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Can You Be Sued Personally At The Same Time Someone Has An Auto Insurance Claim Against You?

Question by russ_0067 | Posted in Insurance & Registration

My spouse was involved in an auto accident last October. The other party submitted a claim to our insurance company this February for intimate injury. The insurance company has determined very little liability and have not been able to come to an unity on the terms of settlement. We have just discovered the other party has filed a personal damage suit against my wife. Can this be done at the same time? Is the insurance company supposed to deal with this? If the other party gets paid by the insurance companionship, would my wife still be liable for damages? What if the insurance company and the other party never come to an agreement? Cure?!

Answer: Surrender over a COPY of any paperwork you receive concerning the lawsuit, to your insurance company. If the insurance company cannot reach an concordat, a mediator will be called in by the courts to settle it. The person cannot progress with a civil trial until the insurance coverage is finished and cannot draw two amounts for what has already been paid to satisfy the claim. (This is assuming damages were paid in full through the insurance.)
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How Much Time Do I Have To File A Insurance Claim Against Someone Who Hit My Parked Car In A Parking Lot?

Question by Brenda C | Posted in Insurance & Registration

Was in the grocery set aside working til late. Came out and someone left there name and all insuance info. They hit the side of my vehicle pulling into a parking margin. Had to go out of town next day to work and just got back. It has been 11 weeks. Can I still file a claim on her insurance? I live in Texas.

Answer: Yes, you can still fill in the claim. Actually, it will take less than 15 minutes. Just call the insurance company and explain the delay.

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When You Receive An Accidental Death/dismemberment Insurance Claim, Do You Claim It Come Tax Time?

Question by lเllร๏๓ค ~_~. | Posted in United States

My husband had a act in '08 and an insurance policy we had was paid out to him. It is to be used for medical bills of course. My puzzle is... Do we have to claim it on our '09 Federal and State Tax Return?
Correction: Do we claim it on our '08 interest?

Answer: You would not scarcity to include benefits received in the form of disability pay, health or accident insurance proceeds unless the strategy is provided by your employer and the benefits are paid out from the employer, then the amount received must be prorated into taxable and nontaxable amounts. The critical requirement is that the reimbursement paid must be for medical expenses.

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Have You Ever Heard Of Qualification At Time Of Claim? How Can Insurance Companies Deny A Claim Like That?

Question by dat | Posted in Insurance

How can an insurance firm deny a life insurance claim after a person has put good faith in that company by paying their premiums? Isn't that felonious?

Answer: When an insurer sells you a practice you have to make certain truthful statements on your application (like you don't smoke). They indecent their actuarial assumptions and quote your premiums based on that statement.

But if you lied on the tactics then there never was a valid contract for the insurance in place.

You don't put any 'good faith' into the company by paying premiums, in occurrence you've acted in 'bad faith' if you try to collect a claim based on a falsehood stated earlier in the programme period.

They have every right to deny the claim. And, every other policyholder of that company should be thankful because it means they would have had to pay more premiums to concealment claims made under false pretenses.

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How Much Time Is Given For Car Insurance Company To Settle A Claim?

Question by asad c | Posted in Insurance & Registration

my car was hit in parking lot and insurance is dragging its feet to study. how much time is officially allowed for this investigation and what are my rights bacause it has been 30 days today. i have a full insurance on this car and insurance assemblage is investigating as a fraud claim!. insurance from metlife!

Answer: Claims being investigated for swindle are under different guidelines than claims that are not being investigated for fraud. and when a claim has been brought into the SIU department that info isn't shared with the bodily being investigated. But when they are brought into SIU, it's for a darn good reason, whether you're committing fraud or not. By law the insurance has to inquire into suspicious claims, whether or not it actually is.

As for what 'cece' recommends, contacting the state...you can do that, that's your choice. But once they are aware your claim is being investigated for fraud--you're done.

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A Homeowners Insurance Claim For Items In The Home At The Time Of Purchase What Is The Best Way To Determine ?

Question by Sarbear | Posted in Insurance

the age of the ingredient for proper replacement cost/depreciation: time in the home or a educated guess?

Answer: Popular cost to replace, less depreciation for age. You're going to be able to ballpark the age of the item.

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The Insurance Denied My Claim But They Failed To Respond Within The Time Period Specified. Is The A Default?

Question by Tawny Angel | Posted in Insurance & Registration

My claim was denied on the principle that the claimed item was not covered in the contract. However the insurance company did not respond to my claim within the time patch specified in the contract. Which clause in the contract comes first? They did however responded within 90 days from the first filing to their ultimate response. Is the 90-day period a limit being upheld in a U.S. court of law?

Answer: Suit from a General Insurance Agent

In the state of Texas and most other states, the Insurer is required by law to sympathize with with an initial settlement offer within 60 days of notification that a loss has occurred.

You should check d cash in one's checks the Insurance Code for your state to verify the required time period.

However, if a first offer is made and the claimant or insured does not concur with that offer, this is when the negotiation begins. The initial offer so long as it is reasonable satisfies the nation requirement.

If an item or particular loss was not covered on y our policy,, then it was just not covered.. so no court would sustain the claim anyway.

Take Care.

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What Is The Time Frame During Which An Insurance Specialist May Resubmit A Health Insurance Claim?

Question by Karmarmil | Posted in Insurance


The choices for an answer are:

a. 30 to 45 days
b. 6 months
c. 1 year
d far-reaching

This is for a class I am taking.

Thanks!

Answer: I found a flagrant insurance site for you, take a look:

http://alternativeinsuranceguide.com/cat egory/claims/

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After An Accident, Do You Have To File An Insurance Claim Within A Certain Time?

Question by draecoiram | Posted in Insurance & Registration

and how much will my insurance go up if i hit a deer (encyclopedic) and got in an accident (collision) within a couple months?

Answer: yes there is a limitation for claim,but contrastive from that there is an allowable time that is given for reporting accident to insurance company as duty to policyholder,so if your usual to choose to report,do so early,if you think its not worth it because of possible increase,then chose not to

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Length Of Time For Pay Off On Life Insurance Claim?

Question by lking9903 | Posted in Insurance

I necessity to know how long does it take for a check to be put in the mail on a claim for life insurance,i have already recieved a sic from them saying the claim was payable, they have everything they asked for me to send them. should i be expecting a check in the mail anyday? I am the benificiary.

Answer: I am sordid for your loss.

Regarding the payment of your claim - you should be receiving the check in the mail any day now. You can contact the insurance corporation and request confirmation of mailing. They probably sent it signed/accepted - explanation the recipient would have to sign for the mail (the check). This provides them with receipt that you received the payment.

If the check into is further delayed, you can contact the insurance company again, and contact the Department of Insurance in your state regarding laws kin to payment of life insurance claims.

You can file a complaint with the department of insurance and request they look into the occasion to assist you in receiving the payment due you.

If there is a delay you may be due interest on the money due you. This depends on the state law in the matter of payment of life insurance claims.

I hope that helps! Best of luck receiving the cold hard cash due you from the life insurance company.

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