Comments on: General Insurance Claim Questions http://www.insuranceclaimhelp.org Helping consumers maximize their insurance claims. Fri, 03 Sep 2010 17:37:06 +0000 http://wordpress.org/?v=2.9.2 hourly 1 By: admin http://www.insuranceclaimhelp.org/general-insurance-claim-questions/comment-page-2/#comment-18878 admin Wed, 18 Aug 2010 05:45:10 +0000 http://www.insuranceclaimhelp.org/?page_id=21#comment-18878 Trisha, Well first find an expert who will say that lightening can hit a car with rubber wheels, because all I have ever heard is that you are safe in a car. Then maybe get a weatherman from a TV station who will say there could have been lightening on that day? And it may be that the "burden to disprove" the claim is on the insurer since the auto policy comprehensive coverage says "we cover everything other than collision." Trisha,

Well first find an expert who will say that lightening can hit a car with rubber wheels, because all I have ever heard is that you are safe in a car. Then maybe get a weatherman from a TV station who will say there could have been lightening on that day? And it may be that the “burden to disprove” the claim is on the insurer since the auto policy comprehensive coverage says “we cover everything other than collision.”

]]> By: Trisha http://www.insuranceclaimhelp.org/general-insurance-claim-questions/comment-page-2/#comment-18465 Trisha Wed, 11 Aug 2010 23:54:09 +0000 http://www.insuranceclaimhelp.org/?page_id=21#comment-18465 My son was driving home from work in a storm and lightning hit the driver side mirror, blew the mirror itself out along with a small panel on the inside of the door, and disabled the car. It wouldn't start, interior lights, windows, etc would not work...but battery had to be disconnected to turn the headlights off. The spot where the mirror was connected is charred looking and our son had a hard time hearing for a couple of days due to the sound of the strike. Long story short...the insurance adjuster now says that unless we can prove there was a storm with lightning they will deny the claim. How do you prove that sort of thing? My son was driving home from work in a storm and lightning hit the driver side mirror, blew the mirror itself out along with a small panel on the inside of the door, and disabled the car. It wouldn’t start, interior lights, windows, etc would not work…but battery had to be disconnected to turn the headlights off. The spot where the mirror was connected is charred looking and our son had a hard time hearing for a couple of days due to the sound of the strike. Long story short…the insurance adjuster now says that unless we can prove there was a storm with lightning they will deny the claim. How do you prove that sort of thing?

]]> By: tony http://www.insuranceclaimhelp.org/general-insurance-claim-questions/comment-page-2/#comment-16320 tony Wed, 14 Jul 2010 12:42:26 +0000 http://www.insuranceclaimhelp.org/?page_id=21#comment-16320 my daudater was in a motorcycle acciendent she was not at fault. she had comp only so the other insurance company is paying . her bike was a complete lost. she broke her leg cant work , or drive her truck , it is a stick shift. the drivers insurance copmany has totaled her bike , provided her with a car, they contacted her a week ago , informed her the bike was a complete lost but did not give her amount for settlelment, wanted promission to pick up the bike , she said no , not with out a amount for the bike . told her that she had three days to return the car , and told her that she had to pay storage from that point on to the shop where the bike is . it was over a week from that point that the insurance company gave her a amount, is this legal. please help thanks tony my daudater was in a motorcycle acciendent she was not at fault. she had comp only so the other insurance company is paying . her bike was a complete lost. she broke her leg cant work , or drive her truck , it is a stick shift. the drivers insurance copmany has totaled her bike , provided her with a car, they contacted her a week ago , informed her the bike was a complete lost but did not give her amount for settlelment, wanted promission to pick up the bike , she said no , not with out a amount for the bike . told her that she had three days to return the car , and told her that she had to pay storage from that point on to the shop where the bike is . it was over a week from that point that the insurance company gave her a amount, is this legal. please help
thanks tony

]]> By: admin http://www.insuranceclaimhelp.org/general-insurance-claim-questions/comment-page-2/#comment-15646 admin Tue, 06 Jul 2010 05:21:35 +0000 http://www.insuranceclaimhelp.org/?page_id=21#comment-15646 Matthew, IMO, he can sue in small claims court for negligence for as long as your state allows. I myself would not turn in such a small claim to insurance. Matthew,
IMO, he can sue in small claims court for negligence for as long as your state allows. I myself would not turn in such a small claim to insurance.

]]> By: Matthew http://www.insuranceclaimhelp.org/general-insurance-claim-questions/comment-page-2/#comment-15569 Matthew Mon, 05 Jul 2010 08:31:24 +0000 http://www.insuranceclaimhelp.org/?page_id=21#comment-15569 Dear All. I was recently at a BBQ party where i was helping to erect a tent with the other party goers. I accidentally hit someone in the forehead with a tentpole resulting in a small cut and a scratch on his glasses. I was very apologetic and offerd to pay for the damages but the person insisted that there was no need, it was an accident and he was wealthy enough to pay for it and said this in front of witnesses. Two days later he has changed his mind and now wants my insurance details. Can i now refuse to compensate him? Dear All.

I was recently at a BBQ party where i was helping to erect a tent with the other party goers. I accidentally hit someone in the forehead with a tentpole resulting in a small cut and a scratch on his glasses. I was very apologetic and offerd to pay for the damages but the person insisted that there was no need, it was an accident and he was wealthy enough to pay for it and said this in front of witnesses. Two days later he has changed his mind and now wants my insurance details. Can i now refuse to compensate him?

]]> By: admin http://www.insuranceclaimhelp.org/general-insurance-claim-questions/comment-page-2/#comment-14413 admin Mon, 21 Jun 2010 22:44:12 +0000 http://www.insuranceclaimhelp.org/?page_id=21#comment-14413 Dina, Should be covered under comprehensive. But you will need the mechanic to put his opinion in writing. This is unusual. Was the car plugged into the house electrical system? Exactly how could lightning get the car? I thought cars being on rubber tires should be immune from lightening? Dina,
Should be covered under comprehensive. But you will need the mechanic to put his opinion in writing. This is unusual. Was the car plugged into the house electrical system? Exactly how could lightning get the car? I thought cars being on rubber tires should be immune from lightening?

]]> By: admin http://www.insuranceclaimhelp.org/general-insurance-claim-questions/comment-page-1/#comment-14412 admin Mon, 21 Jun 2010 22:39:57 +0000 http://www.insuranceclaimhelp.org/?page_id=21#comment-14412 Sally, They may pay you based as a total loss, but you can still keep the car and repair it. For extensive details on how to do this without getting burned get one of the eBooks at UClaim.com on Total loss Auto. Sally,
They may pay you based as a total loss, but you can still keep the car and repair it. For extensive details on how to do this without getting burned get one of the eBooks at UClaim.com on Total loss Auto.

]]> By: Sally Edwards http://www.insuranceclaimhelp.org/general-insurance-claim-questions/comment-page-1/#comment-13963 Sally Edwards Wed, 16 Jun 2010 17:27:59 +0000 http://www.insuranceclaimhelp.org/?page_id=21#comment-13963 Hi I had a accident at the beginning of the month. A car drove into my drivers side wing dented and scratted and scratted bumper. He admitted liability. My insurance company called today and as the damage is nearly as much as the car value they said it was a write off. I was at work and couldn't talk properly so they are calling me back on Friday. Can I insist on getting 3 off my own quotes to have the vehicle repaired? I am fully comprehensive and am claiming against the other parties insurance. My vehicle is a ford fiesta S reg. Please any advise. Many thanks. Hi I had a accident at the beginning of the month. A car drove into my drivers side wing dented and scratted and scratted bumper. He admitted liability. My insurance company called today and as the damage is nearly as much as the car value they said it was a write off. I was at work and couldn’t talk properly so they are calling me back on Friday. Can I insist on getting 3 off my own quotes to have the vehicle repaired? I am fully comprehensive and am claiming against the other parties insurance. My vehicle is a ford fiesta S reg.
Please any advise. Many thanks.

]]> By: Dina http://www.insuranceclaimhelp.org/general-insurance-claim-questions/comment-page-1/#comment-13778 Dina Mon, 14 Jun 2010 14:41:19 +0000 http://www.insuranceclaimhelp.org/?page_id=21#comment-13778 We had lighting hit our home a year ago and had to replace the AC and Electrical box in our house. Now my car has been giving us one serious problem after another and the mechanic feels that it was from an eletrical surge. The damage to the car is the brain of the transmission and the brain of the car amoung some other things. Would an electrical surge be covered under car insurance? The mechanic is saying there is nothing else he can do to fix the car. We had lighting hit our home a year ago and had to replace the AC and Electrical box in our house. Now my car has been giving us one serious problem after another and the mechanic feels that it was from an eletrical surge. The damage to the car is the brain of the transmission and the brain of the car amoung some other things. Would an electrical surge be covered under car insurance? The mechanic is saying there is nothing else he can do to fix the car.

]]> By: admin http://www.insuranceclaimhelp.org/general-insurance-claim-questions/comment-page-1/#comment-13385 admin Wed, 09 Jun 2010 06:28:44 +0000 http://www.insuranceclaimhelp.org/?page_id=21#comment-13385 Bradley, Insurance won't cover wear and tear. You will have to sue the seller for making false representation. Bradley,

Insurance won’t cover wear and tear. You will have to sue the seller for making false representation.

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