Comments on: Common Insurance Claim Questions (FAQ) http://www.insuranceclaimhelp.org Helping consumers maximize their insurance claims. Wed, 08 Feb 2012 00:47:36 +0000 hourly 1 By: Jason http://www.insuranceclaimhelp.org/insurance-claims-questions/comment-page-3/#comment-61473 Jason Tue, 24 Jan 2012 21:09:15 +0000 http://www.insuranceclaimhelp.org/?page_id=30#comment-61473 L Githu, You are likely paid ACV for your damaged property. I will create a short explanation for you to understand. Let's say the following things were damaged: 50 inch screen tv - 4 yrs old w/ACV of $100 17 inch laptop - 5 years old w/ACV of $80 computer desk - 40 years old W/ACV of $200 lazyboy rocker reciner - 3 years old w/ACV of $100 A 120 gallon stand-up air compressor 40 year old w/ACV of $150 and a whole bunch of other things Well, if you replaced the 50 inch flat screen tv you could do that for about $800 and collect the difference between the $100 the amount they already paid you and the actual cost of the set to gain an extra $700. If you replaced the 17 inch laptop with one that is comparable for $600, you get to get an additional $520 just by replacing it. If you replaced the computer desk with an equivalent solid wood one like it was for $1200 you would be able to get an additional $1000 to purchase the replacement. If you replaced the la-z-boy rocker for $700, you would be able collect an additional $600 after you make that single purchase. If you replaced the 120 gallon stand up air compressor for $800, you would be able to collect an extra $650 for the price differential. his would not clutter your house and you would have items that are brand new and the insurance owes this to you to replace these items with new ones. You don't have to replace all your belongings but choose wisely. By doing what I just suggested you do, you would collect an additional $3470 that your insurance company owes you and you would be exactly within your rights to do what I'm suggested. Let me further clarify. It the insurance company indicates your other 32 inch television is only valued at $300 to replace it, the most you will be able to receive is a total of $300 (besides what they already gave you). That is the same with everything. If you want more specific information write to us at the orange lettered e-mail at the top of this page starting with complete. We will attempt to maximize your insurance benefit without cluttering your house again. L Githu,
You are likely paid ACV for your damaged property. I will create a short explanation for you to understand. Let’s say the following things were damaged:
50 inch screen tv – 4 yrs old w/ACV of $100
17 inch laptop – 5 years old w/ACV of $80
computer desk – 40 years old W/ACV of $200
lazyboy rocker reciner – 3 years old w/ACV of $100
A 120 gallon stand-up air compressor 40 year old w/ACV of $150
and a whole bunch of other things

Well, if you replaced the 50 inch flat screen tv you could do that for about $800 and collect the difference between the $100 the amount they already paid you and the actual cost of the set to gain an extra $700.

If you replaced the 17 inch laptop with one that is comparable for $600, you get to get an additional $520 just by replacing it.

If you replaced the computer desk with an equivalent solid wood one like it was for $1200 you would be able to get an additional $1000 to purchase the replacement.

If you replaced the la-z-boy rocker for $700, you would be able collect an additional $600 after you make that single purchase.

If you replaced the 120 gallon stand up air compressor for $800, you would be able to collect an extra $650 for the price differential.

his would not clutter your house and you would have items that are brand new and the insurance owes this to you to replace these items with new ones. You don’t have to replace all your belongings but choose wisely.

By doing what I just suggested you do, you would collect an additional $3470 that your insurance company owes you and you would be exactly within your rights to do what I’m suggested.

Let me further clarify. It the insurance company indicates your other 32 inch television is only valued at $300 to replace it, the most you will be able to receive is a total of $300 (besides what they already gave you). That is the same with everything.

If you want more specific information write to us at the orange lettered e-mail at the top of this page starting with complete. We will attempt to maximize your insurance benefit without cluttering your house again.

]]> By: L Githu http://www.insuranceclaimhelp.org/insurance-claims-questions/comment-page-3/#comment-61384 L Githu Tue, 24 Jan 2012 05:39:19 +0000 http://www.insuranceclaimhelp.org/?page_id=30#comment-61384 We recently had a house fire. Our contents were insured and we just got 2 checks totaling 120,000 dollars. Our question is this....we don't want to spend all that money b/c we don't want to replace everything that was in our too cluttered house. Some sites I have read say not to send any receipts in, though i know the agent is expecting them. If the money isn't spent and verified thru recpts by a certain time, do we have to return it? Could we use it for other things, like paying our mortgage down? It just seems like a daunting task to go out and spend so much money replacing stuff that we'd rather not and have the money for later. thanks, lg We recently had a house fire. Our contents were insured and we just got 2 checks totaling 120,000 dollars.
Our question is this….we don’t want to spend all that money b/c we don’t want to replace everything that was in our too cluttered house. Some sites I have read say not to send any receipts in, though i know the agent is expecting them.
If the money isn’t spent and verified thru recpts by a certain time, do we have to return it?
Could we use it for other things, like paying our mortgage down? It just seems like a daunting task to go out and spend so much money replacing stuff that we’d rather not and have the money for later.
thanks,
lg

]]> By: CJ http://www.insuranceclaimhelp.org/insurance-claims-questions/comment-page-3/#comment-61330 CJ Mon, 23 Jan 2012 23:05:34 +0000 http://www.insuranceclaimhelp.org/?page_id=30#comment-61330 I wrote SNEAK ATTACK. Gotta love word checker I wrote SNEAK ATTACK. Gotta love word checker

]]> By: CJ http://www.insuranceclaimhelp.org/insurance-claims-questions/comment-page-3/#comment-61328 CJ Mon, 23 Jan 2012 23:02:23 +0000 http://www.insuranceclaimhelp.org/?page_id=30#comment-61328 I was involved in a one vehicle accident trying to avoid 5 alpacas standing in the road at night when I rolled my vehicle on Oct. 6, 2011. The adjuster contacted me 3 weeks after the accident. I was assured phonetically by my adjuster several times in the last 60+ days that considering that I have been dealing with injury to my child and myself, and that I have been a caretaker of my terminally I'll mother who requires 24/7 hands-on care, that I could send my comps for my truck when I get the chance, I returned home last night to find a check from my insurance company for "owner retained salvage value". When I contacted my adjuster this morning, she said the insurance company, Farm Bureau, had just sent me a certified letter separately from the regular mail check explaining it. The adjuster had full knowledge that I have been staying with my parents for over 9 months and so should have known I would not be home to sign for a certified letter. She forwarded by email a copy of the letter to me this morning which read that the insurance company was "forced to settle for owner retained value due to lack of communication from me". In addition, they moved my truck from a local wrecking yard to a salvage yard in El Paso, Texas that is associated with them. The letter states that I now have less than 5 working days to abandon my dying mother in her last days/ weeks and drive across the border from Las Cruces, NM to El Paso to deal with my truck at the salvage yard where they moved it to, or the vehicle will be considered abandoned. I had emailed a list of 8 or 9 comps to the adjuster January 12th which she claims to have not received so I re-emailed the list to her today. The adjuster has not even asked me yet about property that was in the vehicle and lost/damaged, much less settled with me on value, but conversely has been assuring me that she understood my circumstances and that it was OK to get my researched comps to her when I could. Not once has any individual in the insurance company indicated that while assuring me all is well that they would take this snake-in-the-grass approach with a snak attack from behind. What to do?? Thanks much, CJ I was involved in a one vehicle accident trying to avoid 5 alpacas standing in the road at night when I rolled my vehicle on Oct. 6, 2011. The adjuster contacted me 3 weeks after the accident. I was assured phonetically by my adjuster several times in the last 60+ days that considering that I have been dealing with injury to my child and myself, and that I have been a caretaker of my terminally I’ll mother who requires 24/7 hands-on care, that I could send my comps for my truck when I get the chance, I returned home last night to find a check from my insurance company for “owner retained salvage value”. When I contacted my adjuster this morning, she said the insurance company, Farm Bureau, had just sent me a certified letter separately from the regular mail check explaining it. The adjuster had full knowledge that I have been staying with my parents for over 9 months and so should have known I would not be home to sign for a certified letter. She forwarded by email a copy of the letter to me this morning which read that the insurance company was “forced to settle for owner retained value due to lack of communication from me”. In addition, they moved my truck from a local wrecking yard to a salvage yard in El Paso, Texas that is associated with them. The letter states that I now have less than 5 working days to abandon my dying mother in her last days/ weeks and drive across the border from Las Cruces, NM to El Paso to deal with my truck at the salvage yard where they moved it to, or the vehicle will be considered abandoned.
I had emailed a list of 8 or 9 comps to the adjuster January 12th which she claims to have not received so I re-emailed the list to her today.
The adjuster has not even asked me yet about property that was in the vehicle and lost/damaged, much less settled with me on value, but conversely has been assuring me that she understood my circumstances and that it was OK to get my researched comps to her when I could. Not once has any individual in the insurance company indicated that while assuring me all is well that they would take this snake-in-the-grass approach with a snak attack from behind.
What to do??
Thanks much,
CJ

]]> By: Jason http://www.insuranceclaimhelp.org/insurance-claims-questions/comment-page-3/#comment-61070 Jason Sat, 21 Jan 2012 20:42:37 +0000 http://www.insuranceclaimhelp.org/?page_id=30#comment-61070 Michael,' You solution is rather simple. I have a donation area in the upper right had of this page. I am simply asking people who pose their questions to pose their donation to receive the answer to their question or questions. Michael,’
You solution is rather simple. I have a donation area in the upper right had of this page. I am simply asking people who pose their questions to pose their donation to receive the answer to their question or questions.

]]> By: Jason http://www.insuranceclaimhelp.org/insurance-claims-questions/comment-page-3/#comment-61069 Jason Sat, 21 Jan 2012 20:38:24 +0000 http://www.insuranceclaimhelp.org/?page_id=30#comment-61069 Trunks, If you want to review annd the answers I provide on here, you may do that. I a refraining from provinging more advice on here unless the person posting the question(s) also suggests a contribution they will donate in line with the information they seek. Trunks,
If you want to review annd the answers I provide on here, you may do that. I a refraining from provinging more advice on here unless the person posting the question(s) also suggests a contribution they will donate in line with the information they seek.

]]> By: Trunks http://www.insuranceclaimhelp.org/insurance-claims-questions/comment-page-3/#comment-60965 Trunks Sat, 21 Jan 2012 06:33:23 +0000 http://www.insuranceclaimhelp.org/?page_id=30#comment-60965 I was invovled in an accident in early october 2011. I was parked and about to get out of my vehicle in a very awkward position. The car T-boned my car trying to back out, was going back rather aggressively fast, the impact caught me as i was leaning out(im 6foot+ in a 2door honda) and i hit my head pretty hard and shoulder on my window. now at the time i felt nothing but a soreness in my shoulder and a headache from it that night, and i have no health insurance, im 22 and in college so paying for those visits were out of the question and i never went. Im now having reoccurring headaches on frequent levels some have forced me to stay home at times. and my shoulder gives sharp pains sometimes when moving in certain positions around my deltoid area that was impacted. Ive never experienced either of these. The accident rendered my car semi-immobile due to a broken intake compartment that was located under the vehicle and was out of sight during the accident. and I cant smog it in CA with that broken piece. ok. so with school and such in my way during this it took a complete backburner to my physics courses. I found rides to and from school and now I am off of winter because no one taking my course with me lives close to my place so i was forced to drop... originally i was going to settle it with her out of pocket. we both agreed. at the time it didn't seem as though the dmg was that bad but internally my window mech was broken,intake compartment was dangling off some how and eventually had to be taken off to prevent a road hazard, not to mentions the dents and dings. So I finally get back to the at faultee and she wanted me to take it to her preferred mechanic before any of mine, but my mother has taken it to her trusted mechanics one is at her job for a bus company and the other is a guy who works out of his garage for time being at our church..its currently at the latter in limbo awaiting instruction of what to do. Shes now asking for an estimate, in which my mom didn't get she just wrote down the stuff he was telling her was damaged as he checked it out first. I can only get it towed once to the spot of fixing. unless she wants to pay. my quesitons are: Have I waited too long? and since shes now taking it up with her insurer do i try to call her insurance first to make sure my statement is there and to tell them that i actually did feel some phyiscal damage from it and want to check to make sure im ok? The last time i was hit it was much less stressful they issued me a check for going to the doctors and to pay for fixing my car. how do i make it so she can do this and we can be done with this before my next classes start? Can I deal with her adjuster instead of beating around the bush with her? if i do and tell him my truthful side of the story, what will she be able to do and If she is hiding anything (such as not her driving at the time of accident.) from them should i go on ahead and spill it to her insurer or let her deal with it? If when i call her insurer will her adjuster need to come out and see the car or pics of it after the accident, seeing as its been this long? and last but not least. all this aside int he name of legally saving ones own behind, if she flat out pulls a fast one calls the insurance and files it making it impossible for me to open the actual claim? someone please help with this. im in limbo along with my car. I want to be able to get back to her on this asap last we spoke she was awaiting a fax and email of the damage. I was invovled in an accident in early october 2011. I was parked and about to get out of my vehicle in a very awkward position. The car T-boned my car trying to back out, was going back rather aggressively fast, the impact caught me as i was leaning out(im 6foot+ in a 2door honda) and i hit my head pretty hard and shoulder on my window. now at the time i felt nothing but a soreness in my shoulder and a headache from it that night, and i have no health insurance, im 22 and in college so paying for those visits were out of the question and i never went. Im now having reoccurring headaches on frequent levels some have forced me to stay home at times. and my shoulder gives sharp pains sometimes when moving in certain positions around my deltoid area that was impacted. Ive never experienced either of these. The accident rendered my car semi-immobile due to a broken intake compartment that was located under the vehicle and was out of sight during the accident. and I cant smog it in CA with that broken piece.
ok. so with school and such in my way during this it took a complete backburner to my physics courses. I found rides to and from school and now I am off of winter because no one taking my course with me lives close to my place so i was forced to drop… originally i was going to settle it with her out of pocket.
we both agreed. at the time it didn’t seem as though the dmg was that bad but internally my window mech was broken,intake compartment was dangling off some how and eventually had to be taken off to prevent a road hazard, not to mentions the dents and dings. So I finally get back to the at faultee and she wanted me to take it to her preferred mechanic before any of mine, but my mother has taken it to her trusted mechanics one is at her job for a bus company and the other is a guy who works out of his garage for time being at our church..its currently at the latter in limbo awaiting instruction of what to do. Shes now asking for an estimate, in which my mom didn’t get she just wrote down the stuff he was telling her was damaged as he checked it out first. I can only get it towed once to the spot of fixing. unless she wants to pay.

my quesitons are:
Have I waited too long? and since shes now taking it up with her insurer do i try to call her insurance first to make sure my statement is there and to tell them that i actually did feel some phyiscal damage from it and want to check to make sure im ok?

The last time i was hit it was much less stressful they issued me a check for going to the doctors and to pay for fixing my car. how do i make it so she can do this and we can be done with this before my next classes start?

Can I deal with her adjuster instead of beating around the bush with her? if i do and tell him my truthful side of the story, what will she be able to do and If she is hiding anything (such as not her driving at the time of accident.) from them should i go on ahead and spill it to her insurer or let her deal with it?

If when i call her insurer will her adjuster need to come out and see the car or pics of it after the accident, seeing as its been this long?

and last but not least. all this aside int he name of legally saving ones own behind, if she flat out pulls a fast one calls the insurance and files it making it impossible for me to open the actual claim?

someone please help with this. im in limbo along with my car. I want to be able to get back to her on this asap last we spoke she was awaiting a fax and email of the damage.

]]> By: Michael http://www.insuranceclaimhelp.org/insurance-claims-questions/comment-page-3/#comment-60601 Michael Thu, 19 Jan 2012 16:56:57 +0000 http://www.insuranceclaimhelp.org/?page_id=30#comment-60601 I am the owner of a vehicle but was temporarily allowing a companion to use it with the understanding that he would be responcible and keep it insured for that time period. The vehicle was ultimately totalled in a house fire where we lived. The insurance company, not wanting to deal with this small claim, made the check out to us both and pretty much said "you figure it out". I knew very well that he would just take the money and not repair my vehicle. The result was neither he nor I would endorse the check. This happened 10 months ago. I've asked the insurance company to compensate me on my vehicle. Afterall, that's what insurance is for. What are my rights? He no longer has interest in the claim but never signed over the check out of spite. This was not his primary source of transportation. Is it that unreasonable for the insurance company to reissue a check to ME, as the owner of the damaged vehicle they insured?? I am the owner of a vehicle but was temporarily allowing a companion to use it with the understanding that he would be responcible and keep it insured for that time period. The vehicle was ultimately totalled in a house fire where we lived. The insurance company, not wanting to deal with this small claim, made the check out to us both and pretty much said “you figure it out”. I knew very well that he would just take the money and not repair my vehicle. The result was neither he nor I would endorse the check. This happened 10 months ago. I’ve asked the insurance company to compensate me on my vehicle. Afterall, that’s what insurance is for. What are my rights? He no longer has interest in the claim but never signed over the check out of spite. This was not his primary source of transportation. Is it that unreasonable for the insurance company to reissue a check to ME, as the owner of the damaged vehicle they insured??

]]> By: Jason http://www.insuranceclaimhelp.org/insurance-claims-questions/comment-page-3/#comment-60413 Jason Wed, 18 Jan 2012 17:13:23 +0000 http://www.insuranceclaimhelp.org/?page_id=30#comment-60413 Mohd Matllob, We are not able to comprehend you post. Please post it again in a manner that makes sense to what you are trying to relay. Thank you. Mohd Matllob,
We are not able to comprehend you post. Please post it again in a manner that makes sense to what you are trying to relay. Thank you.

]]> By: Jason http://www.insuranceclaimhelp.org/insurance-claims-questions/comment-page-3/#comment-60412 Jason Wed, 18 Jan 2012 17:11:17 +0000 http://www.insuranceclaimhelp.org/?page_id=30#comment-60412 Orlando, Perhaps your deductible is $1000. Did you check into that? Because you settled with your insurance company, your insurance company now owns all the legal rights to pursue a claim from the person and their insurance company that rear ended you. Did you cash the check? Instead of leaving a messaged for someone at USAA to call you back, stay on the line until you are able to talk to the adjuster, the adjuster's manager, or the adjuster's manager's manager. Orlando,
Perhaps your deductible is $1000. Did you check into that?

Because you settled with your insurance company, your insurance company now owns all the legal rights to pursue a claim from the person and their insurance company that rear ended you. Did you cash the check?

Instead of leaving a messaged for someone at USAA to call you back, stay on the line until you are able to talk to the adjuster, the adjuster’s manager, or the adjuster’s manager’s manager.

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