In a case of word vs word and no witness or other proof on either side, the insurance company has a responsibility to their insured and must take their version of the accident, in which case, they would deny the claim to the other party in the accident. what if the at fault driver admits her fault but insists to settle outside of her insurance, but meanwhile refuses to pay for the damages
I would take the person who caused your accident to small claims court. Make sure you have all your paper work in order and can state your case.
You only need to report it if you are expecting some compensation.,
He can get an assigned risk policy from any auto insurance company.
yes. you can sue an at fault driver if his insurance company refuses to pay your claim. it would not be proper to sue the insurance company.
Most companies do not require you to report the accident to your own insurance company, but if you later find out the person did not have valid insurance or the other insurance company refuses to pay and then you later have to file a claim on your policy, it will slow down the claim process. Plus, each state has a statute on the time limit you have to file a claim and want it to be covered.
If your contractor refuses to give you copies or originals of the insurance papers, contact the insurance company themselves. If the insurance company name is not known, call the state you live in to inquire.
That's your insurance companies problem, let them deal direct with them on your behalf (their job) and the two can decide which one pays. Just get some estimates and have the deductible ready.
Generally you first file an accident report and file a claim with the insurer. You would not need to consult an attorney at all unless the insurance company refuses to cover your loss.
The insurance company will pay you the worth of your car minus your deductible.
Many health insurance companies offer what is called "Pay and Chase". Meaning, your health insurance company will pay your hospital claims and chase the automotive insurance for the rest of the money. It is possible that you may have this type of plan. If that is not a possibility to you, you could entertain the possibility of legal action. It might be far less costly and stressful to contact your insurance company first.
Insurance Policy Information is covered by the Federal privacy act. You will have to ask them for their insurance information, If you have been involved in an accident and the other party refuses to release that information to you and you have a bonifide claim, Then you have the option to sue the responsible party and have the court order the information to be released to you.
Yes, It's part of your insurance contract that you signed when you applied for coverage. All insurance contract terms require that a statement be given by any and all parties regardless of age so that the Insurance Company can determine who is at fault. Refusal of a statement can cause you to be found liable by default of your insurance contract. It makes you sound guilty as you seem to have something to hide. It's usually the at fault party who is is afraid or refuses to give a statement. In these circumstances you will generally be determined at fault and will be entered in your insurance record and you insurer will have to pay the other party for all damages up to your policy limit. Refusal to honor the terms of your contract by not giving an accident statement can also cause your insurer to cancel your policy and you may have difficulty finding another insurance company in the future as your driving record will indicate that you are uncooperative and you have violated the terms your previous insurance contract.
Are you asking about transmission problems that someone hit you while in park? Or that you didnt have money to fix it and asked the insurance company to help? If its the first scenario, you will need proof that the damage done to your transmission was a direct result from that accident. If its the second one, your insurance doesnt have to pay anything, as that's what warranties are for, not insurance policies.
No. Homeowners insurance does not provide coverage for routine expected plumbing maintenance issues. However, If you have "Accidental Water Discharge" coverage on your policy, then you will be covered for resulting damages from the overflow but not for the actual plumbing repairs needed. If you have damages that resulted from the overflow, once you have made the required plumbing repairs the company will invoke the damage coverage. If you do not make the necessary plumbing repair then the insurance company will not fix the other damages that resulted from it. The reasoning is that if the homeowner refuses to maintain the home, then this is a moral hazard (negligence) on the part of the homeowner and the damages that result from lack of maintenance will be ongoing.
Insurance fraud takes place whenever an individual takes action to receive benefits that they are not due. Classic examples of this may be burning down an insured house to collect the damages, or killing a spouse to collect life insurance. These are extreme examples, but they demonstrate the basic concept of fraudulently collecting insurance. Inversely, insurance fraud occurs when a company providing coverage refuses to pay out when the terms requiring payment are met. Recently the insurance company Aflac was accused of neglecting to pay out the claims incurred during the earthquake that shook Japan.
Your contract with the tradesman is between "You and the Contractor", He did not contract with your insurance company. All the insurance company did is agree to pay the bill for you. So you would need to bring your own civil or criminal action against your contractor depending on the circumstances.
I hope you got a police report. If not call the PD and ask them if it's too late to file a report, some will do one weeks after as long as both parties agree it occurred. Second, appeal to your insurance company to file the claim under uninsured motorist insurance (you SHOULD have it). If all else fails, all you can do is go to small claims court.
Generally speaking, the person responsible for the accident is responsible for the damage. If the responsible person refuses to pay ot doesn't pay fast enough, the other can sue them if they wish.
There is usually no need to file a suit. You just notify your insurer of your loss. That's what you bought insurance for. If they determine the neighbor is liable for your damages, the insurer will subrogate from the neighbor. If your insurer refuses to pay for your loss and you are convinced your neighbor is liable for the fire and resulting damages, then you might consider a suit. Bear in mind that just because the fire started on your neighbors side, doesn't necessarily mean that they started the fire themselves or are financially liable for it. I would also recommend to contact your insurance company ASAP.
If your home is/was mortgaged - the insurance MUST be in effect as protection to the mortgage holder. The insurance company is just making sure that you are not cancelling what is MANDATORY coverage to save yourself some money.
You may want to contact your health insurance business office and find out the reason for the refusal to pay for treatment. Each insurance company has their own rules and regulations regarding what they will cover.
You can sue for damages. Document everything you can. Then seek legal counsel.
Yes, You will need to file a form 515A with your auto insurer. The form 515A excludes your child or any other person from all coverage afforded under your auto insurance policy. Bear in mind, that once the Form 515A has been filed, There would be no coverage if the excluded person is later involved in an accident in one of your vehicles regardless of the reason they were driving. The exclusion applies to liability for damages and injuries to others as well as damage to the vehicle being driven. If your agent refuses or declines to provide you the form 515A, you can submit the form directly to the insurance company, bypassing the agent or alternatively just find another company that will allow the exclusion.
In Australia you would have to take him through a small claims court. and have him pay the cost for the legals as well. if you have the money to start of with.