Well, some tweakers broke in and took 4,850 in electronics. A new triple core pc, hdtv, sony dream theater system, xbox360, to name a few. And even busted and damaged the door completely! Anyway, the insurance just called and offered me 1,606!! I have gave them some but not all receipts, pictures, etc. I cant settle for that amount! This is just another constant reminder of the idiots that broke in to my home and ruined my life! Im supposed to call the adjustor tomorrow and talk about this measly settlement. I know im not getting all the full amnount, but the offer they gave me was just an insult. What should i tell him? I cant believe i pay a hefty amount to have this insurance, and this is how they disappointed in my time in need!
And yes i know theres an appreciation value, but this too much if u ask me…
They'll throw that "depreciated value" thing at you all day. If you have your original policy, see if there's a clause in there about offering depreciated value, or "replacement value." The company is prepared to offer a reduced settlement to you – the agents are trained for this. BE PERSISTENT. Don't use bad language of course. Rehearse your arguments prior to talking to the agents. Make your point, and keep making it. The point is not to cave in to their low offers. I've seen cases where persistence pays off, and the customer indeed get replacement value. It's a bargaining game, and your persistence will pay off.
Remember. Insurance companies are in the business of selling policies – not paying claims.
I am fixing to buy a business and my current insurance company does not cover commercial properties. With that said, is it better for me to get the Umbrella coverage or go separate. I have a home and 2 cars on my current policy but need to find a company that will cover it all. Any suggestion what to do? Thanks in advance
You will need a commercial policy for both liability and property. The umbrella policy requires that you have an underlying policy in place first, then the umbrella kicks in for liability above your underlying policy. The umbrella from your current homeowners insurance will not cover anything for the business.
You'll want to visit a local independent agent that deals with commercial policies. The agent will know what types of policies you will need for the business. They can shop the market for you to find a policy that's best for your situation.
AIG may sell U.S. auto unit to Zurich: Google that topic…next time your in an accident your 21st Century Insurer is owned by another country..see if you can get a fair deal on your claim.
Contrarian, I recommend an online insurance quote. It's free and quick to do. http://www.autoadviceonline.com/Auto-Insurance-Quote.html
Good Luck!
It always happens, the renewal quote is always more expensive, ring them up and I bet they will go with the on-line quote to keep you as a customer.
Also go on comparsion sites to see if you can further beat the company you are with http://www.moneysupermarket.com or http://www.confused.com
and if so which eshops do this?
can anyone tell me which sites do insurance please!?
I did.
My house is brand new and everything legal. Their ins co says I need proof that it was them. But when I leave for work and the trash truck is coming up the street and five minutes later my wife calls my cell phone and tells me the lines are down again this is more likely so than not. Especiallly when the boy next door saw them do it once! Who should I contact I'm tired of repairing the house every two months.
Have your wife call them as soon as it happens. You know the day of the week and general time the trash truck is coming. So have her watch them. Let them know you have witnesses if the boy next door saw it happen.
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im 24 yrs old,living with my fiance,no children and im looking 4 term assurance.I went 2 company who offers this and i was told by the advisor i was 2 young 2 worry about it and people normally only get it if they have a morgage and kids.I dont feel this is fair please help.
Go to insureme.com and get quotes for what you want. You are just being responsible and that is a good thing for someone so young.
Call the Florida Department of Financial Services: in-State only: 1(800)342-2762 or 1(850)413-2806. They should be able to give you a list. This information may also be posted on its web site.
we also sell Bond and some commercial
Home insurance covers lots of different things. I’m not familiar with all the fine print of my homeowners policy, but my home insurance agent is always helpful. Try contacting your agent or a homeowners agent in your town. http://www.usinsuranceadvisor.com/Home-Insurance.html They should be able to assist you.
I just got call from them today for interview next week. I would like to know if anyone has worked for that company and what was your experience. Bankers Life is an insurance company specializing in selling term insurance,life insurace, annuitiesm medicare supplement for seniors. Looks like very legitimate company, more than Primerica or Vector Marketing or Amway.
They called me to come for interveiw and bring my copy of resume and dress professionally.
But it does not look as good as State Farm or Blue Cross Blue Shield. Certainly their products are limited. The thing that I see yellow flag is that when they called me, they did not tell for what position I would be interviewed. It does look like I will be interviewed for sale on commission. It is Ok, I may try as long as I won't have to pay for training or license. It would waste of time and money. Also another turn-off would be for me to make cold-calls and visit homes. Anyway who wants strangers at home?
Currently I am actively looking for job and before they called I planned to apply-in-person in couple places in downtown and job agencies. Of course I used Monster, CareerBuilder but that does not seem enough to land on job. So I am asking here in this forum in order to determine if its worth to go to their interview or better go to downtown. Thanks in advance.
PS. I know the question here has been posted couple times but I did not find info about if I would have to pay upfront.
Anyone say straight comission. It's a great job if you don't want to make money. Primerica is roughly the same thing give or take with the advantage of offering something that people may actually want. Also Primerica is something you can do on the side so it's possible that you can be doing something else at the same time. I can't say Bankers Life is a scam but it's not likely somewhere where you'll find a career and for that matter neither is Primerica. State Farm, Prudential, Allstate are all similar in nature where you'll work reall hard for a real long time and if (theres a real big IF) you survive long enough you'll make a reasonable living.
If you have a pulse Bankers Life and Casualty wants you. They can pretend all they want but as long as you are currently on the 10 most wanted list you're hired. There shouldn't be any real significant upfront. I think I paid for a class to get licensed and then I realized that I made no money for the rest of the time. I didn't lose a ton of money but it was a complete waste of my time.