What should you do when subrogation claim against me and no renters insurance?

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How do you respond to a subrogation analyst when you receive a claim letter asking for insurance information from them on behalf of their client?

submit the letter to your insurance company asap as they are looking to make you at fault int he incedent. No they are not looking to make you at fault. They are looking to see who should have paid the medical bills. If car accident, which auto insurance. Yes, contact your car insurance to set up a claim. Once the auto policy/policies utilize all their medical coverage then your health insurance will take over. If your auto pays you cash for your medicals, beware you WILL be contacted by a subrogation analyst because that money is not yours. It's to pay for your medical expenses and you will have to pay your health insurance back. It could take months and months before they find out about it...but they will.

How do you appeal a claim against you by your own insurance company's claims dept when you can prove you were not at fault?

Something similar happened to me. My own insurance company was actually going to just pay the other person's insurance company since they had decided I was "at fault". I wrote a letter that I was not in agreement with this and stated my reasons why I was not at fault. It went into arbitration by a third party and I was determined to be NOT at fault. I believe you have to contact your company, also check the wording of your policy for how to handle disputes. I did not have to go to court or anything like that, only a simple letter stating my case. Hope you get this resolved. God bless, Cathy

If a car was stolen and insurance denies the claim can the leinholder file against the insurance and collect?

Generally yes, it is called subrogation. Depending upon the circumstances as to WHY to coverage did not apply.

How long do you have to file a damage claim against another's insurance?

This would be a state statue of limitations questions (physical damage or injury?) Regardless of that you shouldn't put off filing any insurance claim EVER... file it immediately, if you just want to know the answer, and there has been no claim, contact your agent, or dept of insurance for you state and they will be able to tell you the statue of limitation for your state.

What should you do when hit with a subrogation claim that is false?

Answer . You have to defend your self just as if the lawsuit was filed by the original claimant. If you have an insurance carrier, tender the claim to them in writing immediately and your carrier should handle it for you. If you don't have insurance, you should hire a lawyer to defend against the claim.\n. \nIn subrogation, the insurance carrier seeking subrogation has the same rights as their policy holder. They bear the same burden of proof that the alleged victim would have had at trial.

If you were in an accident with an insured driver but it was not their car who do you file the claim against?

i believe you can actually file suit against the driver and the owner of the vehichle so my lawyer told me

Can you file a claim against a person with no insurance?

Answer . \nYou can file a claim against your insurance company for an action caused by another person with no insurance if you are covered for such an occurance. An example would be if you had uninsured motorist coverage and were hit by someone without auto insurance. \n. \nHowever if you want to file a 'claim' against the person directly who has no insurance there is no one to file the claim against. The only alternative here is to sue the person in court.

How do you force an ex-renter to pay you after winning your case against him in small claims court?

You can either retain an attorney or a licensed collections firm, who will employ a variety of collection techniques against the tenant including supplemental proceedings, personal property executions, and garnishment. See the phonebook for lawyers who offer "free consultations."

Should you file a claim with your insurance?

Filing a claim: to do or not . It all depends. I personally only file a claim if it's going to cost significantly more than my deductible, is worth the effort to fix it, and I'm ready for my insurance premium to increase. If you are careful about how many claims you make and how often, you should be ok. Also, a comprehensive claim on your auto is judged less harshly than a collision claim. Accidents are the biggest increase of premium usually. If it's a towing claim, or a small (under 1000) comprehensive it's not too bad.. With homes, the risk is higher to be cancelled at renewal if you put in a claim. Make sure it's worth the increase of premium for the next 5 years. That's how long a claim stays on a CLUE report. Good Luck! Hope that helped a little!!! :)

Should I sign a Letter of Subrogation from my insurance company?

\n. \n Answer \n. \nYes, it's mandatory, a part of the Insurance Contract that you signed up for. They don't let you collect twice. If they collect from the person who hurt you, then you would get your deductible and co-pays back. F

Can a claim be made against a person's insurance without their permission?

Answer . Anytime you make a claim with your own insurance company against someone else's company or their company directly, the company taking the claim by law has to fully verify and investigate the claim being made. Not only that, no insurance company in their right mind would pay out insurance claims without checking them out first.

What is renters insurance?

RENTERS INSURANCE Policies available to those who rent a dwelling; usually covers personal possessions and liability, but not the dwelling itself.

How should I respond to a subrogation claim that I agree to pay?

If you agreed to pay the subrogation claim.. The customary way to respond is with a Check or money order in the amount you agreed to pay.

Can an insurance carrier subrogate against a third party that caused damage to their insured's vehicle if the third party already paid the vehicle owner's damages?

No. That would mean the third party tortfeasor would pay twice, which would amount to unjust enrichment.

What is the statute of limitations on Automobile Insurance Company claims against individuals with no insurance coverage?

One commenter answered with the following... . "There is no limitation. You owe what you owe." That is absolutely true. Being the responsible person that I am, I take things very seriously and provide for the inevitable accident by having appropriate insurance to cover most everything. I have, since asking the question, found out that it is usually 4 years from the date of the accident or loss. The main question was not worded well and it was to find out how long an insurance company could take before they ran out of time to get the issue closed or taken to court. The issue involved a person who was actually insured, but his policy did not cover the accident in question leaving him vulnerable and responsible for paying out of pocket for the loss to the subrogation unit of the insurance company of the other party.

Do you have to have renters insurance?

Some landlords may require you to carry tenants insurance in order to rent. If they don't it is still a very good idea to have it and very inexpensive.

How much should you get from your home insurance claim?

There is no set answer to this, since it depends on many factors, such as:. How much coverage do you have? . What type of coverage do you have? . What is the nature of the claim (fire, flood, etc.) . Was the house insured for full replacement cost, or less? . Did you also have contents insurance, and was there damage to the contents as well? . Did you also have coverage on appurtenant structures (detached buildings such as a tool shed, etc.)? . Are you sure the policy was already in effect at the time of loss? Many policies have a waiting period before they become effective.

Is an insurance carrier's right to subrogate against another party by the terms of the insurance contract?

In most insurance policies today part of the terms are an agreement by the insured to cooperate with the insurer. Cooperation requries the insured to participate and assign their rights to the insurance provider for claims the insured has against the original tortfeasor. In the event that the insurer pays a claim that was caused by a 3rd party, the insurance provider will requrie their insured to sign over subrogation rights. In the case of uninsured motorist coverage, the insurance provider's right of subrogation is created by statute.

Can repossession be claimed against insurance?

No, sorry! Unless you mean that your property was wrongfully repossessed (wrong car, etc.) in which case you might have a Professional Liability claim against the repo man or his client, no.

If you have only liability auto insurance should your insurance provider help you with a claim settlement against another insurance company after a auto accident?

no - your insurer is under no "obligation" to help you. Best bet is to pursue through small claims court. if damage is greater than small claims value - consult an attorney and negotiate a reasonable fee (usually a % of settlement amount and you owe nothing if you lose)

What does waiver of subrogation in insurance mean?

Endorsement to a property liability policy whereby an insurer gives up the right to take action against a third party for a loss suffered by an insured. Typically, under terms of the http://www.answers.com/topic/subrogation-clause, the insurer, having paid an insured for a loss, takes over any rights possessed by the insured who has suffered the loss. For example, an insured, John Smith, is hit by another car while he is driving. His insurance company pays his claim and then may sue or attempt to recover damages from the other driver. In certain instances, the insured might want to get a waiver of subrogation rights from the insurer. For example, if a landlord assured a tenant that the tenant was not responsible for damage to the landlord's property, the landlord could make good on that promise only by getting the insurer to waive its subrogation rights. Otherwise, if the landlord's property was damaged by the tenant, the insurer would have to pay the claim and could then try to collect damages from the tenant.

Can you get your deductible back when your auto insurance is subrogating?

Yes. In many cases your insurance company may waive your deductible if the third party's insurance company accepts liability.

What conditions can subrogation arise in insurance?

In insurance, when there is more than one party involved or at fault in an insured loss, there is a mechanism known as Primary insured versus other insureds that follow. Subrogation arises when the Primary insurance is being tapped into when in fact most or all fault lies with in part or in whole to a different insured. For example, risks of bodily injury or property damage are insured by a businessowner who installs HVAC equipment. His end user is his customer, therefore he is usually considered the Primary on claims submitted by his customers. If liability occurs under a covered cause of loss, such as bodily injury to a third party/customer, the Primary insurance will pay. However, if the loss was actually caused by a faulty design of an A/C unit, then the Primary insurance will subrogate to recover most or all of its incurred losses from the designer of the A/C unit or as is mostly commonly the case, his insurance company.

Does cigna healthcare have subrogation rights against auto insurance medical payments coverage?

If Cigna had paid on charges which rightfully should have been paid by the auto insurance, yes. The subrogation would be performed by Cigna's overpayment recovery vendor, accent. This should not make a difference to the patient, as Cigna will cover once the auto insurance coverage is exhausted.

Can a renter receive renters insurance with the possibilty of being sued no claim of lawsuit has been filed?

If you know of anything that may affect the insurance before you take it out, you should declare this to the insurance company. If you do not and they discover that you knew something then the insurance would not be payed and you may be prosecuted for fraud.

How do you claim against someone with one day car insurance?

They will have a pink card stating the insurance company on it still, as long as the accident happened in the one day they were insured.

Is renters insurance mandatory in Maryland?

No, but it makes sense to buy renter's insurance since it is so cheap and can help you replace your goods if they are ever stolen or damaged.

Can a renter make a flood insurance claim in Texas?

That depends. If the renter has their own flood insurance then the renter could certainly file a claim on it they have a flood loss. If your asking can the renter file a claim on the Property owners flood insurance then the answer would be no. The owners flood insurance would be specific to the owners property, not property belonging to a tenant.

Examples of liability claims covered by renters insurance while living in an apartment.?

You play softball and hit a ball back at that pitcher putting him in the hospital. The pitcher sues you. The insurance company defends you and settles the suit. You put a pizza in the oven, forget about it and leave. The pizza catches on fire and burns the entire complex down. The insurance carrier that insured the apartment building sues you for the damage. Your renter's policy pays it. Etc.. The second example, with the fire, is not entirely accurate. A renter's policy typically does provide some coverage for "Fire Legal Liability," but it is typically with a lower limit than the general liability coverage.

How do you start a claim against someone who was not insured when he crashed into you?

The initial step would be to contact the person in writing, politely, and explain the nature of your claim, how it arose, and the resulting provable damages. Send it by certified or registered mail (return receipt requested) so that you have proof that he/she rec'd it. Request a response within a reasonable period of time (10 days or so). If you do not get a response, you are free to file a civil suit in a court of competent jurisdiction (one that has jurisdiction over the amount of money in controversy). Consult the statutes of your state to determine which court it would be, or call the Clerk of Courts in the county where (1) the defendant lives, or (2) where the incident occurred. You may generally sue in either location. The Clerk of Court may have a form for you to use to spell out a short and plain statement of what happened, when, how, and the damages that you seek. This will have to be filed with the Clerk (with the appropriate filing fee), along with a summons directing service of the "complaint" upon the defendant. The Sheriff of the county where service will be made will charge a fee for serving the suit. The summons, or a receipt that you otherwise get from the Clerk, may state a date that you have to appear at court for an initial conference, but this depends upon the court. All of the foregoing contemplates that you are seeking property damages of a fairly small amount such that you can seriously consider handling the matter yourself. For anything much more complicated, or that involves bodily injuries or issues of law, hiring a lawyer may be a good idea.

Can an inurance company bypass your insurers and claim against you?

They would usually go to the insurance company. If they did, I would refer them to your carrier.

When should I file an insurance claim against the driver that damaged my property?

Immediately, your insurer will then advise you of what further steps are necessary to process your claim

Does renters insurance covers a locksmith?

I cannot see any way that a covered cause would require you to get a locksmith. If the damage was not caused by a covered cause then no it will not pay for a locksmith.

Is there subrogation in life insurance?

No, there is no Subrogation lien held by a life insurer for death benefits, as it is never deemed the compensation for damages caused by another - the underlying basis for all other Subrogation matters..

Does insurance pay for small claims judgment against them and their client?

In most cases, yes. That is what insurance is for. Farmers Insurance. I figure since they sent 3 people to represent or help the defendant with her case, and lost. They should cover the judgment that was in my son's favor. My son's insurance is 21 century.

What should you do if your claim is unresolved with your insurance company?

There are a number of things that can be done. I will use a hypothetical property claim (rather than a health claim) to illustrate. 1. When a claim for benefits is submitted, an insurance adjuster is assigned to handle it. Usually, the adjuster handles the claim from start to finish. That is, he/she conducts an investigation as to the facts, determines if the occurrence is one that is covered by the policy, and may request further information from you (the insured). At that point, you will have the name and phone number of the adjuster. 2. Sometimes, the adjuster is an employee of the insurance company, usually called an "in-house adjuster". However, in some cases, an insurance company delegates the claim adjusting function to "outside adjusters". These are people or firms that do the same kinds of work as inside adjusters, but who are not employees of the insurer. Instead, they have contracts with the insurer to do the adjusting work. Nonetheless, the insurance company is responsible for their actions because they are working as agents of the insurer. 3. If a claim is unresolved after a "reasonable" time, it is helpful to escalate the process to the next higher level of authority within the insurance company. "Reasonable" is a fluid term that depends upon many factors. For example, a claim for benefits that arises due to the involvement of multiple persons or entities (such as a construction defect which may involve manufacturers, suppliers, and builders), is likely to take longer to resolve than a more simple one, such as a single car auto collision. In the more complex situation, the insurer will, in addition to the tasks described in #1 have to take recorded statements, photos, and perform other tasks. It will also usually take longer to determine whether the occurrence is covered by the policy. In the meantime, you will probably have heard from the adjuster on many occasions to give status reports. 4. If you have waited a "reasonable" time (which could be weeks or months, depending upon circumstances such as complexity of the claim), and the claim is still unresolved, you may want to escalate the matter to the adjuster's supervisor. Generally, his/her identity can be found just by asking. You will need the adjuster's name and the claim number that has been assigned to your claim (found on all correspondence from the insurer). Call or write to the supervisor, politely explain the situation, and ask that he/she intervene. Usually the supervisor will do so. When the adjuster is contacted by his/her supervisor about the claim, they will normally bring your claim to the "top of the pile". This is similar to the "squeaky wheel getting the grease" theory. You can handle the issue in a similar way if an outside adjuster is involved. This is because the insurance company is responsible for the adjuster's actions. Also, there are probably provisions in the contract between the insurer and the outside adjuster requiring that claims be resolved within a "reasonable" time. Once again, call the insurer to determine who, within the insurer, is responsible for supervising the claim. Politely explain the problem and ask for their intervention. The person within the insurance company was typically responsible for hiring the adjuster and supervising the adjustment of the claim. Therefore, he/she does not want the actions of the adjuster to reflect poorly on him/her. 5. If the claim remains unresolved, you can go to the State Insurance Regulator (although the name of the Office may differ by State). Since insurers and adjusters are regulated and licensed by the regulator, the regulator will contact the party(ies) to investigate. Your first contact with the regulator will usually be its Office of Consumer Services (or similar name), which provides intake services. The complaint is then sent to appropriate offices within the regulator's offices that handles the regulation of insurers, adjusters, or whomever else is involved. The part(ies) will have to explain to the regulator the reason for the delay. The regulator may agree or disagree with their explanation. 6. You should always enlist the help of your insurance agent if you are having difficulty with the claim. You are his/her's customer, and they will want to assist in order to keep you as a customer. 7. If all else fails, you can file a lawsuit. If so, seek an attorney that has a solid background in "insurance coverage" cases, not one who just dabbles in them. An insurance coverage case, especially if the claim has been denied by the insurer, are very complicated. Therefore the lawyer will need to be experienced in interpreting policy language and identifying facts under which to have a court determine that there exists coverage for the claim. 8. It is also important that you keep a record of all contact to and by the insurer and the adjuster, as well as all correspondence. These will be needed when you go to the insurance regulator and/or an attorney.

What is the difference in renter and landlord insurance?

The diiference between landlord & renters insurance is that landlord insurance is a policy that covers property owner from financial losses with their property.Renters insurance is policy that cover the renter from financial losses or personal items.

What is the percentage on renters that actually get renters insurance?

About thirty percent get renters insurance. Renters insurance should be the top priority of any renter however. It helps just in case a strom, or anything else does damage to the place one is renting.

How many renters insurance quotes should you compare before making a decision?

You should compare at least 2-5 renters insurance quotes before making a decision. The reason is that comparing is good. It allows you to see the differences between renters insurance quotes.

Can renter make claim against homeowners insurance for theft?

Without seeing your policy, it is difficult to answer with certainty. However, when you are renting, by definition, you do not own the premises. Therefore a renter's policy covers primarily contents. Consequently, subject to the terms and conditions of the policy, a theft claim should be allowed. Be aware that if theft is claimed, the insurer will conduct an investigation to determine that you in fact owned the property, that you were not complicit in the loss, and as to the value of the property. Note also, that it may or may not make sense to make a claim depending upon the amount of your deductible. That is, it may not make sense if the value of the item is only marginally greater than the deductible. It would make no sense if the deductible is greater than the value of the item.

Does an insurance agent have to disclose the name of the company that insures his client if there is a claim against his client?

To make this clearer I called this agent stating I wanted to make a claim against his client. He is an independent agent, and sells insurance from many companies. He is giving me the run around. Is required to tell me the name of the company that insures his client?

What does the insurer waives its right to subrogation under the policy against any Unit Owner mean?

Waiving your right to subrogate means that you waive your right and carriers right to sue the opposing party.

Do you have to pay the excess for a claim against your car insurance?

Your insurance co will cover damages up to the policy limit. If there is excess, you may be suit in civil court for the remaining amount. Once a judgment against you is obtained, you have to pay it.

How long does it take to validate a thief claim renters insurance?

If a person has two or more life insurance policy, what happens in case the insurer passed away?

How do you file a claim against someone elses homeowners insurance?

Generally you don't. Homeowners insurance is property hazardinsurance that is specific to the "named insured" homeowner(s) fromcertain losses incidental to home ownership. If the homeowner agrees that he or she is liable for your loss, thehomeowner can just file a loss notice with his or her insurer. Theinsurer would then contact you (generally within 72 business hours)to process your claim. Contrary to popular belief, A property owner is not automaticallyliable for anything that happens on ones property. The injuredparty will need to prove that the homeowner actually caused theaccident (simply being the owner does not make them liable) throughdirect action or through in-action (negligence). If the homeowner disagrees that they are liable for your loss, thenthat is a matter you may choose to take up with an attorney in acompetent court. If the homeowner purchased liability insurance with his or herpolicy ( many do not ) , that portion of his policy would providecoverage for the cost of the insureds legal defense team as well asany resulting judgments of legal liability.

When should an insurance claim be received?

Insurance claims should be asserted "as soon as practicable", which is the term usually used in the policy. This means, ASAP given all of the circumstances. Among the problems caused by delay, and which can result in the denial of the claim, is that the insurer is not given enough time to investigate the circumstances of the claim. Another is that the insurer may determine that another person or entity is at fault for the loss. Even if the insurer pays the claim of its insured, it has the right to recover its payment from the wrongdoer through the process of subrogation. The fast report of a claim will help ensure the preservation of evidence (material evidence, pictures, witness statements, etc.) that may assist in the subrogation claim.

When should an insurance claim be submitted?

An insurance claim should always be submitted "as soon aspracticable"; in fact, that is the term often used in the policyitself. In general, this means that the claim should be made at thefirst time possible, all things considered. Doing so will give theinsurer sufficient notice so that it can investigate and determineif the claim is payable. Assuming that it is, it will also speedpayment of proceeds. Assuming that someone or something else, other than the insured, isresponsible for the loss, it will also enhance the insurer'sability to recover its payment from the wrongdoer through theprocesses of subrogation or contribution.

When should an insurance claim be sent to the carrier?

I always prefer to contact our carrier as soon as possible with as much information as possible. This allows the company to set up the claim file and assign an adjuster. Even if we don't have an accident report or estimates yet we will have this information and this will give a head start. There are some of my companies that allow me as the agent to hand the entire claim up to certain amounts including writing the claim draft. This is a great advantage when my client can come into the office with the information, report, and estimates and can walk out with a check in a matter of minutes.

Why should someone get renters insurance coverage?

A renters insurance policy offers coverage on a tenant's possessions and contents of the rented property in the event of loss or damage from fire or other catastrophe. While a tenant has no responsibility to ensure the property itself, should they incur a loss the insurance would help them replace their possessions.

What are the allegation of claim against the insurance company?

When an insurance claim is lodged by an insured on the insurancecompany, it's a liability on them. The main allegations against thethe insurers relatinlating to claim is delayed payment, denial ofclaim drastic reduction in claim amount on silly pretexts etc. Theregulatory authorities have tried to minimize the sufferings of theinsured persons by implementing many rules and regulations.Introduction of TPAs is a step in the right direction.