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Common Insurance Claims Questions – FAQ
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Post Insurance Claims Questions —> Common insurance claim questions below are answered by contributor Ron Cercone of UClaim.com, a do-it-yourself insurance claim eBook website. Ron is a semi retired licensed public adjuster representing policy holders (not insurers). (http://www.uclaim.com/FreeSecondeBookOffer.asp)
At UClaim.com you will find 28 eBooks for your particular claim issue. View the most popular UClaim eBook entitled “HOMEOWNERS INSURANCE CLAIMS ADVICE AND HELP – ALL ASPECTS – HOW TO PLAY THE GAME – DELUXE VERSION (W/APPENDIX)“ table of contents (http://www.uclaim.com/TOC Homeowners Loss - Deluxe.asp) and description. There is currently also a free 2nd eBook offer at UClaim.com. And, you also get personal consultation and confidence building time with author Ron Cercone (a $150.00/hour value). 1. Which Insurance Company – “Do I turn in my claim to my own insurance, or the other driver’s insurance company?” Both. See who offers the better settlement. Let them both send out their vehicle damage appraisers. Don’t worry, you won’t get paid twice. They will both check to see if the other has already made payment. If a payment was already made by one adjuster and the other adjuster was going to pay more, then the second adjuster will only pay the difference. It will all get ironed out in the end. If your company pays you first and it turns out the other driver was at fault, your company will collect back from the other drivers insurer and get the appropriate portion of your deductible back for you also. If you think that you should not make a claim to your own insurer (if the other driver is at fault) in order to avoid a premium increase, you are wrong. You should not be charged any premium increase if you are not at fault (at least in California). But double check this with your sales agent. If you don’t report it to your own insurer, they will find out anyway since most insurers report all claims to a couple of national title="">