| Subject | Date Asked |
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| insurance claim for watch and ring | 8/7/2009 |
Q: I have turned in a claim for a ring and watch to lib mutual. It was turned in 4-9-09. I have given ...
A: Some companies will go to great lengths to delay and/or deny a claim. Some key word or happening ...
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| car accident | 8/6/2009 |
Q: I was the #3 car in a car accident. I was at a red light going south when vehicle #1 ran his red ...
A: Before accepting liability, the adverse company needs a copy of the police report, an on scene ...
|
| Erosion, house slippage | 7/28/2009 |
Q: My house is on a steep hill and I'm afraid its slowing slipping. The garage floor has warped pretty ...
A: All home policies EXCLUDE earth movement that started on or off your property. Read the exclusions ...
|
| Condo responsibilities | 7/20/2009 |
Q: I am in a boat club and our slips are owned by the individuals as deeded space. The catwalks and ...
A: This is not a question that can be provided a rapid simple answer. If your boat club is in a ...
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| Condo HO6 Policy | 7/10/2009 |
Q: Let me precede this with, this is a wind only policy and the other perils and liability are written ...
A: Since you state that the owner of the building is a corporation, then I assume that all others ...
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| DMV accident report | 7/3/2009 |
Q: I was involved in an accident, when my case hit a light pole on a town street. Except for the pole ...
A: I agree, your insurance company probably did file the report. Why don't you call them and have the ...
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| DMV accident report | 7/3/2009 |
Q: I was involved in an accident, when my case hit a light pole on a town street. Except for the pole ...
A: Sorry, I mis-read the last sentence of your question. As I stated, most states require the form to ...
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| DMV accident report | 7/3/2009 |
Q: I was involved in an accident, when my case hit a light pole on a town street. Except for the pole ...
A: Most states require that DMV accident report be filed by the insurance company and signed by them as ...
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| Auto accident | 6/3/2009 |
Q: I was involved in an auto accident Sunday morning. My mom and I were injured in the accident and my ...
A: Since the police officer indicated fault against the other driver, it simply means that in his ...
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| Auto accident | 6/2/2009 |
Q: I was involved in an auto accident Sunday morning. My mom and I were injured in the accident and my ...
A: I'm sorry to learn of the injuries in your family and hope that you and your Mom fully recover. Your ...
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| auto accident/ no insurance/damaged private fence | 6/1/2009 |
Q: While driving the other day i ran off the road and hit a privately owned fence.Am i liable for the ...
A: Since you state that you have a medical condition that caused the accident, for the safety of ...
|
| Broken Camera Claim | 6/1/2009 |
Q: I have a question about a claim. I recently was out photographing my town and was caught off-guard ...
A: If your camera is listed as a named item, described and insured for a stated or appraised value and ...
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| homeowners insurance | 5/31/2009 |
Q: fire to old house, extensive damage, have 102000 in homeowners insurance, can i make the insurance ...
A: You did not provide enough information for me to give you a full and complete answer. As a general ...
|
| 69 mustang rear ended | 5/29/2009 |
Q: the other day I was rear ended while driving my 69 mustang coupe, and the car was totaled. Which was ...
A: As far as settlement is concerned, once you agree with the adjuster on the value of your Mustang, ...
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| motorcycle insurance | 5/22/2009 |
Q: Georgia=no fault-=in state accident Motorcycle titled in sons and lien holders name. I am his ...
A: In order to create a contract between you and an insurance company, you must have an insurable ...
|
| at fault determination | 5/18/2009 |
Q: I live in California, a no-fault state, and was involved in a single vehicle collision. I was ...
A: First of all, California is not a no-fault state. The insurance laws are based on tort liability, ...
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| Non-renewal of homeowners policy | 5/18/2009 |
Q: We are from California. We have been loyal customers of Allstate since 1987. We are on our third ...
A: Within the legal wording of your policy under "renewal" there is a statement saying that the policy ...
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| How do you know if your insurance has filed an SR-1 with the DMV? | 5/15/2009 |
Q: I have liability insurance and was recently in an accident about two months ago. I went through my ...
A: When the adjuster took your accident report and entered it in his computer, several things happened ...
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| auto claim | 5/6/2009 |
Q: If the insurance company total's my truck, is there a law that says they 'own' it? Or can I retain ...
A: The dollar offer that's being made by the insurance company is based on their retention of the ...
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| rental truck - liabilty insurance | 4/29/2009 |
Q: I have auto and umbrella insurance with a US company. I will rent and drive from Arizona to ...
A: NO !!!!!!!!!!!!!!!! A 16 ft "u-haul" type truck is NOT a "private passenger vehicle" and there will ...
|
| driver hit my car i had no insurance | 4/26/2009 |
Q: my uncle was driving my car back from doctors app when a man came up on him to fast and hit the ...
A: In my 45 years in the Auto & Home Insurance business, I have never heard of a law or a statement ...
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| driver hit my car i had no insurance | 4/22/2009 |
Q: my uncle was driving my car back from doctors app when a man came up on him to fast and hit the ...
A: The fact that you had no insurance does not affect your legal right to recover from the at fault ...
|
| Tires stolen from garage, not on vehicle. | 4/14/2009 |
Q: I had a set of tires stolen (in Massachusetts) from my apartment building garage (accessible by key ...
A: I worked as a licensed Property/Casualty Insurance Broker from 1964-1998, at which time I sold my ...
|
| hail damage | 4/13/2009 |
Q: this past year my area was hit by bad hail damage and I had a claim with my insurance company but I ...
A: Hail is a Comprehensive Insurance loss, just like theft or broken glass. I am not aware of any ...
|
| Personal liability and who is responsible for the association deductible? | 1/14/2009 |
Q: I live in a 2nd floor in a 3 stores condo in Chicago. I’m liable for a frozen pipes and water ...
A: You bear no responsibility to the third floor since your water went downward to the first floor and ...
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| Personal liability and who is responsible for the association deductible? | 1/14/2009 |
Q: I live in a 2nd floor in a 3 stores condo in Chicago. I’m liable for a frozen pipes and water ...
A: Since the neighbor on the 3rd floor is being covered by his policy and the association is extending ...
|
| Personal liability and who is responsible for the association deductible? | 1/14/2009 |
Q: I live in a 2nd floor in a 3 stores condo in Chicago. I’m liable for a frozen pipes and water ...
A: All policies place a responsibility on the owner/occupant and the tenant/occupant (baring ...
|
| Sr-1 CA DMV | 1/13/2009 |
Q: Your reply to a recent inquiry regarding filing CA DMV SR-1 stated that if you have reported the ...
A: In California, the main purpose of a SR-1 form is to show proof to DMV that your car was insured for ...
|
| frozen pipe | 1/4/2009 |
Q: I own a home in IL; I have had roomates live with me and the last one left in july and was paying ...
A: Since you state that you travel a lot, the bill probably came when you were away and was misplaced ...
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| home insurance claim | 1/4/2009 |
Q: we had a fire 8/07, the insurance company only wanted to pay $59000, then they invoked the clause ...
A: I wish that you had ask for assistance before hiring an attorney and a private adjustor. My first ...
|
| pastic fire smoke damage and clean up/restoration | 1/2/2009 |
Q: Please advise if you can. My house had a small fire Sunday nite. I suffered plastic smoke inhalation ...
A: I'm sorry to learn of your loss and the problems that you and your wife are experiencing. I suffer ...
|
| SR1 Processing | 12/20/2008 |
Q: I had an accident a month ago and filed an SR1 form couple of weeks ago. However I am sure that my ...
A: The main purpose of a SR-1 is to show proof to your state DMV that you were insured at the time of ...
|
| auto theft (stereo) | 12/16/2008 |
Q: "my stereo was stolen out of my truck,the insurance company will cut me a check for the equipment ...
A: Many insurance companies treat "add on" equipment different from factory installed equipment. You ...
|
| totaled vehicle title | 12/13/2008 |
Q: I own a vehicle the was in an accident. The insurance company told me a number of times that they ...
A: When a vehicle is totaled, the standard procedure is that the insurance company and you agree on a ...
|
| Auto Accident on a military base | 12/10/2008 |
Q: My home state is California and is not a "no fault" state. I recently had a minor fender bender in ...
A: As a California licensed driver, you never are required to file a SR-1 form. That is the duty and ...
|
| flood insurance | 12/9/2008 |
Q: two years ago we purchased our home,which is in a flood zone, in pennsylvania. the required coverage ...
A: I am not aware of any state that allows your lender to force you to carry an amount of insurance ...
|
| DMV SR-1 form - implications? Am I required to file? | 12/8/2008 |
Q: Please tell me: - what are the ramifications (pro/cons) of filing vs. not filing an SR-1 report to ...
A: California law requires that a SR-1 form be filed in cases where the damage exceeds $750, or there ...
|
| Homeowner's insurance claim | 9/13/2008 |
Q: I have recently advised my insurance company of a water damage claim, caused by a leaky shower ...
A: Since it appears that the harvest gold motiff is no longer available, State Farm is only responsible ...
|
| Property & Casualty Insurance Courses | 9/11/2008 |
Q: I am located in Virginia, but I am unable to find a reliable company to take the P&C Insurance ...
A: I am located in California and have no knowledge of private schools in Virginia. I'm sure that they ...
|
| Buying insurance on vacation home in trust | 8/28/2008 |
Q: Dad died. Left home and cabin in trust. Home is being sold. Cabin is in Mineral CA 40 mi. E of ...
A: Although I am still licensed (at least till November), I retired from direct selling 10 years ago ...
|
| UIM carrier consent to settle question | 8/24/2008 |
Q: Hopefully you can answer this question. What is the main reason a carrier with potential ...
A: During my 47 years as a licensed Broker, I have never seen any kind of explination of the UIM ...
|
| 2004 toyota camry solara repair estimate | 7/19/2008 |
Q: June 23rd, my car was struck in the right front qtr panel. Other driver at fault, and issued traffic ...
A: There are no rules chiseled in stone, but normally the damage to your car must be at least 75% of ...
|
| Insurance claim | 7/16/2008 |
Q: we own a mobil ehome ( no mortgage) we had a major water leak which ruined 2 rooms and all ...
A: Most companies will simply sent in an adjustor who will write an estimate and then write you a check ...
|
| buy property insurance for 3 months lapsed | 7/15/2008 |
Q: I live in Florida . Both My homeowners & wind insurance policies lapsed on 4/15/08 & 5/18/08 , ...
A: Since you already live in Florida, I don't have to tell you what a mess the insurance programs are ...
|
| Property Insurance | 7/11/2008 |
Q: I'm having trouble locating someone in/near Unicoi Co, TN that can help me obtain insurance for a ...
A: I sent e-mails to several sources on the 10th. I expected a reply by now, but no answer as yet. I ...
|
| Co-Op fire property damage dispute | 4/8/2008 |
Q: My wife and I recently purchased a co-op. We then had a small fire and incurred minimal damage ...
A: If you had activated an insurance policy prior to moving into your new residence, the liability ...
|
| Rental property got fire | 4/6/2008 |
Q: I am landlord have rental home policy for 4flex units. One 4flex building got fire and damaged all 4 ...
A: I found your question in the question pool where it had been dumped because the person that you ...
|
| Personal Injury | 3/30/2008 |
Q: Is it too late to see a doctor for this to be validated? I fell in a hole in a parking lot a week ...
A: Yes, you should go to the ER in Tennessee for observation and have them give you their written ...
|
| Personal Injury | 3/29/2008 |
Q: Is it too late to see a doctor for this to be validated? I fell in a hole in a parking lot a week ...
A: If your injuries are still bothering you, it's not too late. If you injured an ankle or knee, it ...
|
| Liability for damages caused my moving company | 3/17/2008 |
Q: I recently moved out of my apartment in San Francisco to San Diego. I was living in corporate ...
A: Since the moving company was acting as your Agent, you are responsible for their actions. All major ...
|
| PArking garage accident and California SR-1 | 2/29/2008 |
Q: I scraped my car against a concrete pillar in my apartment building's parking garage. The repair ...
A: The state will only accept an SR-1 that is properly executed by your insurance company. If you file ...
|
| In a car accident with lapsed inshurance | 2/12/2008 |
Q: I've read your other answers on similar problems and you have been very informative.Here is my ...
A: In my opinion, you should play the waiting game. If the other party files, you will be notified by ...
|
| How do I handle this?? | 2/7/2008 |
Q: I have been doing childcare for a family for two years. The ten year old boy became angry with me ...
A: It sounds like you have been treated extremely fair by your employers insurance company. The ...
|
| Water Damage on WoodFloors | 1/28/2008 |
Q: We had minor water damage in part of our house.. We have wood floors through out the house and have ...
A: I'm, sorry to learn of the damage to your home. I had a similar problem about one year ago and had ...
|
| HOMEOWNERS INSURANCE | 1/1/2008 |
Q: IS IT A REQUIREMENT BY LAW TO CARRY HOMEOWNERS INSURANCE EVEN WITH A mortgage,IF YOU DONT WHAT ARE ...
A: As long as you have a mortgage, you are required by your lender to carry insurance on the structure. ...
|
| insurance | 12/19/2007 |
Q: I am a single mother with a minor child. I own a condo off right and a new car. I only pay homeowner ...
A: You need to secure a copy of the Homeowners Bylaws and a copy of the HOA insurance policy and ...
|
| settlement and CA DMV SR 1 | 12/4/2007 |
Q: My son was at fault and we decided to settle damages over $1,000 outside of insurance. Insurance ...
A: I am assuming that your younger son just picked up a blank SR-1, filled it out and mailed it to DMV. ...
|
| settlement and CA DMV SR 1 | 12/4/2007 |
Q: My son was at fault and we decided to settle damages over $1,000 outside of insurance. Insurance ...
A: The SR-1 form is not a tool to determine fault and assign any kind of points to either party's ...
|
| shower pan | 12/4/2007 |
Q: i have walls that are falling apart in my shower and the moisture is going into my bedroom closet. i ...
A: I'm sorry to hear of your problem. It sounds like it's going to be a large expense to repair and ...
|
| Hit car on personal property | 11/23/2007 |
Q: I backed into my relatives car at Thanksgiving Dinner. How do i handle this. Do we need a police ...
A: What a sad ending to a great day. Just be thankful it was only minor. Since it was on private ...
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| Payment on Claim | 11/18/2007 |
Q: You assisted me with a question I had with my mother's loss and I was wondering maybe you would be ...
A: I am assuming that your Mother has provided her insurance company with an itemized list of the ...
|
| Water Damaged | 11/16/2007 |
Q: I had roof leak that lead to my bedroom wall soaked up. They opened up the wall and left 3 ...
A: I understand your frustrations about their overbilling. If their original estimate was verbal, they ...
|
| Water Damaged | 11/15/2007 |
Q: I had roof leak that lead to my bedroom wall soaked up. They opened up the wall and left 3 ...
A: These firms are called 'restoration specialists', and they are the only ones that will even respond ...
|
| Can a person have double coverages on renters insurance | 11/14/2007 |
Q: I was recommended by a friend to reach out to you about this question that I had -- this is not ...
A: Yes, it's possible to have dual coverage for renters insurance. This occasionally happens when a ...
|
| Am I at fault for this accident? | 11/13/2007 |
Q: I was involved in an accident about a week ago. It was about 11pm at night and the car in front of ...
A: All states have a law that requires that you drive in such a manner to be able to bring your car ...
|
| Vandalism | 11/13/2007 |
Q: Last night my boyfriend and I went to a football game. We had parked in a restaurant parking lot and ...
A: The Comprehensive portion of rhe auto policy only covers thr car and parts that are permenantly ...
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| Buglarized Home | 11/11/2007 |
Q: I hope you can assist with som questions I had regarding my mother's loss. My poor 71 year old ...
A: The standard Homeowners Insurance policy only provides $1,000-$2,500 for unnamed watches, furs and ...
|
| RCV, ACV Difference | 11/8/2007 |
Q: We recently had a burglary at our home. Our insurance company settled with a check equaling about ...
A: The replacement cost coverage for personal property stipulates that you will only be paid ...
|
| Home & Auto Claims for Robbery in AZ | 10/31/2007 |
Q: - My Husband & i were robbed on Sept 15.-07 Theives took alot of electronics, jewery ,personal docs ...
A: First read the declarations sheet of your homeowners policy. If it states that you have Replacement ...
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| homeowner insurance | 10/25/2007 |
Q: I own a single family house in Indiana state. I want to know how much dwelling coverage needed for ...
A: Many factors go into determining the replacement of a home. First consideration is the quality of ...
|
| Does my insurance pay for the other driver's damages? | 10/2/2007 |
Q: I live in michigan. I was recently involved in an auto accident which was primarily my fault. My ...
A: Among the small handful of states that are no-fault, Michigan's plan is totally unique and different ...
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| umbrella policy or increase home/auto liability | 10/1/2007 |
Q: Are there benefits to an umbrella policy as opposed to just increasing the liability in the ...
A: Your umbrella policy provides a minimum of $1,000,000 in addition to your underlying policies which ...
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| Water Damage Claim | 9/11/2007 |
Q: Bennie ...... recently a hot water heater leaked suddenly and caused extensive water damage to the ...
A: It all depends on your particular insurance company, the policy form that you have and the legal ...
|
| Waterfront Property with Dock | 9/9/2007 |
Q: We are in the process of purchasing a water front lot in MD that only has a storage shed on it. It ...
A: ************************* FOLLOW UP ******************** Hi Cristi, I was just reviewing some of my ...
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| burglary | 8/27/2007 |
Q: Bennie, I think I may already know the answer to this, but just want to hear it from someone else. ...
A: I hate to confirm bad news, but you are correct. Without scheduling, all policies set a limit of ...
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| insurance claim | 8/24/2007 |
Q: I would very much appreciate some help in dealing with my insurance company regarding 2 claims. I ...
A: As you have already learned, personal items stolen from your auto are not covered, with the ...
|
| coverage home owners insurance | 8/14/2007 |
Q: Our home was broken into and robbed of over $50,000 in Jewelry, computer and electronic equipment, ...
A: Sorry for the delay, I've been having computer problems today. A homeowners policy covers your owned ...
|
| coverage home owners insurance | 8/12/2007 |
Q: Our home was broken into and robbed of over $50,000 in Jewelry, computer and electronic equipment, ...
A: I find it highly unusual that California Casualty would be treating a 20 year client in such a ...
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| homeowners insurance | 7/20/2007 |
Q: Just got a notice of non-renewal of our homeowners insurance from Universal Texas. They say we are ...
A: Ever since Hurricane Charles, companies have been trying to limit their risks in portions of ...
|
| My Future Wife's Insurance | 7/3/2007 |
Q: I am soon to be married and my fiance and I were looking to consolidate our car insurance. We're ...
A: Since your fiancee was taking the car out of state on a permenant basis, she was legally obligated ...
|
| Named Non Owner Auto policy | 7/1/2007 |
Q: I live in NY and hence do not own my own car. I will be taking an extended trip out West and ...
A: You are correct in your reason why companies do not write comp/collision on an NNO policy...because ...
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| Named Non Owner Auto policy | 6/30/2007 |
Q: I live in NY and hence do not own my own car. I will be taking an extended trip out West and ...
A: I have been licensed since 1964 and never known of a company that wrote Comprehensive & Collision on ...
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| 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: Sorry for the delay in answering your question but I've been out all day. All states have different ...
|
| Semi vacant land...another piece of info | 6/11/2007 |
Q: I forgot one thing on my last questionnaire. To give you some facts: I own my property. The middle ...
A: As I previously stated, it would cost less than $15 (probaboy $3-$7) to add this VACANT land to your ...
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| Semi-Vacant property Insurance | 6/11/2007 |
Q: my name is Janet. Below please find a question and answer you gave back in July of 2003. My question ...
A: As I previously stated, it is possible to purchase liability on a piece of property that has a shed ...
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| Insurance/non owner auto/ rental | 6/6/2007 |
Q: I have a colorado license but live in ohio some of the time with my wife. She has a car that I am a ...
A: I went to both sites and read all the information. Compared to what the car rental agencies charge, ...
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| Insurance/non owner auto/ rental | 6/6/2007 |
Q: I have a colorado license but live in ohio some of the time with my wife. She has a car that I am a ...
A: When you purchase a 'Named Non Owners" policy, it will only provide Bodily Injury, Uninsured ...
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| Homeowners Coverage Question | 6/5/2007 |
Q: My son was riding his bike near out house and struck a car (a Lexus unfortunately). The repair bill ...
A: Under most Homeowners policies, if the child is under age 14 and this was not a deliberate act, then ...
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| Homeowners Coverage Question | 6/5/2007 |
Q: My son was riding his bike near out house and struck a car (a Lexus unfortunately). The repair bill ...
A: How old is your son? In most cases, the insurance companies don't attempt recovery if the bike ...
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| auto property damage | 6/1/2007 |
Q: I have a situation where the claimant's vehicle is totaled and valued between $17,000 - $20,000 - ...
A: The claimant should report the loss to his/her own insurance carrier and have them cover the loss ...
|
| Auto Accident | 5/25/2007 |
Q: I live in Tennessee. I was driving a car owned by another person and had a wreck that totalled the ...
A: Sorry to hear of your misfortune. There are restrictive policies written that only provide coverage ...
|
| Insurance sales for me | 5/22/2007 |
Q: I currently am a small commercial/farm underwriter for a statewide insurance company. I have been ...
A: Within a group of "qualified" prospects, you will find that 95%+ already have insurance and are ...
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| Insurance sales for me | 5/21/2007 |
Q: I currently am a small commercial/farm underwriter for a statewide insurance company. I have been ...
A: Since you have found that life/health is not an exciting field for you (I feel the same way), then ...
|
| Damage caused by a valet driving another vehicle | 5/21/2007 |
Q: I was sitting at a red light in San Francisco and as the light turned green I started to go. At the ...
A: Insurance always follows the car when the driver has permission to drive it. By giving the keys to ...
|
| water damage to the subfloor | 5/20/2007 |
Q: I just painted the interior of my home and after removing my Master Bedroom rug I found that the ...
A: Your policy covers water damage that happens during a rapid period of time (ie: a pipe breaks ...
|
| HelpNeededPropertyLossClaim | 5/13/2007 |
Q: This is lengthy, but so important to my little life right now. please help in any way you are able ...
A: Good morning Ms Johnson, I have read your question 5 times, trying to put everything into ...
|
| Property Insurance ? | 5/4/2007 |
Q: If I had a theft in my home and they took an uninstalled door and an uninstalled window would they ...
A: All HO-3 policies cover building material on your property. I see no reason that your company would ...
|
| Homeowners policy | 4/23/2007 |
Q: Two weeks ago shunks invaided my home, I was told by my insurance we were covered under our policy ...
A: Every Home Insurance policy that I have read since 1964 specifically EXCLUDES damage caused by WILD ...
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| Cond Master Policy vs. Homeowners 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: Unfortuntly, this is a very common problem and the fault usually falls between both the HOA and the ...
|
| Vacant land insurance | 3/30/2007 |
Q: I read your answer to a question about vacant land ins.. Please give a name and number of any agent ...
A: Dewey, The following is based on the assumption that you are the owner of the property. If this is ...
|
| house fire | 1/10/2007 |
Q: Bennie, thank you so much for your response. I have another question for you. We had our house ...
A: I'm sorry to hear that you are having a problem with the claim, but you must remember that trying to ...
|
| homeowners ins. | 1/9/2007 |
Q: Is it possible to obtain homeowners ins. {contents and property] if my sister is the mortgage holder ...
A: Your question is not quiet clear, so I will cover two scenarios and hope one is correct. If you are ...
|
| Need advice | 1/8/2007 |
Q: I just got my P&C license and I am looking for a decent company to work with.....but do not know ...
A: Congratulations on securing your license, I know it took a lot of hard work. You did not mention ...
|
| zRf=-2; | 12/24/2006 |
Q: I was stopped in a left turn lane. The vehicle in front of me (car 1) turned into and hit an ...
A: The driver of the pickup is just as innocent in this situation as you are. There is no way that you ...
|
| Items not covered by homeowners insurance | 12/12/2006 |
Q: I had a break in to my garage and quite a few items were taken. My garage was locked and was forced ...
A: Autos, auto parts and accessories are never covered by a homeowners policy no matter what location ...
|
| 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: The first thing you need to do is call your Mothers Insurance Company and thoroughly explain the ...
|
| Help with certificate of destruction title | 11/15/2006 |
Q: I have purchased a vehicle from Louisiana couple days ago. It has a certificate of destruction ...
A: Such a certificate is not issued on a whim. There has to be a very logical reason. My assumption ...
|
| Left lane change collision | 10/11/2006 |
Q: The other day I was involved in a collision where I and another driver were merging into our ...
A: It sounds like you are trying to deal directly with her Insurance company and they are tossing the ...
|
| Auto Insurance - CA 51% at fault for traveling at an "unsafe distance" | 9/28/2006 |
Q: My girlfriend was recently involved in a car accident. Specifically, "vehicle 1" (which she was ...
A: The percentage of fault assigned to a driver in California is not as relevant as it was 15+ years ...
|
| damage to house due to movement | 9/14/2006 |
Q: we have lived in this house for the last 14 years, it was built in the 70's, on a hill in ...
A: All Homeowners Insurance policies specificaly EXCLUDE landslide, land shifting and land settlement. ...
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| Fault determination (Auto) | 9/8/2006 |
Q: Was in a rental vehicle on freeway. I changed from fast lane to the lane to my right. Another car ...
A: This situation is highly unusual. It is extremely rare that a police officer will issue a ticket or ...
|
| deck railngs | 9/4/2006 |
Q: My local building code requires only 28* in height, whereas most other specify 36"-40". Can I get ...
A: I'm a little confused. Your first question seemed to insunuate that you actually had 28" railings ...
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| deck railngs | 9/2/2006 |
Q: My local building code requires only 28* in height, whereas most other specify 36"-40". Can I get ...
A: Since your railing conforms to local building codes, I see no reason this would affect your ability ...
|
| house insurance | 8/31/2006 |
Q: My neighbor has a tree leaning on my house. What can I do since they will not remove it?
A: Unfortunately, you don't have a lot of options since the neighbor is being uncooperative. You have ...
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| Total Loss/Car not Properly Registered | 8/25/2006 |
Q: I think I have a fairly tricky question for you but it may be obvious. My insurance company totaled ...
A: Discuss everything with your insurance company first! It may be possible to do a "hidden transfer". ...
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| Umbrella coverage | 8/24/2006 |
Q: I had to register and insure an auto in Florida because it is garaged there. My Connecticut auto and ...
A: I think your company is being a little heavy handed. I wrote many policies under this kind of ...
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| Hit by car no insurance from my part | 8/15/2006 |
Q: I got hit rear-ended by a car yesterday. I have no insurcane but the perons who hit me had ...
A: The fact that you do not have insurance has no bearing on your legal right to recover damages from ...
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| Tenant Occupied Dwelling (DP-1) | 8/14/2006 |
Q: If tenant is injured on the premises where do we pick up coverage if there is no med pay coverage? ...
A: There is never med pay coverage for the occupant of the residence, whether it is the owner or the ...
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| tree and auto | 8/10/2006 |
Q: A tree on my property fell crushing an antique auto owned by my mother in law. She lives with us ...
A: Since your mother in law only has liability insurance, her policy will not provide coverage. Even ...
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| PA auto insurance | 8/2/2006 |
Q: I did something stupid. I bought My 15 year old son a car to work on as a hobby. I pay $100 a month ...
A: You do not need to insure a car that is off the street and parked on private property. Your state ...
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| Insurance for Vacation Property | 6/18/2006 |
Q: I currently have my vacation property insurance with my primary residents carrier. I want to rent ...
A: This is a highly unusual situation. The majority of Insurance Companies will allow you to rent your ...
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| homeowners claim | 6/10/2006 |
Q: We have filed a claim for water damage. It was in the kitchen and went into our living room(which ...
A: Once the bank signs the check and you deposit it in your account, you may use any firm that you ...
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| Renting primary residence | 5/23/2006 |
Q: We have our primary residence on the SE Georgia coast. 2 1/2 years after purchasing the Georgia ...
A: The majority of Insurance Companies will allow you to rent your primary home for part of the year as ...
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| Seasonal renters | 5/16/2006 |
Q: We have almost exactly the same problem as Laurie who wrote on 03/23. However, this is our primary ...
A: I apologize for the delay in answering your question. The notification from allexperts went to my ...
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| auto insurance | 5/7/2006 |
Q: I live in PA. Have a 1995 VW Jetta, 64,00 miles; going to keep it as long as I can. Am I wasting my ...
A: 64K miles is considered very low mileage for a 12 year old car (about 120K would be normal). I know ...
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| Homeowners insurance | 4/25/2006 |
Q: I am looking for some information as to fees paid by home insurance firms to their agents and ...
A: The commission paid to the broker varies between companies, but the most common is a 10% commission ...
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| Insurance dispute - Toledo, Ohio | 4/25/2006 |
Q: Insurance dispute We own a farm in the country. It was vandalized and the vandals took the aluminum ...
A: I have been a licensed Property and Casualty Insurance Broker for almost 42 years and have never ...
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| Insurance for gold & silver bullion | 4/22/2006 |
Q: Bennia, In the last few months I have accumulated a considerable amount of gold and silver ...
A: Your Gold and Silver COINS can be insured by your homeowners policy for an extra charge based on ...
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| Insurance for seasonal rental cottage | 3/23/2006 |
Q: Last fall, my husband and I purchased a seasonal cottage as a vacation home on the ocean in Maine. ...
A: You are correct about needing a different type of policy due to the change in usage. You need what ...
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| auto claim settlement | 3/14/2006 |
Q: I was just in an auto accident; it was the other guys fault. It was a head on collision and in my ...
A: Your own policy will (If you have the proper coverages) pay your medical bills and car rental ...
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| Liability Coverage | 3/7/2006 |
Q: My child will be attending graduate school in the fall (2006). She needs to rent an apartment, but ...
A: If you rent or lease the apartment in your name then the primary liability rests on your shoulders. ...
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| car hit by a bike rider | 2/22/2006 |
Q: My car was hit by a kid on a bike while we were leaving a department store here in Maryland. ...
A: This comes under the collision portion of the policy. It would seem logical that you should be able ...
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| Broken glass range top | 2/21/2006 |
Q: We bought a new free standing oven/range about a year ago. It's the type with a glass top. My ...
A: You probably have a $250 or $500 dedictible. On this basis, it's not worth the bother of having a ...
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| Personal Loss Claim | 2/9/2006 |
Q: I hope you can help my wife and I out. We owned our first home for less tahn 1 week and it was ...
A: I'm sorry to hear of your misfortune and the problems that you are having with your home insurance. ...
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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: If you haven't already done so, my first suggestion is that you check your city/county ordinances to ...
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| Tree on Neighbors power line | 1/16/2006 |
Q: As the result of a strong line of storms and high winds that blew through a pine tree in my front ...
A: I don't know what state you live in, but in California, the utility company would not make any ...
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| Auto Insurance Claim | 1/5/2006 |
Q: I actually do not have rental coverage with a deductible of $1,000 (estimate was $1,200). So it ...
A: Generally, when dealing through your own company, they require that you pay the (large) deductable ...
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| Auto Insurance Claim | 1/5/2006 |
Q: I was rear-ended on Christmas Eve. The guy originally wanted to pay but disappeared after I gave ...
A: The very best way to handle this situation is to deal with your own company. Under these ...
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| Umbrella Insurance for Co Owners of a Rental Property | 12/22/2005 |
Q: I own primary home in California. We also own two condos in the state of California which are rented ...
A: Yes, it is very important to verify that the base policy on the condo/townhouse is the names of all ...
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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: Sounds like you might have bent one of the "tie" rods leading to the wheel. This causes ...
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| Car accident | 9/18/2005 |
Q: My wife was driving this morning, and was hit by a man leaving church. He was issued a ticket for ...
A: Sorry to hear of your wife's misfortune, hope no one was injured. Yes, you do need to contact AARP ...
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| car ins. | 9/13/2005 |
Q: My wife and I recently bought our leased honda accord. The guy at the dealership said now that we ...
A: Your Insurance Agent is correct, the cost of Insurance is not based upon buying or leasing. When you ...
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| Combined Libility? Auto Insurance | 8/17/2005 |
Q: Recently I was talking with my auto insurance agent and they mentioned going with a policy that had ...
A: The policy that you mention is commonly referred to as a Single Limit Liability Policy. It lumps ...
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| Auto Insurance | 8/11/2005 |
Q: I am covered as a secondary driver under my parents' car insurance. If I were to drive another car ...
A: Under the standard policy issued by the majority of Insurance companies there is coverage for the ...
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| New homeowner, ac/heating unit failed | 8/10/2005 |
Q: My century 21 insurance, good for the first year, covered about 1/2 the cost of my replacement ...
A: I assume that you mean that 21st Century Real Estate provided a 1 year warranty on the home that you ...
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| Home owners fence Question | 6/21/2005 |
Q: Heres the situation and question. A terrible line of storms flew through our neighborhood and ...
A: I sincerely apologize for the delay in responding to your question. I recently had a heart attack ...
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| auto insurance | 3/30/2005 |
Q: I am buying my teenage daughter a car. My ex-wife says she can get a cheaper premium on her ...
A: In order to be on your ex's policy and receive the multi-car discount, the car CAN NOT be solely in ...
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| auto warranty | 12/19/2004 |
Q: I am thinking of purchasing an extended auto warranty. What are the advantages and disadvantages of ...
A: My personal feelings on this issue have changed over the years as the quality of workmanship for new ...
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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: As a general rule, most homeowners have a $1,000 clause for Guest Medical Payments. So, assuming ...
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| Is it Attorney Malpractice. | 9/14/2004 |
Q: Five months ago, i lent my car to a friend. He was involved in a car accident with my car and hired ...
A: H Taryn, Contact your own Insurance Company, they should be able to provide some assistance. Also ...
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| depreciation of car 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: Everything depends on the Insurance laws in the state where the accident occured. A majority of the ...
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| ---------------------------thganks... | 8/2/2004 |
Q: ---------------------------thganks but maybe i can show my insurance card as proof eventhough i'm ...
A: Yom, As I previously stated, when you have to show proof of Insurance, It goes into detail. There ...
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| --thganks but maybe i can... | 8/1/2004 |
Q: --thganks but maybe i can show my insurance card as proof eventhough i'm not listed ( i am only ...
A: Yom, Anytime that you have to show proof of Insurance, The court or Motor Vehicle Department will ...
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| i was hit form behind by a... | 7/26/2004 |
Q: i was hit form behind by a truck in new york state and at the time my policy where i was the ...
A: You are facing several problems: 1. If you persue this matter with his Insurance Company, they will ...
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| drivers on auto policy | 6/20/2004 |
Q: I keep hearing friends all handle this in different ways and I'm confused. Daughters are away at ...
A: Practice varies betwen companies, but the 2 main methods are: 1. If the children are at least 150 ...
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| Insurance on rental property | 6/16/2004 |
Q: Yes the mobile home was once my primary residence until about a month ago. The mobile home is ...
A: I'm now 100% positive that you have the wrong type of policy. It's hard to tell which way the costs ...
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| Insurance on rental property | 6/15/2004 |
Q: I was just noticed that on my insurance policy for my rental property which is a mobile home that ...
A: Was your Mobile Home once a primary or secondary residence that you later switched to a rental and ...
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| Cancelling coverage of one vehicle | 6/14/2004 |
Q: I am from Massachusetts. I sold the second car on my policy over one month ago. Whan I called the ...
A: Massachusetts was one of the first mandatory insurance states and one of the few left that require ...
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| lot ownership | 6/8/2004 |
Q: I own a lot in a condo campground that I put a fifth wheel trailer on for the season. The lot is in ...
A: Any licensed Insurance Broker in New Hampshire should be able to write you a Liability policy on the ...
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| Home Insurance | 5/11/2004 |
Q: Greetings from a fellow "all Expert" (Walt Disney World) I have a question regarding homeowners ...
A: Practically all Insurance Companies offer a clause called "Home Replacement Cost Guarantee". This ...
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| insurance | 4/20/2004 |
Q: I have a question that im concerned with, i live in NY and i was on vacation in JANUARY, 3 months ...
A: You do not have to report the accident to New York. You need to secure and keep a copy of the ...
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| Homeowners Insurance | 4/19/2004 |
Q: We had water damage to a home and were informed that our policy did not cover it. We were also told ...
A: I think that you need a more knowledgeable agent. Preferablly within the same company so you won't ...
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| auto ins. | 4/14/2004 |
Q: I was recently in an auto accicent. Red light violation. Both parties claiming the other at fault. I ...
A: A lot depends on the laws of your state of residence. Many states have a "contributory negligence" ...
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| Auto Insurance | 4/14/2004 |
Q: Bennie719, I've been a Master's Degree student for three years and haven't carried any auto ...
A: Copmrehensive, which includes fire, theft, vandalism,glass breakage etc., can be added to a ...
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| Extended warranty auto insurance | 1/17/2004 |
Q: Bennie, I would appreciate your help and or opinions on extended warranty plans for automobiles. My ...
A: Yes, it's true. The age of the car (year model) and the odometer reading at the time of purchase ...
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| Texas Uninsured Motorists Claim | 12/7/2003 |
Q: My 76 year old mother was in a car accident on the freeway 2 weeks ago. She was taken to the ...
A: Under the legal definition of Uninsured Motorists, the other driver must be identified first and ...
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| Auto comprehensive and collision insurance. | 10/28/2003 |
Q: I have a paid-for 1997 Saturn wagon, which I bought new. It has 21,000 miles on it to date. I park ...
A: You didn't mention where you live or the exact model and equipment on your Saturn. In the SF Bay ...
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| homeowners insuance | 10/15/2003 |
Q: I HAD A FIRE IN MY HOME AND THERE WAS SERVRE SMOKE DAMAGE. SHOULD I HAVE MY INSURANCE COMPANY ...
A: Since cleaning the electronics was adequate in the opinion of the insurance company, you shouldn't ...
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| protecting assets | 8/14/2003 |
Q: I'm not sure if I'm in the right section but I have a generic question in terms of what are some ...
A: Your use of the term 'frivolous' means a law suit that has no merit. Basically, in such cases you ...
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| umbrella insurance | 8/10/2003 |
Q: My house is fully paid and it cost in the 200s at present. I have two new expensive cars. This is ...
A: I think that securing the extra protection was a wise decision on your part. Your wife should be ...
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| glass breakage | 7/22/2003 |
Q: I just found the right rear (passenger's door) window busted in my Isuzu Trooper. Is this covered. I ...
A: The Comprehensive portion of an Insurance Policy covers Window breakage, Fire, Theft, Vandalism etc. ...
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| Vacant land insurance | 7/13/2003 |
Q: I recently purchased a 40 acre parcel of land which I hope to build on several years from now. It ...
A: If you presently have a homeowners or renters insurance policy, there is a strong possibility that ...
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| diminished value | 7/7/2003 |
Q: What is the formula for diminished value in the state of Georgia? I have heard that there is a ...
A: There really is not a formula. Bottom line, you want as much as possible and the claims adjustor ...
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| Property loss | 7/1/2003 |
Q: I own an apartment building. A few days ago, a pipe burst in a basement apartment and a few inches ...
A: I seriously doubt that you bear any liability for the tenants damaged property and doubt that your ...
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| homeowners insurance | 6/23/2003 |
Q: I am purchasing a home for the first time. What types of coverage do I need to make sure are ...
A: Congratulations on acheiving the American dream. Enjoy. I reccommend that you get a policy with ...
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| Non-renewal of our Homeowners' Policy | 4/30/2003 |
Q: First let me apoligize for what I know is going to BE a long one--I'll be unable to resist venting a ...
A: Before I start answering your question I want to give a little advise. In the future, before ...
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| HOME AND AUTO INSURANCE | 3/6/2003 |
Q: I AM FROM OHIO. MY HOME AND AUTO INSURANCE IS PAID YEARLY AND WAS UP SEPT, 10, 2002. WE NEVER ...
A: I can't think of anything good to say about your agent. He has certainly failed in his duties to ...
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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: As they say, you learn something new every day. In my 37 years of actively being in the business ...
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| Fooring-Wall Water Damage | 3/3/2003 |
Q: I had a contractor in to install ceramic tile in my kichen and bathrooms. He pointed out water ...
A: I see no problem with your allowing the work to continue. After all, all these problems must be ...
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| auto insurance | 2/24/2003 |
Q: I reside in Texas and currently have the following coverage for myself and my two daughters, Katie ...
A: I apologize for the delay in responding, however, there was a problem of some type beyond my control ...
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