Q: I was involved in a car crash (formerly called a car accident) and I was injured. I need medical treatment but do not have medical insurance. Who is responsible for paying the bills and providing me treatment? A: The…
Posts Categorized In: Claims
FAQ: Can filing a homeowners claim be a bad idea?
This came from a reader and you can read it here. Answer: Yes. If you have a low deductible, you may think you should file smaller claims. However, as discussed in this article from United Policyholders, there is a phenomenon…
FAQ: Which insurance pays for the damage?
Q: I lent my car to someone. He got in a car wreck. Which insurance pays: his or mine or both? A: The answer is not both! You are only entitled to be paid once for the damage to your…
FAQ: What is fair market value?
Q: What is fair market value? How does it differ from the depreciated amount? A: Fair market value is the cost to replace the item in its pre-loss condition. So, if the item is a 4 year old 40″ tv,…
FAQ: Who pays my hospital bill?
Q: I was in an accident. I have a hospital bill of $5,000. Who pays the bill? A: As for getting the bill paid, you have a few choices: A – If you qualify, Medi-Cal will pay. B – If…
FREE REPORT – What to do after an auto accident
An auto accident is one of the scarier things that will happen to you. After an accident, most people exchange information or call the police. But, these few minutes can have a huge impact on your rights and the result….
The 3 D’s for insurance companies
Delay, deny, defend. This is the mantra of the claims department. Delay the claim as long as possible (some even trying to delay you until after your statute of limitations has run). Deny the claim. If a lawsuit is filed,…
FAQ: My adult child was in an accident. Can I be liable?
Q: My adult child was driving a friend’s car when he was involved in a car collision. He lives at home with me. Can they sue me? A: Generally, no. In California, the owner of a car can normally be…
FAQ: I was paid for my car. Can I get more?
Q: I was paid for damage to my car two years ago. The other person’s insurance company would not pay for my rental car. Is it too late to get paid for this? A: The statute of limitations for property…
Car Crashes Leading Cause of Teen Deaths
The NY Times reported that car crashes are the leading cause of teenage deaths. According to the American Academy of Pediatrics, motor vehicle accidents contribute to the deaths of 5,500 teenage drivers or passengers each year. The crash rate among…