Insurance Claim

The United States is the only nation in the industrialized world without a universal health care system. The oldest universal health care system is in Germany, which had its inception in 1883 under Chancellor Otto von Bismarck.Let’s lay an important ground rule before we begin. Traditional insurance policies cover unexpected but predictable occurrences....

Automobile accidents between cars and big trucks favor the trucks. It’s just a matter of physics, really. Cars weigh 2-3 tons. Tractor-trailers have a weight limit of 80,000 pounds, which is 40 tons. An 80,000 pound truck, traveling at 55 miles per hour, generates 1 million foot-pounds of forward energy. Getting hit by a moving object that weighs 20...

Slip and fall accidents happen much more often that you might think. Today’s article will deal with what happens to individuals when they slip and fall, and what you should do if you are a victim.Slip and fall accidents usually involve premises liability. A person can slip and fall anywhere...home, business, church, playground, sports facility...anywhere....

Summer Parties, Graduation Parties, Pool Parties, Cookouts, July 4th bashes, and Labor Day Parties are all good reasons to gather friends and families at your home and have fun. But behind the fun lurks the possibility of guest injuries that could ruin the party and ruin your finances.So, here are some tips for making sure you are ready for the arrival...

Swimming pools are wonderful to own, but danger is built in.The Consumer Product Safety Commission states that each year, over 300 American children under age 5 drown in swimming pools and spas. 2,000 more have near-drowning incidents. Additionally, hundreds more over age 5 drown each year.Medical care costs for near-drowning victims are very high....

Insurance quotes are a terrific way to help lower your monthly expenditures. I used a quote service earlier this year and saved $590 on my homeowners and car insurance package.In today’s economy millions of people have lost their jobs. Millions more will lose jobs as the economy worsens. Millions of unemployed persons have stopped looking for new...

These are bleak days for corporate directors and officers.In a June 18th webinar sponsored by Zurich Financial Services in London, a forum was held to discuss Director and Officer Liability exposures.In 2008 there were over 150,000 insolvencies in Western Europe alone. In the first quarter of 2009, the United States had over 5,000 corporate insolvencies....

State Departments of Insurance report that dissatisfaction with claim settlements is the top reason consumers file complaints with them. Sometimes it is the fault of the insurer, and sometimes it is the policyholders’ fault for not having the right coverage. Today, I’m going to walk you through the process of filing an insurance claim complaint. I’m...

Forensic Accountants are accounting professionals that specialize in calculating insurance claims. Customarily, they work on the side of insurance companies. When the insurance company retains them, their task is to calculate the claim with an eye toward minimizing the claim amount. After all, who is paying their fees?You may be a business that has...

Public Adjusters (PAs) are licensed claims adjusting professionals that represent the policyholder in the calculation, preparation and submission of a claim. They do not work for the insurance company. They work for YOU, the person or business who suffered the loss.Public Adjusters only work on property claims, such as homeowners, apartment complexes,...

Property Damage Attorneys are lawyers that assist policyholders in their property claims. Customarily, they are not Personal Injury attorneys, who represent policyholders and claimants who are seeking recovery from damages or injury.In my hot-selling book, “Insurance Claim Secrets REVEALED!” I have a chapter entitled “Should I Get A Lawyer?” I recommend...

Personal Injury Attorneys are lawyers that provide legal representation for individuals who claim to have been injured as a result of the negligence of another person, commercial or government entity. As such, personal injury attorneys specialize in “tort law,” which is the area of law dealing with civil legal actions. This could include economic damages...

Automotive Body Shops are everywhere. Most auto dealers have one, as well as most commercial vehicle dealers. Then there are the shade-tree body shop guys that repair cars in their garages in their spare time. Finally, you’ll find many independent body shops sprinkled throughout your area.So, how does a person who is not an expert in automobile repairs...

Restoration Contractors are specialists in the repair of buildings damaged by perils such as fire, windstorm, flood, water damage, hurricane and tornadoes. They are also specialists in the repair and cleaning of personal property from homes and businesses.These kinds of cleaning processes and repairs require specialized equipment and knowledge that...

I just handled a burglary loss for a very nice woman in Atlanta. She decided to go to the market at about 8:30 pm on a Wednesday evening in late May. She began to drive toward the market and noticed four teenaged boys standing in a park very near her home. She hesitated for a moment, then continued to the market.When she returned at 8:55 pm, she found...

Any person who owns a dog is potentially liable for damages if their dog bites another person. Your homeowners liability or business owners liability insurance will defend you from lawsuits attributable to dog bites in some cases. If you have a dog that has already bitten or injured another person or animal, your insurance company may exclude coverage...

If you are the victim of an insured loss, such as a fire, flood, tornado or hurricane, you will likely have to hire a restoration contractor to complete repairs on your home. However, here is an issue that most property owners never consider...until it’s too late.That issue is the liability insurance of the restoration contractor. No matter if you...

Here are some insurance jokes to help you keep some perspective while you are dealing with insurance agents and insurance adjusters.Q: What’s wrong with Claims Adjuster jokes?A: Claims Adjusters don’t think they’re funny, and nobody else thinks they’re jokes.----------------Q: What do claims adjusters use for birth control?A: Their personalities.---------Q:...

Personal property claims can be some of the most frustrating claims in the insurance claims process. The deck is stacked against you if you have any kind of insurance policy that insures your personal property. This is true for property owned by homeowners and renters as well as the personal property owned by businesses and other commercial entities.Personal...

Hurricane preparedness goes beyond making sure your insurance policies are up to date. There are some practical things you can do around your property, whether home or business, that can lower the risk of storm damage.The National Climactic Data Center published statistics for 2007 that showed property damage from storms at over $7.4 billion. 2008...

Every month or so, I see a story on the Atlanta area news in which a driver backs up and runs over a child. Usually, the child is killed.I have a friend who is an insurance agent in Michigan. Back in the mid-80s, he was leaving the home of a client and backed over the client’s toddler, killing him. That incident, although a tragic accident, changed...

Electrical fires occur in American homes with great regularity. According to the US Fire Administration:• Over 28,300 residential electrical fires occur annually, causing nearly 350 deaths, 1,000 injuries and over $995 million in damage • Fifteen percent of residential fires start in bedrooms • Nearly half (47%) of the residential electrical fires...

Today marks the beginning of the Atlantic hurricane season, and early predictions by NOAA suggest that this will be an average season with as many as four to seven hurricanes.The National Hurricane Center says there is a 70 percent chance of having 9 to 14 named storms, of which 4 to 7 could become hurricanes, including one to three major hurricanes...