Some websites say the average water damage insurance claim is $7,500 including drying and reconstruction.
An insurance claims adjuster is a person who decides how much money their company is going to give you for your loss.AnswerAn insurance claims adjuster is a person who coordinates damage reports, loss and damage repair estimates to assist the insurance company in determining the monetary value or repair cost of your loss.
Not generally. If the repair man is responsible for damage, he is also responsible to repair it.
Contact your insurance company to see if they can repair your damage for free and get the bikers insurance details and their name and adddress if your insurance needs them.
I assume that you mean his bicycle and not a motorcycle or motor scooter. If you mean bicycle the answer is no, your auto policy will not cover the damage to the other persons vehicle. Your homeowners insurance may have coverage that would take care of this type of damage. I would recommend that find out what it will take to repair the damage and attempt to pay for it yourself without having to make a claim on your homeowners insurance. You want to try to not make small claims on your insurance if at all possible.
Damage must be due to a covered cause for the damage to be claimed on your homeowners insurance. I cannot think of any way damage to a sewer could be from a covered cause.
No. that's what Auto Insurance is for. Home insurance covers damage to your home from wind, hail, fire, lightning etc. Likewise, your auto insurance, comprehensive coverage would repair wind, fire, hail and lightning related damage to your vehicle.
If the previous damage would be fixed by the repair of the current damage, there should be no cost to you. For instance, replacement of the bumper would essentially be a repair of any previous dings you had on it. If they are just replacing paint and you have previous dents then they do not have to repair the dents without your paying for it.
Yes. It's unusual, but not illegal. I did this a couple of years ago, to keep my insurance payments down. Sometimes bodyshops and such are set up just to deal with insurance claims, so you will need to explain that you are paying out of your own pocket (usually by bank check) but they were pretty friendly about it.
Replace or repair all damaged as specified in your policy.
55 dollars
Auto insurance consists of both liability insurance and physical damage coverage. Collision coverage is part of the physical damage section of an insurance policy and is designed to either repair or replace your vehicle if you are involved in an accident up to the fair market value of the vehicle. Collision will pay for both damages caused in an at-fault accident and damages caused in a not at-fault accident if the other party did not have insurance. If the other party did have insurance and they were responsible for the damages, the other party's liability insurance would pay for your vehicle damages through Property Damage coverage. You are responsible to pay for your collision deductible for at-fault accidents before a claims payout will be made.
Sure. If the cost to repair is more than the actual cash value, then yes.