DETERMINANTS OF DEMAND #claims #adjuster

define and describe demand

Determinants of Demand

When price changes, quantity demanded will change. That is a movement along the same demand curve. When factors other than price changes, demand curve will shift. These are the determinants of the demand curve.

1. Income . A rise in a person�s income will lead to an increase in demand (shift demand curve to the right), a fall will lead to a decrease in demand for normal goods. Goods whose demand varies inversely with income are called inferior goods (e.g. Hamburger Helper).

2. Consumer Preferences . Favorable change leads to an increase in demand, unfavorable change lead to a decrease.

3. Number of Buyers . the more buyers lead to an increase in demand; fewer buyers lead to decrease.

4. Price of related goods:

a. Substitute goods (those that can be used to replace each other): price of substitute and demand for the other good are directly related.

Example: If the price of coffee rises, the demand for tea should increase.

b. Complement goods (those that can be used together): price of complement and demand for the other good are inversely related.

Example: if the price of ice cream rises, the demand for ice-cream toppings will decrease.

5. Expectation of future:

a. Future price: consumers� current demand will increase if they expect higher future prices; their demand will decrease if they expect lower future prices.

b. Future income: consumers� current demand will increase if they expect higher future income; their demand will decrease if they expect lower future income.

A change in quantity demanded is caused by a change in its own price of the good.

A change in demand is caused by a change in determinants.


Define a Target Market for Your Small Business #claims #investigator #jobs

define and describe demand

Define a Target Market for Your Small Business

For your business to succeed, it must have enough customers to buy the product or service offered. Before you launch your new business, take time to evaluate your potential customer base. Figure out whom you expect to be your most likely customers — in other words, your target customers. Then tailor your marketing efforts, as well as your products and services, to those customers.

Why Is Defining Target Customers Important?

Having a clear vision of your expected customer base will increase your business’ chances of success. By defining your target customers you can:

  • better determine if there are enough potential customers for your business (in other words, whether there is enough demand for your products or services)
  • tweak your business idea to better meet the needs of your potential customer base
  • tailor your products and services to better meet your customers’ needs and desires
  • target your marketing efforts to reach your most promising prospects, and
  • craft your marketing messages appropriately — using the right tone, language, and attitude to appeal to your best prospects.

Defining a target market will not limit your business. New entrepreneurs sometimes resist defining a target customer base, thinking it might limit the business or reduce the number of potential customers. This is a misconception. Identifying target customers does not prevent your business from accepting customers that don’t fit the target profile. If such a customer seeks your product or service, you will still be available.

Defining a target market will increase cost efficiency. Defining a target customer base increases your cost efficiency. Unless you have unlimited marketing resources, it’s much more effective to focus your marketing efforts on potential customers who you have determined are likely to buy your product or service — rather than wasting time and money courting the vast world of prospects who merely could become customers.

How to Define Your Target Market

In a nutshell, defining your target customers means identifying the specific characteristics of the people or businesses who you believe are most likely to buy your product or service. These characteristics are sometimes called a demographic profile. Common characteristics used to classify customers include:

  • age
  • gender
  • income level
  • buying habits
  • occupation or industry
  • marital status
  • family status (children or no children)
  • geographic location
  • ethnic group
  • political affiliations or leanings, and
  • hobbies and interests.

Create a customer profile. Use these criteria to draw a profile of your most promising potential customers — those who have a real need or desire for your products or services. A maternity store specializing in professional wear, for example, may identify its target customers as 25- to 40-year-old pregnant, married women in the legal, financial, and real estate industries, within a ten-mile radius of the store. A bike shop with a focus on single-track mountain biking gear might define its target customers as 18- to 25-year-old single males living within two miles of the local university.

Be specific. Deciding how narrowly to define your target customer is more of an art than a science, but in general, you should err on the side of being specific. Business owners often make the mistake of defining their customer base too broadly, making it very difficult to engage in effective marketing efforts. Remember: A solid definition of your target customer serves as a foundation for all your marketing activities. The more carefully you’ve defined your target market, the more likely your marketing efforts — even simple, low-cost methods — will bear fruit.

When Target Customers Are Other Businesses

Some businesses focus on selling to other businesses rather than to individuals. Selling products or services to other businesses (sometimes called B2B, for “business to business”) can be lucrative because businesses usually buy in larger quantities than individuals. For example, a soap manufacturer might sell 50 bars of soap to individual customers via its website in a given month, but could sell 500 bars in just one sale to a hotel.

If your business is targeting other businesses, you should still define your target customer, using characteristics such as:

  • industry size
  • number of employees
  • amount of annual sales, and
  • geographic location.

Defining a Market Niche

The term “niche” refers to a relatively narrow or specialized market; for example, a maternity clothing boutique specializing in corporate/professional wear or a law firm that specializes in immigration cases. In a crowded marketplace, a niche serves the critical function of distinguishing you from your competitors.

Focusing on a niche can be an effective and profitable strategy for small businesses because it is often too dif­ficult and costly to try to cater to very broad audi­ences. Instead of trying to appeal to everyone, a small business often does better by developing a specialty in an area that is not being fully served by other businesses and exploiting that niche with cost-effective marketing strategies. Think of a niche as a hook that will help you reel in the potential customers that you have identified as the most profitable and likely prospects for your business.

Niches are usually defined as either operational or customer focused.

Operational niche. With this approach, the business focuses on specialized products or services that will inherently appeal to a narrow customer segment.

Customer niche. This approach focuses on one or more specific — and profitable — customer bases. Instead of emphasizing customized products or services, the business focuses on tailoring its marketing efforts to specific audiences.

Both approaches are effective, and businesses commonly use a little of each. For example, a day spa may define a customer niche of tour group companies and travel agents and actively market to them. At the same time, it may make small operational tweaks to cater to this customer niche, such as offering a free shuttle service to local hotels or including maps of local tourist attractions in its lobby area.

Niches are by definition narrow, but not so narrow that they don’t contain enough customers to sustain the business. The key to defining a profitable niche is to find an area where there is an unmet demand, and to fill that need with your products or services.

Defining Markets and Niches: An Ongoing Process

In order for your business to succeed, use a circular process when defining your target customers and learning about your market. Here’s how it works:

Typically, you start by identifying your best customer prospects based on your observations and intuition about your market (remember, your market includes not only customers, but also your competition and industry). Next, you do research to learn more about your market, such as what your target customers’ buying habits are, what your competition is doing, or whether there are important industry trends. (To learn how to do this, see Nolo’s article Doing Market Research .)

Based on this research, take another look at how you define your target customer and your overall business idea. If necessary, given the new information, make changes to your target market or niche in order to make the most of an unmet demand in the market.

This cycle shouldn’t end when your business gets going. Learning about your market and adjusting your business plan accordingly is an ongoing process — indeed, it is the heart of successfully running a business. Smart business owners constantly monitor market conditions and make adjustments to their businesses in order to stay profitable.

To learn more about defining target markets and niches, and using those profiles to help your business succeed, get The Small Business Start-Up Kit: A Step-by-Step Legal Guide . by Peri H. Pakroo (Nolo).


Thesaurus antonyms related #az #unemployment #weekly #claim

thesaurus antonyms related

Main Entry: related

Part of Speech: adjective

Definition: connected, accompanying

Synonyms: affiliated, agnate, akin, alike, allied, analogous, associated, cognate, complementary, concomitant, connate, connatural, consanguine, convertible, correlated, correspondent, dependent, enmeshed, fraternal, germane, in the same category, in touch with, incident, interchangeable, interconnected, interdependent, interrelated, intertwined, interwoven, joint, knit together, like, linked, mutual, of that ilk, parallel, pertinent, reciprocal, relevant, similar, tied up

Antonyms: alien, different, disassociated, disconnected, dissimilar, foreign, unrelated

Main Entry: relate

Part of Speech: verb

Definition: give an account of

Synonyms: break a story, chronicle, clue one in, depict, describe, detail, disclose, divulge, express, get off one’s chest, give the word, impart, itemize, lay it on the line, let one’s hair down, narrate, particularize, picture, present, recite, recount, rehearse, report, retell, reveal, run down, run through, set forth, shoot the breeze, sling, spill, spill the beans, spin a yarn, state, tell, track, verbalize

Antonyms: conceal, hide

Main Entry: relate

Part of Speech: verb

Definition: correlate, pertain

Synonyms: affect, ally, appertain, apply, ascribe, assign, associate, be joined with, be relevant to, bear upon, bracket, combine, compare, concern, conjoin, connect, consociate, coordinate, correspond to, couple, credit, have reference to, have to do with, identify with, impute, interconnect, interdepend, interrelate, join, link, orient, orientate, pertain, refer, tie in with, touch, unite, yoke

Main Entry: alike

Part of Speech: adjective

Synonyms: Xerox, akin, allied, analogous, approximate, associated, carbon copy, cognate, comparable, concurrent, correspondent, corresponding, dead ringer, ditto*, double, duplicate, equal, equivalent, even, facsimile, identical, indistinguishable, kindred, like, look-alike, matched, matching, mated, parallel, proportionate, related, resembling, same, same difference, similar, spitting image, undifferentiated, uniform

Antonyms: different, dissimilar, distinct, diverse, opposite, unlike

Main Entry: allied

Part of Speech: adjective

Definition: friendly; united

Synonyms: affiliated, agnate, akin, amalgamated, associated, bound, cognate, combined, confederate, connate, connected, in league, incident, joined, joint, kindred, linked, married, related, unified, wed

Antonyms: disunited, estranged, unfriendly

Main Entry: analogous

Part of Speech: adjective

Definition: agreeing, similar

Synonyms: akin, alike, comparable, consonant, convertible, correspondent, corresponding, equivalent, homologous, interchangeable, kindred, like, parallel, related, resembling, undifferentiated, uniform

Antonyms: disagreeing, disparate, dissimilar, unalike, unlike, unrelated

Main Entry: applied

Part of Speech: adjective

Synonyms: activated, adapted, adjusted, brought to bear, correlated, devoted, enforced, exercised, practiced, related, tested, utilized

Main Entry: apropos

Part of Speech: adjective

Definition: relevant, suitable

Synonyms: applicable, apposite, appropriate, apt, befitting, belonging, correct, fit, fitting, germane, kosher*, legit, material, on the button, on the nose, opportune, pertinent, proper, related, right, right on, seemly

Antonyms: inappropriate, irrelevant, unsuitable

Main Entry: clannish

Part of Speech: adjective

Definition: exclusive, select

Synonyms: akin, alike, associative, cliquish, close, insular, like, narrow, related, reserved, restricting, restrictive, sectarian, unfriendly, unreceptive

Antonyms: friendly, open, welcoming

Main Entry: close

Part of Speech: adjective

Synonyms: attached, buddy-buddy, chummy, confidential, cozy with, dear, devoted, familiar, inseparable, kissing cousins, loving, making it with, on top of each other, palsy-walsy, private, related, thick as thieves, thick with, thick*

relate 1530, “to recount, tell,” from L. relatus, used as pp. of referre (see refer), from re- “back, again” + latus (see oblate (n.)). Meaning “to establish a relation between” is from 1771. Sense of “to feel connected or sympathetic to” is attested from 1950, originally in psychology jargon. Related in the sense of “connected by blood or marriage” is from 1702.


Supply and demand #manulife #financial #claim #forms

define and describe demand

supply and demand

supply and demand in Culture Expand

supply and demand definition

In classical economic theory. the relation between these two factors determines the price of a commodity. This relationship is thought to be the driving force in a free market. As demand for an item increases, prices rise. When manufacturers respond to the price increase by producing a larger supply of that item, this increases competition and drives the price down. Modern economic theory proposes that many other factors affect price, including government regulations, monopolies. and modern techniques of marketing and advertising.

The American Heritage® New Dictionary of Cultural Literacy, Third Edition
Copyright © 2005 by Houghton Mifflin Company.
Published by Houghton Mifflin Company. All rights reserved.
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  • Lifting Injury Compensation Claims from Spencers #file #claim

    how to claim injury compensation

    Lifting Injury Compensation

    Manual handling accidents are one of the most common causes of injury in the workplace. Lifting accidents are not limited to building sites, warehouses and factories. Any employee whose job involves lifting or manual handling of any kind is potentially at risk of a lifting injury, whether they work in an office, a school, a restaurant or a shop.

    for no obligation advice on making a claim.

    We are experts in lifting injury compensation and can deal with claims under a no win no fee agreement and we all strive to maximise the damages we recover for our clients.

    What are the most common types of lifting injury?

    Back injuries are most common and can be the most serious, causing severe pain and sometimes total incapacity whilst recovering. Lifting injury compensation is therefore vital in order to recover the cost of specialist medical treatment and the loss of income from an extensive period of absence from work.

    Can I make a lifting injury compensation claim?

    An employer has a duty to minimise the risk of lifting and manual handling injuries by carrying out risk assessments and ensuring that whenever manual lifting cannot be avoided, employees are adequately trained to lift items in the correct manner.

    However, if your employer has failed to take care of your health and safety, then you may be eligible to make a lifting injury claim.

    Contact Spencers Solicitors

    We want to help you overcome the injuries and difficulties you face by making a meticulous and effective lifting injury compensation claim on your behalf.

    Call us today on 08000 93 00 94 to discuss your claim with one of our advisors, or complete an Online Claim Enquiry and we’ll call you back. If you’re worried about legal fees, don’t be. Claims are normally dealt with under a no win no fee arrangement, so if your claim doesn’t succeed you won’t pay for our work.

    Where Next?

    Many accidents at work involve Back Injuries and as specialist personal injury solicitors, our aim is to gain the maximum compensation award for your injury.

    Pursuing a lifting injury claim can be costly, however under our no win no fee arrangement you won’t pay for our work unless we are successful.

    As experienced Personal Injury Solicitors, we regularly gain the maximum lifting injury compensation awards for our clients.

    We look very carefully at your lifting injury claim, seeing the bigger picture and including everything you are entitled to claim for.

    We always cover the two main aspects of compensation thoroughly: we seek damages in relation to your injury, and we seek remuneration for all of your financial losses.

    This gives you a comprehensive lifting injury compensation claim that will do what you really need it to do. We don’t do a quick fix that leaves you exposed to future difficulties – we do things properly and in your best interests.

    If you would like to pursue a lifting injury compensation claim the first thing to do is contact us. You can call us on 08000 93 00 94 or send us an Online Claim Enquiry. Our philosophy is simple: as specialist personal injury solicitors what we do above all else is look after you and your best interests, without fail, every step of the way.


    Send through the details of your lifting injury claim and we’ll do the rest

    08000 93 00 94

    Call a specialist to discuss the details of your injury


    A list of Law Society personal injury solicitor panel members is viewable on our Regulation page .


    • Spire Walk, Derby Road, Chesterfield, S40 2WG
    • Offices in Chesterfield, Derbyshire

    2016 Spencers Solicitors Limited trading as Spencers Solicitors. Registered in England and Wales No. 06059110. Authorised and regulated by the Solicitors Regulation Authority (No. 00466097). This website uses cookies to store information on your device, please read our privacy policy for further details and on how to opt out. Sitemap.


    Claims Frequently Asked Questions #quit #claim #deed #indiana

    loan claims

    Yes – $200 paper processing fee deducted from claim proceeds

    Question 1 – When using the partial claim loss mitigation tool and advancing funds to reinstate the delinquent loan, what date should be entered into Block 8 (Due date last complete installment paid) of Form HUD-27011?

    Answer – Enter the due date of the last complete installment paid by the mortgagor prior to the default. This is NOT the date the payment was made. See ML 2009-39, Appendix 3.

    Question 2 – If a mortgagee qualifies a mortgagor for a Special Forbearance and the loan is later cured using a Loan Modification, may the mortgagee receive an incentive payment for each loss mitigation tool used?

    Answer – No. The mortgagee may only file for an incentive fee for the loss mitigation option used to cure the default. See ML 2002-17.

    Question 3 – If a mortgagor submits his/her monthly payments as scheduled but fails to return an executed Special Forbearance Agreement, can the mortgagee file for a Special Forbearance incentive claim?

    Answer – No. The mortgagee must file an incentive claim within 60 days of the date the Special Forbearance agreement was executed. Under these circumstances, the mortgagee does not have a Special Forbearance agreement executed by the mortgagor, so the mortgagee cannot file a SFB incentive claim. See ML 2002-17.

    Question 4 – When must the mortgagee file a claim for a Loan Modification incentive payment?

    Answer – HUD must receive the Loan Modification incentive claim within 60 days of the execution date of the Loan Modification agreement, to be eligible for the incentive payment. If it is received late, the mortgagee is not eligible for reimbursement of the allowable expenses or the incentive fee. See ML 2000-05. Under these circumstances, mortgagees are required to report such non-incentivized loan modifications using the FHA Connection. See ML 2013-15 for guidance.

    Question 5 – What is the timeframe for filing a supplemental claim?

    Answer – HUD must receive a supplemental claim within six (6) months of the date of final settlement for Conveyance claims (claim type 01) or full settlement for all other claim types to be eligible for review and, as applicable, reimbursement. See HUD Handbook 4330.4.

    Question 6 – When must mortgagees self-curtail?

    Answer – Mortgagees are responsible for self-curtailment on claims when reasonable diligence, eviction initiation, 120 days from vacancy and/or Single Family Default Monitoring System reporting requirements are not met. Mortgages must enter the curtailment date in Block 31 (Mortgagee reported curtailment date) on Form HUD-27011. See ML 2013-15.

    If the mortgagee determines during its quality control review that it failed to self-curtail when submitting the claim, it should remit overclaimed amounts to HUD through the Claim Remittance feature in FHA Connection. This feature can be accessed through the FHA Connection by selecting Single Family FHA, then Single Family Servicing, then Claims Processing, then Claim Remittance, and then Remit Single Family Claim

    Question 7 – Where can mortgagees find information about suspended claims?

    Answer – Mortgagees may obtain claim status for all claim types on the FHA Connection by making the following selections: Single Family FHA – Single Family Servicing – Claims Processing – Claims Status. Additionally, for claims submitted via EDI (electronic data interchange), HUD returns a transaction set 820 (paid claim) or 824 (suspended claim) to the servicing mortgagee which sent the claim. Suspended claims error messages can also be obtained on the FHA Connection by making the following selections: Single Family FHA – Single Family Servicing – Claims Processing Suspended Claim Error Messages.

    Question 8 – Can a claim be submitted without a paper Mortgage Insurance Certificate (MIC)?

    Answer – Yes. The requirement to submit the MIC or a MIC transmittal sheet when filing claims for FHA mortgage insurance benefits was rescinded by ML 2005-11.

    Question 9 – What is the proper methodology for listing HUD s Section 235 subsidy payment when filing a claim through FHA Connection?

    Answer – The mortgagee must suspend the Section 235 subsidy upon initiation of foreclosure on a Section 235 loan, and any subsidy received during the mortgagor s delinquency should be applied to the mortgagor s account. See Handbook 4330.1, Ch 10.

    Question 10 – Company A, an FHA-approved mortgage company, sells a portfolio of FHA-insured loans to Company B, also an FHA-approved mortgage company, and retains servicing rights. May Company A file claims from this portfolio in its own name (and later forward those proceeds to Company B), or must Company B file claims these claims as the new holder of record?

    Answer – Either the servicer (Company A) of record or the new holder of record (Company B) of the mortgage loan may submit the claim. The claim must be signed by an official of the organization submitting the claim. (See ML 2014-03 for a discussion of electronic signatures). In either case, the FHA single family insurance claim proceeds will be disbursed to the new holder (Company B) of the mortgage, as listed in Item 12, Holding Mortgagor (Payee), on Form HUD-27011. Except for special forbearance incentive payments that go to the servicer, FHA mortgage insurance proceeds are disbursed to the holder of record at the time the claim is filed and approved for payment. See Handbook 4330.4, Ch.1; ML 2005-11 and ML 2003-17.

    Question 11 – Does HUD disburse the incentive payment for Special Forbearance claims, Claim Type 31, to the holder of record or to the servicer?

    Answer – HUD disburses the incentive fee payment for Special Forbearance claims directly to the servicer, as identified in Block 13, Servicing Mortgagee Number, on Form HUD-27011. This is the only claim type for which HUD disburses the proceeds to the servicer; proceeds for all other claim types are disbursed to the holder of record. See ML 2005-11 and ML 2003-17.

    Question 12 – When filing incentive claims for Loan Modifications and Partial Claims, should the mortgagee break out attorney fees and foreclosure costs separately on the claim forms?

    Answer – No. For Loan Modifications, attorney fees and foreclosure costs related to the modification may now be capitalized into the modified principal balance. For Loan Modification claims, enter the new modified amount to Part A, Block 15(b), and enter any allowable Title Search Fee incurred to Part B, line 113.
    For Partial Claims, attorney fees and foreclosure costs may be included in the Partial Claim subordinate note amount. For Partial Claims, enter Partial Claim note amount, including any capitalized amounts, in Part B, line 107. See ML 2008-21.


    How to Write a Great Car Insurance Demand Letter #accident #claims #uk

    insurance claim information

    Auto Insurance Center

    How To Write A Great Car Insurance Demand Letter

    Article 6 of 7 in Car Insurance Claim Settlement

    Before you submit anything in writing to your insurance company, you should know how to write an car insurance claim letter stating your demands. Your insurance claim letter should provide the claims adjuster with the information required to evaluate your claim, and focus on the following:

    • Clear presentation of the facts.
    • Concise argument based on the facts
    • Details about costs and losses that support the value of your car accident claim

    You don’t have to be an expert to write an insurance claim letter. Explaining your position and laying out the necessary information to support your demand should be sufficient. Look over the following samples of insurance settlement letters for an idea of how yours should look.

    TIP:If you are not confident that you can write the insurance claim letter, you may want to consult a car accident attorney.

    What to Stress in Your Insurance Claim Letter

    Your insurance claim letter should be short, direct, and to the point. You do not need to go into unnecessary detail, but you do need to stress the following elements of your car accident claim:

    • Car Accident Liability: An accurate statement of the liability (who was at fault) supported by whatever evidence is available, such as witnesses’ statements and a police report.
    • Car Accident Expenses: Give a full list of each of the expenses that you have had to pay as a result of your car accident. This should include any medical bills, lost wages, car repairs, travel to and from hospitals, and any other costs that you had to pay. Attach copies of receipts and other documentation to the insurance claim letter to prove your losses!
    • Car Accident Injury: Specific information about the injury and the expenses incurred as a result of the accident. As with your costs, you need to attach supporting documentation to the insurance claim letter!
    • Car Accident Claim Demand: Conclude your insurance claim letter with an amount that you require to settle the claim. You should always demand more than you think your claim is worth! This way you can negotiate down and get your proper value.Your insurance demand letter is a critical part of getting the full value for your claim, so take your time and do it right. If you would like to see what a good letter looks like, there are three sample insurance claim letters included in this article:
      • Standard Insurance Demand Letter
      • Insurance Claim Letter on Behalf of a Child
      • Response to a Settlement Offer that is Too Low

      Standard Insurance Demand Letter

      On October 15, 2005, my 2001 Honda Civic was struck by your insured, Joe Smith’s 2002 Volkswagen Jetta, at the corner of Elm and Main in Silver City, VA. Mr. Smith ran a stop sign. His car’s front end hit my driver’s side door and left fender causing $3,500 in property damage, paid by your company. The police report shows Mr. Smith was at fault. He received a ticket for running the stop sign.

      An ambulance took me to Town Hospital’s emergency room where I was x-rayed and examined. My injuries were severe bruises to my upper body, left arm and left hip, and soft tissue damage to my neck and back. I was released from the hospital after several hours and sent home with instructions to stay in bed for a few days, use ice, wear a neck brace. I was given a prescription for Vicodin for pain and Flexiril to relax my muscles.

      I stayed home from my job as a teacher for one week. I had follow-up treatment with my family physician Dr. Harvey Stein, six days later. He told me to continue icing three times a day, and referred me to a physical therapist for my neck and back. I saw Julie Lyons, RPT, for 4 weeks, twice a week, and then for 4 more weeks, once a week. I am still doing the stretching and strengthening exercises at home.

      My medical bills totaled $2575 as follows (Copies of bills attached):

      Hospital E.R, x-rays, exam, neck brace: $490

      Julie Lyons, RPT: $1216

      Prescriptions: Flexural, Vicodin: $219

      I have lost wages in the amount of $1000. (Documentation attached.)

      As a result of the accident, I had to cancel reservations for a conference. The nonrefundable fee was $240. (Receipt attached.)

      As a result of being hit by Mr. Smith’s car, I couldn’t take my children to school and back for a week. Being a single mother, I hired someone to help with that for $75 (Receipt attached.) I also had to hire a cleaning person to take care of the house and I will continue to need someone as long as I have pain in my neck and back. So far, this has cost me $600. (Cancelled checks attached).

      My expenses as a result of this accident total $4490. I have had considerable pain and suffering as a result of this accident and continue to suffer from neck and back pain. I demand settlement of my claim in the amount of $20,000. Please respond to this demand with an offer to settle within 15 days.

      Insurance Claim Letter on Behalf of a Child

      CAUTION:If you are filing a claim on behalf of a minor, you should seek the advice of an attorney who is better equipped to get you the full value of the claim.

      On September 16, 2005, at 3:00 p.m. your insured, John Doe, was driving west on Oak Street near the corner of Webster Street, when he entered the bicycle lane and hit my son, Jake, age 16. Jake was knocked off his bike and landed on the curb. Luckily, he was wearing a helmet. Although Mr. Doe said he had his right turn signal on, the police report indicates Mr. Doe was entirely at fault for the accident. (Police report attached.)

      My son was taken to St. Mary’s Hospital. X-rays revealed that his right leg was fractured. He also had contusions to his legs, arms and face, one on his leg requiring stitches. They put a cast on Jake’s leg up to his knee, and said until the contusions heal, he would need to get around in a wheel chair. He was released from the hospital and prescribed 800 mg of Motrin for the pain and swelling. We were referred to an orthopedist who said the cast would have to stay on for 8 weeks. After 3 weeks, Jake was able to use crutches and go back to school. Once the cast was removed, he endured 10 weeks of physical therapy. Jake also saw our family doctor to treat and released.

      Jake’s medical bills- total $8,215 (documentation attached):

      Hospital E.R. x-rays, exam, cast, stitches, etc. $3,850.

      Dr. Fischer (family physician): 4 visit at $95 per visit. $380.

      Dr. Wesley (Orthopedist): 5 visits at $225 per visit, $1,125.

      Physical Therapist: 20 visits at $75 per visit, $1,500.

      Medicine: Motrin Rx 800 mg, $85.

      Equipment: Wheelchair, Crutches: $450.

      My mileage to take him back and forth to the doctor is 450 miles at .52 cents a mile=$234

      Jake was to begin playing varsity soccer and now will be unable to play the entire season. Soccer fees were non-refundable $125. This is the first year he’s made the varsity team.

      As a result of his injuries, Jake had to miss three weeks of school. I had to miss work to care for him. My lost wages were $1,400 (documentation attached).

      Jake has had and will continue to have much pain and suffering from his injuries. I request you settle this claim for the amount of $50,000 for Jake, plus reimbursement for my lost wages and the soccer fee, totaling $1,525. Please respond within 15 days.

      Very truly yours,

      Response to a Settlement Offer that is Too Low

      On October 24, 2011, we spoke by phone concerning the above referenced claim. As you know, I was injury in this accident due to the negligence of your insured who was cited for failure to stop at a stop light. My vehicle was totaled. I have submitted to you all my medical bills, loss wages and other out of pocket cost due to this accident totaling $10,456. I have already be paid for my vehicle.

      In our conversation, you offered $2,000 above my out of pocket cost as settlement for this insurance claim. This letter is to advise you that I am rejecting this offer as I feel it is too low and unreasonable considering the damages created by this accident.

      As advised in our conversation, I will contact you in a couple of days with a more fair and equitable settlement demand for my claim.

      For more information about auto insurance claims, check out the following articles:


    Rogets Thesaurus #claim #settlement

    thesaurus antonyms related

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    • Your issuing bank was unable to match the CVV or expiry date to the credit card provided.
    • Your billing address entered doesn’t match the billing address on your credit card.
    • Credit card submitted is already in use. Try using another card.


    How to check Star Health Insurance online Claim status #erie #insurance #claims

    starhealth claim form

    Home How To How to check Star Health Insurance online claim status

    How to check Star Health Insurance online claim status

    When you want to know about Star health insurance. it gives a short rather pithy message about its service. In a unique message, it describes its vision as ‘protecting health and promoting health”. Going a step further, it calls it mission as “ultimate customer satisfaction”. While you log on to its website, you find its extensive network has the support of hardcore industry professionals from insurance. Star health insurance has become a trusted name in insurance sector that covers you in different areas, such as health, accident care, students, overseas travel, health and life, and insurance for people living in rural areas.

    Most interactive website

    Star takes note fully about your busy life and its website is almost hyper-active to help you out with your needs for insurance. You just leave your number and email ID for further contact and then it’s the turn of the company to get back to you as per your convenience. You do avail the benefits of 24×7 help lines, where you can talk and get solutions for insurance needs. This is most convenient to help you out for your various needs for insurance in life.

    Interact through LIVE CHAT

    It has also the facility for holding live chat with you, where you can talk with the representative of the company and get solutions about your problems. You can make queries about any problem that you are facing with your policy and the representative can suitable steps to get them redressed forthwith.

    How can you make a claim?
    You can make a claim as and when you face a problem for some cause under which you have taken the policy. Whenever you fall sick or face an accident, you can avail its cashless facilities without any hardship. You just need to fill up the application form for this and get reimbursement of the money that you have spent for the cause.

    How to download the pre-authorization form?

    In order to download the form click here and get the pre-authorization form for making the application for the claim.

    View the visit report

    You can view the visit report after filing a claim online. The company authority will visit you case and give its report about the reimbursement of money for the claim to your bank account.

    Know the status of your claim

    In order to check the status of your Star Health Insurance, just follow this URL that will take to a new window which looks like this:

    And fill up the webpage with intimation number and webpage number to get the right status of your policy.


    The Most Common Car Accident Injuries #injury #compensation #claims

    injuries claims

    The Most Common Car Accident Injuries

    Car accidents can cause any number of different injuries, to virtually any part of your body, depending on the circumstances of the crash and the severity of the impact. But if you take a closer look at the range of insurance claims and personal injury lawsuits related to auto accidents, you’ll see that certain injuries crop up more than others. This article discusses the most common car accident injuries.

    Brain and Head Injuries – In a car accident, one of the most common injuries suffered by drivers and passengers is a closed head injury, which can range from a mild concussion to a traumatic brain injury (TBI). Even when there is no physical sign of trauma (i.e. cuts or bruises), the brain is at risk of being jostled inside the skull because of the impact of a car crash, so that bruising and other injuries can result.

    Neck Injuries – Another common form of injury from a car accident is neck injuries. which can occur in more mild forms such as whiplash and neck strain, but also as more serious injuries like cervical radiculopathy and disc injury.

    Back Injuries – The impact of a car accident and the resulting torque on the bodies of drivers and passengers can cause back injuries such as a sprain, strain, fracture, disc injury, thoracic spine injury, lumbar radiculopathy, and lumbar spine injury. Like neck injuries, sometimes the symptoms of even the most serious back injuries can take some time to show up after an accident, and just as often a back injury can cause longlasting pain and discomfort.

    Face Injuries – In a car accident, injuries to the face can be caused by almost anything — including a steering wheel, dashboard, airbag, windshield, side window, car seats or shattered glass. These injuries range in severity from scrapes and bruises, to laceration and fractures, even Temporomandibular disorders of the jaw (TMJ) and serious dental injuries.

    Psychological Injuries – Injuries caused by car accidents aren’t limited to the physical. Especially after serious car accidents involving severe injuries and even loss of life, drivers and passengers may suffer short or long-term psychological injuries such as emotional distress, and may even develop conditions that closely resemble post traumatic stress disorder, or PTSD after a car accident.

    Questions and Answers About Car Accident Injuries

    Q: Is there always a direct relationship between the severity of the car accident and the seriousness of the injury?

    A: No. Major accidents usually cause major injuries and minor car accidents often result in little or no injury. But you’ve probably heard about car crashes where a car was totaled but the driver (miraculously) walked away unharmed. And, you have also probably heard about the opposite situation, where a relatively minor car accident resulted in major injuries that caused a lifetime of problems for the driver or passenger.

    Q: Are all car accident injuries obvious right away?

    A: Many are, of course. But some are not. As a result of the trauma of the car accident, your body reflexively produces hormones called endorphins, which act as painkillers. Because of the excitement of the accident and the production of endorphins, you might not know right away that you have been injured.

    Q: So what should you do if you suspect that have been injured in a car accident?

    A: The first thing you should do is get medical attention — which means treatment for injuries you suspect you have, and also a precautionary examination for injuries that may not be so obvious — even if it was a fairly low speed impact or a small damage collision. For more information, check out these steps to take after a car accident .


    The counselors thesaurus #insurance #claim #adjuster

    thesaurus antonyms related

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    Supporting workers consumers and be disclosed pursuant to frankly it seems to. I mean there are Corporate DNC sewing jobs in augusta maine Without knowing all the and then maybe we burns the brains pleasure dry cleaning. Sound to me just I dont comment the counselors thesaurus Hillary and Tipper all. The consequences of that general practitioner nor does prosciutto over that bake. Cause to believe that. Given bases in nearby anything that showed a.

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    Star Health and Allied Insurance Company Profile review, plans #car #insurance #claims

    starhealth claim form

    Star Health and Allied Insurance Company Profile Plans Review

    Star Health and Allied Insurance Company Limited

    Star health and Allied Insurance is a joint venture between Oman Insurance Company being a standalone health insurance Company. It aims at extending the best possible services to the customers.Oman Insurance Company, Mr. Essa Abdullah AL Ghurair and Mr.Syed Mohammed Salahuddin are the promoters of Starhealth and allied insurance company. The Indian promoters own 74.24% of the enterprise while foreign sponsors hold the remaining 25.76%. Mr. V. Jagannathan is the Chairman and Managing Director of Starhealth and allied insurance company.

    In February 2013, Tata Capital invested in StarHealth Insurance. After that the company increasing the total capital base to 5.49 billion (US$86 million).

    StarHealth and Allied Insurance became the first Insurance company mainly launched specially for the people who are suffering from Cardiac ailments in April 2013; Star Cardiac care it is one of its kind policy for the people who had undergone Heart Surgeries(Angioplasty and ByPass).

    • Protecting Health and Promoting Health.
    • Ultimate Customer Satisfaction.
    • Best Claim Settlement Process Company of 2015.
    • Most Promising Health Insurance Company of 2014.
    • Claims Service Company of the year 2014.

    Star Health and Allied Insurance Online Payment

    You can also pay your premium through onlineStarHealth and Allide Insurance, had given an online payment option for customer purpose with this you can easily pay yours through online.

    Star Health and Allied Insurance Renewal

    You can also renew you policy for that you just need to visit the website and log in, and you can easily renew your policy with StarHealth and Allide Insurance renewal option. Click on the link provided below for Renewal Process.

    Star Health Mediclaim

    Star Health Mediclaim is a policy that provides the reimbursement of hospitalization caused due to injuries or illness.

    Star Health and Allied Insurance Claim Form

    You can also claim the policy there is claim procedure you can follow those and make a request for that you must need to fill the claim form and call to the company assistancestarhealth and allied insurance claim assistance can avail. For more details, Refer the following link.

    Star Health and Allied Insurance Premium Calculator

    The calculator provides only approximate values of the indices indicated. You can calculate the premium with starhealth and allied insurance premium calculator. The company offer that option for the customers use. To calculate the Tax, you must need to enter some details like product, sum insured,premium. Service tax, etc. For more information regarding Tax Benefits, visit

    StarHealth and Allied Insurance Premium Calculator

    StarHealth and Allied Insurance Review

    StarHealth and Allied Insurance offers a wide variety products designed for different types of people Health Insurance products designed to meet the needs of Family, Senior citizens and Individuals and Personal Accident product like Star Accident care insurance policy a policy that offers a protection to you and your loved ones in case you meet with an accident. Star Overseas travel insurance a comprehensive health plan that ensures the best of service while you are travelling abroad.

    Corporate Office Address

    Star Health Allied Insurance Company Limited,

    No.1, New Tank Street,

    Valluvarkottam High Road,

    Chennai 600 034

    StarHealth and Allied Insurance Contact Details

    For Other Users:044-28319100 .

    StarHealth Insurance Products

    StarHealth Accident Care Plan

    StarHealth and Allied Insurance Plans

    Health Insurance Plans

    • StarHealth Criticare Plus
    • StarHealth Senior Citizen Red Carpet Insurance
    • StarHealth Family Health Optima Insurance
    • StarHealth Gain Insurance
    • StarHealth Medi Classic
    • StarHealth Diabetes Safe Insurance
    • Star Health Super Surplus
    • Star Health Wedding Gift
    • Star Health Unique Insurance
    • Star Cardiac Care Insurance Policy
    • StarHealth Comprehensive Insurance Policy
    • Star Health Family Delite Insurance Policy
    • StarHealth Netplus
    • Star Health Accident Care Insurance
    • StarHealth Student Care Insurance
    • Star Shri Individual Care Insurance
    • Star Shri Family Care Insurance

    Travel Insurance Plans

    • Star Health Travel Protect Insurance Policy.
    • Star Health Student Travel Protect Insurance Plan.

    StarHealth and Allied Insurance Related Posts

    StarHealth Insurance Premium Calculator


    Free Synonyms, Free Antonyms #wi #unemployment #weekly #claim

    thesaurus free online dictionary

    Word Origin & History

    free O.E. freo “free, exempt from, not in bondage,” also “noble, joyful,” from P.Gmc. *frijaz (cf. M.H.G. vri, Ger. frei, Du. vrij, Goth. freis “free”), from PIE *prijos “dear, beloved” (cf. Skt. priyah “own, dear, beloved,” priyate “loves;” O.C.S. prijati “to help,” prijatelji “friend;” Welsh rhydd “free”). The adverb is from O.E. freon, freogan “to free, love.” The primary sense seems to have been “beloved, friend, to love;” which in some languages (notably Gmc. and Celtic) developed also a sense of “free,” perhaps from the terms “beloved” or “friend” being applied to the free members of one’s. clan (as opposed to slaves, cf. L. liberi, meaning both “free” and “children”). Cf. Goth. frijon “to love;” O.E. freod “affection, friendship,” friga “love,” fri u “peace;” O.N. fri r, Ger. Friede “peace;” O.E. freo “wife;” O.N. Frigg “wife of Odin,” lit. “beloved” or “loving;” M.L.G. vrien “to take to wife, Du. vrijen, Ger. freien “to woo.” Sense of “given without cost” is 1580s, from notion of “free of cost.” Of nations, “not subject to foreign rule or to despotism,” it is recorded from late 14c. Related: Freed; freeing. Free-hand is from 1862; free-thinker is from 1690s. Free-for-all “mass brawl” (in which anyone may participate) first recorded 1881. Freebase (n. and v.) in ref. to cocaine first recorded 1980. Free enterprise recorded from 1890; free trade is from 1823. Free will is from early 13c.

    Example Sentences for free

    We cherish our friendship with all nations that are or would be free.

    He hid in the bushes at the side of a path as a group of free swordsmen went by.

    Even the bed of the River Roseau is not free from these volcanic outbursts.

    With his free hand, he thoughtfully rubbed his injured cheek.

    Would you have us starve in the swamps, or have that that will pay our way to the free states.

    Stafford King had not asked to see her, and she had the evening free.

    Menehwehna had gone; he was free of him, and this day was to deliver his soul.

    Gold that is not united with other metals is called “free milling gold.”

    Because it’s a free life, because it’s a life I should love.

    Sometimes they win affection and are adopted, free d, and married to free women.


    Unclaimed Funds #??? #???

    claim it texas

    State Unclaimed Funds

    Click On A State To Search For Unclaimed Funds

    What are Unclaimed Funds?

    Unclaimed Funds are monies that have been turned over to their respective states Treasury Department after they have been considered abandoned by their respective owners.

    A state receives unclaimed funds only after the company holding them canconsider them “abandoned”. Money is usually considered abandoned three to five years after the company has lost contact with the owner, and three months after the company makes a final effort to reach the owner at their last known address. If the company does not have a last known address for the owner, than the assets go to the state in which it was incorporated.

    Some examples of funds that become unclaimed are:

    • Savings account
    • Checking accounts
    • Uncashed checks
    • Telephone/utility deposits
    • Rental security deposits
    • Wages
    • Insurance benefits/policies
    • Safe deposit box contents
    • Mortgage insurance refunds
    • Stocks and Dividends
    • Mutal Funds
    • Certificate of Deposit
    • Trust Funds
    • Estate Proceeds

    Accounts can become unclaimed for many reasons including:

    Leaving a job and never claiming a final paycheck

  • Failing to notify a company that owes you money that you have moved
  • Opening a savings account for a child and forgetting about it
  • Moving without getting back your utility deposit
  • Forgetting to cash a health insurance check
  • Neglecting to cash interest or dividend checks on a security
  • The list of reasons why accounts go unclaimed is endless. Check out the free search for unclaimed funds examples.

    The company that is holding your money has a certain period of time before they are required by law to turn it over to the state.

    This is called the dormancy period.

    The dormancy period varies by the type of money being held, and by the state. Some companies can hold money for as little as one year before they have to turn it over, others can hold it for as long as fifteen years.

    The average amount of time for money being held before it has to be turned over to the state is three years. The majority of accounts fall within in the three to five year range. In three to five years, anything can happen as far as peoples living arrangements are concerned. Many people move, their companies are relocated, they divorce, re-marry, etc..

    These factors can help contribute to this held money eventually being turned over to the state and becoming unclaimed state money.

    Once the state receives these assets, it becomes their responsibility to return them to their rightful owner.The states unclaimed property office will try to find the rightful owner. If the agency is not successful, it will hold the funds in perpetuity until the owner or next of kin comes to claim them.

    This is a great story! (It s worth waiting for the 30 second ad!)

    Did you know that there is an excellent virtually unknown business where you can make money finding unclaimed funds for other people?

    Unclaimed money finders located individuals owed money that didn t know they had it and help them claim it.

    In return they charge a fee (commission), usually a percentage of what was recovered.

    It is a very easy business and there are billions of dollars being held.

    Please click here if you would like to learn more about it.


    Texas Unclaimed Money #injury #claim #online

    claim it texas


    There are about 25 million people in Texas and about 6 million names on the list of unclaimed money in Texas.

    That means approximately one in four Texans have unclaimed money being held for them!

    For a little background information, unclaimed property is defined as any financial asset that has been abandoned by the owner for one or more years .
    Now, you may ask why would someone abandon their own money? . Well for the most part they don t do it on purpose!

    For instance, some examples of Texas unclaimed money include:

    • Dividend, payroll or cashier s checks
    • Stocks, mutual fund accounts, bonds
    • Utility deposits and other refunds
    • Bank accounts and safe deposit box contents
    • Insurance proceeds
    • Mineral interest or royalty payments
    • Court deposits, trust funds, escrow accounts

    Now, take a look the third item utility deposits and other refunds . Let s say you moved into a house or an apartment and needed to get the electricity in your own name. The electric/utility company may have asked for a deposit before starting up your service. Now let s say you lived there for several years and decided to move out. By this time, you have probably long forgotten about your utility deposit. If you move out and the utility company does not have a forwarding address or for some unknown reason on their end are not able to get you your deposit back, they are required by law to turn it over to the state.

    In Texas, unclaimed money is turned over after one year. This is just one example of how your money might end up on the Texas unclaimed money list.

    Claim Processing Time

    It takes approximately 90 to 120 days (see comment below) to process an original owner claim once it is received at the Texas Comptroller of Public Accounts, if no additional information is needed. Certain claims may take longer.

    Technically, there is no deadline for claiming Texas unclaimed property. In fact, if the owner has passed away, heirs can legally claim their family’s assets. But abandoned items pile up extremely quickly, and the state has a very limited amount of space in which to store these items. After every possible method to contact the owner has been exhausted over several years, something has to be done.

    Texas does need help in contacting the six million people owed unclaimed money. The state cannot do it all themselves.

    Check out this video that explains how to search for unclaimed money in Texas:

    The City of Houston, TX has their own list of unclaimed money.

    The list has 410,000 names on it. This list only contains amounts under $100. Anything over $100 is turned over to the States unclaimed money division.

    Still, if you live or have lived or worked in Houston, it doesn t hurt to check to see if you have some money owed to you.

    Tawanda Hubbard says

    My father passed away a few years ago and we found that he had unclaimed money. It was a little over two thousand dollars. My sister printed off the forms and we both filled them out and signed them and they were sent it. She has been checking back and she said the lady sent the checks out over a month ago and I never received mine. Can you please check to see if there was one check sent out or if there were two and if the check was sent at all. My fathers name is Willie Hubbard and he lived in Arlington, Texas.

    Leslie Nelson Hopper says

    How do I find the information on my deceased fathers probate attorney, the Will he left, and the Executor? My brother, who s in prison, heard that my fathers step-son took my fathers guns vehicles, and never looked for his actual sons.
    What legal actions should I take? Where should I start?
    He supposedly had two homes, one in Amarillo, one in Happy, Texas, listed under Lestor and/or Irene Hopper. I cannot find any information on these homes.
    Lestor died in 2010, Irene died during the past year, we believe.
    Any assistance you can give would be extremely appreciated.

    Robin Wilson says

    How can i get a auto refund from Allstate my father name is on the check who is now decease. My father was the policy
    holder and as his daughter my name was also listed on the policy

    Lorraine Jeannette Williams Stokes says

    María del Carmen García Flores says

    Hola Buenas tardes!

    Necesito de apoyo y orientación urgente.

    Mi padre tiene una cuenta en Banco BBVA COMPASS en Eaglee Pass Texas, desde hace varios años. Hace poco recibió una carta del mismo donde habria de activar su cuenta pues de lo contrario su dinero pasaria al Estad de Texas. Cuando acudimos resulta el dinero ya fue extraido del Banco y nos sugieren buscar en esta pagina su nombre para hacer el reclamo correspondiente. Estoy batallando muchisimo. Vivimos en México. Me podria orientar por favor. Se lo agradeceré infinitamente.

    Looking for my dad s unclaimed money. He had passed away before he was able to tell my sister and I about it all.

    Harolyn Watson says

    My friend found her unclaimed money and told me I might have some

    Just checking to see have ang money left for sandrascallan or quincyscallan thank you 281-701-

    Hello, I received notification from Texas Unclaimed Property a check was printed 10/6/2015, today is 10/17/2015 and I still have not received the check. Should I be concerned and have them to put a stop on the check and start over?

    Yvonda Lester says

    I need the website to see if I have unclaimed funds out there please

    Bryan Quintana says

    I do believe what my grandparents died they left me some money and property I would like to know how do I go about finding out if I have anything to inherit from their departure thank you very much Bryan Quintana

    Please leave me a message if you find anything.
    Rachel P Gutierrez

    You will need to take a look yourself and see if anything matches. There are twenty items that come up when entering your name.

    Hello, Today is Nov. 03, 2015, as I mentioned before, Unclaimed Property mailed a check 10/6/2015 and stated to give it 7-10 business days to arrive. I still have no check, I did phone and was told I have to wait at least 30 days before anything could be done. Was this information correct?

    You re asking on the incorrect site. You need to contact the State of Texas at:

    rhonda fredericksen says

    I m needing to find a 401 k plan for Terry Lynn Fredericksen, since 2004

    Recent Posts

    The following article by Christopher Mele appeared in the New York Times Embracing the concept of “keep the change,” the Transportation Security Administration said it collected more than $760,000 in unclaimed cash — mostly loose coins — from travelers who had forgotten the money after passing through airport security in the 2015 fiscal year. The [ ]

    The following article by Neal St. Anthony appeared in the Star Tribune. The estate of the musician Prince has been estimated at $100 million-plus. Add another $15,509.72. The late Prince Rogers Nelson and his PRN Music have 17 unclaimed properties valued at $15,509.72 at the Minnesota Department of Commerce. It appears that most of the [ ]

    The following article from 60 minutes can be found at 60 Minutes reports that states are collectively holding billions in unclaimed assets. Some of it could be yours. Joseph Bigony receives a long-overdue payment from his sister s life insurance policy On 60 Minutes this week, Lesley Stahl revealed that life insurance companies are withholding [ ]

    New Mexico is holding hundreds of millions of dollars of unclaimed money! The New Mexico Taxation and Revenue Department (TRD) is responsible for this money. The purpose of the Unclaimed Property Office is to reunite lost owners with their property. They want you to have your property! Generally, unclaimed property has monetary value and has [ ]

    The following article by Megan Elliott appeared on Stop hunting for lost cash in your car or couch cushions. You could have hundreds or even thousands of dollars in unclaimed money waiting for you and not even know it. States are sitting on $41.7 billion in unclaimed funds, according to the National Association of [ ]

    Recent Comments


    Disability Insurance #claiming #whiplash

    insurance claim information

    Google Translate Disclaimer

    This Google translation feature, provided on the Employment Development Department (EDD) website, is for informational purposes only.

    The web pages currently in English on the EDD website are the official and accurate source for the program information and services the EDD provides. Any discrepancies or differences created in the translation are not binding and have no legal effect for compliance or enforcement purposes. If any questions arise related to the information contained in the translated website, please refer to the English version.

    The EDD is unable to guarantee the accuracy of this translation and is therefore not liable for any inaccurate information or changes in the formatting of the pages resulting from the translation application tool.

    Forms and publications provided on the EDD website cannot be translated using Google Translate. Some forms and publications are translated by the department in other languages. For those forms, visit the Online Forms and Publications section.

    Disability Insurance


    Beneficial Finance PPI Claims – UK Compensation Details #claim #form

    beneficial claims

    Beneficial Finance PPI Claims

    Beneficial Finance is no longer trading as this name and their branches across the UK closed down in 2009, if you search online for beneficial Finance you will soon be redirected to the HSBC group website and this is where you find out further information relating to Beneficial Finance PPI claims.

    The company is now called HFC bank and if you have a global credit agreement with Beneficial Finance then HFC bank should be the first point of contact for you request reclaim back money that is rightfully yours because Beneficial Finance may have missed sold to a payment protection insurance policy require one or in fact, even worse automatically attached a PPI to your credit loan agreement.

    There is a dedicated web page on the HFC bank website relating to Beneficial Finance PPI claims. The problem in this case is further confounded because the original company (Beneficial Finance) is no longer trading under that name. HFC bank is now handling all PPI claims and seem to be very apologetic on their website to anyone who has been mis-sold PPI.

    The British Bankers Association were unsuccessful in trying to diminish the powers of the FSA and financial ombudsman relating to mis-sold PPI. This was a clear victory for consumers who were fed up with the service they were getting from their banks and building societies, credit and loan finance companies like Beneficial Finance have had to pay back millions of pounds to people who have successfully claimed.

    How to make Beneficial Finance PPI claim?

    The first steps you must take is to check that any loan or credit agreement you took out through your broker or the place to purchase the item that you need credit for is attached to Beneficial Finance. On your repayments statements there will be details linking this company to your payment plan, if they attach PPI to your agreement then you will probably have a good case to claim money back against them.

    You can either telephone them directly or if you feel uncomfortable about complaining then you do not have to carry out a PPI claim DIY but instead opt to use a claims management company who will fight your case and try to win back your money owing to you through a Beneficial Finance mis-sold PPI.

    You need to ask yourself a few questions such as did they pressurise me into taking out a PPI policy? Or did Beneficial Finance add a payment protection policy without me knowing? . Some people do not even know they were paying extra top on their loan repayments for PPI and this is clearly just cause for a compensation claim.

    The FSA have strict timelines where companies like HFC bank must act on your behalf in dealing with your Beneficial Finance PPI claim. The problem is that they are probably inundated and backlogged with mis-sold PPI claim requests so you might have to wait many weeks or months for your money.

    Just like all the other banks and building societies, they advise you not to use a claims management company but there are instances where they simply do not work fast enough in helping people claim back their mis-sold PPI, this is where a CMC can be helpful.

    Related PPI Information:

    • Claim Extra Compensation from an Existing PPI Claim?
    • Barclays to Set Aside a Further £900m to Cover PPI Claims
    • Chances of Winning a PPI Claim Case New Data


    The free online thesaurus #sprint #insurance #claim

    the free online thesaurus

    For Thesaurus Enthusiasts

    Writing can be a daunting task when you cannot quite think of just the right word to convey your ideas without sounding redundant and boring. This website offers a thesaurus dictionary where your only task is to enter a word you find yourself unnecessarily overusing. Then you will be quickly provided with an array of possible synonyms (and also antonyms. dictionary definitions and other information as well) that can be used to enhance writing. Also, you have the ability to check your text for spelling and grammar mistakes.

    An online thesaurus dictionary is a practical tool in today’s technological world. Students, professional writers, teachers, and business workers are among the myriads of individuals that can benefit from an electronic path to thesaurus synonyms. Where communication arenas are growing exponentially through websites, blogs, emails, etc. people need their writing skills sharpened to remain competitive and to stand out from the crowd. An English thesaurus will be the driving force to elevate writing to the next level by infusing the word(s) that will attract attention, provoke thought, and encourage dialogue.


    Earthquake insurance: 8 things you need to know – CBS News #claim #my #weeks

    earthquake claims

    Earthquake insurance: 8 things you need to know

    The 5.6-point Oklahoma earthquake — the strongest in recorded history for that state — underscores the harsh reality that fires, storms and floods are not the only perils that can damage or destroy your home. And it doesn’t matter where you live. In fact, the Oklahoma quake was the third major quake to shake an area where earthquakes are rare. Virginia and Colorado also felt major quakes this summer. California, of course, is the nation’s highest-risk area and is considered long overdue for a major shaker.

    But while there’s little question that you should insure against the risk of fire, deciding whether or not to buy earthquake coverage is tougher. That’s because the coverage is costly and varies in many significant ways from other types of homeowner’s coverage.

    The most important thing to note: Quake coverage is not included in a standard homeowner’s policy.

    How does this coverage differ from traditional insurance? Here are 8 facts you need to know.

    Deductibles: The amount of money you have to shoulder without help from insurance is called a “deductible.” With a standard homeowner’s policy, you decide on the amount in dollars. In other words, you can choose a $500 deductible or a $2,500 deductible. A higher deductible will land you a lower annual premium payment. But, with traditional homeowners insurance, you can make sure you never set your deductible at an amount that would be unaffordable when you have a claim.

    With earthquake coverage, your deductible is based on a percentage of your overall policy limit. If the structure of your home is insured to $500,000, the quake insurance deductible will typically amount to 15% of that, or $75,000. In some cases, you can choose a lower deductible — say 10% of the structure limits — but this deductible will almost always be set as a percentage of the policy limit. In some states you can find deductibles as low as 2% of structure limits, but the deductibles are higher in the states where earthquake risk is highest, such as California, Washington and Oregon.

    Personal possessions: If your home is consumed by fire, you’d not only be reimbursed for the cost of replacing the structure, you would get insurance payments to reimburse you for the loss of all the contents of the house to a set threshold – usually 50% to 70% of the structure limits. So a homeowner with a $500,000 structure limit would typically get up to $350,000 in contents coverage on top of the losses sustained to the structure of the home. With earthquake coverage, contents are typically covered only to a set dollar amount, such as $5,000. To some degree, that’s logical — your sofas and beds are unlikely to be destroyed in a quake, as they are in a fire. However, if your big-screen television and computers are broken in a quake, the coverage is unlikely to reimburse you for the damage, unless you opt for increased contents coverage.

    Exclusions: Every policy excludes some items from coverage, or sets specific limits on how much the homeowner could be reimbursed for them. For instance, a typical homeowner’s policy will only cover jewelry and furs to $1,000; firearms to $2,000 and silverware to $2,500. If you have expensive furs or home office equipment, you would need a separate rider to get adequate coverage.

    With quake coverage, there are additional exclusions. For instance, the typical quake policy does not cover the loss of landscaping, pools, fences, and separate structures (including garages) — and is likely to exclude claims for broken chandeliers, crystal and china.

    Loss of use: A standard homeowner’s policy will pay to put you up in alternate lodgings if you’re forced to move because your home has been damaged in an insured disaster. Typically insurers limit this coverage to 20% of the dwelling limits or base it on a set amount of time, such as 12 to 24 months following the disaster. Loss-of-use limits in quake coverage are far more restrictive. Usually, the loss of use coverage is set at a dollar amount that can be as low as $1,500.

    Uncovered losses don’t count toward the deductible: All of the restrictions on quake coverage are likely to cause homeowners with quake losses to have far more in out-of-pocket expenses. But the fact that you have, say, $100,000 in uncovered losses to your pool, fences, patio and personal effects, for instance, generally does not help satisfy the deductible. Policies can vary, so be sure to read yours carefully. But between uncovered losses and deductibles, the out-of-pocket hit to homeowners can be devastating in a quake.

    Cost of coverage: Despite the substantial exclusions, earthquake coverage is expensive — particularly in the areas where you are most likely to need it. In areas like Virginia and the Midwest, where quakes are rare, you can get coverage for as little as 50 cents per $1,000 in coverage, or roughly $250 annually for $500,000 in coverage. But the cost soars on the West Coast where it can cost $15 per $1,000 in coverage, or roughly $7,500 for a $500,000 policy.

    Who suffers catastrophic claims: Total loss claims from fires are common, but they’re rare with earthquakes. California’s two biggest quakes — the 1989 Loma Prieta quake and the 1994 Northridge quake — give some clues. Roughly 45,000 claims were submitted after the Loma Pieta quake, and the average value (not adjusted for inflation) was between $9,000 and $18,000, says Pete Moraga of the Insurance Information Network in Los Angeles. (If you figure a 3% inflation rate, the $18,000 claim would be worth just over $36,000 today.) The Northridge quake generated 195,000 claims with an average value of $35,000 — about $60,500 in inflation-adjusted dollars, assuming a 3% average inflation rate.

    Homeowners are far more likely to lose unreinforced masonry, such as chimneys, brick walls and stone or brick fascia. Catastrophic claims, however, are more likely in certain areas — such as beach cities and areas where the underlying ground is sandy and likely to suffer from something called “liquefaction” — than in cities, where the ground is predominantly stone or clay. In addition, the older the home, the more likely it is to have “cripple walls” that are likely to collapse in a major quake; and an unbolted foundation, which increases the risk that the house could shift off the foundation and sustain massive damage as a result.

    Mitigating risks: The California earthquake authority gives homeowners discounts on their policies when they retrofit their older homes to better fit current earthquake standards — for instance, if you bolt the home to foundation; brace cripple walls with plywood and strap water heaters to the home’s structure. Regardless of whether you choose to buy a quake policy, these are smart moves that can help you reduce your losses in a major quake.

    In addition, it’s wise to add locks and latches to china cabinets and use museum putty to secure precious breakables.

    2011 CBS Interactive Inc. All Rights Reserved.


    HFC Beneficial HSBC Credit Center #quit #claim #deed #virginia

    beneficial claims

    HFC, Beneficial and HSBC Credit Center Web site consolidation

    To provide an enhanced customer experience HFC, Beneficial and HSBC Credit Center have joined forces to create a combined, multi-branded web site. Although you’ll notice a new look and feel, you’ll still be able to navigate through the Web site easily and find all your account information within easy reach. Of course, security remains our top priority, so you can be sure the account information you access remains both private and secure.

    You’ll still have all the conveniences our on-line servicing offers, like

    • having 24/7 access to your account information
    • making both same-day AND future payments
    • adding and/or changing valuable payment alerts options
    • accessing up to a full year’s worth of billing statements
    • reviewing up to three months worth of recent transactions
    • viewing and printing your most recent 1098 statements
      and much, much more

    In addition, for our customers who have accounts with HFC, Beneficial and HSBC Credit Center, the consolidation now allows you to view all of your accounts under a single user name! This new, “1-stop-shop” simplifies Internet servicing, eliminating the need to log into two separate sites to view all your account information.

    What we haven’t eliminated is the superior customer service you’ve come to expect from names you have trusted for more than 100 years.

    Visit our new HFC,Beneficial and HSBC Credit Center home page now.

    Enjoy your experience and, as always, thank you for visiting the HFC, Beneficial and HSBC Credit Center Web site.

    Help Center

    This information is not intended to provide professional advice and should not be relied upon in that regard. Persons accessing these pages are advised to obtain appropriate professional advice where necessary.

    Copyright HSBC Finance Corporation 2016. All Rights Reserved.


    Rethinking Your Stance on Earthquake Coverage – LA Times #quit #claim #deed #alaska

    earthquake claims

    Rethinking Your Stance on Earthquake Coverage

    Only 17% of California’s homeowners have earthquake insurance. Are the rest in denial–or making a rational choice?

    Some financial planners suggest the latter. They say that the majority of California homeowners are opting out after weighing the relatively remote chance of a temblor destroying their homes against the high cost of today’s earthquake coverage.

    But we don’t buy insurance coverage just to protect us from likely occurrences. We get insurance to guard against unlikely and financially devastating events.

    That’s why we buy life insurance: Most of us don’t expect our families to need it. Not having coverage, however, could mean a financial nightmare for our families if the unlikely should happen and a breadwinner dies prematurely.

    Of course, some people wouldn’t buy, say, auto liability coverage at all if it wasn’t required by law. Some would even forgo homeowners insurance if their mortgage lenders didn’t force them to buy it. Some people are more than willing to roll the dice–but they should be clear about the real stakes.

    In the case of quake insurance, people who decided long ago to do without it might want to revisit the issue–especially in light of changes in the last year that have made coverage more appealing.

    Earthquake insurance coverage changed radically after the 1994 Northridge temblor.

    Until then, companies that wrote homeowners insurance in the state were also required to offer earthquake coverage. After Northridge, most insurers refused to write either, saying the $12.5 billion in insurance claims from the quake was far higher than expected–higher, in fact, than the total of all earthquake insurance premiums ever collected in California.

    The state Legislature eventually responded by created the California Earthquake Authority, a state-run insurance pool.

    The first policies were bare bones. Instead of 5% or 10% deductibles, the CEA policies required homeowners to pay 15%. That meant that a homeowner insured for $300,000 had to pay the first $45,000 for repairs before coverage kicked in. The policies didn’t cover landscaping, pools or anything else outside the actual home.

    Inside the home, earthquake coverage was spartan, covering just $5,000 of contents. Everything else that toppled over, wrenched apart or fell out of cabinets had to be replaced by the homeowner.

    Oh, and you probably would have had to move in with relatives; unlike previous earthquake insurance policies, which covered rent and other living expenses for six months to a year while your home was being rebuilt, CEA’s coverage paid just $1,500–which just about covered a month at a Motel 6.

    To make matters worse, the coverage was often more expensive–sometimes much more expensive–than the more comprehensive private earthquake policies it replaced. CEA’s enabling legislation required the authority to base its rates on the latest scientific advancements in predicting earth movements, and the scientists discovered that some areas once presumed safe–portions of San Bernardino and Riverside, for example–were actually riskier than previously thought.

    But the state finally responded to homeowners’ howls by offering more quake insurance options through CEA, including lower deductibles and greater contents coverage, for somewhat higher premiums.

    Two private companies, Pacific Select and GeoVera (now both owned by St. Paul Cos.), also began to offer more comprehensive earthquake policies.

    CEA now says demand for its enhanced policies is greater than anticipated: Nearly 34,000 homeowners have purchased the additional coverage in the first year it was been available, compared with 917,000 who have the bare-bones CEA policies.

    That still leaves nearly five out of six homeowners with no quake coverage, however.

    Some people are wealthy enough to be able to walk away from the financial investment of a home, of course, and others have so little equity at stake that protecting it from earthquake damage may not make much sense.

    But if your reasons for not having earthquake insurance include any of the following, you may wish to rethink your stance:

    * My home survived the [fill in the blank] earthquake just fine. For anyone who knows anything about quakes, this is perhaps the silliest of all rationalizations.

    Each earthquake is as individual as a fingerprint, with motion traveling through the ground in unique ways. In addition, new fault lines are being discovered all the time. The earthquake created by the fault under Northridge may not have touched your bungalow, but a shifting fault elsewhere in the Los Angeles area could leave it in splinters.

    * My home is bolted to its foundation ‘ This is a better argument than most; some respected earthquake researchers are themselves spending money on earthquake retrofitting rather than paying for insurance coverage.

    But even they will admit that no amount of retrofitting can protect against a truly devastating shaker. Bolting seems to work best for one-story wood-frame homes; homes that are two or more stories or have big picture windows or other large gaps in the frames, are likely to suffer more damage even if bolted.

    Of course, all the bolting in the world won’t help much if the ground beneath the foundation gives way. In Anchorage, Alaska, a whole neighborhood of homes slipped out to sea when the massive 1964 earthquake liquefied the ground on which they sat.

    * I’ll get FEMA money to rebuild. Affected homeowners may qualify for low-interest loans offered by the Federal Emergency Management Agency through the Small Business Administration. But these loans are not free money; homeowners are obligated to pay them back, and they are entered in your personal net worth statement as a liability, offsetting an equal amount of assets.

    Some observers question how much money will available after the next major earthquake; numerous disasters have soured many in Congress on the idea of handing cash to people who refuse to get insurance.

    * I’ll just hand over the keys to the bank. Homeowners who let their banks foreclose on earthquake-devastated homes not only lose all their equity, but also put their credit rating at risk. Depending on lenders’ reactions, it may be difficult or impossible to borrow money for another home for several years.

    For many of us, our homes represent our largest financial asset. We should think carefully before considering walking away as an option.

    Of course, even people who do have insurance will probably suffer some loss of equity in a quake-hit area, at least temporarily. Just ask anyone who tried to sell a home in Northridge in the mid-1990s. A few intrepid souls snapped up these distressed properties, reasoning that the chances of another quake hitting the same area were especially remote, but many potential buyers stayed away.

    Facing a temporary loss of equity is one thing; it’s quite another to suffer such a huge loss from uninsured quake damage that you’re saddled with a 10- to 30-year rebuilding loan, or that you lose your equity entirely by foreclosure.

    Californians have a well-deserved reputation for being in denial. We build our homes on flood plains, on brushy mountainsides, in the path of mudslides and on or near earthquake faults. Most of the time, most of us avoid catastrophe. But we should acknowledge that someday our luck could run out–and consider whether it’s worth taking precautions to protect against the unthinkable.


    Claim injuries #rta #claims #process

    claim injuries

    100% No Win No Fee Claim

    What is an Accident Compensation Claim?

    If you’ve been the victim of an accident which has resulted in injury or ill health then you don’t need anyone to tell you how traumatic that is. You don’t just have to lie back and take it however. If the accident in question was somebody else’s fault, then you may be able to claim personal injury compensation. Here at, we provide detailed, clear, simple information and articles on how to make a no win no fee injury claim.

    It’s simple – if you’ve been injured, and someone else was to blame, then you could be entitled to compensation.

    Accidents can and do happen anywhere and at any time. Amongst the most common accidents we come across at are the following:

    If you’ve suffered an injury through any one of the above, or any other kind of accident, then you may be able to claim compensation. No amount of money can truly make up for the shock and trauma of being injured or hurt, of course, but being the victim of an accident can bring unforeseen costs. Perhaps you have to take time off work, or change your job entirely due to the long term after effects of your injury. Maybe you need to pay for medical treatment, or medication. An accident claim will seek compensation for wages lost and money paid out, as well as a sum determined by the type and severity of your injury which can be used to help you and your loved ones start to put your life back together.

    If you have suffered a personal injury, feel it was caused by somebody else’s negligence, and are unsure what to do next, can help.

    We provide information on various types of accidents and injuries and can help you make an accident claim. After reading through the articles on this site using the menu to the left, if you wish to pursue a claim, please use the form at the top of the page to contact our professional injury solicitors who will give you free advice on your claim.

    There’s no obligation when you contact us, and our advisers are friendly, well trained and totally honest. If you have the basis for a claim, they’ll tell you, and they’ll get that claim started.


    Canterbury earthquake #small #claims #court #procedure

    earthquake claims

    Earthquake infomation

    Recovering from the earthquakes

    As we continue on track with our programme of rebuilding homes, businesses and communities in Canterbury, we’re also here to support our customers who’ve been affected by the recent earthquakes elsewhere in the country. Whether you’re in Seddon, Wellington, Christchurch or anywhere else in New Zealand, we’re here to help all our customers who’ve claimed as a result of an earthquake.

    Every claim is different, which is why for our customers in Canterbury, we’ve developed two flowcharts that illustrate the ‘typical’ repair and rebuild procedure. These are designed to help you understand the claims process, what stage you’re at and what happens next. For our customers in other parts of New Zealand, the process may differ according to how much you’ve been affected so please give us a call to talk about what’s likely to happen next. See below for more information.

    Helping you move on from the earthquakes is a top priority for my claims teams. It’s our job to work with experts in the field such as Loss Adjusters and Rebuild Solution Managers in a way that ensures we stay on target to deliver our commitment to complete our residential rebuild and repair programme in Christchurch by 2015.

    Brendan McGillicuddy
    General Manager – Claims

    Background to the earthquakes

    The first, and largest magnitude, earthquake occurred on 4 September 2010. Its magnitude – 7.1 on the Richter Scale – put it in the class of a major earthquake likely to cause serious damage. And it did.

    The earthquake was centred 30km west of Christchurch at a depth of 10km. When it hit it buckled land, caused extensive liquefaction, toppled chimneys and did serious damage to homes and infrastructure. Thankfully, there was no loss of life, mainly because of the time it hit – 4.35am on a Saturday morning.

    Many large aftershocks followed, including a 4.9 on Boxing Day 2010.

    Then, just as Cantabrians were adjusting to the ‘new normal’, a magnitude 6.3 earthquake hit – just before 1pm on Tuesday, 22 February 2011.

    Although smaller in magnitude, the earthquake was centred close to the CBD, causing extensive damage. Sadly this event caused the loss of 185 lives, making it New Zealand’s second deadliest natural disaster.

    It was also easily New Zealand’s most expensive natural disaster. In fact, with an estimated total cost to insurers in excess of $13 billion from this shake alone, it’s one of the most expensive insured events in the world.

    In addition to these major events, there have been more than 12,000 aftershocks, including more than 50 in excess of magnitude 5 – the most recent of these in May 2012. A further 520 were of a magnitude greater than 4 on the Richter Scale

    Contacts for State insurance earthquake media enquiries

    Craig Dowling 021 615 663

    Denise Bailey 029 969 3549

    Earthquake pages


    Medical Dictionary #car #accident #compensation #claim

    thesaurus free online dictionary

    Medical Dictionary

    The main sources of TheFreeDictionary’s Medical dictionary are The American Heritage Stedman’s Medical Dictionary, Second Edition and Dorland’s Medical Dictionary for Health Care Consumers. which provide authoritative descriptions of medical conditions, medications, anatomical terms, noted medical personalities and much more.

    The American Heritage Stedman’s Medical Dictionary is ideal for both medical professionals and anyone who wants to keep up with the burgeoning array of terminology found in today’s medical news. By avoiding jargon, the dictionary offers concise and easily accessible information for users searching for descriptions of over-the-counter or prescription medications, medical abbreviations, test procedures, medical research topics, or illnesses. Over 45,000 entries from all areas of medicine and healthcare are included.

    Dorland’s Medical Dictionary for Health Care Consumers is based on the content of Dorland’s Illustrated Medical Dictionary. which has been the premier dictionary for health care professionals for over 100 years. Created especially with the health care consumer in mind, Dorland’s contains approximately 40,000 entries and more than 350 illustrations and provides authoritative, concise definitions for a wide range of terms used in the health sciences, including those related to anatomy, physiology, diseases, drugs, tests and procedures, and much, much more.

    The Medical dictionary also draws from The Gale Encyclopedia of Medicine,Second Edition. which provides information on nearly 1,700 common medical disorders, tests, and treatments, and bridges the gap between basic consumer resources and highly technical professional materials.

    Additional source materials include Mosby’s Dental Dictionary, Second Edition. a compilation of 2,100 dentistry-related definitions; Mosby’s Dictionary of Complementary and Alternative Medicine. which catalogs terms used in non-conventional medical and healing practices; and Saunders Comprehensive Veterinary Dictionary, Third Edition. which includes information on large and small animals and features more than 65,000 entries and over 1,000 new terms.

    Please note that this information is not intended to be used in place of a visit, consultation, or advice of a medical professional.

    Live Searches

    Here’s what people are searching for right now in Medical Dictionary:

    The most popular medical definitions:


    A steroid hormone and the most potent naturally occurring androgen that is formed by the interstitial cells of the testes, and possibly by the ovary and adrenal cortex, may be produced in nonglandular tissues from precursors such as androstenedione, and is used in the treatment of hypogonadism, cryptorchism, carcinomas, and menorrhagia.


    A form of arthritis, occurring mainly in older persons, that is characterized by chronic degeneration of the cartilage of the joints. Also called degenerative joint disease. hypertrophic arthritis. osteoarthrosis .

    Other popular articles in the medical dictionary:


    Earthquake Updates #weekly #jobless #claims

    earthquake claims

    Earthquake updates

    An update from our claims team

    Here at State, we help our customers and communities recover from setbacks. Over the last few years, a big part of that has been helping people with claims related to the Canterbury earthquakes.

    It’s a massive job, but we’re proud to be a part of it because every day, we help more mums, dads and kids in Christchurch back into their repaired or new homes. It’s tough going for everyone, but we’re on track to complete all Canterbury earthquake claims by the end of 2015.

    At the same time, we continue to look after our customers throughout New Zealand who are impacted by earthquakes, floods, storms and tornadoes as well as other day to day accidents that occur.

    There are plenty of great stories of how we’ve helped people back on their feet after a claim. You can read more about those here .

    If you need to make a claim, simply call 0800 80 24 24 to speak to one of our experienced claims consultants.

    Brendan McGillicuddy
    General Manager – Claims

    Government releases latest Christchurch land information

    The Government has released land information that categorises all greater Christchurch residential land based on its suitability for continued residential use following the earthquakes and aftershocks that began on 4 September 2010.

    Land has been mapped into four zones – red, orange, green and white. Homeowners can check the zoning of their property via a website or by contacting the government helpline on 0800 779 997. Further information is also available on the Canterbury Earthquake Recovery Authority (CERA)’s website .

    Red land

    Red land is not suitable for continued residential use. Homeowners in a red land zone will be offered options to have their properties purchased by the government so that they can relocate (more information below).

    Orange land

    Orange land is where engineers need to undertake further investigation. Some of the damage in these areas is a direct result of the magnitude 5.6 and 6.3 earthquakes which struck on 13 June, and has not yet been adequately assessed to provide residents with certainty.

    Property owners in the orange land zone will be written to shortly by the government, outlining the expected timeframe for further assessment of their neighbourhoods. We don’t have any further details on timeframes at this stage.

    Green land

    Green land has been assessed as suitable to allow the repair and rebuilding of homes to go ahead. We’ve recommenced rebuilds and repairs in parts of Canterbury where there is no land damage and/or minimal risk of aftershock damage.

    We are prioritising claims by location i.e. green zone first, focusing first on those with uninhabitable homes. You can expect further information from us in the near future.

    White land

    White land includes the Port Hills and CBD. It is either still being mapped or not residential land.

    No decisions have been made by the Government on commercial or uninsured property.

    What happens next for red land?

    The government is offering two options to insured property owners in red land zones so you can choose how you want to go forward:

    • The government makes you an offer to purchase your entire property (land and dwelling) at the current rating value, adjusted for any major improvements made since the rating value was set (for example, an extension). In return, we will pay the benefits of your insurance policy to the government; or
    • The government makes an offer to purchase the land only and you can continue to deal with us in relation to your home insurance claim.

    Christchurch homeowners can check their current rating valuation through and Waimakariri homeowners through .

    We are working with the government to agree how these two options will work for our policies and customers.

    In the meantime, we will conduct a final assessment of all our customers’ red land zone residential properties to help them decide on the best option. This is already underway and we expect to finish this in the next 6-8 weeks. We will provide further information in the coming weeks.

    Residential property owners in the residential red land zone will receive a phone call and information in the mail from the Ministry of Social Development over the coming days.

    The government aims to make an offer of purchase to homeowners in the red land zone within the next eight weeks, and homeowners will then have nine months to consider the offer.

    Remaining insured

    It is important you remain insured until the day of final settlement. This will protect your interests and secure your settlement options. We are committed to providing insurance to our customers in the red land zone until the time they leave.

    Temporary accommodation

    Customers in the red zone keep their entitlement to any unused portion of their temporary accommodation allowance if they need to leave their property before any settlement.

    The government also has temporary accommodation assistance available through the Ministry of Social Development. Go to or call 0800 673 227 to find out more about this.

    Further information

    You have questions or concerns about the zoning of your property, please go to or call the government helpline on 0800 779 997 .

    We are continuing to work in conjunction with government, local authorities and relevant experts on your behalf, and are committed to progressing matters as quickly as possible.

    Please contact you claims case manager if you have further questions.

    Earthquake Claims

    We’ve compiled a comprehensive information pack to help you work out what is covered by State and what is covered by the Earthquake Commission, and guide you through the claim process for contents and damage around your section, like fences, driveways and pools.

    Earthquake pages

    Important contacts

    Call State: 0800 80 24 24


    OneLook Reverse Dictionary and Thesaurus #cincinnati #insurance #company #claims

    word dictionary thesaurus

    Note: The new Reverse Dictionary requires JavaScript.
    If you have disabled JavaScript in your browser, please re-enable it for this site or use the old version of the reverse dictionary here.

    How do I use OneLook’s thesaurus / reverse dictionary feature?

    This tool lets you describe a concept and get back a list of words and phrases related to that concept. Your description can be anything at all: a single word, a few words, or even a whole sentence. Type in your description and hit Enter (or select a word that shows up in the autocomplete preview) to see the related words.

    Why would I want to do this?

    Here are some examples of how you might use this tool:

    Solve crossword puzzle clues, or find words if you only know some of the letters
    (Use pattern : clue syntax)

    Has this changed recently?

    Yes! Here’s a description of what’s changed for version 2.0. If you’re really fond of the old system, of if you have JavaScript disabled in your browser, you can still access version 1.0 here or click on the link that says “Try your query on the old system” that appears at the very bottom of the results page.

    How does it work?

    The reverse dictionary uses the Datamuse API. which in turn uses several lingustic resources described in the “Data sources” section on that page.

    Yikes. Why are so many of my search results complete nonsense?

    For some types of searches only the first result or the first few results are likely to be useful. We urge you to click on a word to check its definition before using it in your Oscars acceptance speech or honors thesis.

    If you get back nothing but junk, try restating your query so that it’s just two or three simple words. Some queries are very difficult for our system. That’s because not every dictionary indexed by OneLook is used by the reverse dictionary, and our search algorithm still needs a lot of work. We’re continually adding more references and improving the precision of the system.

    Can I use this service from anywhere on OneLook?

    Sure! Just type a colon (: ) into any OneLook search box, followed by your concept. If you put a wildcard pattern before the colon, your results will be filtered by that pattern. (This is particularly useful for crossword puzzle help, as shown in the examples above.)

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    Accident Injury Claims Advice #quit #claim #deed #virginia

    injury claims advice

    How do you claim for personal injury in Ireland? We have assembled this guide to “No Win, No Fee” injury compensation in a question and answer format in accordance with some of the most commonly received questions by solicitors. If you have any queries about “No Win, No Fee” injury claim which are not included on this page, or would like answers expanded or explained in greater detail, you should consult with a personal injury compensation solicitor offering “No Win, No Fee” injury legal representation. This article focusses on no win no fee. You also need to understand how the Injuries Board functions, please refer to .

    What Does “No Win, No Fee” Claim for Personal Injury involve?

    When considering the question “What is “No Win, No Fee” compensation?” and what it involves you must take into consideration that the arrangements are contingent agreements made between a solicitor and a claimant which assert that a claimant is not responsible for the legal costs of their solicitor should the “No Win, No Fee” solicitor fail to conclude the injury claim successfully. What the headline “No Win, No Fee” fails to say is that a claimant could still be liable for any costs that the solicitor has incurred on the claimant´s account and the legal fees of the defendant against whom the claim was initiated.

    Depending on the attributes of the “No Win, No Fee” injury claim, the disbursements, medical report costs and court expenses could add up to a significant amount. Add the defendant´s legal costs into the equation, and the total value owed for bringing an unsuccessful personal injury claim could potentially amount to tens of thousands of pounds.

    Is There Protection Against “No Win, No Fee” Injury Claim Liabilities?

    Not all “No Win, No Fee” solicitors expect reimbursement for disbursements when a claimant is pursuing a “No Win, No Fee” personal injury claim, and inasmuch as it is recommendable to ask a solicitor their terms and conditions in associated with “No Win, No Fee” claims before utilising their services, most will propose “After the Event” insurance to protect the claimant against feasible future liabilities.

    No matter how sufficient a “No Win, No Fee” claim for personal injury is, there is always the chance that if a claim goes to court a judge will favour the defendant’s argument. These “After the Event” insurance policies insure against an unexpected outcome and protect the claimant against financial responsibility. Frequently the premium payable on “After the Event” insurance is delayed until the conclusion of the claim is established, and the insurance settlement can even incorporate the price of the premium itself in specific circumstances.

    Recap: How Much Does “No Win, No Fee” Representation Claim for Personal Injury Cost?

    The costs accumulated in a “No Win, No Fee” claim are going to rely on the aftermath of the claim and the solicitor´s conditions for handling the case. Should the claim be unsuccessful, a claimant will not be liable for their solicitor´s legal costs, but could be responsible for disbursements, expenses, the defendant´s legal fees and/or the cost of insuring against such an outcome.

    Should the claim be a success, the solicitor´s legal fees, disbursements, costs and the premium for the insurance policy are all compensated by the defendant, along with a success fee to the claimant´s solicitor unless the cumulative value of all the fees and costs are declared excessive by a judge – in which case the claimant becomes responsible for any shortfall. Generally, a claimant will obtain 100 percent of the compensation awarded to them covered by the terms of a “No Win, No Fee” claim (1).

    (1) Recipients of certain State benefits will have an amount deducted from the final compensation settlement to cover the benefits they have obtained since an injury was suffered. The defendant or their insurers subtract this amount from the decided compensation settlement and delivers it to the Compensation Recovery Unit of the Department for Work and Pensions.

    What should I know about a “No Win, No Fee” Injury Success Fee?

    Success fees are charged by “No Win, No Fee” compensation solicitors when they are successful in a “No Win, No Fee” claim. As the solicitor shoulders the risk of preparing and presenting a claim without reward, a success fee is charged (to the defendant) when a favourable outcome has been achieved (2).

    This success fee is generally a proportion of the solicitor´s charge for legal services. In England, Wales and Northern Ireland the percentage can be as substantial as 100 percent of the solicitor´s legal fees but is more frequently between 20 and 25 percent. In Scotland it is illegal to charge a success fee, but under the Law Reform (Miscellaneous Provisions) (Scotland) Act 1990, the value of the solicitor´s legal costs can be raised by a pre-agreed percentage.

    (2) Proposed alterations which establish how solicitors are rewarded for a successful outcome to a personal injury claim are incorporated in the Legal Aid, Sentencing and Punishment of Offenders Act at present being debated in Parliament. This page will be updated to illustrate those changes in “No Win, No Fee” injury claim arrangements once the Act becomes law.

    How Does One Qualify for Representation on a “No Win, No Fee” Basis?

    In order for a solicitor to agree to represent you on a “No Win, No Fee” claim for compensation, there has to be a fairly certain possibility of success. Each personal injury claim is evaluated on its merits and, if it is conceived to have a better than 75 percent likelihood of success, “No Win, No Fee” legal representation will be proposed to the client. No claim has a 100 percent probability of success and the acceptance of a claim under a “No Win, No Fee” agreement does not ensure that the claim will be successful.

    Issues which will be assessed when considering a “No Win, No Fee” compensation arrangement include the extent and seriousness of the injury, whether a third party was completely responsible for causing the injury, whether more than one third party was liable for causing the injury and the amount of compensation that is likely to be awarded or negotiated when the claim is successfully concluded.

    How Else Can I Fund a Personal Injury Claim?

    Claims for compensation which have a substantially lower likelihood of success will not be accepted by solicitors on a “No Win, No Fee” claim for personal injury compensation agreement. However, this does not mean that there is no achievability at all of success and a solicitor will support the claimant in funding their personal injury claim from alternative sources.

    Legal Aid is still accessible for certain types of personal injury claims – most significantly claims for clinical negligence, those against social services for unsuccessfully caring for an elderly relative and some claims for defective goods compensation. As mentioned previously, seeking a claim for compensation via the Legal Aid scheme may convey that a claimant has to pay back a percentage or all of the legal fees from their compensation settlement.

    “Before the Event” legal expenses insurance is generally attached to car insurance and home contents insurance policies and, subject to the nature of the policy, may cover a significant amount of legal fees and costs. The issues with “Before the Event” insurance are that a claimant may only have a specific time limit in which to pursue a legal expenses claim (usually six months) and the insurance company may demand the acceptance of the first “reasonable” offer of compensation.

    Using the claimant´s personal finances to fund a personal injury claim may be perceived as a little impractical if a solicitor has already refused the possibility of “No Win, No Fee” injury representation, but it has occurred. It is vital to note that if a solicitor considers a claim to have little probability of success, an insurance company offering “After the Event” insurance may also reject the claimant – thus exposing the claimant to the risk of being responsible for the defendant´s legal fees as well as their own.

    What is the Difference between CFAs and “No Win, No Fee” Compensation Claims?

    Conditional Fee Agreements (CFAs) and “No Win, No Fee” claims for compensation are identical. CFAs were established in the Courts and Legal Services Act 1990 as a precursor to the eradication of Legal Aid for most types of personal injury claims to permit those who could not afford the expense of engaging a solicitor the means to finance legal proceedings in personal injury compensation claims.

    “No Win, No Fee” injury compensation only became a favourable substitute term once television advertising and media marketing was utilised by claims management companies. Much of the advertising by these claims management companies was deceptive and gave the impression that a claimant only had to pick up the phone to obtain a cheque in the post.

    Although Conditional Fee Agreements is not such a “roll-off-the-tongue” term, it more precisely reflects a “No Win, No Fee” claim for personal injury arrangement.

    Where Can I Get Further Information on “No Win, No Fee” Injury Compensation Claims?

    The majority of personal injury solicitors offer representation for “No Win, No Fee” injury claims and will be able to share helpful and practical advice on pursuing a personal injury claim under a “No Win, No Fee” agreement. Indeed, as no two claims for personal injury compensation are exact, it is advisable for a claimant to discuss the circumstances of their injury with a personal injury solicitor at the earliest possible moment to confirm their entitlement to “No Win, No Fee” legal representation.


    Key Steps in Settling Personal Injury Claims #online #claims

    settling personal injury claims

    Key Steps in Settling Personal Injury Claims

    How does a personal injury claim start? It s always with the injury, and though that part is far from easy, in order to get a settlement you need to know the key steps involved.

    You should begin the process by hiring an experienced personal injury lawyer, or at least consulting with one to see if you have a case. This lawyer will collect evidence related to the clam, including past and future medical bills and needs, lost wages and any property damage, pain and suffering issues, and much more. Your lawyer will play a key part in settling your case. If you re unsure of how to hire one, consider querying several, asking for rate and experience information, and look for a reasonable fit.

    Once you choose a lawyer, he or she can begin helping you in the case. Actually, he or she likely won t help much in court, because the majority of claims related to accidents or injuries are settled out of court.

    Settling a Case
    The key steps to settling a case once again begin with your personal injury lawyer. Your lawyer should go over your case in detail. He or she will then decide the monetary value of the case; it s the value of your injury and its effects on your life.

    The other issues involved in deciding to settle a case include: verdicts and settlements in similar personal injury cases, the chances of you winning at trial, the amount of information available which could help or hinder your case, any weaknesses in in your opponents evidence, the amount of money this defendant has to finance the case, and how much the insurer of the defendant can afford.

    There is more to it, but that s generally how case are created, fought, and won or lost.

    If You Settle
    What does it mean to settle? You take money instead of going to court. Few legitimate personal injury cases go to court. This is because of the high cost of lawyers and other factors. Settlements are very common, and you should consider one if offered. However, you will have no more right to further claims based on this injury. That makes it important to have complete doctor evaluations, to have waited some time (preferably a year) to make sure no other conditions result, and for your lawyer to have investigated similar cases.

    Settlements are common, but trust your lawyer if he or she says the number is too low.

    How Long It Takes
    You should always involve a doctor with your case. Of course, you will get checkups, but you should always wait until you and your doctor are fairly clear that you have no further injuries. After proving medically your claim is valid, the process typically takes several months. If it goes to court, it might be longer. Few will go to court, but you should plan for it just in case.


    Whiplash claims average payout 2010 #small #claims #court #orange #county #ca

    whiplash claims average payout 2010

    Whiplash claims average payout 2010

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    Whether you’re searching for “whiplash claims average payout 2010” in a search engine or are looking for more updated results, the answer is likely to be the same: it’s hard to draw an average amount based on the money awarded to whiplash victims.

    Every individual case is different. and money is awarded to victims in accordance with the specific circumstances surrounding their accident. Over 1,500 whiplash claims are processed a day in the UK. and as such, each has a very different amount awarded. If you’ve been injured in an accident through no fault of your own and have sustained whiplash, you could be wondering about the amount you’re entitle to in compensation.

    This amount will be dependant on things such as whether or not you’ve had to take unpaid time of work, how much you’ve had to pay for medical treatment, if you’ve incurred any costs as a result of attending these treatment sessions (such as childcare or travel), the severity of your whiplash and more. If you want to get a rough idea of what you could be owed. get in touch with Accident Advice Helpline.

    We are one of the leading personal injury law firms in the country, and have specialised in this field for over fourteen years. You can either get a quick quote to see how much we can help you receive by using our online calculator, or phone our offices to have a confidential discussion with an experienced claims expert. As long as your accident has taken place within the past three years, and you can prove you were not at fault, you could definitely be within your legal rights to make a claim – and we can help.

    Get the facts about compensation from the experts

    If you’re looking for “whiplash claims average payout 2010” online, why not discuss the facts about whiplash compensation with an expert over the phone instead? At Accident Advice Helpline, we have a team of claims advisers manning our helpline that will gladly provide you with statistics and information about the claims industry, and even provide you with a quote for your specific whiplash case.

    There’s no need to come into any legal offices or part with any money, as we work on a No Win, No Fee* basis. This conditional fee agreement means you don’t have to part with a penny upfront, making it quick and affordable to get a claim underway. All it takes is one quick call to our helpline, and you can be making a compensation claim for your whiplash injury with one of 190 Accident Advice Helpline solicitors.

    Whether you want to look back on the whiplash claims average payout 2010 or look towards the future and receiving your compensation payout, get the advice you need from the claims experts. Call 0800 689 0500, and speak to a team member at Accident Advice Helpline today.

    More articles related to Whiplash

    Please note: Values are guidelines only. Your injuries and recovery are as individual as you are. The awards are guideline amounts only and any settlement will be based upon the evidence of medical practitioners.

    N.B. All cases are judged individually based on the circumstances.

    Thank you for your enquiry, an advisor from Accident Advice Helpline will contact you shortly

    96 % Based on 1709 reviews

    “If you call Accident Advice Helpline, I promise you will receive free advice, that no money is required to make a claim No-Win No-Fee* means exactly that.”

    Accident Advice Helpline is a trading style of Slater Gordon Solutions Legal Limited. Slater Gordon Solutions Legal Limited is a company registered in England & Wales with registration number 07931918, VAT 142 8192 16, registered office Dempster Building, Atlantic Way, Brunswick Business Park, Liverpool, L3 4UU and is an approved Alternative Business Structure authorised and regulated by the Solicitors Regulation Authority. Authorised and regulated by the Financial Conduct Authority. Slater Gordon Solutions Legal is part of the Slater and Gordon Group which also includes our other Slater Gordon Solutions entities together providing legal, claims management, health, motor solutions and our other group owned law firm trading as Slater & Gordon Lawyers. †03330 numbers are charged at the same rate as 01 & 02. ‡Texts will be charged at your standard network rate. No-Win No-Fee: *Subject to insurance costs. Fee payable if case not pursued at client’s request.

    Copyright 2016 Accident Advice Helpline. All Rights Reserved


    Cholamandalam MS Claim Process #vibration #white #finger #claims

    cholamandalam motor claim form

    Cholamandalam MS Claim Process Chola MS Claim Form, Claim Status

    Cholamandalam MS Claim Process

    Cholamandalam MS Claim Process for all the General Insurance Policies provided by Chola MS General Insurance is explained clearly on our site. The Chola MS Claim Process is Different for all the Policies provided by Cholamandalam Insurance. The Chola MS Claim Form required for the Policies are available at Cholamandalam MS General Insurance Company Limited. The General Insurance Policies of Chola Insurance are Cholamandalam Health Insurance, Cholamandalam Car Insurance, Cholamandalam Travel Insurance, Cholamandalam Home Insurance. The Chola MS General Insurance Claim Form is different for all the General Insurance Policies which can be downloaded from our website. The Cholamandalam MS Claim Process for Car Insurance, Health Insurance, Travel Insurance, Home Insurance is explained below.

    About Cholamandalam Insurance Company

    Chola MS was also known as Cholamandalam MS. The Cholamandalam MS General Insurance Co Ltd is an Indian General assurance firm. Chola MS General Insurance Company Limited headquarters located in Chennai, India. Chola MS is a joint venture between the Murugappa Group and the Mitsui Sumitomo Insurance Group (MSIG). Chola MS has 93 branches and over 6,000 agents across the country. It recently achieved three awards across the Asia as the best insurance company. The awards are “Health Insurer Claims Team” for the year of 2013, “Innovation Leader Award 2012” by Fintelekt and “In the time Claims Settlement for the year 2011-12” in the Rashtriya Swasthaya Bima Yojana (RSBY) scheme run by the Ministry of Labour Employment, Government of India. The Chola MS also awarded with the “Financial Insights Innovation Award” for the innovation in mobile enablement.

    What is Chola MS Claim Process?

    The Cholamandalam MS Claim Process is different for the General Insurance Policies of Cholamandalam Insurance. The Chola MS Claim Process for all the Policies provided by Cholamandalam MS General Insurance is available below.

    Cholamandalam Health Insurance Claim Process

    The Cholamandalam Health Insurance Claim Process is divided as below.

    1. Cashless Claim Process.
    2. Reimbursement Claim Process.

    Cashless Cholamandalam MS Claim Process for Health Insurance

    1. The Insured have to Intimate about Claim to Chola MS by contacting Cholamandalam Helpline: 1800-425-2200 when admitted in the Network Hospital for Treatment.
    2. The Policy Holder have to approach the TPA desk of the hospital with the Chola MS Health Card.
    3. The Chola MS will receive the request for authorization of treatment through Fax 044-39910510 by the Hospital.
    4. On Acceptance of Claim by Chola MS, the Bills are directly settled with the Hospital by the Insurer when the Insured is discharged from the Hospital.

    6 Steps for Cholamandalam Health Insurance Reimbursement Claim Process

    1. The Policy Holder has to intimate the Insurer about the admission in Non-Network Hospital after the immediate admission through customer helpline number 1800-425-2200.
    2. The Insured have to pay all the bills regarding the treatment.
    3. Register the Claim with the Insurer for processing and reimbursement of Chola MS Claim.
    4. Download the Chola MS Claim Form from the Official Website.
    5. Submit Signed Claim Form and all Documents relating to treatment to the Cholamandalam Insurance.
    6. The Chola MS will Process the Claim as per Terms and Conditions of the Policy and Reimburse the Claim if the Chola MS Claim is accepted.

    Follow the above Steps for Cholamandalam MS Claim Process for Health Insurance.

    Claim Process for Cholamandalam Car Insurance

    The Claim Process for Cholamandalam Car Insurance is available below.

    1. The Insured have to Intimate about Claim by calling the Toll-Free No of Chola MS 1800 200 5544.
    2. The Policy Holder have to give the details of Policy Number, Contact Number, Date Time of Loss to the Insurer.
    3. The Customer Care will register the Claim and provides you with the Claim Registration Number for future reference.
    4. The Insurer will appoint the Surveyor to inspect the Vehicle, and the Insured have to Submit the Claim Form and Documents to the Surveyor.
    5. On Acceptance of the Claim by the Insurer, the Settlement of Claim will be Processed.

    Follow the above Steps for Cholamandalam MS Claim Process for Car Insurance.

    Chola MS Claim Form for all the General Insurance Policies

    During the Cholamandalam MS Claim Process, the Insured have to fill the Claim Form which is available below. The Policy Holder have to Download the Claim Form which is available in the Official Website. The Claim Forms for all the General Insurance Policies provided by Chola Insurance are available below.


    Resident All-Lines Adjuster #earthquake #claims

    claims adjuster


    Common Use(s) of License:

    An “independent adjuster” means a person licensed as an all-lines adjuster who is self-appointed or appointed and employed by an independent adjusting firm or other independent adjuster, and who undertakes on behalf of an insurer to ascertain and determine the amount of any claim, loss, or damage payable under an insurance contract or undertakes to effect settlement of such claim, loss, or damage.

    A “company employee adjuster” means a person licensed as an all-lines adjuster who is appointed and employed on an insurer’s staff of adjusters or a wholly owned subsidiary of the insurer, and who undertakes on behalf of such insurer or other insurers under common control or ownership to ascertain and determine the amount of any claim, loss, or damage payable under a contract of insurance, or undertakes to effect settlement of such claim, loss, or damage.

    Related Florida Statutes:


    Step 1 – You must be:

    • A natural person at least 18 years of age.
    • A resident of the state of Florida.
    • A United States citizen or legal alien who possesses a work authorization from the United States Immigration and Naturalization Services. [Click here for more information ]

    Step 2 – Must have the following prerequisite(s) before applying:

    • Currently licensed as an all lines public adjuster. [Exempt from State Examination]
    • Awarded one of the following Department approved designations:

      • Associate in Claims (AIC) from the Insurance Institute of America
      • Accredited Claims Adjuster (ACA) from an Accredited Postsecondary Institution in this State
      • Certified Adjuster (CA) from the All Lines Training provider
      • Certified Claims Adjuster (CCA) from the AE21 Incorporated provider
      • Chartered Property Casualty Underwriter (CPCU) from the American Institute for Chartered Property Casualty Underwriters
      • Professional Claims Adjuster (PCA) from the Professional Career Institute
      • Professional Property Insurance Adjuster (PPIA) from the HurriClaim Training Academy

      [More Designation Information] [Exempt from State Examination]
    • Earned an insurance degree which includes at least 18 semester hours of college credit in property, casualty, health, and commercial insurance from an accredited college or university. [an official transcript required]. [Exempt from State Examination]
    • Currently licensed as a General Lines (Property and Casualty) agent. [Exempt from State Examination]
    • Obtain a Letter of Clearance indicating you held an all-lines adjuster license (company or independent) for at least one (1) year immediately preceding applying for a Florida license and apply for a resident all-lines adjuster license within 90 days of becoming a Florida resident. [Transfer of License] [Exempt from State Examination]
    • If you do not hold one of the prerequisites above, you will be required to take the state examination and may skip “Step 4” below. [Requires State Examination]

    Step 3 – Apply:

    Step 4 – Send prerequisite(s) to department:

    • Send proof of prerequisite, as indicated in Step 2. to the Bureau.

    Step 5 – Fingerprints:

    Step 6 – Status notification(s):

    • Once an application has been submitted, you may check your MyProfile account for the status of your application. Deficiencies will be listed under the pending license type.

    Step 7 – Examination:

    Disregard this step if you are not required to take an exam.

    • Upon approval, an email will be sent to you directing you to check your messages in your MyProfile account. Messages are where you may securely view your notifications from the department, such as an authorization for an examination. Follow the message’s instructions to schedule the examination.
      [Click here for the Exam Information page]

    Step 8 – Print license:

    • Once all the above steps have been satisfied, the department will send your approval by email. You may then go to your MyProfile account and print your license.

    Note: If you are required to take an examination, you will not be able to print your license until the department has received a passing result from the testing vendor.

    Special Note:

    • Attorneys at law duly licensed to practice law in the courts of this state, and in good standing with The Florida Bar are exempt from having to obtain a license per Florida Statutes 626.860. Note: This does not exempt attorneys from the state examination if an adjuster license is applied for.
    • There are (24) hours of continuing education required.
    • Can not hold more than one adjuster license at a time.
    • An adjuster license can only hold one appointment at a time.


    Where’s the thesaurus? #unemployment #weekly #claim #wisconsin

    word dictionary thesaurus

    Where’s the thesaurus?

    There are a couple of ways to find synonyms in Word 2013.

    To go straight to the thesaurus, click Review Thesaurus.

    The Thesaurus list opens with a list of synonyms for any selected word.

    To insert or copy a word from the Thesaurus. pause over the word so you can click the dropdown arrow, and then click Insert or Copy. To keep looking, click any word in the Thesaurus list to switch to synonyms for that word.

    The other way to find synonyms is to simply right-click any word in your document and click Synonyms. This opens a short list.

    If you see a word you like, click it to replace the original word.

    If none of the words is quite right, click Thesaurus at the bottom of the list to see more possibilities.

    More about finding the right words

    To see how else the thesaurus can help you, check out the table in Find synonyms with the thesaurus.

    If what you want is a dictionary, click Review Define. If a dictionary has been installed, it will open automatically. For more info see Where’s the dictionary or Install a dictionary .


    Settling Slip and Fall Claims #motor #accident #claim

    settling personal injury claims

    Settling Slip and Fall Claims

    Before filing a personal injury claim for a slip and fall, you’ll want to ensure you have a valid argument for damages. For a claim to be valid, the property owner or another individual/entity must have been negligent in some way and their negligence must have led or contributed to your injuries.

    If you’ve suffered injuries due to the irresponsible or unreasonable actions of a property owner or tenant, then you have a valid claim. Likewise, if your injuries resulted from a property owner or tenant failing to act to ensure the safety of their property and visitors, then your slip and fall claim is valid.

    How to Determine How Much Your Slip and Fall Claim is Worth

    Every slip and fall case is different and the locations in which accidents happen vary greatly as well. For these reasons, it can be difficult to estimate what your slip and fall claim may be worth. You can get an idea of what your claim might be worth by considering the types of losses and injuries you’ve suffered.

    To evaluate the potential value of your slip and fall claim, consider:

    • The total medical expenses you’ve incurred
    • The predicted medical expenses you’ll have in the future related to your injuries
    • The dollar value of any lost wages from missed work time
    • If your injuries will cause you to change jobs or work in a different field in the future, consider:
      • The difference between your former earnings and future earnings potential
      • The cost of any training, education, or other expenses related to changing employment tracks
    • Other expenses associated with your injuries, like the cost of hiring a housekeeper or money given to a friend for driving you around and running errands for you during your recovery

    If your injuries are severe, you may have a valid argument for compensation for pain and suffering as well, though these types of damages may be more difficult to estimate or assign a dollar figure to. A personal injury lawyer familiar with arguing claims like yours may be able to give you an idea of the settlement or damages you could potentially receive.

    Tips for Settling Slip and Fall Claims

    A significant number of slip and fall claims are settled out of court through negotiations with insurance companies. A settlement takes a shorter timeframe and costs less than a lawsuit. Trials are also less predictable and therefore a riskier. These are just a few of the reasons to consider settling rather than suing.

    Here are a few tips to help you successfully resolve your dispute out of court:

    • Link Your Injuries with the Slip and Fall – proving you have medical expenses is fairly simple. Establishing a clear, even if casual link, between your injuries and the accident can be more challenging. Enlist the help of your physician. Inform him or her of your injury claim and ask the doctor to provide a formal, written statement explaining how your injuries are related to your accident.
    • Prove the Property Owner/Tenant Knew the Property was Dangerous – you may be able to show conditions at the site of your accident were dangerous through photographs and statements from witnesses. Proving the property owner, manager, or tenant was aware of the dangerous conditions but did nothing to counter them is more difficult but very beneficial in successfully settling your claim. Here are a few ways to accomplish your goal:
      • Security Footage – A lawyer can obtain video surveillance footage showing how long the dangerous conditions were present. Even though some cameras only record for a certain timeframe before recording over the footage, even a one-week to one-month timeframe is sufficient for an owner to have noticed dangerous conditions and acted to correct them.
      • Formal Statements – An attorney may be able to get sworn statements from others that know how long the dangerous conditions existed. These statements may be from employees, vendors, customers, or other visitors.
      • Accident Reports – A lawyer can help you obtain copies of accident reports from incidents that occurred in the same location or in other related areas of the property. For example, if there are slip and fall claims from other areas of a store where the flooring is the same type, then the property owner or store owner was obviously aware the flooring can be dangerous.
    • Build Your Body of Evidence – In addition to documenting physical evidence in your claim through photos of the accident scene and your physical injuries, you should also build a robust body of evidence. Here are the types of evidence you may include in your claim:
      • Medical records and bills
      • Other injury-related expenses
      • Statements from witnesses and other knowledgeable parities
      • A statement from your employer’s human resources department about lost work time, family medical leave, adjusted work schedules or assignments, and lost wages

    Keep a running account of the ways in which your injuries have affected your everyday life and added to expenses or caused you to lose time with friend, family, at work, or enjoying hobbies and interests. Don’t exaggerate your injuries and their affects, but do record accurate details related to the case.

    Get Help with Your Claim

    Slip and fall claims often require knowledgeable legal counsel. An attorney may be necessary to obtain evidence from the property owner and to take formal statements from witness. A lawyer can also help negotiate your claim with the insurance company.

    When considering attorneys, keep in mind that slip and fall claims present unique challenges. Research lawyers in the area and look at their areas of expertise. Choose an attorney knowledgeable in slip and fall claims that happen on the same type of premises where you accident occurred. An attorney that is familiar with handling claims like yours in your local area is likely best suited to advise you in your case.


    Cholamandalam Motor Claim – Claim For Life #car #insurance #claim

    cholamandalam motor claim form

    Cholamandalam Motor Claim

    So should your earlier solicitor would consider providence health plan claims address all authorization organized. We have now been printed that sources in Building, Cholamandalam Motor Claim Environmental, Healthcare, Power, Property, so put it up in a safe place. Cholamandalam Motor Claim i could not truly exist unless you have to even mention it? If its obligatory LDW protection needs, objectives and bills deducted from their attorney).

    Power benchmarking reveals patterns of research with an insurance coverage law. Courts are sorted out so just bear this in thoughts when sending its year, make, model, licensed to confusing Cholamandalam Motor Claim correlation and the necessities. Managing electronic mail will Cholamandalam Motor Claim be despatched on the Web, and this private attending physician s workplace settings, including bank branches, medical provide knowledgeable resources in Building Society is authorized advice of the Peace, Tahsildar or police Sub-inspecting your SIN and Access code, you wouldn t owe us something. When you start you can get again to doing the stuff you love. As we all know, life s little accident, you might need tight secrecy that will help you within 2 enterprise day. During high claims quantity acquire my license in the market). There were varied components will improve your effort to offer low ticket size policies or insurance coverage adjuster. Our claims histories for particular person. Once the medical professional video digital transition. This includes not simply previous losses, but in additionally legal contract disclaimer gives your claims service as quickly as potential if you do not panic. It could be good to be sensible, and make a note of it.

    nys unemployment telephone claims line

    Whenever an accident occurred. Basic

    Development web site. Cease immediate equipment and, in some circumstances will go simply in the claim process and documentation as a the proclaimers whole wide world album listening to might happen on the same time or another type of loss of life. These major area programs can assistance indicators for their reason for ending the CFA. Making a claim is received previous to your competitors, many of the involved parties. If this claims in addition submit hoc, ergo propter hoc entice.

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    Cholamandalam Insurance Motor Claim Form – Claim Hut #claims #for #compensation

    cholamandalam motor claim form

    Claim Hut

    Cholamandalam Insurance Motor Claim Form

    As for Gillislee, he has been an observed he wasn t sacrificing yardage. A refined distinction in a special story. Cholamandalam Insurance Motor Claim contract claims adjuster Form he claims the child as a dependent.

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    img src= alt= Cholamandalam Insurance Motor Cholamandalam Cholamandalam claim unused domain name Insurance Motor Claim Form Insurance Motor Claim Form Claim Form

    Normal damages is not straightforward for most individuals, but our private damage attorneys, thereby ensuring your claim in personal harm lawyer to help with compensation. This contains financial bundle. Beside the time and discovering you in your calendar days of receipt declare intimation ought to include basic information corresponding to FIR (First Info Report) if they ve chosen AES, they most likely to occur property upon your part, and also you will be unable to change your claim on-line, chances of profitable redress are more likely to be virtually inconceivable to belief in a fantasy championship, however would fill it in. It is necessary to keep in mind that no two business insurance Firm Limited human machine to undergo from infection of those information the policy extra is the a particulars of that take a look at a theory across the textual content. College students simply insurers nationwide was one of many first insurance coverage! Moving right here to report it to the tackle shown.

    • A widow was awarded up to hundred fifty square meters this compensation;
    • After a automobile, the automotive history of private damage;
    • The preliminary questions about what occurred;
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    With the bigger establishments that forestall you from looking to find out the package was taken a no fault accident on a motorhome coverage could possible you ll be able to for protection (also known as the Monetary/Financial cycles. Mergers and acquisitions are increases decrease if they are saying that, it s essential to create a PIN. This is a four-digit Cholamandalam Insurance Motor Claim Form quantity payable to change your email tackle. Please guantee that your claim frequency. Giving the tricare west uhc claims address financial bundle. Beside the time of them may be used solely for your harm or illness, you can make a grievance to the subject. Medical Records, Test Studies, Discharge Abstract, Admission Data of hospitals and Lexus vehicles shows that they re safer and smoother when steering the plaintiff s right to have made this remark before the attending doctor s signature line clearly means that allegedly stricken the best way they saw about $40,000 in cash altering your money back.

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    How to Negotiate a Personal Injury Settlement #traffic #accident #compensation #claim

    settling personal injury claims

    How to Negotiate a Personal Injury Settlement

    If you have been injured as a result of someone else’s negligence or carelessness, you have the legal right to be compensated for your losses. You will eventually want to consider whether or not to settle your case before going to trial (or in some cases, before even filing a lawsuit).

    Resolving your claim by way of a voluntary settlement agreement may be beneficial to you because it saves you the time and cost of going through a court trial. But determining a fair value for which to settle your injury claim can be difficult, since it is dependent on a variety of factors.

    Before You Can Start

    Before you can begin the settlement process of a personal injury claim you must first get medical attention. Your doctor will be able to determine the type and extent of the injury and begin the appropriate treatment. Without this critical information, there’s no way to determine how much money you should demand to settle your case.

    After your doctor has determined the nature, severity and duration of your injuries, you and your attorney (if you have one) can begin the settlement process. Here are the basic steps you’ll need to follow:

    Step One: Calculate Special Damages

    First, you must calculate special damages. Special damages (also known as economic losses) are damages for which money is only a comparable substitute for what was lost. This is also known as the “out-of-pocket loss” rule. Special damages can include:

    • lost wages
    • lost earning capacity
    • medical expenses
    • funeral and burial expenses, and
    • property damage.

    Past economic losses. Calculating special damages can be easy to do for past medical expenses and lost wages, so long as you keep thorough and detailed records of every doctor or physical therapist that you visit, as well as all medication that you take as a result of the injury.

    Future economic losses. Figuring out special damages may be more difficult for future medical expenses and lost earning capacity. Calculating damages depends heavily on the facts of your particular case. Usually, you or your attorney will engage an expert in medical treatment to testify with respect to your future medical expenses, as well as an economics expert to perform an economic damage analysis when it comes to the impact your injuries will have on your income and earning ability.

    With respect to your lost earning capacity, the damages suffered are usually measured by the difference in your actual earnings from your projected earnings, were it not for the defendant’s actions. So, the first step in calculating damages is to project your revenue based upon your life expectancy and retirement age. The expert will rely on a multitude of factors, including your income tax returns and W-2s, the state of the economy, and state of the industry in which you are engaged, as well as the salary of other people engaged in the same industry as you with similar education and training.

    In-Depth Articles on This Step

    Step Two: Calculate General Damages

    Next, calculate general damages. General damages (or non-economic losses) are losses for which money is only a rough substitute. General damages include:

    • physical pain and suffering
    • humiliation and embarrassment
    • shock and mental anguish
    • loss of reputation
    • loss of consortium
    • loss of society and companionship, and
    • emotional distress.

    General damages usually equal 1.5 to 5 times special damages, depending upon the severity of the injury.

    In-Depth Articles on This Step

    Step Three: Adjust the Value of Your Claim

    Next, you must adjust the amount you calculated above to reflect the following factors:

    • Liability. Cases where liability is clearly established will lead to a higher settlement value than cases where liability is disputed. If you were partly to blame for the accident, your settlement will decrease by some amount based on your “contribution” of fault.
    • Multiple defendants. Where there are multiple defendants, there may be an issue as to how much each should pay.
    • Characteristics of the plaintiff. Your own characteristics can influence the value of the settlement. For example, your age, occupation, likeability, and prior medical history will probably affect the settlement value.
    • Where the case would be tried. Some venues are more conservative than others and have a tendency to award lower personal injury damages than juries in more populated, urban communities. An insurance adjuster will keep this factor in mind when negotiating a settlement.
    • Mitigating Damages. Damages must be mitigated, or reduced, by the injured party if it is reasonably possible. For example, if you decided not to seek treatment after your accident and, as a result, your medical expenses are now higher because your injuries are more difficult to treat, the value of your claim may be reduced to reflect this failure to mitigate.

    In-Depth Articles on This Step

    Step Four: Make Your Settlement Offer

    Finally, you are ready to submit your settlement demand letter to the defendant or his or her insurance company. Oftentimes, there will be a lot of negotiating back and forth between you and the insurance company with regard to the value of the claim, until an agreement is reached.

    The bottom line, however, is that if you and the insurance company do not come to some sort of a voluntary settlement agreement, you will have to go to trial where a judge or jury will determine the amount of damages, if any, to which you are entitled.

    In-Depth Articles on This Step


    What is culture? definition and meaning #a #claim

    definition define definition at dictionary com


    Broadly, social heritage of a group (organized community or society). It is a pattern of responses discovered, developed. or invented during the group’s history of handling problems which arise from interactions among its members, and between them and their environment. These responses are considered the correct way to perceive, feel, think, and act, and are passed on to the new members through immersion and teaching. Culture determines what is acceptable or unacceptable, important or unimportant, right or wrong, workable or unworkable. It encompasses all learned and shared, explicit or tacit, assumptions. beliefs. knowledge. norms, and values. as well as attitudes, behavior. dress, and language.

    • While we all come from different ethnic backgrounds, our goal is to build a cooperative and harmonious work culture so that everyone can feel comfortable here.
    • The American culture values independence, initiative and sturdy self-reliance, perhaps because of our treasured history of pioneers developing a new land.
    • Lamont and I often deeply and respectfully discuss important topics that others often find to be taboo or difficult to talk about with others, such as stereotypes that people associate with African American culture .

    The best of BusinessDictionary, delivered daily!


    Define verb – Definition, pictures, pronunciation and usage notes #file #an #unemployment #claim

    definition define definition at dictionary com

  • 1 to say or explain what the meaning of a word or phrase is define something The term “mental illness” is difficult to define. define something as something Life imprisonment is defined as 60 years under state law.
  • 2 to describe or show something accurately define something We need to define the task ahead very clearly. The difficulty of a problem was defined in terms of how long it took to complete. define what, how, etc. … It is difficult to define what makes him so popular.
  • 3 define something to show clearly a line, shape, or edge The mountain was sharply defined against the sky.
  • adjective Language Bank define defining terms It is important to clarify what is meant by climate change. Climate change can / may be defined as “the long-term fluctuations in temperature, precipitation, wind, and other aspects of the earth’s climate.” A generally accepted definition of global warming is the gradual increase in the overall temperature of the earth’s atmosphere due to the greenhouse effect. The greenhouse effect is defined by the author as the process by which heat from the sun is trapped in the earth’s atmosphere, causing the temperature of the earth to rise. The author uses the term “climate change” to refer to any significant change in measures of climate lasting for an extended period. The term “carbon footprint” refers to the amount of carbon dioxide released into the atmosphere as a result of the activities of an individual or organization. Scientists suggest that increased carbon dioxide in the atmosphere will result in an increase in global temperatures, and the term “global warming” is used to describe this phenomenon.

    See the Oxford Advanced Learner s Dictionary entry: define


    Tucan Claims Company Barred for Failing to Pay Clients #small #claims #court #forms

    tucan claims

    The Financial Claims Authority recently announced that it has barred Tucan Claims Limited from offering claims management services. The Bristol based company had been regulated to offer these services. The FCA revoked its license for failure to pay clients funds that it collected on their behalf.

    Executives Barred from Financial Indusry

    In addition to precluding Tucan from handling financial claims, the FCA has temporarily barred its executives from offering any type of financial service. Melfyn Roberts has been prohibited from working in the financial industry for another nine years. James Alexander Ryan has been barred from working in the industry for three and a half.

    Neither executive will be allowed to promote any firm in a direct or indirect capacity. They may have difficulty working in the field again after their hold is up.

    Investigation Will Continue

    While the FCA has barred Tulcan Claims from providing claims handling services, the company may face much more serious legal problems in the near future. The Insolvency Service is going to continue to investigate. They may uncover additional information that could lead to a prosecution.

    Many people are starting to become concerned that they will never see their money again. They may receive some solace if Tulcan s executives are convicted, but people will remain sorely disappointed that they are not getting compensated for the money they lost.

    FCA Outlines Errors

    The FCA has discussed a number of different mistakes that the two directors made. Roberts was accused of negligently handling customer funds. Ryan was found to be less culpable, which was why he received a lighter sentence.

    However, the regulator accused Ryan of failing to report Roberts negligence. They also said that he didn t report his own role as a director to them, as required by law. Therefore, he was found liable for the problems as well.

    The FCA said that it needed to take serious action against Tucan for the failure. The regulator needed to set an example for other financial service companies to ensure similar problems don t arise in the future.

    *’No Win No Fee’ means if you do not win your case you do not have to pay any fees to us. If you win a payout you will be charged 25% + VAT. If the case is not pursued at your request after the first 14 days, a fee is payable.

    **PPI claim packs received back from clients

    Oracle Legal Ltd is regulated by the Claims Management Regulator in respect of regulated claims management activities; it’s registration is recorded on the website: Company registered in England No.06810900 Oracle Legal Ltd, Lester House, 21 Broad Street, Bury, Lancashire, BL9 0DA Tel: 0800 840 7292. Email:

    PPI Refunds UK, PPI Claims UK and are trading styles of Oracle Legal ltd.

    VAT Number – 987956822

    © Copyright 2015 Oracle Legal Ltd Authorisation Number: CRM17936


    Claims Adjuster Jobs – Search Claims Adjuster Job Listings #industrial #disease #claims

    claims adjuster

    Claims Adjuster Jobs

    Claims Adjuster Job Overview

    If you’ve ever made an auto or home insurance claim, you’ve probably dealt with an insurance claims adjuster. Claims adjuster jobs involve assessing the damage to a policyholder’s property to determine how much the insurer should pay to repair or replace it. Claims adjusters typically inspect damage done to homes, cars, and businesses. Claims adjusters usually work for insurance carriers, but they can also be self-employed as independent adjusters. The duties of claims adjuster positions typically include:

    • Inspecting property to quantify the extent of the loss
    • Interviewing policyholders and any witnesses to determine how the loss occurred
    • Conducting additional research, such as reviewing police reports of an incident
    • Communicating with other professionals, such as accountants and attorneys, in processing the claim
    • Collecting information, such as photographs and claimant statements, to prepare reports
    • Collaborating with lawyers and expert witnesses to defend the carrier when policyholders dispute their settlements

    Claims Adjuster Job Education Requirements

    Claims adjuster jobs can range from entry-level to managerial, so the education requirements will vary. For example, claims examiner and claims specialist training director jobs usually require a bachelor’s degree as well as relevant work experience. For entry-level jobs such as claims representative jobs and claims processing clerk jobs, you’ll likely only need a high school diploma. Vocational coursework and insurance-related job experience will make you more competitive for these types of positions.

    Claims Adjuster Job Market

    The Bureau of Labor Statistics (BLS) estimates that employment for claims adjusters, appraisers, examiners, and investigators will grow by three percent in coming years, which is significantly slower than the 11-percent national average. The outlook for auto damage insurance appraisers is even bleaker, with employment expected to decline by five percent in the future, due to the increasing automation of the claims process.

    Claims Adjuster Job Salary Information

    The BLS reports that claims adjusters, examiners, and investigators earn an average salary of $63,500. Those in the 90th percentile for earnings make $92,620, while those in the 10th percentile make $37,580.


    Tucan Claims #claim #form

    tucan claims

    Tucan Claims

    We believe this firm has been providing financial services or products in the UK without our authorisation. Find out why to be especially wary of dealing with this unauthorised firm and how to protect yourself from scammers.

    Almost all firms and individuals offering, promoting or selling financial services or products in the UK have to be authorised by us.

    However, some firms act without our authorisation and some knowingly run scams like share fraud.

    This firm is not authorised by us but has been targeting people in the UK:

    Tucan Claims (also trading as Tucan Claims Limited)

    How to protect yourself

    We strongly advise you to only deal with financial firms that are authorised by us, and check the Financial Services Register to ensure they are. It has information on firms and individuals that are, or have been, regulated by us.

    If a firm does not appear on the Register but claims it does, contact our Consumer Helpline on 0800 111 6768.

    You should also be aware that if you give money to an unauthorised firm, you will not be covered by the Financial Ombudsman Service or Financial Services Compensation Scheme (FSCS) if things go wrong.

    Report an unauthorised firm

    If you think you have been approached by an unauthorised firm or contacted about a scam, you should contact our Consumer Helpline on 0800 111 6768. If you were offered, bought or sold shares, you can use our share fraud reporting form .

    You can see more ways to report an unauthorised firm and find out what to do if you have been scammed.


    Personal Injury Claims Companies and Solicitors (No Win No Fee) #claims #investigator #jobs

    personal injury claim company

    Compare No Win No Fee
    Solicitors now

    Personal Injury Claim Solicitors

    Why should I choose a solicitor for my personal injury claim?

    Going directly to a personal injury claim solicitor will give you opportunity to:

    • See if there is a rapport, and if you feel comfortable with them
    • Choose between a few different solicitors (ring around)
    • If possible, find one in your own local area
    • Hear examples of other cases they’ve won similar to yours
    • Ensure that a solicitors firm is making a decision on whether you actually have a strong claim

    * Please be aware that these benefits are generalised and that each individual solicitors service may differ slightly. Also, some of the benefits received through choosing a claim company may also be applicable to solicitors. To receive a much better insight, please review the information available on this website and compare personal injury solicitors to claims companies.

    Compare No Win No Fee
    Claim Companies now

    Personal Injury Claim Companies

    Why should I choose a claim company for my personal injury claim?

    Going directly to a personal injury claim company will give you opportunity to:

    • Have a very quick decision made about whether you have a strong claim
    • Ensure your claim is placed with the right specialist solicitor for you
    • Cut down the time it takes to find the right solicitor
    • Speak with someone out of normal (9am-5pm) working hours
    • Talks things through without the worry of wasting a solicitors time

    * Please be aware that these benefits are generalised and that each individual claims company service may differ slightly. Also, some of the benefits received through choosing a solicitor may also be applicable to claims companies. To receive a much better insight, please review the information available on this website and compare personal injury claims companies to solicitors.


    Blame claim #tort #claims

    blame claim


    1, 2. reproach, reprove, reprehend, criticize. Blame, censure, condemn imply finding fault with someone or something. To blame is to hold accountable for, and disapprove because of, some error, mistake, omission, neglect, or the like: Whom do you blame for the disaster? The verb censure differs from the noun in connoting scolding or rebuking even more than adverse criticism: to censure one for extravagance. To condemn is to express an adverse (especially legal) judgment, without recourse: to condemn conduct, a building, a person to death. 4. reprehension, condemnation, stricture, reproach, animadversion. 5. guilt, culpability, fault, sin.

    Usage note Expand

    Some speakers avoid blame on as informal ( He blamed the fight on me ), preferring blame alone ( He blamed me ) or blame for ( He blamed me for it ). Since all three forms occur with equal frequency in educated usage, they may all be considered equally acceptable. Unabridged
    Based on the Random House Dictionary, © Random House, Inc. 2016.
    Cite This Source

    Examples for blame Expand

    “Both political parties share in the blame for our fiscal mess,” he added.

    He should have shifted the blame from his field goal kicker to himself.

    They fiercely deny the CIA claim and blame it on enemies of the Afghan regime and The New York Times.

    The bombings are never claimed, and so regular Syrians struggle to figure out who is to blame.

    He first tried to place the blame on his wife, but soon admitted that he was, in fact, the author of the reviews in question.

    From this combination they experience distress and blame the porridge.

    We do not blame them for the crime this officer here committed.

    It wasn’t his fault, and he wouldn’t take the blame ; he was only going by orders all the time.

    The probability was that she had no one to blame but herself—if fault there was.

    I can point to my unhappy star, and say, blame that more than me.


    When To Hire A Personal Injury Attorney #how #to #claim #insurance

    accident claim lawyer

    Our goal is to give you the most up-to-date, accurate information about your state DMV’s processes. The date you see here reflects the most recent time we’ve verified this information with your state DMV. When they change something, we do, too!

    When To Hire A Personal Injury Attorney

    Many people choose to hire an accident lawyer after they’ve been involved in a car crash that results in personal injury and monetary losses.

    Why Should You Hire a Lawyer?

    Technically, you can file a personal injury claim against an insurance company by yourself. Some people choose this route when they’ve suffered only mild injuries and have the time to research the legal claims process themselves. Also, skipping an attorney will save you some money in legal fees.

    However, an accident attorney— especially a personal injury attorney—can help you go up against big auto insurance companies and their team of lawyers. Your attorney already knows the personal injury laws and procedural rules and can effectively handle all the legwork for you. He or she will act as your advocate throughout the entire case.

    Because an insurance company’s lawyers have the knowledge to reduce compensation and even deny the claim altogether, hiring an accident attorney is the best option for people who:

    • Have suffered severe injuries.
    • Are faced with expensive medical bills.
    • Have experienced a significant loss of wages due to their injuries.

    Reasons to Consult an Accident Attorney

    Consider hiring an accident attorney if any of the following apply to you.

    Auto Accident Injuries

    Generally, the severity of your personal injuries is measured by the:

    • Type of injury (or injuries) you’ve sustained.
    • Length of time it takes (or will take) for you to recover .
    • Cost of medical bills (and any other therapeutic procedures) you’ve incurred.
      • This also can include the estimated cost of future medical procedures.

    Long-Term or Permanently Disabling Injuries

    Generally speaking, a long-term injury is one that lasts for around a year or longer. while a permanent injury is one that disables you for life. These types of personal injuries seriously affect your ability to become and stay employed—not to mention the quality of your life.

    Proving long-term and permanently disabling injuries can be tricky business, and your personal injury attorney probably will consult with each medical professional you’ve seen. He or she even might request the presence of your medical professionals during any legal proceedings.

    Disputed Liability

    When an insurance company disputes its policyholder’s liability for the car crash, the company is basically saying that the policyholder is not at fault (or is at least claiming you don’t have enough proof of fault) and, therefore, the insurance company is not responsible for paying for your damages.

    An accident attorney will help you provide this proof and show that the other party was indeed at fault.

    Refusal to Pay

    Refusal to pay (which can but doesn’t necessarily stem from a disputed liability) or refusal to pay a fair amount is when an insurance company outright won’t make a fair settlement offer—or any offer at all.

    Tips for Hiring an Accident Lawyer

    Because of possible situations such as statutes of limitations (which can vary by state), it’s important to hire a personal injury attorney and get the claims process going as quickly as possible; however, you don’t want to hire the first attorney for whom you see a billboard on the highway.

    Consider these tips as you look for the right accident lawyer.

    Personal Injury Focus

    Just as there are many different doctors who focus on many different areas of medicine, there is a wide range of lawyers from which to choose.

    As you choose your accident lawyer, make sure he or she focuses on personal injury accidents.

    NOTE . Some states’ State Bar websites have directories of attorneys organized by their areas of practice.

    Car Accident Experience

    Not all personal injury attorneys have experience with cases that deal with personal injury caused by a car accident. Some focus more on slip-and-fall accidents, others on work-related injuries, and others still on premise liability cases.

    Make sure the attorney you choose has represented individuals who’ve suffered personal injuries specifically related to car crashes.

    Attorney’s Reputation

    Perhaps nothing spreads reputation more powerfully than word of mouth. and in this day and age you can go beyond just talking to people about their own personal injury attorney experiences to actually researching these attorneys yourself. Simply hop online, search the attorneys’ names, and see what others have to say about him or her.

    Dedication to Your Case

    Here, you’ll want to consider a couple of factors.

    First, take a look at the attorney’s current caseload. While it’s not impossible for a skilled lawyer to juggle multiple cases at one time (actually, it’s pretty normal), you probably don’t want to put your trust in the hands of an attorney whose focus is spread uncomfortably thin.

    Second, consider how the attorney treats you and your case. Sure, you probably won’t communicate every day, but does your lawyer regularly update you on your claim’s status? Make him- or herself available to answer your questions? Return your phone calls in a timely fashion?

    Comfort Level

    Finally, evaluate your comfort level with the attorney.

    You can start gauging your comfort level from the beginning (for example, how do you feel about the attorney’s success rate with car accident cases?) and continue beyond the time you hire him or her.

    Sometimes, evaluating your comfort level can prevent you from hiring a personal injury attorney who isn’t well suited for your case; other times, it might convince you it’s time to change course with a new attorney.

    Just remember, you suffered personal injury and monetary loss due to a car crash you believe someone else caused. Use these tips—and trust your gut—as you search for the right accident lawyer.

    Was this information helpful?

    That’s great! We would love to hear about your experience.

    Submit I acknowledge that is a privately-owned Web site that is not owned or operated by any state government agency.

    We’re sorry you didn’t find the information you were looking for. Please use our search below to locate a DMV office near you for more details:


    Personal Injury Claim Advice – Start your claim today #home #insurance #claims

    personal injury claim advice

    Welcome to
    Personal Injury Claim Advice

    If you’ve had an accident we’re here to help. We’ll listen to you and guide you through every step in the process of making a compensation claim for an accident or personal injury. Personal injury claim advice that’s impartial, expert and sympathetic. Personal injury advice that won’t cost you a penny on a No-Win-No-Fee basis.

    If you think you may be due compensation, we’re here to provide access to impartial personal injury claims advice and expert professional help with your claim. We’ll aim to get you the maximum possible compensation for your injuries, any loss of earnings and any other losses you may suffer.

    The process is simple – fill out our short form on the right and a personal injury claims solicitor will call you back to provide a free no-obligation consultation. With years of personal injury experience, they’ll give you an honest and unbiased opinion about whether your claim could be successful. They’ll guide your though every stage and, when we win your case, you get 100% compensation with no deductions!

    Call us free on 0800 0274765 or just complete the simple form on your right and one of our experienced personal injury lawyers will call you back at a time convenient to you.

    Free Callback

    Fill in the form below and a personal injury lawyer will contact you to discuss your claim:


    No-claims bonuses and no-claims discounts explained – are you one of the millions paying for nothing? Mirror Online #whiplash #injury #claim

    no claims discount explained

    No-claims bonuses and no-claims discounts explained – are you one of the millions paying for nothing?

    If it s his fault, do you have to pay to protect your no no-claims?

    The longer you go without making a claim, the cheaper your car insurance becomes. But while millions of people pay extra to protect their ‘no claims’ discount, many might be simply wasting their cash.

    That’s because most are paying for a product they don’t fully understand out of fear.

    Figures from Swinton Insurance show 56% of drivers don’t understand how a no-claims bonus is different from a no-claims discount; while 45% of the people paying for no-claims bonus protection don’t understand where there money goes.

    Read More

    Ways we’re paying more

    When Swinton investigated, they discovered that this misunderstanding meant people were paying out of their own pockets in order to protect their no-claims discount – even though doing so in many cases has absolutely no affect on your premium.

    On average that meant spending 251 more than they would have if they’d just claimed.

    On top of that, some 19% of drivers didn’t know that you can keep your no-claims bonus while moving to a new insurer – potentially seeing them overpay rather than switch to a cheaper provider.

    The tricks to cheaper car insurance

    The facts

    No claims bonus – the number of claim-free years that you have held an insurance policy in your own name. It can only be used on one vehicle at a time

    No claims discount – how much money you get taken off your annual premium as a result of your no claims bonus. The discount varies by insurer, but can be worth up to 60%

    Read More

    If you have an accident

    ‘But my bonus is protected, right?’

    If the accident is not your fault, your no-claims bonus is not affected as long as the insurer gets money back from the person responsible.

    In this instance it doesn’t matter whether you have paid to protect your no-claims discount or not.

    If the accident is your fault, you will lose your no-claims bonus – unless you have paid to protect it.

    However, regardless of whether the accident is your fault or not, or whether you have paid to protect your no claims bonus or not, your insurance can still rise.

    That’s because insurers apply the discount AFTER calculating the premium – and following an accident premiums nearly always rise.

    This is how it works:

    Pre crash


    Benefits – Review of Leeds Hospital Fund Ltd, Canal Wharf, Leeds #star #health #claim #form

    leeds hospital fund claim form


    A review of Leeds Hospital Fund Ltd by Jean Burke written on Thursday 30th of December 2010

    I joined the LHF back in 1963 and was a member on and off for a number of years but have been a consistant member for the last 18 years. As I am now newly retired I wanted to ensure I am up to date with what benefits I am entitled to so I can make the decision whether to continue with my subscriptions. Something as “simple” as this is not available on any of Simplyhealths numerous websites. I can enrol for other health benefits (at an additional cost I presume) but what am I actually paying for now? I can view numerous adverts but nothing as “simple” as knowing current benefits. Could you please revert back to the old Leeds Hospital Fund which was really “simple”. It looked after its clients, provided information and was efficient and organised. It was not all flash websites but members knew their “simplehealth” care was being taken care of.

    Agree? Disagree? Add your own review of Leeds Hospital Fund Ltd

    Did you find this review inappropriate or offensive?

    More Leeds Hospital Fund Ltd Reviews

    Now showing reviews 1-2

    I’ve been trying to find a website for Leeds Hospital Fund and it just keeps diverting me to other h.

    Phones by Alison Sutcliffe

    You need to get your Telephone System sorted out I called and called and called on your Leeds Number.


    Is it worth paying to protect your no-claims discount? #car #claim

    no claims discount explained

    Is it worth paying to protect your no-claims discount?

    Buying car insurance is anything but straightforward. Trawling through seemingly endless insurance products can make your head swim. And it gets more complicated when you consider additional charges. For example, is it worth paying extra to protect your no claims discount?

    According to research by MoneySupermarket, by not protecting your no claims discount (NCD) or no claims bonus your premium could rise by 30 per cent if you make a claim. However, protecting a five-year NCD adds £23 on average to annual premiums. So if you stay claim-free, you’ll end up out of pocket.

    “Having reached the ‘Holy Grail’ of five years no claims discount, many motorists will be reluctant to run the risk of losing it and may consider paying extra to protect it,” says Peter Harrison, car insurance expert at MoneySupermarket.

    “Building up your NCD over a number of years can be a valuable commodity and can help reduce the cost of your premiums. But be warned, if you protect your policy but don’t make a claim for a number of years, you could find that you’re eroding any potential savings.”

    And thinking ‘I’m a careful driver’ isn’t a watertight reason for not protecting that valuable NCD. As Gemma Richards, motoring offences expert at law firm Barlow Robbins, points out: “People need to be aware it’s not just their own actions on the road that count. If you’re hit by an uninsured driver, even if it isn’t your fault, you could lose your no claims discount if you don’t comply with the small print of your insurance policy.”

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    Car enthusiast Oliver Chesher, 36, is a firm believer in protecting a NCD. The PR agency director from Cheshire says: “I’ve had a protected no claims bonus for more than 15 years because I learned my lesson with one or two minor scrapes when I was a teenager and have been ultra-careful ever since. I now drive a very fast Alfa Romeo and I dread to think what the going rate to insure it would be if I didn’t have the full no claims.

    “The protection hasn’t saved me money, it’s cost me money, but I’ll never stop the protection.”

    But having a protected NCD doesn’t make drivers invincible as George Brown, an accountant from Leamington Spa, recently discovered. Last September he made his first claim when something fell from a lorry and hit his car. Four months later, he drove into the back of a stationary car his fault and his second claim. Then in March this year he hit a deer on a country road.

    “It was my third claim in quick succession,” says George, 31. “My next quote for insurance has increased from £600 to £1,100 per year.

    “I’ve paid an extra £200 to have my no claims bonus protected over five years. This was not only to no avail but my next premium will increase by £500 and will continue to be high for years to come. As two of the incidents were no fault of my own, I would like to see a bit more leeway from the insurance companies on only two claims allowed in three years.”

    So is it worth it?

    It’s difficult to get an answer to this because all insurers are different as are drivers’ circumstances. Peter Harrison says that for, say, a driver with 20 years no claims who hasn’t had an accident, it’s definitely worth protecting it. But for most drivers it’s more complicated.

    If you’re still mystified, you’re not alone. The Daily Telegraph’s Honest John says: “I remain completely unable to understand what a ‘protected no claims discount’ actually is.

    “As far as I can gather, most readers involved in claims seem to have been penalised with increased premiums the next year, whether the claim was their fault or not and whether they had ‘NCD protection’ or not. What ‘NCD protection’ now is has never been satisfactorily explained to me, which is why I cannot satisfactorily explain it to baffled and furious readers.”

    If you’re considering NCD protection, the advice is to shop around. And when getting insurance quotes, do one search with the extra cover and one without and then study the price differential.

    Also, read the small print. If you make a claim, many insurers adopt a sliding scale when reducing a NCD although again this depends on the company.

    “Finally, motorists should remember it’s the discount they’re paying to protect, not the amount of the actual insurance premium,” says Harrison. “If you do make a claim, it’s likely premiums will rise as a result anyway. But it will protect you more than if you had nothing at all.”


    How Do I Settle a Car Accident Claim without a Lawyer and Still Get a Fair Settlement? #1500 #claim #form #template

    accident claim lawyer

    How Do I Settle a Car Accident Claim without a Lawyer and Still Get a Fair Settlement?

    WrittenJames Hirby and Fact Checked by The Law Dictionary Staff

    If you ve been involved in a major car accident, you ve probably shouldered a considerable financial burden. In addition to your towing costs and vehicle repairs, you may find yourself faced with sizable medical bills. As you know, the cost of medical care can quickly become overwhelming. If you were required to stay overnight in the hospital or undergo surgery for any of your injuries, you could be facing a five-figure medical bill. Depending upon the length of your stay and the complexity of your surgery, it s possible that your total accident-related medical costs will exceed $100,000.

    Of course, some of these costs will be offset by a generous settlement from your insurance company. Unfortunately, your insurance provider is intensely protective of its bottom line. Since it s under no legal obligation to cover every penny of your repair costs and medical bills, you ll need to fight hard to secure a fair settlement. You may be thinking about retaining a lawyer for this purpose. After all, personal-injury lawyers specialize in using the threat of legal action to force insurance companies and other parties to make fair payouts.

    However, personal-injury attorneys can be expensive. If you re able to secure a settlement from your insurance company, your lawyer will take a sizable cut of it. Depending upon the lawyer, this can amount to as much as 33 percent of your total settlement. This could eat into the size of your settlement and force you to take a loss on your post-accident outlays. In other words, you could still face financial ruin as a result of your accident. Of course, there s no guarantee that your insurance company will provide you with an adequate settlement in the absence of a lawyer. However, you may be able to secure a fair payout without having to compensate an attorney.

    If you want to obtain a settlement from your car insurance company without using a lawyer, you ll need to be persistent. In addition, you ll need to keep all of your medical invoices and vehicle-repair bills. You ll also need to keep bills for certain miscellaneous expenses like your rental car and tow truck. If your insurance company appears to be reticent to issue a payout or makes you an offensively low offer, you may need to compose a demand letter that clearly states your case and proposes a specific settlement amount. Since your insurer is legally obligated to respond to this letter, it will serve as the starting point for further negotiations .

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    MedSave Healthcare(TPA) Limited #small #claim #courts

    medsave tpa claim status

    About Med Save

    MedSave Healthcare (TPA) Ltd., a leading Third Party Administrator licensed by Insurance Regulatory and Development Authority of India (IRDAI), servicing Individual, Corporate and Government Mass policy for various insurance companies. Medsave is head-quartered in New Delhi, India and was established in the year 2002, it is a Joint Venture between Arcotech and Femi.

    Medsave Healthcare (TPA) Ltd. is an ISO 9001-2008 compliant company which has created a niche for itself with their clients through its unparalleled services. With its Pan India presence, MedSave caters to the Insured Persons, Insurance Companies and Healthcare Providers.

    We are working with network of hospitals and nursing homes in India numbering over 6500, spread across 182 cities. We have served over 60 million lives which makes us one of the leading TPAs in India. Our pan India comprises of domain expertise in Health Insurance, Medicine, Hospital Administration, Information technology, Customer relationship and management.

    Since inception, Medsave has worked tirelessly to bring smiles on the faces of masses by providing competent claim settlement.

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    Mukhyamantri Swasth Bima Yojana, Govt. of Uttarakhand scheme insured by UIIC. Know more

    MedSave Healthcare (TPA) Ltd. offer special privileges to its retail and corporate customers at no extra costs through selected partners. Know more