Articles Tagged with adjuster

Permissive Use of an Automobile.

Are you serious? What do you mean that the driver did not have permission from the owner to drive the car?

Permissive use is one of the most common ways that insurance companies deny a claim.

Documenting the time you miss from work will increase the value of your case significantly. Missed time from work is compensable in itself (you get paid for the time you were off), but also is evidence of a more serious injury. If you were hurt but went to work, it appears (rightly or wrongly) that you were not as seriously injured as someone else may have been.

Check out our wage verification form for an idea as to the type of information that an adjuster (or ultimately, a jury if necessary) will need to see evidence of your wages:
The name and address of your employer
A brief description of your position
How much you make, and how you get paid (hourly, salary, commission, etc.)
The dates you missed from work
The date you went back to work

You will have to prove you have paid your taxes. Be prepared to show a pay stub showing your withholdings or a tax return if a case has to go to Court.

For those of you who are looking for realistic grading of insurance company performance, take a good look at how AM Best does business.

AM Best is an information provider that provides ratings and analysis about insurance companies, and the analysis is not based on just the profitability of the companies, but rather their ability and willingness to promptly and fully pay claims.

This seems to be one of the better was to hunt for a good insurance policy.

There is a perfectly logical tendency among Americans to cut back on their insurance coverage once they have paid off their cars.

It makes sense. Why continue to pay for total coverage when the overall value of the car is worth less than the cost of repairs?

But when you have your car paid off, and when you call your insurance company to cut your coverage back down to simple liability coverage, you should make sure that you still have Personal Injury Protection (PIP).

Most people when purchasing automobile insurance, are concerned only with saving money on their premiums. Most people are buying insurance merely because they have to get insurance to get their tag turn on their vehicle. Unfortunately, most people do not appreciate the important role that insurance has been protecting them and their an automobile accident.

Car accidents are exactly that, accidents. No one wants to be involved in a car accident.

Here are some coverages that most people cut in order to save money on their premiums. The most frequently cut coverages are: