A fire destroys your home and personal belongings. You don’t want your homeowners’ insurance company to deny your claim. Here are some important tips for working with your homeowners’ insurance carrier. 1) REQUEST AN ADVANCE ON YOUR FIRE INSURANCE CLAIMDue to difficult situations, you might have left behind toiletries and clothing if you had to go. Some of these items may have been destroyed in the fire. Fear not. Call your insurance company and request a check be delivered to your lodging. So you can buy necessities without waiting for your final insurance coverage. Take care of yourself, but not…
Author: admin
As fires become an increasingly prevalent threat, especially in places like California, insurance companies are trying to cut corners on fire insurance claims in an attempt to save money. The increasing threat of fires makes it very important to familiarize yourself with the claims process and how to file fire insurance claims. An insurance claim, if filed properly, allows you to get reimbursed when you lose your property in a fire. Losing your home and personal belongings to a fire is already a devastating experience. The last thing you want is your homeowners’ insurance company giving you a hard time…
What do you want to protect? Learn how to assess and choose the right insurance product, and estimate how much insurance is enough for you. Key takeawaysKnow how to assess your protection needs.Get term insurance if you only have life protection needs.Know what other types of insurance can meet your needs.Know what you can afford.What are your insurance needs?Nowadays, it is possible to be insured against all sorts of risks. But it may not be necessary to cover yourself against all risks. Finding the right insurance product is about knowing what you want to protect and how much you will…
It’s hard to pinpoint how much life insurance you should buy down to the penny, but you can make a good estimate by using our life insurance calculator below. In general, you should add up your long-term financial obligations, such as mortgage payments or college fees, and then subtract your assets. The remainder is the gap that life insurance will have to fill. This life insurance calculator uses your existing assets and debts to figure out how much life insurance coverage you need. If you need help figuring out your assets and debts, there are additional calculators to help you…
Get to Safety & Call 911First things first: Get out of the way of other traffic if you’re physically able to. From there, you should call the police, which is legally required in some states whether you’re in a minor fender bender or a major collision. The responding officer will compile an accident report, which you may need to provide to your insurance company. If an officer isn’t able to get to the scene, you can file a police report at the closest police station. Document EverythingPersonal injury attorney John Sherman advises that “one of the most important things you…
ATTORNEYS FROM AROUNDTHE COUNTRY SHARE THESE TIPSDealing with the insurance company after an accident can be stressful and can leave you with any questions. Are they going to give you a fair settlement? Do you need a lawyer? Should I be agreeing to a recorded statement? (spoiler alert…NO!) Not every accident requires hiring an attorney but we wanted to ask accident lawyers around the country for some free advice on dealing with the insurance company after an accident. HERE ARE THE TIPS BELOW. TIP1DON JACOBSNorthwest Injury Law Center Don’t give a recorded statement. Insurance companies will tell you this is…
Introduction: Lawyers are professionals who deal with legal issues pertaining to their clients. Their job involves evaluating the legal situation of their clients, negotiating and advising them on legal matters, and representing them in court, if necessary. As a legal professional, you need to ensure that you protect yourself by getting lawyer insurance. Lawyer insurance is a must-have resource for legal professionals as it offers protection against professional liability, data breaches, and other unforeseen circumstances that can arise in the course of legal practice. What is lawyer insurance? Lawyer insurance, also known as professional liability insurance or errors and omissions…
Drivers are being hit by a wave of sharp car insurance hikes at renewal time. They could potentially save hundreds of pounds a year on car insurance by switching provider, yet most stay on the same policy and pay far more than they should. Insurers were ordered by watchdog the Financial Conduct Authority in 2022 to stop ramping up prices for loyal customers at renewal, but many drivers are still seeing premiums rise substantially at renewal. Even if yours doesn’t, your current insurer may not be the cheapest and best for you and it’s still worth checking prices. Comparing car…
None of us wants to spend more than we need to for car insurance, but it isn’t always obvious how to get lower rates. Dozens of insurance companies, large and small, are vying for your business. Many have an eye-glazing assortment of policy options, making it hard to compare policies and figure out who’s offering lower car insurance rates. with Insure.comSee what you could save on car insuranceEasily compare personalized rates to see how much switching car insurance could save you. ZIP Code94103» MORE: Compare car insurance rates Here are eight things you can do to ensure you get good…
According to the U.S. Small Business Administration (www.sba.gov), insurance coverage is available for every conceivable risk your business might face. Businessowners must weigh the costs and amounts of coverage needed and should discuss specific business risks and the types of insurance available with an independent insurance agent. An independent insurance agent can advise business owners about the exact types of insurance to consider purchasing. General Liability InsuranceBusinessowners purchase general liability insurance to cover legal hassles due to accident, injuries, and claims of negligence. These policies protect against payments as the result of bodily injury, property damage, medical expenses, libel, slander,…