They have made final settlement and you can do what you like with the money.
If you decide at some stage to change insurers, you are only insured for damage which occurs after the new insurance commences. Your previous claims history will, in all probability, be passed on to your new insurers by your previous insurers.
If I were you I would get it because you never know who is going to be in there and if they damage something you will be covered. If there is nothing in there that is expensive and you could replace stuff when they leave you should do that.
Yes, but generally at Actual cash value (either market value or replacement cost minus depreciation) instead of replacement cost. However, the insurance company will generally pay to reconstruct at another location.
Do the work, the claim is going to count against you now that a check was issued. You should not have filed if you did not intend to do the work.
When starting a new organization, one must decide upon the business entity they wish to engage in right away. One must not continue on until they decide this information.
First you decide if you want to be a captive agency(selling mostly one kind of insurance) or an independent agency. Then you have to get liscensing, training, experience, and begin building a client base.
Take your police report of the damage to your insurance broker, with the name of the carrier of the master policy insurer for the association. The brokers and insurers can decide who pays for the damage. There is no standard answer to your query.
Yes, they can. The fact that they have no insurance and the Police were not called has no bearing. If they do decide to claim for any injuries, your insurance company will scrutinize it, but not necessarily deny it.
No, an insurance company can not force you to rebuild your house after a fire. They can tell you how much they are willing to offer you for the damage on your home. At that point you can decide whether to rebuild or move.
Builders liability insurance protects builders from laws suits. If damage happens while the builder is working on a home it protects him should the homeowner decide to sue. It also protects the builder in the event an employee should injure themselves and decide to sue.
Insurers use the "Blue Book" value, and factor in mileage and any previous damage, etc. Just as if it were a "trade in".
You would discuss this with your insurance company. They are the ones to decide if and how much to pay the claimant and your input could help.
Fault is important in deciding several factors. In an accident, fault could decide who pays for damage, or which insurance company and driver might be sued in the event of a court case.
If I were you I would get it because you never know who is going to be in there and if they damage something you will be covered. If there is nothing in there that is expensive and you could replace stuff when they leave you should do that.
Probably not. If the other driver doesn't have any damage and didn't take any information from you then you are left with the damage to your car and you can decide to live with that or make a claim on your own insurance policy for that damage, if you have collision coverage. If you damage is minor I would probably not make a claim on your policy.
Yes.Added: It is management's prerogative to do anything they like (as long as it is not unlawful). It is YOUR prerogative to decide whether, or not, to continue working there.
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The choice of whether to continue or discontinue a pregnancy is something you must decide for yourself. The earlier you are in your pregnancy, the simpler it is to have an abortion. You can safely have an abortion at any age. Speaking with someone at Planned Parenthood or another abortion provider can help you decide which course of action is best for you, even if you choose to continue your pregnancy.