Comments on: Insurance Claim Law

By: vickbob

vickbob — Tue, 07 Feb 2012 17:00:46 +0000

there was a fire in our small town and doing damage to a business of my mother in laws.. there is a lein on the building with the bank and there is another lein showing my husband owes money to the irs and they attached a lein also and a bank that is no longer in business which there is no money owed to them. and one other thing they put another bank on the check which was filed on bankruptcy in 2004. so my question is what can we do we got the check from my mother in laws insurance and it was made out to the bank that she filed bankruptcy on and the irs and the bank that is out of business where there is no money owed to them. so what do we do.

By: Hazel

Hazel — Tue, 07 Feb 2012 04:15:06 +0000

I got rear-ended 2 weeks ago. The other party’s insurance is paying for my car’s repair. Today, I received a check from the adjuster but my last name was misspelled. Is this ok or should I have them resend it with my correct name written on it? Also, what if the amount is not enough for the repairs, will the repair shop contact the insurance for additional payment or I should pay & have it reimbursed?

By: Jason

Jason — Tue, 07 Feb 2012 00:58:27 +0000

Elizabeth,
The most common courtesy thing here to do is notify the owner of the car you were driving that it was in an accident if you haven’t done so already. Perhaps the owner of he car doesn’t have the same intentions as you do so that is why it’s important that the owner know what is going on.

This important to some and you might know what it means but I’m sure more of us don’t so please help us out. When you say “…so they told me nothing could…” — Could you please tell us who “they” are that you referred to?

Again, when you say, …And are they going to ask me…” Who do you mean when you use the term, “they”?

The thing you need to tell people is the truth. If you have insurance, that is what you should let who ever asks you know and if you need to elaborate under which car you have insurance, that might go a long way too.

Again, and I can’t believe I keep having to do this, who do you mean when you say, “…and if I tell them that the car… Who is “them” that you refer to?

By: elizabeth

elizabeth — Mon, 06 Feb 2012 22:25:18 +0000

I have a question. I had a minor accident. In the 23rd I put a claim because the other person was at fault so I wanted the damage repair..so the car I was driving wasn’t under my policy so they told me nothing could be done because the car wasn’t under my policy. Should I call the other persons insurance and make a claim there since it was his faultt? And are they going to ask me if I have insurance and if so what should I say? And if I tell them that the car wasn’t under my policy would they want to fix my car? Someone help me please. Thanks

By: Jason

Jason — Mon, 06 Feb 2012 15:01:18 +0000

Akash,
Please be more specific with what you want. What are norms? What are IRDA’s” and what are survey pls?

By: Akash

Akash — Mon, 06 Feb 2012 11:37:45 +0000

I need norms set by irda for car insurance claim and survey pls if u could help me

By: Jason

Jason — Sun, 05 Feb 2012 17:06:59 +0000

Ellen,
Thanks for the feedback.

By: Jason

Jason — Sun, 05 Feb 2012 16:56:28 +0000

Linda,
Car repairs are expensive. If you are asking if his rates will go up if he files this claim and it’s not his fault, the odds of that are really, really low. If your son was at fault, then your son’s rates would very likely go up.

Taking someone to court is a lot of work and effort and if his insurance pays for the damage, part of his insurance company’s process is to request the at fault driver to pay for the damage that was caused. If the damage is enough to warrant a claims action (suit), the insurance company will do that as well. But if your son wants to do the insurance company’s work instead, he is allowed that option.

By: Linda

Linda — Sun, 05 Feb 2012 03:52:57 +0000

My son was in a car accident today, no one was hurt and minor damage was done to his car. Question is the driver that was at fault had no insurance (Police report was filed) and if my son turns it in on his which is (full coverage) his rates will go up. With it being minor damage he’ll be lucky to get his insurance company to pay any thing after the deductible.Can he take him to small claims court to get him to pay for the damages with out turning it in to his insurance company.

By: Ellen

Ellen — Fri, 03 Feb 2012 14:15:34 +0000

Jason:

Thanks for the response. When you said Military Insurance my heart sank. I forfot! My son was in a serious rollover car accident a few years ago and the driver had USAA. All I wanted for them to do was pay his medical bills. They gave me such a hard time and told me I had to claim it through my medical insurance and they would pay the deductible. I didn’t feel that was right so I ended up getting a lawyer and suing them.

Once I emailed them the pictures of the damage to my bumper, I received a phone call an hour later stating they agree their driver was at fault and is sending me a check in the mail. Glad it’s over and hope I never have to deal with that insurance company EVER again!