Insurance claim mis-information?
916633
Yes, it is binding, if you can prove it happened.  It is called "estoppel."  When the insurance company tells you there is coverage or they are going to be paying something, they cannot rescind it without proper reason.\n\nNot all phone conversations are recorded.  However, hopefully you have the time/date you called and the name of the person you spoke to.  Insurance companies usually will make a note in your file as to who spoke to you and what was discussed.  If the person wrote what they told you into your file, they will be on the hook for it.  If they didn't, the burden of proof is on you to prove it.
1033119
Call the agent that wrote the policy for you, they should be able to get it for you. One of my customers called his Workers Comp Ins. Co just yesterday and guess what happened-the Ins Co. ignored his call and called me to ask if I knew why he was calling!! I had to call my Insured and find out what he needed. He thought he would save time by calling direct not realizing many Ins Co's do not talk to the Insured's directly, but go through the Agent. This may be what is happening to your phone messages-they're being ignored. Your Agent will be able to get that paper for you fairly quickly, they may even have a copy of it in their files (we keep W/Comp files for 7 years after they expire)\nGood luck!
892568
Is premium being paid by you or by the company? If they are paying, they will showing it, as expenses on 'Salary Head'. Then you also cannot claim.
500747
*shakes head in disbelief*  Why do people answer questions when they have absolutely no idea what they are talking about?\n\nDon't bother consulting a lawyer on this one.  It would cost you too much.  This is exactly what small claims is designed for -- someone like you with a case small enough that lawyers should not be involved.\n\nSue.  On the complaint, spell out the facts of your case and then ask for alternative relief.  Meaning -- ask for the car to be put in your name.  Then put down that if the court denies you the car, that you are asking for all payments made on the car to be returned to you.  Assuming the facts as you have presented them are true, then the court will almost certainly grant you one fo these two remedies, possibly with interest.
932792
Forget the casualty loss (which I think you qualify for anyway).  how about a lawsuit v the PD that sold your bike?\n\nThe laws are written so that most people can't claim casualty losses - they are for real catastrophes.
436099
http://www.twc.state.tx.us/ui/uiclaim.html
789381
First step is to read your contract.  There is a section that deals with "losses we cover."  Read it and the accompanying "losses we do not cover" section very carefully.  In most contracts, accidental release of water is covered, but there are often exclusions for back-up of water (unless you purchased this coverage separately as an endorsement to the policy - often called sump pump or water backup).  If you have questions, you should contact your agent (assuming you purchased through an independent agent).  If coverage would not be afforded, do not file a claim\n\nThe next place to look for help is your warantee.  At purchase you should have been offered the option to buy a homeowner's warrantee.  If you purchased this coverage, it will likely cover the damages and repairs minus a small deductible.  \n\nIf you didn't purchase that coverage, likely your home inspector did not check for this while he did your home inspection.  You can check CLUE (Comprehensive Loss Underwriting Exchange - see your agent about this) to see if a related claim was ever filed.  \n\nDefinitely get a second opinion about the cost of repair.  \n\nI hope you get your issue sorted out - best of luck!
1077
Try going to insurance news:\nhttp://www.findlocalinsurance.com/insurancenews.html
232136
16028A stands for Proof of Insurance Violation\n\nBut not sure about the previous one. Can you check if the number is correct?\n\n.:Fishie:.
362314
I'm not sure if it is classic fraud, such as billing for services not rendered, but it does sound like there is a problem in the billing department.  I'd write the doctor a letter explaining what happened and telling him your concern.  He/she may not be aware of the problem.  The billing department is filling in the wrong information on the form.  \n\nHowever, if the problem persists, you have your letter as proof that he knows it.  Change doctors and get all of your medical files forwarded.  Then, send a formal complaint to your state attorney general with a cc to the insurance company and the doctor.  Be sure to enclose a copy of the letter previously sent to your doctor, and his response, if any.
694759
Send a written complaint to your state's insurance commissioner's office.  I agree with you, the provisions of this contract seem vague and contradictory.  As a matter of contract law, the insurer cannot enforce a vague provision in it's own favor; vague provisions are supposed to be interpreted AGAINST the party that drafted the contract.  \n\nIf the insurance commissioner's office finds, after an investigation, that the contract is unjustly vague, it should be able to assist.\n\nI hope this helps.
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.
910146
How is this an insurance question?
603994
The American Bar Association of the state in which you live can help you.  There are rules about fair pricing and disclosure.  They are your best bet, another lawyer will be cautious to take you on as a client when the claim is against another lawyer.  Good luck.
101511
Call the insurance Company give them the policy #, SS #, birth cert., ect,ect, ect.\n\nBlubla
345954
I'll answer following your question sentence by sentence.  Your mechanic has a lower estimate than the insurer...Well, estimates are, in fact, "estimates".  The appraiser for the insurer may have seen additional damage, or their could have been a part price increase.  Or, the mechanic's estimate was for structural and mechanic repair but did not include aesthetics such as blending paint to match faded, old paint.  The insurer can't estimate damages to repair a vehicle halfway - they have to write the cost to repair it completely.  By the mechanic's estimate or theirs, your vehicle would still be totaled.  This is because of the likelihood of additional, hidden damage that could be found in the middle of repairing the bike as well as other elements of a property damage claim, such as loss of use of the vehicle.\nNext, you say they offered $9000 to settle.  This may well be the valuation "AutoSource" listed.  But that's all a "book value" is - a number from a list.  Ask the adjuster to show you the AutoSource valuation if you are curious.  A book value cannot take into account factors such as the condition of your individual vehicle, not to mention aftermarket refurbishments.  And, finally, adding $8400 in aftermarket parts does not make the vehicle worth $8400 more.  Whatever you add to the bike, it is still a used version of the bike the manufacturer built.  Essentially, the insurer will pay you what the market will bear for your bike as it was just before the accident - Market Value.  It's a negotiable amount.  So if you want to "fight" the insurance company, bring something to them showing that it is worth more than they offered.  Find your own "book value" or some comparable vehicles sold recently.\nBy the way, you called those "compensatory damages".  Interesting you use the term.  After all, the insurer's job here is to "compensate" you for the value of what you lost.  You think they owe you more?  Why?  Think about "why" and then bring the answer to the insurer with documentation to back your assertions.
404992
I'm going through a similar issue right now with a personal injury claim from an automobile accident. You should go to your local library and check out the book "How to Win Your Personal Injury Claim." It's very useful, and has a formula for calculating how much your claim is worth.\n\nHowever, if you claim is worth a significant amount of money, you definitely shouldn't be handing it alone. Make sure to get a lawyer!