Posts tagged as:

Secrets

Insurance Claims Secrets – The INSIDE STORY

July 5, 2008

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) The claim process looks like this (considering the three above items) The Adjuster mediates [...]

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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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Term Life Insurance – Beware of the Ticking Time Bomb

February 21, 2008

Beware Of Your Term Insurance — THE TICKING TIME BOMB! WHAT KIND OF INSURANCE IS BEST FOR ME? If you’ve read any of our other reports, you’ll know that even though insurance has been part of our culture for over 100 years, to most people – It’s still just a mystery. And because they don’t [...]

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How Much Homeowners Insurance Do You REALLY Need?

February 20, 2008

Your home is likely your single largest investment. Protecting it properly is critical to your financial security. If you’ve only been guessing until now, then guess no longer. Insurance for your home need not be a shot in the dark. There are simple ways to determine EXACTLY how much insurance you should have. Even though [...]

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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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The Miracle of Renters Insurance

February 17, 2008

Here’s the secret — Your Landlord’s Insurance DOES NOT cover ANY of your stuff. Not your TV, clothes, stereo, iPod, Laptop, dishes, furniture, NOTHING! Please read on and see how inexpensively you can protect your valuable possessions for just pennies a day. Give my office a call and we can fix this for you in [...]

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A Word About Deductibles…

February 17, 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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10 Ways to Beat the High Cost of Auto Insurance (Part 2)

February 17, 2008

Part 1 We’ve been evaluating 10 Ways to Beat the High Cost of Auto Insurance. Part 1 included the introduction and Ways 1-3. We’ll finish it up here. 4. EVALUATE YOUR MEDICAL COVERAGE – Medical Payments coverage is designed to pay for injuries sustained by you and anyone else in your car. Particulars of this [...]

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