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Insurance Claims Secrets – The INSIDE STORY

May 5, 2015

Insurance claims can be a first class PITA! With that in mind, this little bit of INSIDE INFORMATION is offered. EVERY CLAIM HAS: An Adjuster (human type) A File (either electronic or paper or both) A Supervisor (also the human type) YOU: A claimant (when you’re working with ‘the other’ insurance company) or policyholder (when […]

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Are Your Liability Limits a Liability?

June 14, 2011

—- Liability Limits —- The line of protection you place between a mistake you may make and the guy you have injured who now thinks he deserves to take everything you own! Your liability limits on your auto insurance look something like this: 15/30/5, or 50/100/25, or 100/300/50.  Sometimes they’re listed like this: LIABILITY LIMITS: […]

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Choices After An Accident

November 2, 2010

Whenever you’ve been in involved in an accident that is NOT your fault, you have the option to run the claim through your own insurance company or through the insurance company of the party at fault for the accident. You might say, “Well, of course I’ll use the other insurance company!  The accident wasn’t my […]

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Prevent Water Damage in Your Home

August 18, 2010

Water Damage How to protect your home The first signs of water damage might seem trivial. But warnings like water stains on the ceilings or a leak under the kitchen sink can lead to real problems, like a weakened roof or rotten floorboards. A burst pipe can even damage your furniture and other personal possessions. […]

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I’ve had a FIRE! What do I do now?

May 8, 2008

Fire can be one of the most traumatic and devastating losses anyone can experience. If you’ve had a fire and there were injuries or a death, my sincere condolences. If you’ve experienced only loss to property, please take a moment to be thankful that there were no injuries or death. You’re probably still in shock […]

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A word about DEDUCTIBLES…

April 27, 2008

Simply stated: A deductible is the amount that you pay toward a loss or claim before the insurance company begins to pay. The higher your deductible, the lower your premium. The more you are willing to participate in your loss, the greater the savings on your premium. The insurance company will offer your a lower […]

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The Paint on my Fender Isn’t Going To Match the Rest of the Car

April 2, 2008

Face it. Paint fades over time. Your car sits out in he sun and gets weather-beaten by rain, snow, etc. After a few years, the paint looks OK, but you can tell that it isn’t like it was when the car was brand new. Then…. you have a little fender bender and your left front […]

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Options When You Have Damage from a Prior Accident

April 2, 2008

A client called me yesterday with an interesting dilemma. Said that recently, when his car was parked on the street, it was hit by a Fire Truck on a call. Kind of unusual as Fire Truck Drivers are usually pretty good at what they do. Nevertheless, he was concerned because on the same side of […]

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They’re NOT Offering Me Enough For My Vehicle.

February 28, 2008

Whenever your vehicle has been declared a total loss, the insurance company will offer you a settlement based on the fair market value of your vehicle. (this works for cars, motorcycles, RV’s, boats, etc.) In the realm of United States tax law, the definition of “fair market value” is found in the United States Supreme […]

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One Picture is Worth a THOU$AND DOLLAR$

February 17, 2008

Yes, I know a picture is worth a thousand words, but it could also be worth a thousand (or THOUSANDS OF) dollars! I can’t tell you the number of times in my 30+ year career in the insurance business that I’ve listened to a distraught policyholder after a loss struggle to remember everything that was […]

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