Other Insurance Claims
Have a question about other types of insurance claims? Post it here for our contributors to answer. Questions under 100 words are more likely to receive an answer.
Have a question about other types of insurance claims? Post it here for our contributors to answer. Questions under 100 words are more likely to receive an answer.
September 28th, 2008 at 3:20 pm #nancy
What about travel insurance? My foster son has been having horrible sensory problems and is in a study at the University and would not be able to tolorate flying in a plane. We have cancelled our trip ( other family memeber going has to have hip replacement) and we got all these forms and confused by it all. With Dr. sign off will we get some of our money back or will they fight this all the way?
September 29th, 2008 at 1:44 am #admin
Hello Nancy,
Are you saying you had to cancel a flight because of a medical emergency and you are making a claim to the airline to refund the ticket cost? If so, all I know about this is that I have heard that some airlines will give a discount or a free flight to go to a funeral if you provide a copy of a death certificate.
Normally “travel insurance” is something you pay extra for when you buy a travel ticket, and it does refund the ticket money if you have a medical problem. Did you buy travel insurance?
I’d also think that if they sent you claim forms to fill out that maybe you do have the insurance. That’s good. Let your doctor fill in the form and see what happens.
November 28th, 2009 at 5:42 pm #Sandy
Golden Eagle! do they pay out claims quickly? I was injured at a place of bussiness, this month went to emergency very bad! Tec Shot,two A/B’s I don’t wont an atty but! was told by the Ins Company I don’t need one it will just make the case go slower.
I have all the med records, that I got from Hospital and my Doc info bill, I have wage lost that was submitted also.
Question, I would like to have this close before Xmas, do you think this will happen?
November 29th, 2009 at 6:38 pm #admin
Sandy,
If you want it closed before Christmas, you will probably get low-balled. If you want the most money, you should get a lawyer and wait a year if necessary for your money.
January 6th, 2010 at 5:18 pm #charles gookin
i have a homeowners 2 policy with a personal property endorsement for
my camera equipment.this endorsement is an inland marine coverage im-206 (09-08) on christmas morning i loaded my car to visit my son and his
children i placed my camera bag on the ground behind my car and went back into my house to check for additionl items and forgot the camera
equipment.i then returned to my car and backed over the camera equipment doing $8,520 damage.
all equipment was scheduled and there is no deductable.i insured this way under the understanding that i was insured for all risk and replacement cost.
the insurance company is elling me that the loss is to be determined at time of loss and actional cash value.
i would appreciate your comments.
thank you
charles gookin
January 8th, 2010 at 1:42 am #admin
Charles,
You will need to read the endorsement for yourself. While it may be excusable not to read your main HO2 policy book word for word, I think most courts would expect you to read a 1 page endorsement to confirm your expectations at the time you purchased the endorsement. Not all personal property floaters read exactly the same for all companies.
FYI, even most HO3 policies pay acv on contents unless you get an RCV endorsement. So thats all the more reason to read your camera endorsement before a claim.
June 12th, 2010 at 7:17 am #Joe
Dear Admin
Iam a UK citizen with a DBA policy provided by ESIS ACE. I have a spinal injury which occurred whilst protecting USACE in Iraq 2007 and am currently being paid monthly by them as well as my medical bills taken care of by Esis.
My problem is that they will not release a copy of my policy with them. The company I worked for will also not release a copy. I feel it is very strange to have a policy and not know what’s in it. I do not know what my future holds as the insurance company are holding all of the cards as well as my life in their hands.
Your advice would be much appreciated.
Many thanks
Joe
June 13th, 2010 at 11:02 pm #admin
Joe,
contact your government agency that regulates insurance companies and read the regulations for yourself. if they say you are not the policy holder, but you paid the premiums, you or your lawyer should look for case law that gives you policyholder rights.