I get a lot of people who have questions about an insurance claim and do not understand why the claim is handled in a certain manner. Sometimes, the potential client has misunderstood. Sometimes, the adjuster has made a mistake. Sometimes,…
Posts Categorized In: Claims
Uninsured and in a collision: What happens?
What happens if you are in a collision and you have no insurance? Here is the story of how things happen. Driver A (the other guy) turns a claim in to his insurance company. They pay for his damage. They…
New York Times: Insurance Coverage Article
The New York Times wrote a great piece on car insurance for modified cars. (Look for the quote from me.) The introduction to the piece sums it up nicely: Few drivers realize that aftermarket parts are generally not insured, so…
FAQ: Where does 1/3 of the settlement go?
I have been asked lately about how a settlement breaks down. A lot of people seem to think that there is about 1/3 of the settlement that they never see. Let me see if I can help. When you settle…
Telemarketers and Collisions: YUCK!
Well, I was going to use a stronger word, but decided against it since this is a family blog. WOAI in San Antonio has a story on its website about telemarketers who call people who have been in collisions and…
Health Insurance Reimbursement
There is always a question of whether you need to reimburse your health insurer after a collision. The basic scenario: you are struck by another driver. You go to the doctor. Your health insurer pays for your treatment. They then…
Diminished Value of Your Car
Everyone knows the old saying that a car is worth less after a collision. (Notice I am not calling it an auto accident anymore. Why? An accident just happens. A collision is someone’s fault. When two cars collide, it is…
Allstate turns over documents – well, some
I wrote a week ago about Allstate’s refusal to turn over documents to Florida regulators and the subsequent banning of Allstate from writing policies. The ban lasted a day until Florida’s Appeals Court overturned it. Yesterday, Allstate turned over documents….
Farmers, Small Claims Court and SHEESH!
Farmers Insurance is at it again! Yep, good old Farmers. Farmers, apparently, “Gets you back where you belong.” Well, maybe it should be “Gets in you the back all along.” (Hmmm….anyone see a future career writing jingles? I have a…
New Article on Filing a Claim
The Sacramento Bee wrote a story yesterday about the true price of filing an insurance claim. The story, which can be found here, quotes yours truly. The Bee had readers write in with questions about filing a homeowners insurance claim….