Homeowner's Insurance

Can the insurance company replace an item instead of paying for it?


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2011-07-20 07:12:32
2011-07-20 07:12:32
Replacement coverageYes, Most insurance policies do indicate that the Insurance company will indemnify you either by compensating your monetarily for your loss or by replacement of the item with a similar or same one of like kind and quality.

Related Questions

than your car is totaled and your insurance company just pays you a dollar amount instead of paying for the repairs... assuming you have insurance

The answer for whatever exam you are taking is "premium".

No, as long as you have let your insurance company know they car is stolen.

Generally no. Please provide more details. Are you paying the premium?

American empire insurance company is a good insurance company with a rating of A+ based on their financial strength, claim paying ability. It has a great customer services crew as well.

An insurance company generally does not pay the lien holder directly. The vehicle owner is responsible for paying for insurance coverage and will often deal with the insurance company themselves after a collision has taken place.

Certainly, doctors and hospitals will be perfectly happy to be paid by you directly rather than by an insurance company; the only problem with paying out of pocket is that there may not be enough money in your pocket. But if there is, that's not a problem.

The insurance company usually has the final say because they are in charge of paying out any damages. In essence, the insurance company usually takes the side of what will cause them to pay out the least amount of money.

There are many places that replace windshields. You may consider calling your insurance company and seeing if its covered and if so, where they suggest. If you still are paying on your car and got it from a dealer, they may replace them. There are also local glass places that will come out to your house and replace them onsite.

Report the claim anyways. Tell the truth and let the insurance company decide how to proceed. Remember, if you are paying for the insurance, you should expect claims to be paid if you have the coverage.

You will use the estimate from whichever insurance company that is paying out on the claim. The adjuster from that insurance company will be the final decider.

Yes, especially if you want insurance to cover part of the costs involved.

If you have no income, how you will pay the medical insurance premia ? To get medical insurance coverage, you are to show atleast some sort of income to convince the Insurance Company about your premium paying capability.

There is usually a ten day grace period before you insurance is canceled. It is not by the state as much by the policies of the individual insurance company.

I researched this a few weeks ago and found some people saying that BCBS was paying for vascectomy reversals. The best way to find out is to call the insurance company.

No, unless it is due to someone els's liability. As in, someone hit you and your windshield cracked, then it is covered. If you had Comprehensive coverage you would be all set. It depends on whose insurance is paying and what caused the windshield to break. If it's your insurance and a rock chips the windshield and you don't have comp/collision... no.

Most states do not care who pays the deductible, however, if it is a body shop or a contractor who is paying, it may be considered fraud because they sometimes charge the insurance company more to make up the difference.

There are a couple considerations:Yes you can if:The shop you chose is not baned by the paying insurance companyThe insurance company approves the repairing shopThey repairing shop will do the work for the money provided by the insurance companyORYou are willing to pay the remaining amount the insurance company wont cover. I have done this to get a shop I trusted but wanted "To Much Money" for the repair.

Ask the insurance company why they are no longer paying the rental bill. If they have accepted liability the only reason they would stop paying would be due to the repair shop taking excessive time to complete the repairs. (In the insurance company's opinion). Although you will be roped into this, it should be between the insurance company and the body shop. If the insurance company won't budge ask the repair shop to pick up the remainder of the rental bill until repairs are complete. This is common in this industry.

The repo man will not care if your car has insurance or not. If you haven't been paying for your car, the finance company or bank will take their car back.

The Prudential Insurance Company of America PO Box 945623 Atlanta,GA 30394-5623

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