Q: After getting a DUI conviction in 2005 for a ticket from 2004 and completing all probation ...
A: Terry, Not sure of what your profession is. If you are an employee of someone else and their ...
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| liability insurance | 2/8/2006 |
Q: Is there any way to more accurately estimate the amount of liability insurance that a small biz ...
A: Simple answer: No. Some things to consider when deciding on a limit of liability would be 1) What ...
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| Art / Hobbies and Homeowner insurance | 2/1/2006 |
Q: I am a metal sculptor. I live in a residential only area and so far I have been working out of my ...
A: While I cannot speak about your particular homeowners policy without actually reading it, I am ...
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| Medical Malpractice Claims | 1/2/2006 |
Q: I am a practicing emergency physician frequently providing expert witness and consultation ...
A: Dr Dobkin, While this is not necessarily my specialty, I suspect the folowing web page will provide ...
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| Report/Make Claim? | 11/22/2005 |
Q: I need to know if it's a good idea for me to report the following to my auto insurance company (New ...
A: Here's what I tell my own clients - Let's see how much the estimate is for the repair, then we can ...
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| Insurers obligations to new claims adjusters | 9/20/2005 |
Q: My husband was hired as a Sr Claims Analyst for a top rated P&C Insurance Company, with just a few ...
A: Sorry to hear about your troubles. I would love to help, but your question is a legal question, ...
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| uninsured motorist | 3/21/2005 |
Q: I was severely injured in an auto accident which was caused by an individual that hit and ran...My ...
A: Holly, While your insurance company is in their rights to settle the claim in this manner, it is ...
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| Insurance unoccupaied house | 2/10/2005 |
Q: James, I am living at Richmond, Virginia. I have a hard time to find any insurance companies that ...
A: Yan, Here in Connecticut, there are only a couple of insurers who are willing to insure a vacant ...
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| Insurance payout amount for a total | 12/20/2004 |
Q: My wife was recently hit by a trash truck (she's okay) and her car was totalled by our insurance ...
A: First all, when you stated "The adjustor told me they would make an adjustment for any of these ...
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| Errors & Omissions Insurance cost | 12/17/2004 |
Q: My small business produces television programming for various cable networks (both national and ...
A: David - You are right, there are many, many variables. It would be impossible to give you a ...
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| PREPAID LEGAL INSURANCE | 12/15/2004 |
Q: Berliner. Just wondering if you are familiar with Prepaid Legal Insurance that you can purchase and ...
A: This is a bit out of my expertise. Give Mel Powell a call at (310) 820-7477. He sells this ...
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| My mother-in-law fell at our... | 12/3/2004 |
Q: My mother-in-law fell at our house while helping us move a piece of furniture. She is unemployed ...
A: Karen, Sorry to hear about your mother-in-law, I hope she is feeling better. Simple answer is ...
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| Bodily Injury coverage | 11/9/2004 |
Q: I was involved in a accident where I totalled the vehicle. I have a back injury and the insurance ...
A: As far as the Bodily Injury liability, your policy makes it clear that this coverage is for claims ...
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| Bodily Injury coverage | 11/9/2004 |
Q: I was involved in a accident where I totalled the vehicle. I have a back injury and the insurance ...
A: Tell me more about the accident. How many cars were involved, who was at fault, did anyone receive ...
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| Professional Liability | 10/22/2004 |
Q: I am retired & write short stories/ Children's Books for a hobby, pleasure. Nothing sold to date, ...
A: Your Homeowners Policy and your Umbrella Policy provide liability coverage for PERSONAL liability, ...
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| Car insurance | 10/19/2004 |
Q: My family lives in Florida. My daughter is 19 and currently going to the local community college. ...
A: Thee are a few things I simply cannot answer, such as the Dept of Motor Vehicle laws in MD ...
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| Park Model Trailer Ins. | 10/6/2004 |
Q: We live in Indiana. We have a park model trailer (on a concrete slab with attached four season ...
A: Good question, Sue. You should be able to purchase a Mobile Home policy directly from your ...
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| Total loss of Vehicle | 9/2/2004 |
Q: Can an Insurance company in calculating the replacement cost for a 2004 vehicle, deduct dealer ...
A: Steven, An insurance company, when placing a value on a totalled vehicle, traditionally uses ...
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| Auto depreciation from collision | 8/26/2004 |
Q: I was in a car accident where the other driver was ticketed. The other drivers insurance company is ...
A: Eric, Great question. I do not know of any instance where a car owner was compensated for the ...
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| Auto Insurance | 8/24/2004 |
Q: Suppose, as a private individual, I purchase used cars from time to time for resale, but do not ...
A: If you do not take possession, then all you need is general insurance for running a business. ...
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| Auto Insurance | 8/23/2004 |
Q: Suppose, as a private individual, I purchase used cars from time to time for resale, but do not ...
A: Art, I am not sure how you would 'purchase' a car but not transfer ownership into your name. Who ...
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| HELP DAMAGED TV!!! | 6/29/2004 |
Q: I WAS MOVING MY LARGE SCREEN TV AND IT FELL OVER AND THE SCREEN BROKE(BIG HOLE IN IT IKES)!!!(VERY ...
A: Patty, Hate to say this, bit it is not typically covered in a homeowners policy. 'Breakage' is ...
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| Brokerage Commissions | 6/1/2004 |
Q: My question relates to the commission paid to a broker. Specifically, when brokers solicit quotes ...
A: Phil, 99.99% of the time, there is a set schedule of commissions. Insurance can be tricky, so I ...
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| Recovery of Stolen Property after Settlement Loss | 5/5/2004 |
Q: I am receiving a settlement loss payment from my homeowners insurance for stolen property from my ...
A: Once your insurance company pays you for stolen items, they own the recovery rights for those items. ...
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| Auto Insurance | 4/14/2004 |
Q: Berliner,CPCU, I've been a Master's Degree student for three years and haven't carried any auto ...
A: You will need to purchase a basic auto insurance policy, and ask to have 'comprehensive' or 'Other ...
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| Homeowner's Property Insurance | 4/10/2004 |
Q: Unfortunately, my parents passed away. We are in the process of selling their home. It is ...
A: I am very sorry to hear of your parents passing. I am sure the last thing you need is a burglary and ...
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| Car & Truck Safety | 4/7/2004 |
Q: Jim, thanks for timely response. My question though; is for ratings that don't grade them by ...
A: Here's another link. http://www.hwysafety.org/fed/nhtsa_ds_akl_082201.pdf It doesn't go by ...
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| Car & Truck Safety | 4/2/2004 |
Q: There is a lot information on how safe certain cars and trucks are, but usually its always broken ...
A: I have a 19,18 and a 15 year old, I know the feeling... This is the best link I can send you on the ...
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| Maritime Liability | 3/1/2004 |
Q: James, I have a client who does analysis of and calibration of reciprocating engines. It's a ...
A: Danny, Thanks for the details. First off, I will assume your client carries basic business ...
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| Maritime Liability | 2/27/2004 |
Q: James, What is Maritime coverage and when is it needed? Thanks, Danny NashJames, Tell me all you ...
A: Generally speaking, Maritime coverage refers to any insurance that might be needed when the ...
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| contractor insurance | 11/3/2003 |
Q: I am looking to go on my own as a Sub-Contractor for Cabinet installations and finish carpentry,in ...
A: You will need a few types of insurance. First you will need liability insurance, in case someone is ...
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| Lost wedding set in insurance claim | 5/29/2003 |
Q: My wife lost her wedding ring set and we are getting the run around from our Ins Co about the set ...
A: Mike, I completely understand your predicament. I know you won't like my answer, but the insurance ...
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| Vendors | 3/19/2003 |
Q: I have a client who just purchased a small electric tools repair business. People will bring in ...
A: Vendors coverage is a coverage usually purchased by a wholesaler, importer, manufacturer, or ...
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| negligent lawyer | 3/5/2003 |
Q: My husband was involved in an auto accident 10 mos. ago. Our Truck, and Boat/Motor/Trailer (which ...
A: Ann, Wow, what a mess. First, I would get a rock-solid settlement offer from the "at-fault" ...
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