I think my insurance company is screwing me.  What do you think?
106184
You paid to much for the car to start with, suggest you shop around next time. Try getting a couple of different quotes to repair the car sounds mighty high for repairs for just a fender bender.
947658
Hi, my name is Eunice Saunders and I am an Insurance Agent. Most insurance companies go by the blue book value and it sounds like your car is totaled to me. They will send an Adjuster to look at the damages and he will access the damages and advise the insurance company as to the best way to handle your claim.......remember their title is "adjuster" which means they adjust.......so if you do not agree with their assessment then argue with them.....remember also that the adjuster works for the insurance company and has the best interest of the company and all other policy holders....he does not work for you...although he will want you to think that your best interest is being served...so you look out for your best interest which is to either get your car fixed or get enough money from the deal to bring you back to a financial condition that is comparable to the condition you were in before your car rolled down the drive. So if they give you blue book value you can pay off the loan you owe and buy another vehicle........remember you can not gain from insurance.....meaning you will never get more than what you had to start with. Good Luck! Eunice
520591
Um, your insurance company is *supposed* to cover birth control.  I don't think it's right for them not to cover it at all.\n\nI have an idea (not being sarcastic either, truthfully) call up your insurance company customer service line.  Tell them that if they are not going to cover the cost of your birth control then they can pay for all of your birthing expenses and cover your baby too when it is born.  That might get them singing a different tune because it is a HECK of a lot more expensive for an insurance company to have to pay thousands of dollars worth of birthing expenses, not to mention the cost of regular pregnancy checkups and ultrasounds.  So you would think they would jump on a hot foot and offer you the coverage of birth control again for the much cheaper price of $50 bucks a month instead of paying the thousands of dollars if you do get pregnant while covered under their policy.
848267
When settling your insurance claim with an insurance company you will be dealing with an adjuster. You need to remember that although this person deals with insurance negotiations on a weekly basis they are also a human being. They are doing their job but they also understand that you need to be paid for your vehicle’s damage and bodily injuries if there are any. \n\nOnce you get it in your head that the adjuster is just like you it will be easier to speak with them. The adjuster will want to tape your phone conversations and that is fine, just think before you speak. Do not say anything that might sound like you were at fault if you were not. Do not say you feel fine when in reality you are in pain from your injuries. \n\nThe best resource that you can have during negotiations is your detailed records. These records should include all the documents you have collected after the accident occurred. This includes the police report, medical records, and estimates on the car damage and so on. If you have any bodily injuries ask the doctor to note any aches or pains you report to them so that they will be detailed enough for the adjuster to understand your physical difficulties caused by the accident. \n\nThe best time to speak to the adjuster is when you have all of your documentation laid out in front of you. Use your common sense and knowledge of what has happened to you. If you feel the adjuster is offering a fair amount than take it. If you are not offered a reasonable amount by the adjuster tell them how you feel. Give them a number you would be satisfied with. \n\nAuto Quotes:  http://www.insureme.com/landing.aspx?Refby=614506&Type=auto\n\nRon @ InsureMe
111360
You should read your coverage plan. Each insurance company is different. I'd wager to say that most consider that "cosmetic" and won't cover it.
1067789
Are you sure it has clear title?  Sounds an awful lot like this first title officer knows something you don't.\n\nWhen you get your insurance from another company, be sure to scrutinize the preliminary title report and title policy very carefully, especially the exclusions from coverage on Schedule B.  If there is anything on that policy or Schedule B you do not completely understand, take it to a real estate lawyer for a consultation before you let them bind the coverage.
721672
You are liable because of your license... I suggest that you have your plans checked before you issue them next time.
987684
I was almost scammed by this company also.  Something just did not feel right about the paperwork that they emailed me and the email address was from a Yahoo account, sallyhamilton22@yahoo.com.  I thought that was strange.  They also wanted me to send them $940 as down payment on insurance.  I thought that was strange also.  When I called back I could not get through to the original contact Symone Athill, so I pressed another extension and that guy was Kevin Littlejohn.  He was so nervous speaking to me and he could not tell me their website address or their fax #.  Watch out for this company....
477370
Yes, it's normal for insurance companies to tell you that they can not insure due to a particular condition.  There's the usual wear-and-tear that insurance do not cover.  You do want to make sure that you maintain your property and do the best you can to prevent any damage.  I don't think the insurance will reimburse you amount you spent on maintenance, but you definitely want to be adequately insured at all time by complying their recommendations.
761538
maybe, it all depends how much money your policy was for and  what kind it was\n\nfor example, if your policy repaid X amount of damages and you got X, there is nothing you can do, you were underinsured\n\nif you did not get full coverage, you may be able to state a claim.
641264
Have the doctor write a letter.  This has greatly helped me in the past.  If this fails, you can always contact the Insurance Commissioner...they REALLY hate to hear from them and it usually gets resolved.
34201
Car insurance? Life insurance? Health insurance?  All I can say is that you should shop around.  \n\nTry donig this:\n- get some quotes on-line (works mainly for auto insurance)\n- walk into (or call) some different insurance agents (State Farm, Allstate, etc)\n- talk with an insurance broker (they represent several different companies\n- talk with a financial advisor (life, and maybe health only)\n\nThey all will work to find you the best deal.  Whoever gives you the best deal is the company you shoud go with.  \nNow if you are talking about auto insurance, keep in mind that it is not too uncommon for a company to charge you one price on line, and to charge you another one in an agent's office, and to charge you another price through a broker.
89965
I don't quite understand the question.  Are you asking how to defend yourself against the lawsuit?  Your insurance company should be hiring a lawyer to represent you.
110800
Check with your insurance company - it should be covered.
856209
YES!  And sorry to say, but you probably won't get your issue resolved.  They are always right and you are always wrong.  That's will all of the bill people you have to call.  Good luck to you!
42883
Go online and print out a temporary copy.  It should be good for 30 days.  Hopefully your insurance co. has a website that offers that service.
404350
As long as you are insured full comprehensive - then any motor policy should pay out for the repairs to your car.  \n\nFind out why they are being uncoperative.