claim sent to underwriters why ?
967605
I agree with some of the answerers here; an underwriter will get involved only if the Company is questioning whether or not you should have been issued the policy, based on the representations you made on the application for coverage.  The condition(s) not listed don't even have to be related to the condition(s) resulting in the claims.  However, the unlisted condition(s) must represent a "material misrepresentation," which is legalese for saying the condition must be significant (such as obesity, hypertension, cancer, etc.) and cannot be minor (such as the flu, etc.).\n\nThere's nothing you can do right now but wait.  If you don't hear from the Company within a month, give them a call.  If they refuse to communicate with you, you can file a complaint with your state insurance commissioner's office.\n\nI hope this helps.
630132
maybe they sent it to your bank .  some companies do that ,  as you will have to sign a credit agreement.
88151
I'm an insurance agent and train representatives for customer service.  The plain english way that we explain subrogation is:  Say your friend borrows your car because hers is in the shop.  While she has your car she gets into an accident.  You call your insurance company and make a claim.  Your insurance company pays for the damages.  Then your insurance company will "go after" her insurance company to get their money back. That's pretty much it. As far as who pays extra on their insurance for the next 3 years (or so) all depends on what kind of coverage the driver has.
842916
They are trying to protect you, me and everybody else who pays insurance premiums.\n\nThis is sad....but you, I and everybody else pay billions and billions of dollars a year in extra insurance premiums to people just like you who claim they are hurt in an accident and aren't.\n\nThey are ripping off the system and unfortunately legitimate victims like you get the run around from insurers because of the bad guys who rip the system off.\n\nIt is a major hassle to deal with extra exams and the lengthy delay in processing, but you have to realize the insurer needs to adequately investigate every claim so they don't pay more than they have to....which keeps you and me from paying extra premiums that we don't need to.
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.
271363
Your insurance company sent you the checks instead of sending them to the dentist... occasionally insurance companies will do that and you are suppose to sign those over and give them to the dentist.  They are meant to go to the dentist... not you.  Also, I am sure you signed something when you filled out paperwork stating that you would be responsible for any balance you insurance company did not cover as the dentist only gave you an 'estimate' of what the insurance company would pay.... because your insurance company only gave your dentist an 'estimate' of what they pay... the insurance company even has a disclaimer before they give a break-down of benefits stating it is an estimate only and payment is not guaranteed.  Therefore, there is nothing you can do but pay the bill.\n\nIn the future, if you want a guarantee of how much your insurance will pay for your treatment, then have your dentist send in a pretreatment estimate to your insurance company before you have treatment done.  Your dentist will do this for you as a courtesy.  The insurance company will then send, in writing, something to the dentist stating how much they will pay and then this is a definite.  The insurnace company will be bound to this and if they do not pay what they state at that time then you go after the insurance company.
111834
Underwriting determines who should be insured, classifies them according to risk, and determines rate structures.\n\nMarketing then convinces those people they should insure with the company.
784542
It was an accident.  File it under insurance.
259729
you need to contact your insurance company for that information
232388
See if this site can help you (I am not recommending nor advising)  It seems that the problem of lost insurance companies is common and there are companies in the business of finding them:\n\nhttp://www.americaninsurancedepot.com/lost.htm
1143041
When your loan is in the underwriting stage, the underwriter is examining your credit history, how stable your income is, the valuation of the house vs. the amount of the mortgage you're applying for, and other factors and trying to decide whether you are an acceptable risk for lending you the amount of money you've applied for.
535743
By getting a very large liability insurance policy because you are going to need it. Next best choice, talk with a good lawyer on how to insulate your company from liability claims.
1166712
If the damage caused by your neighbour was depreciated from the value of your car before the insurance company issued their final settlment, you should be compensated by your neighbour for that lost value. Should your neighbour reneg on his promise, with proper evidence that your neighbour was responsible for that damage, and proper evidence that your insurance did in fact give you less because of outstanding damage on the car, you should prevail in small claims court and recover your loss.
896478
You were not damaged, so there is no basis for bringing charges.  You were just inconvenienced.  Start by asking for some of your money back.  Your dentist would probably be just as happy to see you go elsewhere, too.  If your dentist is not agreeable to this, contact the state dental association for your state (in the Yellow Pages) and see if there is a Peer Review Committee.
1032951
Are you talking about a Letter of Explanation? That's something often asked for during the mortgage process, especially if there is a gap in your employment or something derogatory on your credit report. \n\nNormally the underwriter is looking for good reasons to decide whether or not you should get the loan - and this is your chance to explain. \n\nA short, but thorough, explanation is good, and sometimes lean a little towards a "sob story." Health reasons, getting laid off, having your purse stolen, etc. are all good reasons you might have something negative come up. Explain in the letter what happend, and how you solved the problem. Also state that the problem hasn't happened again (if it indeed hasn't.) \n\nTips: Be professional. Type the letter if you can, instead of handwriting it. Check your spelling and grammar. Don't make the letter overly long or wordy. Also, see this link for good articles, polls, discussions and blogs about loans and mortgages: http://mortgagesloans.suite101.com/ \n\nGood luck!
965033
Most states have hotlines for insurance fraud, do a search. You must be absolutely positive that you have all the facts, this is a very serious charge.
910146
How is this an insurance question?