Insurance Claim Problem

Insurance Claim Problem?

Nov 04, 2009 by Layla | Posted in Insurance & Registration

I lack everyones help on this. I had switched my previous insurance and purchased an online Insurance policy (which I heavily deplore) on the 16th and was active on the 17th, there has been a hail storm in our area last month on the 16th and 17th of last month, luckily I wasnt in the locality that the hail storm happened on the 16th, however I was hit with it on the 17th, the problem comes to play when I called in for a claim everything went smoothly the adjuster reviewed the photos of the car when the insurance was purchased and the action terms and so he set up to have me meet with the appraiser the appraiser estimated the damages and faxed all info to the adjuster, once this happened i was proficient to receive check to go fix my vehicle now here is where the problem starts... I take my car to get fixed at the bodyshop and the bodyshop states that they desperate straits to have a supplement because what the insurance company offered me was not enough money, so basicly they fax the paperwork to the insurance and calls are made to the insurance and over a few days at long last the insurance company states their excuses stating that I never had full coverage insurance (which I do have and was verfied from my agent who sold it to me) and that they are impotent to approve the supplement, so it gets denied... now over the next few days i get word because the bodyshop calls the insurance plc and then the insurance company basicly states that they are still not going cover the supplement because the bodyshop added further stuff like replacement of the hood and new moldings which the insurance company stated that it was not needed... now over the periods of the next few days the histrionics even gets deeper, I contacted the insurance per the bodyshop request to see why they cannot give supplement to bodyshop, I was advised that the adjuster no longer works for the visitors and that my call had to be transferred to one of their managers, so once I get on the line I was told that basicly my policy has been cancelled out and that they seem that the claim put in was false because my car had previous hail damage according to what she said she reviewed the photos and said that the signal must have occured before my insurance was active which is completely wrong, I mean the city did not hail in every part of the conurbation on the 16th I was luckily not to be around a certain area but when the 17th rolled around I happened to get hit by a few (not too major), but point here is they said that the insurance claim for glorify damage was false and basicly they cancelled out my policy and reported it to the state of tx and right officials and they stated the check they sent out to me they had overlooked it and it even though it was a mistake, she said she could not put a prevent payment on the check and that i can use this too fix my car or cashout and repeatedly stated "you should consider yourself opportune" to have that check... however Ive been pretty upset at the fact of what I have been put through this whole ordeal with the insurance business been lied to, and then majorly put into a position that is untrue.. What advise can anyone give me on this?. Thank you for reading.
with the incorrect accusations from the insruance company out about false claim and them reporting it to tx state officials, what can I do to of this? what happens here? I mean I know everything is true on my part I was sent out a check by the adjuster after the revewal age on my car, and they tell me Im still able to fix it with that check.

Moped Insurance Claim Problem.. Please Read And Give Advice !!?

Feb 12, 2009 by Ryan I | Posted in Insurance & Registration

Hi, i had a 49cc baotian bt49 moped stolen from case my home just before christmas. It was insured under third party fire and theft so as you do when you get something stolen you put in a claim which i did. The theif that nicked it was driving around my compass on it and was seen several times but when i told the police they told me i wasnt able to kncok them off it ect because it would of landed me in a pressure of trouble. Little did i no after 14 days of the bike being stolen from outside my national it got found by the police burnt out. Now after about 3 weeks of me filing the claim i got a letter of my insurers ( Rampdale/KGM ) saying that there will be no claim on this happening as it is my own fault due to lack of care and attention ( supposidly ) and that the bike was with a recovery proprietorship, clocking up charges of £ 10 storeage a day. Now previous to this worry about weather i would have to pay the storage obligation or not i got told by my insurance that all costs to the recovery company will be paid for by them ( my insurers ).

Anyway me thinking i was effective to be accepted for my claim i went and bought a new 49cc moped and was told that i could transfer my policy over onto this new moped that i had bought, but then they face round and said, " oh no sorry we cannot transfer this policy over onto your new bike because its in the mid of being in a claim ". So i had to then pay over £ 400 for a new policy ( and lost my no claims ) which ment it went up from head to toe a bit seen's as my first policy was only in the
£ 300 bracket. Then however after getting the new moped insured under the same insurers i got a line 3 months after the OLD moped was burnt out i received a letter on 11th feb 09 telling me that my scheme on the old bike did not make a valid claim so therefore i my self owe them £ 200 in storage fees as they have paid the redemption company the money that was owed from them picking it up from the scene where it was burnt out from. But what i dont penetrate is i was told that all the costs to the recovery/salvage company would be paid for under my insurance policy and that i did not have to get grey hair and now all of a sudden im left with a £ 200 instant fine that i have to pay them back within 14 days? It sounds like ive been ripped off formerly larboard right and center with this insurance company so there are a few questions that i wanted to know if any one could help me with.

1.) Do i have to pay this £ 200 that they are asking for, for the bettering of the moped

2.) Even though i lost my no claims and the price went up on my new policy do i still loose it even though they havent paid out ?

3.) What would be the consquences if the £ 200 wasnt paid back to them?

4.) And what do i do about the design on my old bike? they are still taking money out of the bank for it do i cancel it or what?

Please help us on this one because like i said i don't no what they are playing at but surley this carnt all be precise? ... I've been told ive got 14 days from the 11th feb to respond. Oh and i can apparanlty pay for the costs £ 15 a week? But should i have to do this??

Please eschew,
Thanks....

Okay, I'm in the US, but most of this should be the same:

1) Theoretically you are obligated to pay the tow yard for the storage costs incurred. It's growing to keep rising the longer it's there.

2) Not sure if I understand this one. You seem to be asking if your accident/claims representation will show "no claims". Over here, claims don't count until something is paid out.

3) If the tow yard isn't paid for the storage, they will blow the whistle on the moped, then bill you for the storage costs. They will send it out to a collection agency. Storage costs can normally be negotiated. The tow yard would rather get something than nothing.

4) Cancel your old policy, have them pro-rate your premium back to the date that it was stolen. You should have a the fuzz report to confirm the date that the moped was nicked. The insurance company should refund you any unfamiliar with premium from this date forward.

Good luck.

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