Migos Removed From Delta Flight, Manager Claims Racial Profiling – Variety, claims manager.#Claims #manager

Migos Removed From Delta Flight, Manager Claims Racial Profiling

Claims manager

Alex Stedman

Alex s Most Recent Stories

Claims manager

Rap trio Migos was removed from a Delta flight on Friday, just hours before a concert, and their manager is reportedly accusing the airline of racial profiling.

Migos were on a flight from Atlanta to Des Moines, Iowa, but the plane returned to the gate before it departed to drop off the trio. Their manager told TMZ, which first reported the news, that the three members of the group were in first class, and Takeoff s bag was on the ground and not in the overhead storage as required.

Delta said in a statement to Variety that the group was removed for a failure to follow crew member instructions and properly stow away their items in the overhead bins. Their manager, however, told TMZ that Takeoff failed to follow instructions and place his bag in the bin because he was asleep.

Delta flight 1532 from Atlanta to Des Moines returned to the gate, prior to departure, to deplane several customers seated in the First Class cabin who repeatedly refused to follow crew member instructions to buckle their seatbelts and stow carry-on items in the overhead bins, Delta said in its statement.

Delta added that Migos was rebooked for an alternate flight to Des Moines, which is scheduled to arrive shortly after 9 p.m.

A video of the incident obtained by TMZ shows a flight attendant and the rappers discussing the situation, with threats of a lawsuit leveled at Delta. Takeoff was reportedly the only one kicked off the flight, but Quavo and Offset, as well as their manager, also left in solidarity.

A rep for Migos confirmed the events of the TMZ report to Variety. The outlet also reports that Migos manager is accusing Delta of racial profiling in kicking the group off the plane.

What – s the Cost, Auto Appraisal – Valuation, Auto Damage Experts, diminished value claim florida.#Diminished #value #claim #florida

Diminished value claim florida

How much does it cost for a Diminished Value Report? Understandably, this is one of our most frequently asked questions and the most difficult to answer simply because the cost of a Diminished Value Report depends upon a number of factors that are unique to each individual situation and pricing of the service(s) may be based upon several factors. For example:

  • The nature and severity of the property s damages?
  • The location of the vehicle to be inspected
  • The type, age and condition of the vehicle
  • How much research will be required to establish an accurate pre-loss market value for the subject vehicle?

These are just some of the factors that can affect the cost of your individual report. The best way to determine the cost for your particular needs is to complete our convenient, online Inquiry Form and receive a free, no obligation consultation. When completing the form, please provide as much information as possible; upon receipt, we will contact you to discuss your particular needs, the recommended service(s) and their anticipated costs.

While many Diminished Value (DV) service providers are available today, they vary in the types and quality of services offered as they do in professionalism and credibility. As an example, there are some who offer an Internet based Diminished Value report with no inspection of the vehicle! It only makes common sense that one of the main factors in making a fair and proper valuation is to determine the pre-loss condition and value of the subject vehicle. What about the quality of the performed repair? How would the parties know if the vehicle was, or was not repaired properly? What if serious safety related flaws and defects, identifiable only by experts, remained, potentially placing the driver, their passengers and others on the roadway in harms way?

To resolve a claim for Diminished Value, in an efficient and equitable manner, the parties must select representatives with the knowledge required to ascertain and provide the required information in a succinct and convincing manner. Not knowing the pre-loss condition of a vehicle would be, at best, detrimental to the parties involved.

Be cautious! As in any profession, there are the best of the best, the worst and of course everything in between. It is vital to secure the services of true experts to assist you. When seeking a Diminished Value expert to assist you in such matters it would be wise to remember the age old adage: Cheaper is Rarely Better and Better is Rarely Cheaper .

Note: In most instances, the costs of Diminished Value appraisal services may be recoverable as part of your claim.

Whether an individual consumer, or a seasoned professional, one would be wise to seek and secure the services of the professionals whose work product has and continues to withstand scrutiny. We are ready to ADE you!

Whiplash During Low Speed Impact: Fact or Fraud, whiplash claim.#Whiplash #claim

Technology Associates Engineering Experts

Whiplash During Low Speed Impact: Fact or Fraud?

Low speed rear-end accidents resulting in claims of neck pain, or whiplash, are a common cause of litigation. As engineering, biomechanics and accident reconstruction experts, we have investigated many of these accidents, as well as the resulting claims of injury, for both plaintiffs and defendants. This article summarizes some of the primary issues encountered in these cases.

A car is stopped for a light when it is unexpectedly rear-ended by a vehicle from behind. It is not a hard impact and there is little or no damage to either vehicle, because the energy absorbing bumpers have protected them. Nevertheless, the passengers of the struck vehicle complain of neck, shoulder and back pain. The next day they allegedly experience even greater pain and visit a medical person who claims that they have been injured. Insurance claim representatives, attorneys, medical, engineering and biomedical experts are then brought in and various conflicting allegations, testimony and opinions are expressed. Do we have a legitimate injury claim on our hands or a situation of fraud? Insurance literature sources claim that 1/3 of such cases are fraudulent; yet, there is a body of research that indicates that low speed impact involving non-damaged vehicles can sometimes cause whiplash.

What are the scientific and medical issues involved? In the following, we shall briefly summarize them and explain what technical information is available to analyze such events.

What is the syndrome called whiplash ? Here is a brief description. A stopped car is struck by another vehicle from behind; the struck car and torsos of its passengers are thrown forward. However, the heads of the passengers lag behind for a fraction of a second, causing their necks to be hyper-extended (unduly strained as the torso flies forward while the head stays behind). As their torsos rebound against the seat backs, their heads now move forward, but are snapped back again, by their necks, and overshoot the torso, again causing the neck to be hyper-extended. This effect is most severe if the headrests are too low and set too far back, as they are in many cars. The whole occurrence takes less than a second.

Although the person experiencing this situation does not have overt signs of injury, the possible occurrence of soft tissue damage to the overstretched ligaments of the neck has been well documented. This damage may be permanent, causing chronic pain and limitation in neck movement, the full extent of which may not be apparent until about a day after the accident.

Unfortunately, the effects of whiplash are often downplayed, and its sufferer thought to be malingering, on the grounds that injury isn t visible. In addition, experiments have shown that the forces to the neck during whiplash are not much greater than those occurring during normal activities (e.g. plopping down into a seat , hopping onto a step , and even sneezing ). However, unlike whiplash, normal events do not take a person by surprise, so one can instinctively brace the neck muscles in anticipation, and control the force transmitted to the cervical soft tissues. With whiplash, the force to the neck is violent and sudden, and is not filtered through the neck musculature. Hence, those with thinner or weakened necks (i.e. women and those who have had prior neck injury) are more prone to the effects of whiplash, which can occur from an impact to the car as low as 3G s.Whiplash claim

A problem facing investigators of a whiplash case is that the impact velocity of the striking (rear) car is typically not known with certainty, and this value is needed for determining resulting forces. A conservative estimate of the speed can be surmised by using the damage threshold of the cars bumpers (because whiplash injury is caused by low speed impacts involving no (or minimal) damage to the bumpers; hence most of the shock is transmitted to the passengers necks). Testing has shown the damage threshold of bumpers of many cars to be about 5 mph; thus lash forces to the neck based on a maximum 5 mph impact velocity to the struck car. However, most crash testing involves the car impacting a rigid barrier, which does not yield in any way, rather than a relatively flexible bumper of another car. Hence, the crash testing can be more severe than an actual impact with another car, and can, in fact, be equivalent to the car s being struck with another car at up to twice the velocity used for the barrier test.

Testing has shown that the maximum loading to a rear-ended car was amplified about two and a half times when it reached the heads of the occupants. The testing also revealed that this occurred about a fourth of a second after impact.

The momentum and loading to cars which are involved in a rear-end impact (of low enough impact velocity so that there is no permanent deformation of the bumpers) can be fairly accurately modeled as a mass-spring system. This enables determination of the loading effects on the cars and heads of the occupants, by input of known quantities (masses of the cars, bumper stiffness, relative velocity between the cars at time of impact).

It is thus possible to determine the likelihood of a claim of whiplash injury being legitimate. Based upon how consistent all incident data is with available research findings and on using as precise a computer model as possible, an engineer with a proper dynamics and biomechanics background can help to determine the viability of a claim.

Been in a Car Wreck? Get Reimbursed for Lost Value – ABC News, diminished value claim florida.#Diminished #value #claim #florida


Yahoo!-ABC News Network | 2017 ABC News Internet Ventures. All rights reserved.

Car Wreck? Get Reimbursed for Lost Value


Here’s something I wish I had known about when another driver plowed into my car, a car that was only five months old: diminished value.

The other driver’s insurance company paid to fix my vehicle, but just the fact that it had been in an accident diminished its value. Rightly so. It was no longer as sound. One former general manager says his dealership used to automatically offer 30 percent less for a trade-in if it had frame damage.

Diminished value claim floridaPlay

But it wasn’t my fault. When I went to sell the car, the pros easily could tell that it had been wrecked and rebuilt. That other driver — or her insurance company — should have paid me for that. I couldn’t get as much for the car, so I didn’t have as much to put toward my next car.

Many people don’t think about the new, lower value of their vehicle in the aftermath of an accident. Instead, we just worry about how long it’s going to take for the body shop to fix the darn car so we can get back to our lives. If you have a newer vehicle or an expensive one, you must ask to be compensated for diminished value.

The insurance company won’t offer. Insurance companies try to avoid paying for diminished value.

Diminished value claim floridaPlay

It’s important to pursue a diminished value claim right away, because most states have a statute of limitations on property damage claims, often three years.

Most insurance contracts prevent you from making a diminished value claim against your own insurance company. Where you may succeed is by going after the other driver’s insurance company because you don’t have a contract with them. Plus, the whole point is that the accident wasn’t your fault, right?

If the other driver’s company resists, consider small claims court to collect diminished value. It should be a fairly easy case to prove: What was your car worth before the crash? How much less is it worth now because it was in an accident? You can also find a bunch of law firms online that specialize in getting people paid for diminished value.

Diminished value claim floridaPlay

Some of those firms estimate that the average value lost when a vehicle is in an accident is 33 percent. So let’s say your car is worth $14,990. (I know, $15,000 would be easier math, but I’m trying to think like a used car dealer!) If you succeed with your diminished value claim, that 33 percent difference becomes your savings. Take a look:

Why Diminished Value Matters

Ford Taurus value before accident: $14,990

Diminished value claim floridaPlay

Ford Taurus value after accident: $9,893

$5,097 is a meaningful amount of money that you deserve to put toward your next car. Pursue diminished value and you can SAVE BIG.

Make a diminished value claim, diminished value claim florida.#Diminished #value #claim #florida

How to make a diminished value claim

Diminished value claim florida Diminished value claim florida Diminished value claim florida Diminished value claim florida

The point of car insurance is to make you whole again after an accident.

But no matter how expertly repaired, a car with an accident history will likely be worth less than one without — even if the car looks as good as new and runs better than it ever has.

A car that has never been in a crash may be worth $15,000 at resale but thousands less if it has been in an accident and repaired. There’s a way to make up the difference: a diminished value claim.

Diminished value claim florida

Diminished value insurance claims allow car owners to recover the difference between a car’s pre-accident value and its value after repairs.

Don’t expect the insurance company to help.

Some car owners file on their own, but others hire a private company to document the lower value. If the insurance company resists, owners may have to take them to court.

“It’s definitely a challenge,” says Shane Fisher, an attorney in Winter Park, Fla. “You have to put up a fight.”

Before and after

If the accident was your fault, don’t expect to be able to claim diminished value against your own collision coverage. Few states — and few insurance contracts — allow it. The same applies to cars that are flooded but not totaled out; you typically can’t file for diminished value against your own coverage.

But if someone hits your car, nearly every state allows diminished value claims from an at-fault party’s insurance company. Even if the person who hit you is uninsured, about half of the states allow diminished-value collection on your own uninsured motorist property damage coverage.

Even so, “just because state law allows a diminished value claim doesn’t mean insurers are required to pay it,” says CarInsurance.com consumer analyst Penny Gusner. “Don’t expect the process to be easy.”

For a successful claim, you’ll need an appraisal of the car’s value both before the accident and after the repairs have been done.

“In the majority of cases it’s considered the vehicle owner’s responsibility to prove their loss,” says Richard Hixenbaugh, owner of Collision Claim Associates, a company that charges $300 to $400 to document a loss of value.

Making a diminished value insurance claim

An appraisal is the first step to a successful claim, even if you don’t plan to sell the car, Hixenbaugh says. The diminished value is based on how much less money the car would be worth if you were to sell it.

That loss in value can come because repairs did not restore the car adequately — mismatched paint, for example — or simply because the car’s history is now tainted. About 70 percent of used cars are sold to dealers, Hixenbaugh says, who will look up the history of a car to see if it has been in an accident. So, too, will many private buyers.

“No one is going to offer you more money because your car was in a major accident,” Gusner says.

You can get a pre-accident private party value from online resources such as Edmunds.com or Kelley Blue Book. Then you must document what your car is worth after the repairs have been done.

Fisher, the attorney, recommends getting a trade-in value letter from a car dealer stating that the lower value is due to previous damage done to the car, even though it has been repaired.

Now for the hard part

You will have to ask the other party’s insurance company to be compensated for the diminished value. You may have to ask more than once.

It’s a negotiation, Hixenbaugh says. Some insurers may maintain that there is no such thing as diminished value, or offer a token amount calculated by an industry formula.

Companies like Collision Claim Associates inspect cars, review repair documents, offer sample letters that drivers can submit to insurers, and advise owners on what to say to an insurer. About 75 percent of his company’s customers are successful in getting paid for their diminished value claim, though not always for the amount they’re seeking, he says.

Those unable to find satisfaction on their own or using an appraisal company may have to turn to the courts. Many claims may fall underneath your state’s small-claims threshold, allowing you to present your own case.

But for most people, the cost of an attorney doesn’t make sense, Fisher says, either because they’re driving older cars that are “rolling total losses” and aren’t worth much, or the claim is so small that it will get lost in legal fees. A car worth less than $10,000 isn’t worth filing a claim on or hiring a lawyer for, he estimates.

An expensive or almost-new car, though, may be worth the effort.

Calculating diminished value

Insurance companies use a formula called “17c” derived from its citation in a court case to figure out the monetary value of your car after a crash. Critics call it arbitrary and claim it undervalues cars. You ll benefit more from a higher diminished value, so it s wise to know how the insurer will arrive at its number, and how that compares to your own calculation of the value of the car if you were to sell it after a collision. If there s a big gap between the numbers, you may be able to negotiate a better deal.

To calculate diminished value using 17c formula

1. Look up the market value of your car at the NADA or Kelley Blue Book websites. You need the mileage, make, model and details about the damage to do this.

2. Apply a 10 percent cap to the value by multiplying the market value by .10. There is no documentation for why insurers apply this limit, which is why the 17c formula is controversial. At any rate, it sets the maximum amount your insurer will pay for your diminished value claim.

3. Multiply for damage. This does not take into account mechanical damage, just structural damage, which is another reason critics dislike the formula. Take the number you arrived at in step two, and multiply it by the following number that best describes the damage to your car:

  • 1: severe structural damage
  • .75: major damage to structure and panels
  • .50: moderate damage to structure and panels
  • .25: minor damage to structure and panels
  • 0: no structural damage or replaced

4. Deduct more of the value by applying mileage to the formula to get to the final 17c value. Of course mileage is already taken into account in the market value of your car, but insurers still handicap the car s value again with another mileage demerit. Multiply the number you arrived at in step three by the appropriate number from the list below to arrive at the final diminished value of your car using the 17c formula:

Calculating your car s actual value after a wreck

  1. To find the market value of your car after a wreck without using the insurance formula, again, start with the sales value of your car from NADA or Kelley Blue Book.
  2. Next, find similar cars with accident histories and find an average of, say, three or four. This is the post-accident value.
  3. Subtract the market value of the car with an accident history from the market value without any accidents to get your actual diminished value.

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Florida Diminished Value Claim: What the Insurance Companies Don – t Want You to Know, The Collision Law Center, diminished value claim florida.#Diminished #value #claim #florida

Florida Diminished Value Claim: What the Insurance Companies Don t Want You to Know

Florida diminished value laws are meant to protect the consumer and the insurance companies won t help. Here s what you need to know to get what you deserve.

You pay for car insurance so you still get the whole value of your car even after an accident. But if you think a check written to compensate for repairs is enough, you better think again!

If you want to get a fair and objective compensation for a car s lost value, you should file a Florida diminished value claim.

How Insurers Calculate Florida Diminished Value Claims

If you want an objective calculation of a car s diminished value, talk to a used car dealer or even a savvy private buyer.

Smart buyers want to get used cars for the lowest price possible. And they will look at everything the mileage, vehicle s age, and accident history to get an objective (and lower) resale price.

Insurance companies, however, use the 17c formula to calculate diminished value. It takes relevant factors into account. But the formula also puts an arbitrary 10% cap to slash payouts.

After an accident, you may get a check for $450 to cover the lost value of a $15,000-car. But then you decide to sell the car and found that it lost 40% of its value. Does a $450-payout for a $6,000-loss sound fair to you?

Does a $450-payout for a $6,000-loss sound fair to you?

A vehicle may lose even more value due to structural damage to its frame.

An insurance company may give you a long list of reasons for why and how they use the 17c formula. But whatever the reason, firmly say no.

Diminished value claim florida

Make Sure The Law Is On Your Side

Make sure the law is on your side before you even try to calculate a car s Florida diminished value claim. For starters, you shouldn t be at fault in the accident. The party at-fault s insurance company will compensate you.

For starters, you shouldn t be at fault in the accident. The party at-fault s insurance company will compensate you.

You can still push to be compensated for diminished value even if a property damage claim was settled.

Start With An Appraisal

Reselling is common for cars with an accident history. And the market is bustling with over 7 million used cars are resold in the US every year since 2012.

But even if you don t want to sell the car, an appraisal will give you a fair assessment on how much value the vehicle has lost.

You may even want to consider producing a trade-in value letter from the car dealer, one with lower value due to the accident and repairs.

File A Claim And Get Ready To Negotiate

The insurance adjuster is NOT your friend.

You want to be polite to the adjuster. But know that their job is to settle a claim for the lowest amount possible. Heck! They d nip your claim in the bud if they can.

Yes, some will even deny the existence of a diminished value claim. And if that fails, they ll drop back to the 17c formula to reduce the payout by a large margin.

If you want to fight for the fair amount, you better be prepared to negotiate and put up with multiple exchanges. The process is often long and tedious, and hiring a lawyer in Florida who specialize in car collisions and diminished value can help.

Not only will the right lawyer take care of much of the legwork in filing a claim. The attorney can also help you take the issue to the court if insurers refuse the claim.

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Saudi insurance premiums hit SR112bn in 5 years

RIYADH: Saudi insurance companies have announced plans to start new pricing procedures that provide a discount to policyholders who have no prior claims.

In accordance with SAMA instructions, insurance companies were requested to provide a no-claim policyholder with a discount when pricing mandatory individual motor insurance policies, provided that such a discount is applied to the base rate.

The new pricing regulations became effective on Saturday.

Adel Al-Eisa, official spokesman for insurance companies, said these instructions are to protect the insured and provide advantages for policyholders whose insurance records are free of claims. The new policy also promotes fair competition between insurance companies; ensure better insurance services at competitive prices; and more importantly, encourage everyone to drive more safely, and comply with traffic rules and regulations so that traffic-related deaths, physical injuries, disabilities and loss of properly can be greatly reduced.

“According to a recent study conducted by King Abdul Aziz University, traffic accidents caused 7,500 deaths, 68,000 injuries, and left 2,000 people handicapped with permanent disabilities. Additionally, the annual loss caused by car accidents is estimated to be SR18 billion. Unfortunately, most traffic accident victims are youths, and a firm stance is therefore required from everyone in society, including insurance companies,” Al-Eisa added.

He said the non-claimer discount is calculated based on the number of years a policyholder has not made a claim. Further, the discount could go up to 15 percent to be applied to the rates in force for insurance policies extending to one year with no claim being made, and it increases according to the number of years without a claim, going up to 30 percent for three years where no claim has been made.

The Insurance Executive Committee (IEC) has launched an awareness campaign “Safe Driving— Safety and Discounts.” In addition, the IEC has opened an official account on Twitter as a new and direct channel to communicate with customers of the insurance sector in Saudi Arabia @saudinsurance.

Al-Eisa also stressed the importance of all retail clients being aware of their rights, especially under the new law. He also asked them to access and understand the information available on this matter. In cases where a company fails to address and solve a filed complaint, promptly and within a reasonable timeframe, it is the client’s right under law to file a complaint with the consumer protection department at SAMA.

In case they suffer any breach of their rights, any unfair practices or any fraud, clients may exercise their rights under the regulations of SAMA by filing complaints with SAMA through any of the channels stated on the SAMA website.

“This is to ensure fairness, efficiency and transparency in all transactions for sectors that falls under the supervision of SAMA, and to ensure that the related statutory provisions are applied, since it is SAMA’s statuary obligation to protect all clients and stakeholders,” he said.

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Apply for a National Insurance number

You need to apply by phone for a National Insurance number.

National Insurance number application line

Telephone: 0345 600 0643

Textphone: 0345 600 0644

Monday to Friday, 8am to 6pm

Welsh language: 0345 602 1491

Monday to Friday, 8:30am to 5pm

To apply for benefits without a National Insurance number, contact Jobcentre Plus instead.

If you’re moving to the UK

You may have a National Insurance (NI) number printed on the back of your biometric residence permit (BRP). You don’t need to apply for a National Insurance number if you already have one, or one is printed on your BRP.

If you don’t have a National Insurance number, you must apply. You can only apply for it once you’re in the UK. You must have the right to work or study in the UK to get a National Insurance number.

Working without a National Insurance number

You can start work before your National Insurance number arrives if you can prove you can work in the UK. You should tell your employer that you’ve applied for one, and give it to them when you have it.

National Insurance number interview

Jobcentre Plus may write to you and ask you to come to an interview where you’ll be asked about your circumstances and why you need a National Insurance number.

The letter will also tell you which documents to bring to prove your identity, such as:

  • passport or identity card
  • residence permit
  • birth or adoption certificate
  • marriage or civil partnership certificate
  • driving licence

You’ll be told at the interview how long it’ll take to receive your National Insurance number.

If you change your address before you receive it, tell the Department for Work and Pensions by contacting the National Insurance number application line.

National Insurance number application line

Telephone: 0345 600 0643

Textphone: 0345 600 0644

Monday to Friday, 8am to 6pm

Welsh language: 0345 602 1491

Monday to Friday, 8:30am to 5pm

If you turned 16 and didn’t get a number

You should be sent a National Insurance number automatically just before your 16th birthday if you live in the UK.

If you didn’t get one, call the National Insurance number helpline if you’re under 20.

Call the National Insurance number application line if you’re over 20.

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How to File a Flood Insurance Claim (with Pictures), insurance claim number.#Insurance #claim #number

How to File a Flood Insurance Claim

When a disaster strikes your home, you may be feeling angry, scared, or confused. If you have flood insurance, you’ll need to file a claim with your insurance agent as quickly as possible. It’s important to file your claim immediately and have all the supporting documents/information on hand. Your policy can help you get monetary compensation for anything that was lost or damaged in your home when flooding occurred, provided you have flood coverage and follow the necessary steps. When circumstances are out of your control, filing a flood insurance claim can give you peace of mind as you repair or rebuild your home.

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How to File a Car Insurance Claim, Tips for Filing, What You Need – More, insurance claim number.#Insurance #claim #number

Tips For Filing A Car Insurance Claim

If you drive, chances are that you will eventually be in an accident or have another incident that damages your car. You will need to follow certain steps to file a claim with your car insurance company to get reimbursement.

Claim types include bodily injury claims for medical expenses and property damage claims to vehicle repairs and stolen property. Read on to find out how to file a car insurance claim.

When to File a Claim

Contact your car insurance company as soon as possible following a car collision. You may also need to file a claim if your vehicle is:

  • Vandalized.
  • Stolen.
  • Damaged from a non-accident-related event, such as fire or severe weather.

Your auto insurance agent’s or insurance company’s telephone number is listed on the front of your insurance card. However, you may also be able to find it online and in your actual policy documents.

Information You’ll Need

When you contact your company to file a claim, make sure to provide the following details:

  • Your full name and policy number.
  • The start and end date of your policy.
  • Date and time of the incident.
  • Names, addresses, and phone numbers of all drivers, passengers, and witnesses.
  • Driver’s license and license plate numbers for all drivers.

Your insurance company might also require you to complete a sworn statement that details the events of the auto accident (i.e. weather conditions, time of day or night that the incident occurred, etc.). Make sure also that you note any personal harm you notice and take photos of the damage.

Five Basic Steps of Filing a Claim

Once you contact the car insurance company, your case will go through the following steps.

  1. Case assignment to a professional at your car insurance company who will work on your claim.
  2. Meeting with your claims professional to discuss your coverages and the situation.
  3. Evaluation by your claims professional, which can include inspecting your car, examining evidence of any injury claims, and an initial payment.
  4. Resolution of the case, including payments as appropriate.
  5. Closing of the case.

Since you are responsible for protecting your own property, your car insurance company may require you to make temporary fixes to your car while you are waiting for car repairs. These can help prevent further damage. However, be sure not to make permanent repairs before you are approved, because these may not be reimbursed.

Make sure to keep receipts for expenses as you fix your car and seek medical treatment.

Hiring an Attorney

In some cases, you might consider bringing in the counsel of an attorney who specializes in accident claims. They may be able to expedite the process.

Coverage for Bodily Injury Claims

If you are not at fault for the accident, you’ll typically be covered by the other driver’s bodily injury liability coverage. However, if you live in a no-fault state, you may pay for your injuries through your own personal injury protection (PIP) coverage.

Other optional medical coverages that will help pay for your injuries include:

  • Medical payments coverage – Helps pay for funeral costs, injuries suffered by your passengers, injuries to you if a car hits you while you are walking or biking, and necessary dental care resulting from a car accident.
  • Uninsured/underinsured motorist coverage – Pays for injuries sustained in an accident with a driver who has no or too little insurance to cover your costs.

Before purchasing optional medical coverage or raising your minimum deductible, consider using your own health insurance to cover all or part of your injuries.

For more information, visit our Medical Coverages page.

Handling a Bodily Injury Claim

When you are hurt in a car accident, there are certain steps that can make the process of dealing with a personal injury claim easier. Remember to:

  • Take photos of the scene and your injuries.
  • File a police report and request a copy.
  • Visit a doctor immediately.
  • Write down everything related to your injury, including any work time or activities you may have missed due to the injury.
    • This is necessary if you’re going to file a lost wages claim.
  • Hire an attorney, if necessary.

Finally, remember to never admit fault at the scene.

For more information on how to ensure you handle an injury-causing accident properly, visit our page on the first steps after a personal injury accident.

Property Damage Claims

Your ability to file a claim for vehicle repairs depends on the cause of the damage and the coverages that you have.

Liability property damage coverage, which is required in many states, does not cover your own car. It will only pay for the damages you cause to another driver’s vehicle in an accident that you cause.

The two major coverage types that pay for damage to your vehicle include:

  • Collision coverage, which pays for damages to your vehicle after a collision.
  • Comprehensive coverage, which will cover damages to your car occurring from events that aren’t related to accidents.
    • Examples include vandalism and severe weather.

Other coverages that will cover property damage include:

  • Uninsured and underinsured motorist property damage coverage to get you reimbursement if you are in an accident and the driver that hit you does not have insurance.
  • Gap insurance coverage to cover the difference if you have a car loan or are leasing your car, and it is declared a total loss.
  • Windshield or glass coverage to replace or repair a windshield, mirror, or window that is damaged in an incident other than a collision.

For more information, see our Vehicle Coverages page.

Handling a Property Damage Claim

When you file a physical damage claim, an insurance adjuster will inspect your vehicle and estimate how much it will cost to repair the damage. You will then receive a check from the insurance company that takes into account the auto deductible you have chosen for your policy.

If your vehicle has been damaged, follow these steps in order to have your car insurance claim processed effectively:

  • Report the damage to your vehicle to your insurance company immediately.
    • Depending upon your insurance company’s policies, you can do this online, by calling your insurance agent during regular business hours, or by calling the company’s claims division.
  • If another driver was involved, exchange insurance information.
  • Allow your insurance company to inspect the vehicle before repairs are made.
  • Protect the vehicle so no further damages are caused and losses are limited.
    • For example, if the accident causes the fender to rub against the vehicle tire, you should have this repair made immediately so the tire is not further damaged. If you don’t make the repair, your car insurance company can refuse to pay for any additional damages.
  • Save all receipts and any other documentation you receive to give to your insurance company as part of your claim.
  • Provide any requested information the insurance company needs as part of its investigation. If you refuse to cooperate, your claim could be denied.

Making smart decisions about how to move forward with your claim, and making sure you document all damage, will go a long way toward a fast and smooth settlement of your claim.

Filing a Flood Insurance Claim, filing disability claim.#Filing #disability #claim

Filing a Flood Insurance Claim

Filing a Flood Insurance Claim

If you have experienced a flood, you can file your flood insurance claim by following these three steps.


After experiencing a flood, contact your agent or insurance company to file a claim. Make sure you have the following information handy:

The name of your insurance company

Your policy number

A telephone and/or email address where you can be reached at all times

An adjuster should contact you within a few days of filing your claim. If you do not hear from an adjuster, you can contact your insurance agent or company again.


Separate damaged from undamaged property. Your adjuster will need evidence of the damage to your home and possessions to prepare your repair estimate.

Take photographs of all of the damaged property, including discarded objects, structural damage, and standing floodwater levels.

Make a list of damaged or lost items and include their date of purchase, value, and receipts, if possible.

Officials may require disposal of damaged items so, if possible, place flooded items outside of the home.


Your adjuster will assist you in preparing a Proof of Loss (which is your sworn statement of the amount you are claiming including necessary supporting documentation) for your official claim for damages. A Proof of Loss can be many things, but must contain the specific details set forth in the Standard Flood Insurance Policy. You’ll need to file your Proof of Loss with your insurance company within 60 days of the flood. This document substantiates the insurance claim and is required before the National Flood Insurance Program (NFIP) or insurance company can make payment.

You’ll receive your claim payment after you and the insurer agree on the amount of damages and the insurer has your complete, accurate, and signed Proof of Loss. If major catastrophic flooding occurs, it may take longer to process claims and make payments because of the sheer number of claims submitted.

Filing a Claim, filing disability claim.#Filing #disability #claim

Filing a Claim – The Claim Process

This section provides a step-by-step summary of the Unemployment Insurance (UI) claim process.

  1. Employers may provide a copy of the booklet, For Your Benefit: California s Programs for the Unemployed (DE 2320) to employees who are unemployed. The UI Code, Section 1089 requires employers to provide the booklet.
  2. The individual files a claim for UI benefits using one of the following methods:
    • Access eApply4UI:

Answers to questions are entered online. After the application is completed the individual submits it online to the Department. Note: This is the fastest way to file your claim.

  • Contact EDD by phone:

    Individuals will speak to a Department representative who will ask a series of questions and record the responses.

  • Complete a paper UI Application, DE 1101I:

    The application can be completed online and printed, or it can be printed and completed by hand. The application can then be faxed or mailed to the EDD for processing using the fax number or mailing address on the application.

  • Note: To reopen an existing claim, use UI Online SM , the fastest and most intuitive way to reopen your claim. Access your UI Online account and select Reopen Your Claim and answer all of the questions.

  • The Department representative files the claim and the following documents are mailed:

    * Unless the claimant is participating in a Partial or Work Sharing Program.

    • Notice of Unemployment Insurance Claim Filed (DE 1101CZ)

    For more information about the UI claim filing process, review the following web pages:

    • Need More Information: Lists the items and information you should have available in order to start filing your claim.
    • After You’ve Filed – Phone Interview: Provides information about what you can expect when the EDD conducts an interview about eligibility issues.
    • Contact UI: Provides contact information for the UI program, such as toll-free phone numbers and other contact information.
    • UI Frequently Asked Questions: Frequently asked questions about the Unemployment Insurance Program.

  • Unemployment Insurance – Filing Weekly or Bi-Weekly Claim Certifications, filing disability claim.#Filing #disability #claim

    Unemployment Insurance

    How Do I File My Weekly or Bi-Weekly Claim Certifications?

    File your weekly or bi-weekly claim certifications online at http://uiclaims.hawaii.gov. If you do not have Internet connection, go to your local claims office to use the computer kiosks or visit any public library and request to use their Internet computers to access the UI claims filing Web site.

    What Weekending Date(s) Do I File For?

    Unless otherwise specified, a “week” means a calendar week that starts on Sunday and ends on Saturday. A week claimed is referred to by the week ending date or the Saturday of that week.

    Once you file a new claim or reactivate an unexpired claim, you must certify weekly or biweekly to request UI payments. Your confirmation page or e-mail confirmation will have a link to download your weekly/biweekly filing schedule. Check the “Claim Inquiry” feature or “My Claim Status” to verify your prior claim certification(s) and when the claim certification(s) are due. Record your claim certifications filed and payments on a calendar.

    Note: If you stop filing claims for two or more consecutive weeks, you must reactivate your claim to resume filing (exception: partial claims). Only claims filed after the reactivation are properly filed so any prior weeks may be denied. (See Additional Claim or Reopened Claim.)

    For weekly filing, you certify for the past Sunday to Saturday period. The claim must be filed within seven days from the end of the certification period or benefits may be denied for late filing.

    Example A: You are filing for the one week period ending on Saturday, 8/23 (week began on Sunday, 8/17). You have seven days, 8/24 through 8/30 (shown in gray) to timely file your claim certification.

    Filing disability claim

    When filing biweekly, you are certifying for the prior two weeks that started on Sunday in the first week and ends on Saturday in the second week. The claim must be filed within seven days from the end of the two week period or benefits may be denied for late filing.

    Example B: You are filing for the two-week period from Sunday, 8/10 thru Saturday, 8/23. You have seven days, 8/24 through 8/30 (shown in gray) to timely file your bi-weekly claim certification.

    Filing disability claim

    IMPORTANT: When you file for a bi-weekly period, you must file for each week separately. You should start with the first week, answer all questions relating to the first week, and submit. Continue the same process for the second week. You must file for both the first week and the second week to get paid for two weeks.

    Denied Veterans Claim Advocates, Veterans Disability Services, VA Disability Benefits Denied, filing disability claim.#Filing #disability #claim

    Advocates Representing Veterans and Their Families to Obtain VA Disability Benefits

    Claim denied! Millions of veterans have received this response to their claims for VA disability benefits. If you are one of them, don’t give up. You may have more options than you think.

    One of the best options is to turn your troubles over to a VA-accredited claims agent from The Rep For VetsВ®. Claims agents are dedicated to representing veterans in the struggle to obtain VA disability benefits. They know just how challenging the veterans disability process can be for clients, so they take care of everything for you. They pick you up when the VA lets you down.

    As you’ve undoubtedly realized by now, the VA claims process can take a long time and can often end in disappointment. Because the Department of Veterans Affairs focuses on getting decisions out to veterans as quickly as possible, they often make mistakes. Sometimes denials are based on insufficient medical evidence. Sometimes claims are erroneously denied when they should have been approved.

    At The Rep For VetsВ®, our claims agents are aware of the most common errors made by rating specialists at the VA regional offices. When filing an appeal, our claims agents look for these errors.

    The benefits of filing an appeal: If your initial application has been denied, it is better to file an appeal rather than a new application. When you file a new application, you lose out on retroactive benefits to which you may be entitled. Instead of getting benefits that could date back to the start of the process, you may only receive benefits dating back to the filing of the second application.

    Don’t Ever Give Up

    Our claims agents have a simple message for you: Please do not give up on your claims for benefits. Many claims are denied for the wrong reasons, and giving up the fight too soon may mean that you and your family lose out on compensation you deserve. At The Rep For VetsВ®, our claims agents will continue the fight for you.

    Were you denied your claim for service connection? Was your recent VA disability compensation award simply not enough? Many veterans in such situations consult attorneys or advocates, but the VA-accredited claims agents at The Rep for VetsВ® may be your best option. Let them help you receive the benefits to which you are entitled. Call 888-573-7838 for a free initial consultation. You can also complete the online contact form to talk about a denied claim.

    First Steps in a Personal Injury Claim, claim for personal injury.#Claim #for #personal #injury

    First Steps in a Personal Injury Claim

    The time just after you have been injured in a slip and fall or accident can often be a confusing and stressful. First an foremost, look after your health. But when you are ready, you can begin thinking about pursuing a personal injury claim for your injuries. Here are some frequently asked questions about the first steps in a personal injury claim.

    I was hurt in an accident. What should I do first?

    As mentioned in the introduction, the first thing that you should always do after being injured in an accident to look after your health. However, if you have already done this, then there are a number of steps that you can take that will help preserve your right to file a claim for your personal injuries. These steps are valid in most situations and there is no right order to take (note: if you need to file a claim against the government or a government agency, there are other specific steps that should be taken).

    • Collect evidence that can point to who caused the accident, as well as the damage caused by the accident. Photographs are useful here.
    • Write down everything that has happened to you after the accident. This may include things like medical bills, hospital visits, any lost work or wages, etc.
    • Be sure to get the names and contact information of any witnesses that may have observed the accident. Contact these people to confirm their contact information.
    • If you speak to other people that were involved in the accident, be sure to take notes about your conversation.
    • Tell anyone that you may file suit against that you are planning on filing a claim for your injuries and property damage.

    How long do I have to notify a person that I am filing a claim for my personal injury?

    If you are planning on filing suit against an individual or some other entity that is not the government or a government agency, there is not set time limit in which you have to notify that person of your intention to file a lawsuit. However, this does not mean that you should take your time with the matter. By acting quickly and efficiently, you will probably increase your chances of resolving your claim faster than if you delay.

    It is good to keep in mind that even though you notify people of your intent to file a lawsuit, this does not mean that you must file a lawsuit. By giving notice, you only preserve your rights and prevent the other parties from defending against a lawsuit by arguing that you waited too long to inform them of your injuries. By notifying the other parties, you simply ensure that you can proceed with negotiations regarding settlement and arbitration at your own speed, without feeling rushed.

    Is there a time limit in which I have to file my lawsuit to be compensated for my injuries?

    Yes. Settling a personal injury claim can be time consuming, and if you fail to file your claim in a timely manner, you may be completely out of luck in collecting any sort of compensation. There are laws on the books called statutes of limitations that give the maximum time you have to bring certain types of lawsuits. If this time period passes you up, you may be barred from ever bringing suit to recover for your injuries. You should always check on your state’s statute of limitations for your type of claim to ensure that the time period does not pass you by.

    How soon do I have to file a claim against the government for my personal injury?

    Unlike filing a claim against an individual or a company, if you need to file a claim against the government or a government agency or employee, you have a limited amount of time in which you must file a claim. Depending upon your type of case and the state you live in, this time period usually ranges between 30 days and one year. If you do not abide by these timelines, you may lose your right to recover any sort of compensation for your injuries or property damage.

    Get a Free Case Review Today

    Injuries cost money, including medical bills and time away from work, which is why it makes sense to have an attorney help you with your claim. But if you’re not quite sure whether you need professional legal help after an injury, have a lawyer review your claim first at no charge. Then, if you decide you have a claim you want to pursue, you can take that next step.

    Bankers Life and Casualty Medicare Insurance Claim, File a Claim Form Online, medicare claim.#Medicare #claim

    Bankers Life and Casualty Medicare Insurance Claim

    If you need to start the claims process for your Bankers Life and Casualty Medicare Supplement plan, download and print out the claim form here http://www.bankerslifeandcasualty.com/CPLBankersMedSupp/pdf/CPL_MedSupp_Claim_Form.pdf. Send the completed claim form to:

    Colonial Penn Life Insurance Company

    Carmel, IN 46082-1935

    You can also call the claims department at 1-800-800-2254. All Medicare Supplement claims are processed through Colonial Penn Life because Colonial underwrites and issues all Medicare Supplement policies from Bankers Life and Casualty.

    For all other claims outside of the Medicare Supplement policy, contact the claims department at 1-800-773-4760

    About A Bankers Life and Casualty Medicare Insurance Health Plan

    All payment details for your Bankers Life and Casualty Medicare Insurance plan will be discussed before you sign the final policy paperwork. There is no mention of payment details on the Bankers Life website, and there’s no means of logging in to your account online. You must contact the customer service department for more information on payments at 1-800-654-3072.

    Coverage Details

    • Medicare Supplement: The Medicare Supplement plan is there to help Medicare recipients afford the care they need. For Bankers Life and Casualty, the plan is underwritten by Colonial Penn Life Insurance. Bankers Life and Casualty Medicare plan details can be discussed with an agent in your state. Call 1-800-800-2254 to locate a local agent.
    • Medicare Advantage: Also referred to as Medicare Plan C, the Bankers Life and Casualty Medicare Advantage Plan works in lieu of Medicare coverage. The plan must cover everything Medicare covers, aside from hospice care, but the details of coverage may be different. It is extremely important to Read all detailed information on the plan before signing up. Learn more about Medicare Advantage Part C here http://www.medicare.gov/navigation/medicare-basics/medicare-benefits/part-c.aspx.
    • Medicare Prescription Plan: Bankers Life and Casualty does not offer Medicare Prescription coverage directly, but they do offer coverage through a plan designed by Coventry Health Care. Details of the prescription coverage plan differ by state. You can download your coverage details here http://www.bankerslifeandcasualty.com/MMA.aspx.

    Where to Get a Quote: Bankers Life and Casualty Medicare Insurance Contact Info Login

    Contact information for the Bankers Life and Casualty Medicare Insurance includes phone, email and mail.

    By phone: Depending on the reason for your call, contact the Bankers Life and Casualty Medicare department designed to handle your call.

    Health inquiries (non-claim questions): 1-800-654-3072

    Health inquiries (claim questions): 1-800-773-4760

    By email: Fill out the contact form at https://www.bankerslifeandcasualty.com/ContactUs-Email.aspx to contact customer service about your Medicare insurance policy.

    Bankers Life and Casualty

    600 West Chicago Ave

    Chicago, IL 60654-2800

    Check on your claim status: Call 1-800-773-4760 with all claims questions. If you were given a claim number, have that number handy when calling.

    The symptoms of whiplash and how to claim compensation for an injury in the UK – Mirror Online, whiplash claim.#Whiplash #claim

    The symptoms of whiplash and how to claim compensation for an injury in the UK

    Whiplash is suffered by hundreds of road accident victims every single day. If it happens to you, the law says you are entitled compensation

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    • 09:40, 24 OCT 2017
    • Updated 09:43, 24 OCT 2017
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    Whiplash is suffered by hundreds of road accident victims every single day. If it happens to you, the law says you are entitled compensation

    Many of us don’t realise the severity of whiplash and the impact leave on a person’s life.

    There really are quite a few different ways to suffer from this elusive injury. Some can leave you feeling the pain for days, others months, and some never really go away.

    What is whiplash?

    Whiplash is often referred to as a neck sprain or neck strain. It is an injury to the soft tissues of the neck and back and is defined as an injury caused by a severe jerk to the head, typically in a car accident. It’s common in urban traffic accidents, and while symptoms can take 6-12 hours to develop, they could keep getting worse for several days.

    What is the most common cause of whiplash?

    The most common cause of whiplash is a rear shunt car accident where one vehicle runs into the back of another. Whiplash can occur at an accident of any speed, and even happen at speeds as low as 5 to 8.

    Greater injury can occur if a person’s head is turned at the time of impact or if they are surprised and unprepared for the collision. A history of neck injury may also contribute to increased whiplash pain. The amount of pain a person suffers after an accident is complicated by that individual’s susceptibility to injury-which can be difficult to predict.

    Whiplash claim

    What are the symptoms?

    • Stiffness in the neck- soreness and difficulty moving the neck, especially when trying to turn the head to the side.
    • Blurred vision- a lack of sharpness of vision resulting in the inability to see fine detail.
    • Headaches- a tightening around the head and neck, followed by aches.
    • Lower back pain- any pain between the bottom of your ribcage down to the top of your legs.
    • Dizziness- a sensation of spinning and losing one’s balance.
    • Ringing in the ears (tinnitus)
    • Sleep disturbances
    • Irritability
    • Tingling or numbness in the arms
    • Difficulty concentrating

    Take the 30-second test below and find out how much you could be entitled to.

    How to treat whiplash?

    If you’ve been injured, you should seek the advice of a medical professional. Most whiplash symptoms of the back and neck can be treated with ‘over the counter’ painkillers and ice to reduce pain, swelling, and muscle spasms.

    Whiplash claim

    How long does whiplash last?

    Whiplash generally only lasts a few days, but can last more than a year in severe cases.

    Read More

    Personal injury claims

    Whiplash claim

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    Whiplash claim

    Can whiplash come back?

    Like any injury, whiplash pain can reoccur. However, with the right treatment and care you should expect to make a full and permanent recovery.

    What is the average whiplash payout?

    There are many factors which are taken into account when whiplash compensation is being calculated.

    Looking to claim?

    If you want to know how Accident Advice Helpline can help you, click here to see how to start your personal injury claim or call:

    A False Claim of a Medicare Change, medicare claim.#Medicare #claim

    A False Claim of a Medicare Change

    Q: Does the Affordable Care Act require Medicare beneficiaries over age 75 to be admitted to the hospital by their primary care physician?

    Can this possibly be true?

    Subject: MEDICARE AT AGE 76

    Hope all of you who count of Medicare to take care of you into your golden years have a back-up plan.

    If you don t read this, and do nothing about it, don t complain when it affects you or your loved ones.

    This is the second Judge to have read the Obama Care document and made comments. More highlights of Nancy s pass it and then find out what s in the bill .

    Show this to everyone nearing the ripe old age of 76. These are just a few of the things that we Seniors are going to have to deal with starting in 2014. Even far left Democrats will not like these.


    THIS should be read by everyone, especially important to those over 75 . If you are younger, then it may apply to your parents .

    Your hospital Medicare admittance has just changed under Obama Care. You must be admitted by your primary Physician in order for Medicare to pay for it! If you are admitted by an emergency room doctor it is treated as outpatient care where hospital costs are not covered. This is only the tip of the iceberg for Obama Care. Just wait to see what happens in this year and 2014!

    YOU ARE NOT GOING TO LIKE THIS At age 76 when you most need it most, you are not eligible for cancer treatment * see page 272. What Nancy Pelosi didn t want us to know until after the healthcare bill was passed.

    Remember she said, We have to pass the Bill so that we can see what s in it. Well, here it is.

    Obama Care Highlighted by Page Number THE CARE BILL HB 3200 JUDGE KITHIL IS THE 2ND OFFICIAL WHO HAS OUTLINED THESE PARTS OF THE CARE BILL. Judge Kithil of Marble Falls, TX highlighted the most egregious pages of HB3200. Please read this . especially the reference to pages 58 59, JUDGE KITHIL wrote:

    ** Page 50/section 152: The bill will provide insurance to all non-U.S. residents, even if they are here illegally.

    ** Page 58 and 59: The government will have real-time access to an individual s bank account and will have the authority to make electronic fund transfers from those accounts.

    ** Page 65/section 164: The plan will be subsidized (by the government) for all union members, union retirees and for community organizations (such as the Association of Community Organizations for Reform Now ACORN)

    ** Page 203/line 14-15: The tax imposed under this section will not be treated as a tax. (How could anybody in their right mind come up with that?)

    ** Page 241 and 253: Doctors will all be paid the same regardless of specialty, and the government will set all doctors fees.

    ** Page 272. section 1145: Cancer hospital will ration care according to the patient s age.

    ** Page 317 and 321: The government will impose a prohibition on hospital expansion; however, communities may petition for an exception.

    ** Page 425, line 4-12: The government mandates advance-care planning consultations. Those on Social Security will be required to attend an end-of-life planning seminar every five years. (Death counseling..)

    ** Page 429, line 13-25: The government will specify which doctors can write an end-of-life order.

    HAD ENOUGH. Judge Kithil then goes on to identify: Finally, it is specifically stated that this bill will not apply to members of Congress.

    No wonder they did not see the need to read it .doesn t apply to them. THE AMERICAN PEOPLE NEED TO STAND UP TO WASHINGTON . I don t know if we can do anything, but awareness helps.

    Winds Of Change Warren Buffet is asking each addressee to forward this email to a minimum of twenty people on their address list; in turn ask each of those to do likewise. At least 20 if you can. It has to stop somewhere.

    In three days, most people in The United States of America will have this message. This is one idea that really should be passed around . . .

    Perhaps you ve heard this one about a change in Medicare affecting seniors over 75:

    Chain email : Your hospital Medicare admittance has just changed under ObamaCare. You must be admitted by your primary physician in order for Medicare to pay for it! If you are admitted by an emergency room doctor it is treated as outpatient care where hospital costs are not covered.

    It s a claim attached to the Judge Kithil chain email that just won t die. But this claim like many others in the chain email above is wrong.

    I can say without hesitation this is false, said Andrea Callow, a policy attorney for the nonpartisan Center for Medicare Advocacy, in an email to FactCheck.org.

    Callow wrote that nothing in the Affordable Care Act contains a requirement that a primary care physician admit a patient if they are 76 or older. She said Medicare coverage for hospital care is based on the Social Security Act s criteria for Medicare Parts A and B, as well as rules and guidance from the Centers for Medicare Medicaid Services.

    There is nothing about age or PCP vs. ED doctor in the law that affects a beneficiary’s Medicare coverage, Callow wrote, referring to a primary care physician and emergency department doctor.

    In addition, a spokesman for the Centers for Medicare Medicaid Services told us that we know of no such provision in the ACA that required this.

    Indeed, the Medicare.gov website says that Medicare Part A covers hospital services when a doctor makes an official order saying you need inpatient hospital care for treatment. The website does not say that it has to be your primary care physician, as the email says.

    Furthermore, CMS issued guidance on Hospital Inpatient Admission Order and Certification on Jan. 30. It covers how to submit an order for inpatient services for someone, as well as who may submit the order, as a condition of payment under Medicare Part A. The guidance does not say that a primary care physician must make the order, either.

    We re not sure how this particular claim came about, but it s not the first time we ve heard of problems the Affordable Care Act supposedly creates for those over the age of 75.

    In 2012, we wrote about a bogus claim that under the health care law no one over 75 will be given major medical procedures unless approved by locally administered Ethics Panels.

    And the same email claiming that primary care physicians must admit patients to hospitals in order for Medicare to cover costs also says that, because of the ACA, at age 76 when you most need it most, you are not eligible for cancer treatment. That s also not true.

    That inaccurate claim was based on a misreading of H.R. 3200, an old House health care bill from 2009 that did not become law. David Kithil, a former judge in Burnet County, Texas, made the claim that cancer hospitals will ration care according to the patient s age in a letter he had published in the River Cities Daily Tribune. He cited page 272 of the bill to support his claim about rationed cancer treatments.

    But as we wrote in a lengthy analysis debunking several of the claims made in Kithil s letter and elsewhere, page 272 of the bill merely called for a study of whether a certain class of hospitals incur higher costs than some others for the cancer care they deliver. The bill actually would ve allowed Medicare to pay those hospitals more for their higher costs. There was no mention of denying cancer treatments for those over 75 or otherwise.

    Versions of Kithil s long since outdated letter have been forwarded widely for nearly five years now. Even he says it s not accurate and he wishes it would just die.

    Callow, of the Center for Medicare Advocacy, thinks the bogus claim about Medicare patients needing to be admitted by primary care physicians stems from a long-standing concern about how Medicare bills patients classified as outpatients even though they stay overnight for observation services.

    Your hospital status (whether the hospital considers you an inpatient or outpatient ) affects how much you pay for hospital services (like X-rays, drugs, and lab tests) and may also affect whether Medicare will cover care you get in a skilled nursing facility, the Centers for Medicare Medicaid Services warns in a pamphlet that urges Medicare patients to clarify their status within hours of arriving at the hospital.

    Callow said the issue concerning observation care, which her organization has followed since at least 2000, also has nothing to do with the Affordable Care Act, or which physician is responsible for admitting the patient.

    If I had to wager a bet, I would say the original Judge Kithil email got jumbled with some information on observation status and this is what came out, she said.

    Medicare denial codes, reason, action and Medical billing appeal, medicare claim.#Medicare #claim

    Medicare denial codes, reason, action and Medical billing appeal

    Medicare denial codes, reason, remark and adjustment codes.Medicare, UHC, BCBS, Medicaid denial codes and insurance appeal. Sample appeal letter for denial claim. CO, PR and OA denial reason codes codes.


    Medicare claim

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    Wheelchair CPT code list

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    Friday, September 8, 2017

    Getting Authorization for inpatient hospital visit


    Reconsiderations The attending physician/dentist or the hospital may request reconsideration of the adverse determination of the ACRC regarding the need for admission, readmission, transfer, or continued stay. This reconsideration right applies regardless of the current hospitalization status of the beneficiary. Reconsiderations must be requested within three business days of the adverse determination. (Refer to the Directory Appendix for ACRC contact information.) If requested by the ACRC, the provider must provide written documentation. The provider is notified of the reconsideration decision within one business day of receipt of the request or the date of receipt of written documentation. If the initial adverse determination is overturned, the adverse determination is considered null and void. If the initial adverse determination is upheld or is modified in such a manner that some portion of the hospital care is not authorized, the hospital is liable for the cost of care provided from the date of the initial determination, unless this determination is overturned in the Medicaid appeals

    If the ACRC does not authorize the admission or the continued stay for an admission and the beneficiary remains in the hospital for one or more days after Medicaid payment is not authorized, the hospital is at risk of Medicaid nonpayment for those days. The provider may request post-discharge review by the ACRC, regardless of whether reconsideration was requested on the case, in writing within 30 calendar days of the discharge from the hospital. A copy of the medical record must accompany the post-discharge review request.

    case is in the reconsideration, post-discharge review, or formal appeals process. Submission of such a claim does not imply acceptance of the ACRC determination.


    ** Medicaid beneficiaries enrolled in a Medicaid Health Plan (MHP). (Authorization must be obtained through the MHP.)

    LucasFilm Tells Darth Vader that Return of the Jedi Hasn – t Made a Profit, equity red star claims.#Equity #red #star #claims

    LucasFilm Tells Darth Vader that Return of the Jedi Hasn t Made a Profit!?

    Posted on Sunday, April 5th, 2009 by Peter Sciretta

    Equity red star claims

    During an interview with Equity Magazine, David Prowse, the actor who played (but didn t voice) Darth Vader in the original Star Wars trilogy, claims that LucasFilm has yet to pay him any residual payments on Return of the Jedi because the the film has yet to make a profit.

    I get these occasional letters from Lucasfilm saying that we regret to inform you that as Return of the Jedi has never gone into profit, we ve got nothing to send you. Now here we’re talking about one of the biggest releases of all time, said Prowse. I don’t want to look like I’m bitching about it,” he said, “but on the other hand, if there s a pot of gold somewhere that I ought to be having a share of, I would like to see it.

    Of course, Return of the Jedi has grossed over $572 million worldwide, which includes an estimated $88 million when the film was re-released in 1997. So how is it possible that the film has yet to make a profit? Prowse really can t be serious, can he?

    TimesOnline contacted LucasFilm about the story but the company declined to comment as a matter of policy. In the interview, Prowse warns young actors to know exactly what kind of contracts they are signing:

    There is a big difference between having a share of the gross profit and having a share of the net profit. It is a huge difference in just one word. Sometimes, with net profit, with all the expenses and so on, it seems like you end up paying them.

    Hollywood contracts are notoriously one-sided, but I m pretty sure Prowse must be mistaken about that letter and what might be owed to him for Return of the Jedi, right?

    /Film reader Seth posted the following in the comments:

    Gross profit is what you get if you are a big enough actor or producer to demand this. You get a percentage of profit based on the gross of the film how much it makes before any costs. Therefore, you are guaranteed to get paid since the studio can t hide anything. Very few people can demand gross points. But if you have them and your film hits big, you make millions. In fact, this can be so profitable you will sometimes see big stars forgo any salary at all except union minimum just to get these points.

    Unfortunately, Mr. Prowse relates what is almost universally the case with a net profit clause. Studios almost never pay on this clause, as they claim nearly any and every expense possible to keep the film from showing any actual profit. Very few films have ever shown a net profit on the books.

    How do they do this? Well first, imagine that George Lucas decided to go to New York tomorrow to talk about showing Return of the Jedi in 3D. And he stayed at the Ritz Carlton, ordered sushi at 3 a.m. from room service and used the hotel phone to call Bahrain to make prank calls.

    Well, 26 years after the release of the film, the accountants at Lucasfilm are going to charge $86,000 to the costs of Return of the Jedi. I am NOT joking. This is what they do. If George Lucas utters the words Star Wars and he s spending money, they re putting it on the red line for one of those films.

    On the flipside, Mr. Prowse would be wise to use the FORCE, aka a lawyer, to get Lucasfilm to cough up. You see, as you can tell by the above, the accounting is utter bullshit. And on a film like Return of the Jedi, Lucasfilm would be extremely reluctant to open its books in open court. Extremely reluctant because of how incredibly embarrassed studios have been in the past when they have made the mistake of doing this. Plus, the ensuing publicity would be embarrassing to Lucasfilm. Can you imagine the hedlines if Darth Vader sued George Lucas?

    In short, if you have net participation on a film that has grossed hundreds of millions, you may get some dough, but you ll have to sue to get it.

    Equity red star claimsComment Now!

    2017 Emmy Nominations: Complete List of Nominees, E! News, equity red star claims.#Equity #red #star #claims

    2017 Emmy Nominations: Complete List of Nominees

    Equity red star claims Equity red star claims Equity red star claims

    Equity red star claims

    Equity red star claims

    Equity red star claims

    There’s no business like show business!

    At 8:30 a.m. PT, Anna Chlumsky and Shemar Moore announced the nominations for the 2017 Emmys live from the Wolf Theatre at the Television Academy’s Saban Media Center in L.A.

    Television Academy Chairman and CEO Hayma Washington joined the Veep actress and the S.W.A.T. actor for the big reveal. “It has been an extraordinary year for television,” Washington said in a statement last week. “The industry has never been more dynamic or inventive, and storytellers and content creators have never been more prolific. We are thrilled to have these two talented and respected performers join us in launching another exciting Emmy season.”

    The 69th Emmy Awards will be telecast live from the Microsoft Theater in L.A. on Sept. 17 at 8 p.m. on CBS; Stephen Colbert will serve as the show’s host. Ricky Kirshner is producing the show with Glenn Weiss, who is also directing it; The Late Show‘s Chris Licht is also a producer.

    “This will be the largest audience to witness an Emmys, period,” Colbert boasted in January, when it was announced that he would be the emcee. “Both in person and around the globe.”

    Without further ado, here are this year’s Emmy nominees:

    Equity red star claims

    Quick Links, us cellular insurance claim.#Us #cellular #insurance #claim

    Helpful Information

    Lightning Safety Tips

    Outdoor Safety Tips

    Check the weather forecast before participating in outdoor activities. If the forecast calls for thunderstorms, postpone your trip or activity, or make sure adequate safe shelter is readily available.

    Remember the phrase, When thunder roars, go indoors. Find a safe, enclosed shelter when you hear thunder. Safe shelters include homes, offices, shopping centers, and hard-top vehicles with the windows rolled up.

    Crouch close to the ground and separate

    If you are caught in an open area, crouch down in a ball-like position (feet and knees together) with your head tucked and hands over your ears so that you are down low with minimal contact with the ground. Do NOT lie down. Lightning causes electric currents along the top of the ground that can be deadly over 100 feet away. Crouching down is the best combination of being low and touching the ground as little as possible.

    If you are in a group during a thunderstorm, separate from each other. This will reduce the number of injuries if lightning strikes the ground.

    Stay in open vehicles, structures, and spaces

    During a thunderstorm, avoid open vehicles such as convertibles, motorcycles, and golf carts. Be sure to avoid open structures such as porches, gazebos, baseball dugouts, and sports arenas. And stay away from open spaces such as golf courses, parks, playgrounds, ponds, lakes, swimming pools, and beaches.

    Stay near tall structures

    Do NOT lie on concrete floors during a thunderstorm. Also, avoid leaning on concrete walls. Lightning can travel through any metal wires or bars in concrete walls or flooring.

    Indoor Safety Tips

    Even though your home is a safe shelter during a lightning storm, you may still be at risk. About one-third of lightning-strike injuries occur indoors. Here are some tips to keep safe and reduce your risk of being struck by lightning while indoors.

    • Avoid water
    • Do NOT bathe, shower, wash dishes, or have any other contact with water during a thunderstorm because lightning can travel through a building’s plumbing.
    • Avoid electronic equipment
    • Do NOT use your computers, laptops, game systems, washers, dryers, stoves, or anything connected to an electrical outlet. Lightning can travel through electrical systems, radio and television reception systems, and any metal wires or bars in concrete walls or flooring. Equip homes with whole-house surge protectors to protect appliances.
    • Avoid corded phones
    • Corded phones are NOT safe to use during a thunderstorm. Do NOT use them. However, it is safe to use cordless or cellular phones during a storm.
    • Avoid windows, doors, porches, and concrete
    • Do NOT lie on concrete floors during a thunderstorm. Also, avoid leaning on concrete walls. Lightning can travel through any metal wires or bars in concrete walls or flooring.

    How to File a Flood Insurance Claim (with Pictures), insurance claim process.#Insurance #claim #process

    How to File a Flood Insurance Claim

    When a disaster strikes your home, you may be feeling angry, scared, or confused. If you have flood insurance, you’ll need to file a claim with your insurance agent as quickly as possible. It’s important to file your claim immediately and have all the supporting documents/information on hand. Your policy can help you get monetary compensation for anything that was lost or damaged in your home when flooding occurred, provided you have flood coverage and follow the necessary steps. When circumstances are out of your control, filing a flood insurance claim can give you peace of mind as you repair or rebuild your home.

    Steps Edit

    Part One of Four:

    Insurance claim process

    Insurance claim process

    Insurance claim process

    Part Two of Four:

    Documenting and Managing the Damage Edit

    Insurance claim process

    Insurance claim process

    Insurance claim process

    Insurance claim process

    Insurance claim process

    Insurance claim process

    How to File an Auto Insurance Claim, insurance claim process.#Insurance #claim #process

    How to File an Auto Insurance Claim

    Knowing what to do when you have an auto insurance claim can help you avoid some of the headaches, heartache and red tape involved in tackling the process. It can also help you get better value for your insurance dollars. If your car is involved in an accident, if it is damaged by fire, flood or vandalism, or if it is stolen, put your insurance to work for you by following these steps in filing your claim:

    Phone your insurance agent or a local company representative. Do it as soon as possible even if you’re far from home and even if someone else caused the accident. Ask your agent how to proceed and what forms or documents will be needed to support your claim. Your company may require a “proof of loss” form, as well as documents relating to your claim, such as medical and auto repair bills and a copy of the police report.

  • Insurance consumers make their own choice when selecting an auto body repair shop to fix their car. Many states, including Colorado, have laws that prohibit steering to specific repair shops.
    • Make sure you hire an auto body shop that provides guarantees and specific timelines on repairs. Your insurance policy has certain limits and deductibles, so find out settlement amounts before you sign off on repair costs. If you don’t know where to take your vehicle to be fixed, most insurance companies will provide you with a list of repair shops that are backed by repair and labor guarantees. Also visit: Colorado Auto Body Repair Poll
    • Supply the information your insurer needs. Cooperate with your insurance company in its investigation, settlement or defense of any claim, and turn over to the company immediately copies of any legal papers you receive in connection with your loss. Your insurer will represent you if a claim is brought against you and defend you if you are sued as the result of an accident.

      Keep records of your expenses. Expenses you incur as a result of an automobile accident may be reimbursed under your policy. Remember, for example, that your no-fault insurer usually will pay your medical and hospital expenses, and possibly such other costs as lost wages and at least part of your costs if you have to hire a temporary housekeeper.

      Keep copies of your paper work. Store copies of all paper work in your own files. You may need to refer to it later.

      Talk things over with your agent or an adjuster if you are dissatisfied with the settlement offer. Check your policy to see what settlement steps it outlines.

      What NOT to do after a car crash:

      • Move any injured persons.
      • Apologize for the crash.
      • Tell any party how much insurance you carry.
      • Accept any money. If you do, you forfeit your right to file a claim.
      • Agree to forget about the accident. Later on, the other person may file a lawsuit against you.

      Questions to ask your agent or company representative:

      • Am I covered for these losses?
      • What is my deductible?
      • How long will it take to process my claim?
      • Does my policy have a time limit on filing a claim?
      • Is there a time limit during which claims must be resolved after they are filed?
      • What are those time limits?

      So, I’ve filed my claim. How is it processed?

      First of all, the insurance company must confirm that your policy is in effect and that the accident is covered. After that is determined, your claim may be assigned to a claims adjuster. The adjuster will look at the damages to your car, evaluate the loss and figure out how much you can claim under your policy. This figure will be the insurance company’s estimate of what they will pay to repair your car the total claim payment.

      You can often save money by going to a mechanic recommended by your insurance company or using generic auto parts for repairs. However, if you feel uncomfortable with their recommendations, remember that it’s your option to get an estimate from another mechanic. In fact insurance companies can’t make you go to just one place for repairs, but they can ask that you get more than one estimate to make sure that they don’t pay an inflated repair bill.

      Special Claim Problems & Questions

      Q. What if I’m sued for more than my policy limit?

      A. Your insurance company will defend you if you are sued, however they may recommend that you get a lawyer. Why? Remember that your insurance company is only at risk for its policy limit. You are responsible for any remaining amount. For example, if you are sued for $1 million and your policy limit is only $300,000, you are responsible for $700,000.

      Q. What if I am a passenger involved in an accident?

      A. Like the driver, collect all important information names, addresses, license numbers, policy numbers, etc. How much you will collect for damages depends on how well insured the other drivers are. As a passenger, you can collect for damages from one of two ways: 1) under your driver’s medical payments coverage or 2) filing a claim against the at-fault driver’s liability coverage.

      Q. Can I accept a cash advance to have repair done on my car without forfeiting my right for additional money for repairs?

      A. Yes, unless you sign an agreement that releases the insurance company from paying you additional money.

      Q. What if my car is declared a total loss?

      A. If your car is declared a total loss, your insurance company will pay you for its value by using references such as the “blue book” and/or by consulting car dealers. Be aware that the specific condition of your vehicle, including mileage or the tires, influences how much your vehicle is worth. If you feel you deserve more, consult your agent or company.

      Q. What if I don’t report an accident to my insurance company?

      A. You should report all accidents even if you don’t end up filing a claim. If you don’t report it, you run the risk of being sued by the other persons involved in the accident and your insurance company will be at a disadvantage in defending you.

      Q. What if I loan my car to a friend who causes an accident, is he or she covered?

      A. Under most circumstances, someone using your car with your permission is covered by your insurance. In most cases, your insurance will treat it just as if you were the driver.

      Q. Will my rates go up or will I lose my insurance if I get into an accident or get a ticket?

      A. If you are not at fault in the crash, your insurance is usually not affected. If you are at fault, get a ticket for a serious violation (i.e. drunk driving) or are involved in a costly property damage claim (i.e. crash into a tree), your rates may increase at the time of policy renewal because you will be categorized into a higher risk group of people. The same rule generally applies if you get three traffic tickets within three to five years.

      Insurance claim process

    International Cell Phone Rentals – iPhone and Android – Cellular Abroad, us cellular insurance claim.#Us #cellular #insurance #claim

    International Cell Phone Rentals

    Rent a Phone for International Travel

    We offer several cell phone rental options for international travelers. If you are traveling to just one country, select the country to where you are traveling from the list of countries below. If you are traveling to more than one country, please click on the link for the National Geographic Cell Phone Rental below. If you are traveling to one country such as Italy, Spain, Germany, France, the UK, China or others, we offer country specific solutions which, as they are not roaming, they offer incredibly low rates and faster mobile data solutions other roaming options including what you would expect from AT s operating system. Both are great options for international travelers who need to stay in touch with and have immediate access to data.

    Us cellular insurance claim

    Us cellular insurance claim

    Us cellular insurance claim

    Virtual claims adjuster, virtual claims adjuster.#Virtual #claims #adjuster


    Aerial imagery, dimensions, and structure history for residential and commercial roofs and properties

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    On-Demand Drone Inspection Now Available with Geomni Property

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    Geomni Quickly Responds Post Hurricane Harvey and Hurricane Irma

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    Verisk Announces Increased Remote Sensing Capabilities for Geomni

    Virtual claims adjuster

    Geomni to Present at Elevate Conference 2018

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    Discover Geomni Roof and Property Data

    So Much More Than a Roof Report

    Time is the one resource you can’t ever get back. Save more of it with accurate, robust

    Geomni Data Packages.

    The absolute Best Coverage in the U.S and Canada.

    We capture and provide up-to-date data for residential and commercial properties from one coast to the other.

    Virtual claims adjuster

    1. Baseline data

    Our data packages are built on a foundation of established baseline aerial imagery and property data.

    Virtual claims adjuster

    2. Geomni Fleet Aerial Imagery

    The Geomni fleet enhances our baseline data by capturing high-resolution aerial photos and property data.

    Virtual claims adjuster

    Fast Delivery, Whatever the Weather is Like

    After a major hail or wind event, we’ll start capturing and delivering updated aerial

    imagery as soon as the skies are clear.

    Use XactAnalysis?Save time by setting up automatic data package delivery whenever your personal criteria is met.

    Virtual claims adjuster

    What is a Property Data Package?

    A Geomni data package provides the same information as a traditional roofing

    report(slope, roof squares, dimensions) plus critical property details, including material

    type,3D structural renderings, and out-buildings (pools, sheds, etc.).

    How does Geomni help my claims handling?

    High-resolution imagery and critical structural details aren’t just “nice-to-haves.”The

    moment you order a Data Package, Geomni helps you determine what stepsto take

    before you’ve even deployed an adjuster.

    Virtual claims adjuster

    Automate Claims Routing and Decision

    Automate claims handling decisions by setting up

    personal criteria and routing in XactAnalysis

    Based on your criteria, Geomni notices that the roof

    is too steep for an adjuster. XactAnalysis

    automatically flags the claim for a ladder assist

    Virtual claims adjuster

    Triage Damage with Virtual Inspection

    Use Virtual Inspection to triage damage by zooming

    in on high-quality aerial imagery

    The adjuster, seeing that the roof has sustained too

    much hail damage to repair, adds a full roof

    replacement to the estimate.

    Virtual claims adjuster

    Use Assisted Estimating to Resolve the

    Claim Faster

    Xactimate Assisted Estimating receives the Geomni

    data package and suggests estimates based on the

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    A complete property sketch ready to go into your Xactimate estimate

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    Claim Software, insurance claim adjuster.#Insurance #claim #adjuster

    insurance claim adjuster

    Insurance claim adjuster Insurance claim adjuster Insurance claim adjuster Insurance claim adjuster Insurance claim adjuster Insurance claim adjuster Insurance claim adjuster Insurance claim adjuster

    Claim Software applications that make everyday tasks for claims adjusters easier

    Insurance claim adjuster

    As a Public Insurance Adjuster I am acutely aware of many of the repetitive tasks facing claims adjusters and we are doing our best to create software to make your lives easier – for FREE!

    Please feel free to download the applications listed below and please email us any comments you may have on how we could make our software better or more functional. In addition, if you have any ideas for software that could assist claims adjusters we would love to hear from you!

    Stephen Hadhazi – Software Developer Public Insurance Adjuster

    For more information call Julio Ortega: (786) 547-6751

    Insurance claim adjuster

    iScope™ loss estimating software

    iScope™ is the only construction estimating software that allows the user to plug in their own items and pricing in a convenient and efficient manner. iScope™ also allows users to utilize the custom line items that they create in the super powerful proprietary iScope™ Macro System.

    Windows XP, Vista 32/64b, Windows 7 32/64b

    Insurance claim adjuster

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    DocuDemon is a unique program that helps public insurance adjusters manage and schedule the transmission of important claims documents via fax and/or email. If you want a better way to ensure that your documents arrive as intended, this free program is for you.

    Windows XP, Vista 32/64b, Windows 7 32/64b

    To see a video of the function of DocuDemon click HERE

    Insurance claim adjuster

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    MacroNote Platinum Edition

    Claim Text Macro Management System (TMMS)

    Windows XP, Vista 32/64b, Windows 7 32/64b

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    Personal Property Inventory

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    How to Claim Compensation for Whiplash (with Pictures), whiplash claim.#Whiplash #claim

    How to Claim Compensation for Whiplash

    Whiplash is the most common form of injury that follows an automobile accident. A whiplash injury refers to severe muscle strains in the neck and shoulder region. However, if you have been inflicted with such an injury due to the negligent driving of someone else, then it is necessary that you claim compensation for whiplash against the negligent driver. A claim will cover your current medical expenses, as well as your future medical treatment.

    Steps Edit

    Part One of Eight:

    Preserving Your Claim for Compensation Edit

    Whiplash claim

    Whiplash claim

    Whiplash claim

    Whiplash claim

    Whiplash claim

    Whiplash claim

    Whiplash claim

    Part Two of Eight:

    Documenting Your Injuries Edit

    Whiplash claim

    Whiplash claim

    Whiplash claim

    Whiplash claim

    Whiplash claim

    Part Three of Eight:

    Filing a Claim with an Insurance Company Edit

    Whiplash claim

    Whiplash claim

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    Part Four of Eight:

    Hiring an Attorney Edit

    Whiplash claim

    Whiplash claim

    Whiplash claim

    Whiplash claim

    Texas Insurance Claims Adjuster Training Online -Hurricane disaster adjusting – Houston, Dallas, insurance claim adjuster.#Insurance #claim #adjuster

    insurance claim adjuster

    Insurance claim adjustermedia/elements/LayoutClipart/../LayoutClipart/AccentGraphics/Accent_Arrow_Black.gif” /> Insurance claim adjusterHOME Insurance claim adjuster

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    Insurance Adjusters: Who They Are and How They Handle an Injury Claim, insurance claim adjuster.#Insurance #claim #adjuster

    Insurance Adjusters: Who They Are and How They Handle an Injury Claim

    Insurance claims adjusters come with different titles, such as claims specialist, claims representative, or independent claims analyst, but they all do the same job. Understanding who claims adjusters are and how they work to resolve an injury-related insurance claim lets you see that they have no real advantage over you in the negotiation process. Indeed, by having a good understanding of the facts of your own claim, you may well have an advantage over them.

    When you have filed a claim against someone you believe was responsible for your accident, normally the negotiation process will be with a claims adjuster for that person s liability insurance company.

    Occasionally, a claim is not handled by an insurance company s own adjuster, but instead is referred to a firm of independent insurance adjusters. Insurance companies often do this if they do not have a local claims office in a particular area.

    Independent claims adjusters representing an insurance company operate the same as in-house claims adjusters. The only difference is that they may have a lower authority limit within which to settle a case and therefore must have your settlement amount approved by a claims supervisor at an insurance company office. The negotiation process, however, is exactly the same.

    Public entities such as state governments or large cities that receive lots of claims often have their own claims adjustment offices. The negotiation process with these government claims adjusters works the same as with private insurance adjusters. The only notable difference in negotiating with a government claims adjuster is that if a claim eventually winds up in court, judges and juries tend not to be overly generous in awarding damages with public money. For this reason, government entity adjusters tend to be tighter with settlement money than private insurance adjusters. If you have a claim against a public entity, expect your settlement to be 10% to 25% lower than if it were against a private party.

    It sometimes happens that even though you have not filed a lawsuit, you find an attorney — instead of a claims adjuster — negotiating with you about your claim. Self-insured corporations and some insurance companies without a local claims office sometimes use either their own staff attorney or a local attorney as a claims adjuster. And government entities sometimes have assistant city, county, or state attorneys who deal directly with accident claims even before they get to court.

    If an attorney is handling your claim instead of a claims adjuster, don t panic. In the claims negotiation process, a lawyer cannot do anything different from a non-attorney claims adjuster. A lawyer may bluff a little more than a claims adjuster about the law regarding negligence and liability, but there are easy techniques to call that kind of bluff.

    If you file a claim under your own automobile collision, uninsured, or underinsured motorist coverage, you do not negotiate a settlement with your own insurance agent. All an agent can do is refer your claim to the claims department — and then it is completely out of the agent s hands. You will then negotiate an injury settlement with a claims adjuster who will be acting as the company s representative, not yours.

    How Adjusters Settle Claims

    The job performance of insurance adjusters is judged not only by how little of the insurance company s money they spend in settlements but also by how quickly they settle claims. Most adjusters get between 50 and 100 new claims a month across their desks. They have to settle that many claims — known as clearing or closing a claim file — each month just to stay even. Their performance is also rated on how many claims they can personally settle without having to involve supervisors or insurance company lawyers. Once an adjuster knows that you understand the range of how much your claim is worth, the adjuster will not usually stall your claim.

    During negotiations, you will find that you know much more about your claim than the adjuster does. Except for those assigned to the largest cases, insurance claims adjusters have no special legal or medical training. And most have neither the time nor the resources to investigate or study your claim very carefully.

    The result is that while an adjuster will know more than you about the claims business in general, he or she will not know your particular claim nearly as well as you do. You were there during the accident. You know what your injuries are, how much and where they hurt, and how long they have taken to heal. You have put in the time to understand how the accident happened and to demonstrate through photos and medical records and other documents what your damages were. The insurance adjuster, on the other hand, has only a couple of minutes a week to look at your file. As long as you are organized and understand the process, you are the one with the negotiating advantage.

    The adjuster has the authority to come to an agreement with you on the telephone for what the final settlement amount should be. Once you and the adjuster agree on an amount, the adjuster simply sends you the paperwork to finalize the settlement. But adjusters authority to settle claims on their own is restricted to certain dollar limits. The limits depend on how much experience the adjuster has. For less experienced adjusters, the limit is between $5,000 and $10,000. For more experienced adjusters, the limit is between $10,000 and $20,000.

    An adjuster will not disclose the limits of the adjuster s authority is unless you re going to get an offer higher than that authority. If so, the adjuster will have to ask for approval from a superior usually called a claims supervisor or claims manager. This is neither unusual nor difficult. But if the adjuster does need to check with a supervisor about your settlement offer, get a date by which you will hear back from either one, and then send a letter to the adjuster confirming that date.

    For more details on negotiating an insurance claim, including sample letters to insurance companies, suggestions for handling negotiations, and strategies for dealing with an insurance company that refuses to make a good offer, see How to Win Your Personal Injury Claim, by Joseph L. Matthews (Nolo).

    NATIONAL INTELLECTUAL PROPERTY OFFICE OF SRI LANKA-PATENT, what is a patent claim.#What #is #a #patent #claim

    what is a patent claim

    What is a patent claim

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    Preparation of the application

    What is not patented: Such things as (i) discoveries, scientific theories and mathematical methods; (ii) plants, animals micro organisms other than transgenic micro organisms and an essentially biological process for the production of plants and animals other than non biological and micro-biological processes; (iii) schemes, rules or methods for doing business, performing purely mental acts or playing games (iv) methods for treatment of human or animal body by surgery or therapy and diagnostic methods practiced on human or animal body (v) inventions which are necessary to protect public order, morality including human animal or plant life, health, or to avoid serious prejudice to environment.

    A patent is valid only in the country where it is granted. As Sri Lanka is a member of the Paris Convention for the protection of industrial property, Sri Lankans can obtain patents for their inventions in all the member countries of the Paris Convention under the national law of the particular country.. Almost all the countries are members of this convention. You also can claim priority under the Paris Convention for the protection of Industrial Property in its member countries. Under priority you can claim the date of application of the national application in other member countries. ( within 1 year from the date of application in Sri Lanka)

    What Is The Maximum Unemployment Benefit In Wisconsin, unemployment wisconsin weekly claim.#Unemployment #wisconsin #weekly #claim

    Computing Wisconsin Unemployment Insurance Weekly Benefits

    Unemployment wisconsin weekly claimUnemployment benefits in Wisconsin might not let you to maintain daily life you had while employed, but the benefits can help you remain economically solvent between jobs. Your benefit rate is based on your prior wages, with higher earnings resulting in highly weekly benefits. State laws set limits for both weekly benefits and total collective benefits, but federal funding might add to your total allotment.

    After you are jobless in Wisconsin you must get in touch with the Wisconsin Department of Workforce office to collect unemployment benefits. Staff members at the department will assess your wages to decide the amount of unemployment benefits you are suitable to receive. Like most other states, Wisconsin has a minimum and a maximum benefit amount that unemployed workers can collect each week in spite of how much money they earned while they were employed.

    The Maximum Amount of Unemployment Benefits in Wisconsin

    Regarding weekly unemployment benefits, the highest amount obtainable in Wisconsin as of 2011 is $363. Generally, you may claim unemployment benefits for 26 weeks. Thus the highest amount of total benefits an unemployed person can collect in the state is $9,438. You could claim this sum over the span of a year if you opt-by not filling for benefits some weeks—but you can collect 26 payments.

    Understanding Your Base Period

    Your base period is a 12-month period before filing for unemployment. Dividing the year into fixed three-month quarters, Wisconsin describes the base period as first four of the five completed calendar quarters previous to a worker’s job loss.

    In other words, if you filed for unemployment in the week of July 4, 2010, your base period would be from April 2009 till March 2010. Anything you made in the last complete quarter before the week you filed-which in this Instance is April through June 2010—does not add up toward the year-long total earnings employed to estimate your unemployment benefits.

    Alternative Base Period (ABP)

    If you do not have adequate wages to be eligible for a claim using the base period described above, an alternate base period will be employed. The alternate base period will be the 4 most recently completed calendar quarters prior to the week you filed your initial claim application for a new benefit year.

    Extended Base Periods (EBP)

    Wisconsin does not provide Extended Base period.

    Determining Your High Quarter

    Next, you need to work out your highest-paid quarter, or high quarter. This is basically defined as the quarter within your base period during which you made the maximum wages, adding up earnings from all work you had.

    Remember that the quarters are set periods. You must not choose consecutive months randomly, but keep to calendar quarters: January through March, April through June, July through September and October through December.

    Calculating Unemployment Benefits

    Unemployment wisconsin weekly claimThe key to deciding your eligibility for maximum unemployment benefits in Wisconsin is the sum of your earnings from recent work. In particular, the state matches your wages from your base period –the 1st four calendar quarters of the five most recently finished quarter before your claim.

    While your total base period earnings decide your eligibility for benefits, the wages from your highest earning quarter decide your weekly benefit amount. The state takes 4% of your high-quarter earnings and sends you that sum each week. In order to obtain the maximum $363 weekly rate, you must have earned no less than $9075 in your high quarter.

    When Wisconsin finds out how much to give you per week, it uses a formula mandated by state law. It employs the high-quarter method and computes the weekly benefit amount.

    High Quarter Method: More than half of the states decide the weekly benefit amount by using the base period quarter in which wages were maximum. This quarter is viewed as the period most nearly reflecting full time work for the worker. By dividing this sum by 13 – the number of weeks in a calendar quarter – the average weekly wage is computed. Depending on the percentage of the weekly wage the state plans to replace, the weekly wage is divided and the weekly benefit sum is computed.

    Formula for estimating weekly benefit amount

    Unemployment wisconsin weekly claimYou may be eligible for the weekly minimum benefit of $54 up to the maximum weekly rate if $363. 4% of your highest quarter wages during a qualifying employment base period decide benefit amounts.

    The maximum benefit time limit for usual unemployment compensation is 26 weeks or when your benefits tire out 40%of your base period earnings, whichever is less.

    The minimum WBR is $54, requiring high quarter earnings of $1,350; and the maximum WBR is $363, requiring high quarter earnings of $9,075.

    Get an estimation of your Unemployment Insurance Weekly Benefit Rate should you become unemployed.

    Covered and Excluded Employment

    Covered employment is the work you carry out for an employer who is put through the unemployment insurance law. However, some work is “excluded” when performed for a covered employer. Only wages paid from covered employment can be employed to be eligible for unemployment benefits and to compute how much you can be paid.

    Qualifying Wages

    To meet the criteria for unemployment benefits you must have been paid wages from covered employment in no less than 2 quarters of your base period. You need:

    1. Sufficient wages in your high quarter to qualify for the minimum Weekly Benefit Rate (WBR);
    2. Wages in your 3 lowest quarters that equal at least 4 times your WBR when added together;
    3. Total base period wages equal to at least 35 times your WBR; and
    4. If you were paid benefits in a previous benefit year which has ended, you must have worked since the commencement of that benefit year and earned at least 8 times the WBR of that claim.

    Computing Partial UI Benefits For a Weekly Claim

    Unemployment wisconsin weekly claimThe partial wage formula used to compute partial weekly UI benefits is shown below:

    1. Subtract $30.00 from the gross income.
    2. Multiply the remainder by 0.67 (67%).
    3. Subtract this new amount (including the cents) from your Weekly Benefit Rate.
    4. Round the remainder down to the nearest whole dollar. This is the amount of partial UI benefits payable for the week.

    The smallest UI check that we will pay is $5.00, so if your computation results in a sum which is less than $5.00, no payment will be made.

    Example: WBR=$200 Gross Income=$250

    1. $250.00 (Gross Income) minus $30 = $220.00
    2. $220.00 multiplied by 0.67 = $147.40
    3. $200.00 (WBR) minus $147.40 = $52.60
    4. Round $52.60 down to $52.00

    Medical Claims Processing, Apex EDI Billing Clearinghouse, claims processing.#Claims #processing

    Medical Claims Processing

    Stop sending claims the old-fashioned way. We ll save you time and money!

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    I would like to take a moment and express my gratitude. Our transition to Apex has been the smoothest transition I have ever been involved with. From the moment

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    By taking advantage of Apex we have cut our billing time down significantly, and payments from insurance companies are coming in a quick, concise, and

    I just wanted to let you know we are seeing payments and the turnaround time is AMAZING! Apex is allowing us to collect so much faster than before, and

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    Claim Language in Patent Applications, what is a patent claim.#What #is #a #patent #claim

    what is a patent claim

    What is a patent claim

    What is a patent claim

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    What is a patent claimWhat is a patent claimWhat is a patent claimWhat is a patent claimWhat is a patent claim

    What is a patent claim

    A patent is a contract between the state and an inventor; and care must be exercised to see that both are treated fairly. If this policy is interpreted to limit the scope of the inventor s claims, he would not receive adequate legal protection for the contribution he is making to the promotion of science and technology. On the contrary, further experimentation by others is discouraged if the patent claims are made very road and there is no method of checking liberal interpretation of claims leading to monopolization of the art unfairly. This in turn would violate the general purpose the patent laws, which are primarily designed to promote the progress of science rather than to reward the inventor.

    An invention is protected through claims in a patent which precisely define what the invention is. The claims and the claims alone construct a fence around the patented invention to avoid its unlawful use. It may be noted that legal protection is awarded only to what is included in the claims and the matted not included is open to public for creating new inventions. It is necessary to understand the meaning and scope of a patent s claims in order to determine whether a proposed course of action would constitute an infringement or whether it would enlarge the scope so much that the interest of the state is jeopardised. As a great deal in decision making would depend on how one constructs claims, the language of claims assumes a very important place.

    A factor which may affect the interpretation of patent claims is prior judicial definition of terms or expression appearing in the claims. Where the terminology of a patent claims may be susceptible of various interpretation having more than one definite meaning, it may be found that courts have been confronted, in earlier cases, with the problem of interpreting the same or similar language. In addition, the courts have also developed over the years a number of general rules for interpretation of claims. Unfortunately, the rules may vary from one court to another court. The general rule, however, is that patent claims, unless limited by patent office proceedings or by prior art, or by judicial determination, are to be construed literally. It is the opinion of some courts that a patentee is bound by the language and terms of his claims.

    One of the interesting examples relates to the use of words comprises and consists in patent claims. Two words are not different in their meanings according to many dictionaries namely Chambers, Oxford, Webster ad Collins; and both convey the meanings to contain/include/constitute or to be composed of and to be made up of. However, in the patent practice these words have different interpretations. Comprising denotes a very broad and open claim which can be interpreted to include unspecified ingredients, even in major amounts. Consisting of would generally imply a narrow claim not allowing inclusion of materials other than those already stated in the claims. Let us take an example. Two claims are stated in the following manner;

    What is a patent claimClaim 1

    A writing instrument, which comprises a pencil and clip for holding the apparatus in a product, said clip being attached to said pencil.

    This claim covers all writing instruments which have at least a pencil and a clip. A writing instrument containing other elements , such as an eraser attached to the pencil will be covered under this claim. The claim has become very broad by the use of the word comprises .

    What is a patent claimClaim 2

    A pharmaceutical composition which consists of the anti-malarial agent Y and a pharmaceutically acceptable carrier.

    In this case, the claim covers compositions which contain only anti-malarial agent Y and the carrier and nothing else. A composition which contains any additional ingredients does not infringe the claim.

    (These examples adopted from the papers presented by Shri J. Trevor Lump, Pfizer Inc., USA during a series of seminars in India in 1997)

    There are many other words which need to be carefully used.

    What is a patent claim Preferably : The word suggests that the component or condition to which the word relates is optional, not essential or not necessarily effective in changing the result to a degree constituting a different of kind. In the absence supporting data, preferably may destroy the criticality of the feature. For that reason, it is sometime desirable and possible to replace the word, for example, by change of and preferably at a temperature of to and for best results (or best yield, increased water resistance of the product; or rate of curing, etc.), at a temperature of

    What is a patent claim May : The word may carries with it also the meaning may not . The word can is stronger and at times a good replacement. May , it should be added, is much used, no doubt properly but never in claims.

    (Commentary on Preferably and May adopted from Claims-Words and Phrases Exterior Standards by Flank Leonord Encyclopedia of Patent and invention Management, Ed. Robert Calvert, Reinhold Publishing Corporation, NY, 1964)

    NB : Patent attorneys and to some extent patent agents are equipped to use words, phrases and terms appropriately in the right manner acceptable to patent offices and courts. It is advisable to consult a patent attorney for drafting of claims. If you have better information on the use of some words etc., you may guide the attorney. A team work would pay in the end.

    What is a patent claim

    What is a patent claim

    IHCFA Claims Processing, Home, claims processing.#Claims #processing

    claims processing

    iHCFA Well Positioned to Support New Jersey s EDI Law for Electronic Filing of Medical Bills for Worker s Compensation Claims

    Morristown, NJ. (November 14, 2016) – iHCFA, LLC an industry leading clearinghouse, specializing in the electronic processing of Workers Compensation and Automobile bills, announced today that it is poised to support healthcare Providers and insurance payors in implementing the new S-2136 Electronic Data Interface (EDI) bill signed into law today by New Jersey Governor Chris Christie.

    The new law requires all Workers Compensation, Third Party Administrators and Employers who receive medical bills to accept the bills and their medical reports electronically. All healthcare Providers and Hospitals that submit over twenty-five (25) bills per month are also required to submit their bills and medical reports electronically. The Department of Banking and Insurance will utilize the national standard ASC X-12 electronic data exchange protocols found in all modern billing systems.

    Company President, Dr. William J. DeGasperis, stated, this law moves New Jersey into the 21 st century and will result in lower costs, greater accountability, productivity and a better working relationship between the Provider and insurance payor. iHCFA is uniquely positioned to help clients comply with this new law because of our ability to connect to any medical billing system and link to more than 1,000 insurance payors and third-party administrators, said DeGasperis.

    The benefit for healthcare providers managing their revenue cycles through e-billing, besides faster payment, is the increased efficiency of direct point to point communication between the insurance carrier and the Provider billing system. The elimination of lost bills and an overall reduction in administrative costs and burdens results in a more effective, efficient process. Providers currently submit over 95% of all Medicare, Medicaid and healthcare bills electronically yet submit only 10% of all Workers Compensation and Auto bills. Payors receive faster notification of claims through the e-billing process, more accurate and complete first-time bills and medical documents, better communication and a significant reduction in paper and mail room processing. These all lead to decreased costs and eliminate reliance on antiquated manual processing.

    iHCFA, a New Jersey based clearinghouse, specializes in electronically processing Workers Compensation and Automobile bills with all supporting documents. iHCFA is an industry leader with the ability to connect to any medical billing system and link to more than 1,000 insurance payors and third-party administrators in all 50 states. iHCFA users can access a web based system to perform bill validation, review processing status including acceptance or rejection and payment notifications.

    Insurance Fraud Attorneys, SIU Litigation Attorneys, bad faith insurance claim.#Bad #faith #insurance #claim

    Insurance Fraud, SIU Defense Litigation Attorneys

    The insurance fraud, SIU defense litigation lawyers at Parker Straus, LLP provide cost-effective legal services for the nation s leading insurers and businesses without ever compromising our aggressive legal representation. Our attorneys have a proven track record handling cases that involve complex fraud, civil litigation, insurance coverage, qui tam, RICO, transportation, cyber insurance, subrogation, and insurance defense litigation.

    With multiple offices located throughout several states, we have the resources to achieve results for insurance carriers, corporations, and individuals from the Pacific Coast to the Midwest. We listen to our clients, find the most direct means to accomplish their goals, and focus on pursuing those goals until they are accomplished in a manner that meets your needs and goals.

    Learn more about our legal services: (888) 557-3311 .

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    $500,000+ Cargo Loss / Determined to Be Fraudulent (Large National Insurer)

    Excellent and timely communication between the adjuster, our local investigator and expert, the insured, SIU, and our attorney got the team to this determination without delay.

    Fraud Ring Investigations (Large National Insurer)

    We couldn’t have obtained the kind of results we did without your outstanding work in each and every one of the EUOs.

    Bad faith insurance claim

    Our Attorneys Are Proud Members of:

    • Bad faith insurance claim

    Dallas Claims Association

  • Bad faith insurance claim

    Texas Association of Special Investigation Units

  • Bad faith insurance claim

    Arizona Association of Special Investigation Units

  • Bad faith insurance claim

    San Diego County Bar Association 100% Club

  • Bad faith insurance claim

    Claims and Litigation Management Alliance

  • Bad faith insurance claim

    California Self-Insurers Association

  • Bad faith insurance claim

    Coalition Against Insurance Fraud

  • Bad faith insurance claim

    International Association of Special Investigation Units

  • Bad faith insurance claim

    International Association of Auto Theft Investigators

  • Bad faith insurance claim

    Northern California Fraud Investigators Association

  • Bad faith insurance claim

    Association of Southern California Defense Counsel

  • Bad faith insurance claim

    Southern California Fraud Investigators Association

  • Bad faith insurance claim

    San Diego Insurance Adjusters Association

  • Bad faith insurance claim

    Emergency Management Association of Texas

  • Bad faith insurance claim

    100 Percent Club 2017

    Our Mission Statement

    Parker Straus, LLP provides superior, expedient legal representation to insurance companies, businesses, and individuals. Our attorneys apply their collective experience in handling fraud, SIU, civil litigation, insurance coverage, defense litigation, and other cases to benefit all clients no matter the size of the claim. To assure your interests are served, we encourage feedback and listen to our clients. We never compromise our ethical standards and professionalism. Parker Straus, LLP consistently practices cost containment and efficiencies for all clients to keep our fees fair and competitive, while never compromising our assertive, excellent legal representation.

    Bad faith insurance claim

  • Hiring an Attorney for an Insurance Claim, United Policyholders, bad faith insurance claim.#Bad #faith #insurance #claim

    bad faith insurance claim

    You’ve suffered a major loss from fire, theft, or some other calamity and you’ve filed an insurance claim. You’re not sure what your rights are, and you’re worried about trusting your insurance company. You should be. Your financial interests and your insurance company’s financial interests are in a natural conflict – You want a maximum payout, your insurer a minimum. An insurance claim is a business negotiation, pure and simple. So although you paid good money for coverage and good claim service, you may have to fight for it. And you may need professional help in that fight. In an ideal world no one would need to hire a lawyer to get an insurance claim paid on time and in full, but in this world, many do.

    To ensure a fair settlement of a large claim (in excess of $10,000), educate yourself by reading our Claim Tips and taking advantage of the resources that United Policyholders offers. And you must be a “squeaky wheel” and know when and how to get the right professional help if you need it. If you’re reading this publication, you’re on the right track.

    Do you need professional help? Do you need a lawyer? Do you need a public adjuster? What is a public adjuster? Can you handle it on your own? The first thing you need before making these decisions is a complete copy of your policy, including the “Declarations Page” and all “Endorsements” and “Riders”.

    Your Declarations Page is generally the first or second page of the policy. It states the dollar limits applying to each category of coverage, and lists the endorsements and riders, (extras) that you have in addition to the basic policy. Each such addition will be listed by a code number or letter, or combination thereof. Review your basic coverage categories; Dwelling, Contents (Personal Property), and Loss of Use (sometimes called “Additional Living Expenses”.)


    Q: I’ve filed a claim under my homeowners policy. I’ve met with adjusters from my company. A dispute has arisen. I’m getting frustrated. Do I need a lawyer?

    A: If you are communicating in writing and in person with your insurer with confidence, polite assertiveness, and insistence on your rights and your insurer is responding, keep going on your own. If you feel like you’ve “hit a wall”, are losing patience, feeling frustrated, angry or anxious, or are worried about time passing and/or losing your rights, a qualified attorney can help. An attorney can help you get the respect and claim results you deserve. If the dispute is only relates to the extent or value of property damage, and your insurer is cooperating in trying to resolve the dispute informally – hiring an attorney may not be necessary. If you live in a state that licenses and regulates public adjusters and there are experienced and reputable ones available in your area, interview both lawyers and public adjusters before deciding which one would be best suited to resolve your particular situation.

    Q: Once I hire an attorney, should I let them to do all the talking to my insurer?

    A: Not necessarily. You can try having an attorney give you advice on your rights and continue to communicate with your insurer. If an aggressive attorney contacts your insurer early in the claims process, it may aggravate and prolong a dispute that you might have resolved yourself. However, if you’ve given it your best shot and the insurance company won’t treat you fairly; let a professional take over on your behalf. Once the insurance company has dug in its heels and you’ve hired an attorney, let the attorney communicate with the insurance company. Most attorneys will insist on this and it’s for your own protection.

    Q: Can I hire my family lawyer to represent me. the one who did my will last year?

    A: You can, but you shouldn’t. Your lawyer should be experienced in representing policyholders (people like you) in insurance coverage or bad faith litigation. Insurance companies generally hire very experienced insurance defense counsel to represent them and yours should be a worthy adversary. Insurance companies will assess the risk of not settling with you by considering the strength of your representative.

    Q: How can I find the right lawyer?

    A: Be an astute consumer; get referrals from friends, family members, or reputable attorneys who have personal contacts with an insurance specialist. Go to the “Find Help” section and click on your state to find professionals who specialize in representing policyholders and who support United Policyholders’ work. Interview potential candidates about their insurance expertise and trial experience and get references from former clients. Check references. A lawsuit is a major undertaking but may be the most effective way to fairly resolve a major claim. The attorney you select should have your utmost confidence. and deserve it!

    Q: Do I have to sue my insurance company to get what I am entitled to under my policy?

    A: Absolutely not. On most small dollar claims, your insurer will pay your claim with little fuss and bother. Basic negotiating will resolve most insurance disputes. There are laws and regulations in most states that make it illegal for insurance companies to force consumers to file suit to recover their policy benefits.

    Q: What are the alternatives to litigation?

    A: Mediation, Arbitration, Appraisal are three of the most popular alternatives to litigation.

    In MEDIATION, the parties work with a third party to negotiate a resolution of their dispute in an informal, voluntary process.

    An ARBITRATION may be binding or non-binding, and is more formal than a mediation. The arbitrator may dictate the result, or simply work with the parties to reach a result.

    APPRAISAL is a procedure that can be used to resolve a dispute over the amount of an insured loss. It has no relation to real estate appraisals. It can be fast and economical or slow and expensive, depending on the appraisers and umpire selected by both sides.

    Q: How do I find a mediator or arbitrator?

    A: Look in your phone book under “Mediation Services” or “Attorneys – Mediators”. Word of mouth.

    Q: If I do hire a lawyer, what will it cost?

    A: You can pay by the hour, or enter into a “Contingency Fee Agreement.”

    Q: What is a “Contingency Fee Agreement?

    A: Many policyholders in dispute with their insurer cannot afford to pay a lawyer by the hour. Most lawyers who represent policyholders in disputes with insurers will work under contingent fee agreements. Under such agreements, the attorney is only paid if the client recovers money in a lawsuit or settlement. Then, the lawyer takes a percentage of the recovery.

    If a case settles before a case goes to trial, most attorneys set their contingency fee at 33% of the recovery. If a case goes to trial, the range increases to 33-40%.

    Here is a useful article on hiring an attorney for insurance claim help after a disaster.

    Q: What do lawyers charge by the hour?

    A: Hourly fees for lawyers vary according to firm size, experience of the attorney, and geographic location. Consumers retaining a partner in a law firm can expect to pay $200-$450 per hour. Rates for law firm associates range from $125-$300 per hour. Consumers retaining a rural attorney in private practice can expect to pay lower hourly fees. If you have to sue your insurance company, you’ll want your attorney on a contingent fee agreement or your legal bills will add up very quickly.

    Q: Do I have to pay litigation costs on top of attorney fees?

    A: Some attorneys will advance litigation costs, but the client is generally ultimately responsible for them. Whether you pay hourly or on a contingency, you may have to pay costs, even if you lose your case. You can set a cost reserve in advance with your attorney, and request that he or she try to stay within that amount.

    Q: What do litigation costs run for an average case?

    A: That question cannot be answered with certainty. It depends on the facts of the case, the location of witnesses, and the complexity of the dispute.

    Q: How long can I wait to hire an attorney?

    A: That depends on your circumstances and but the safest course is to consult with an attorney at least a month before the one year anniversary of the event that caused your loss. There are hard and fast rules called “statutes of limitations” that cut off your right to sue when a certain amount of time has passed, and once that time passes – you can no longer file a lawsuit to right a wrong.

    You generally have a shorter time window to sue an agent or broker than an insurer. Statutes of limitations are complicated and not to be taken lightly. Don’t wait too long to consult with or hire a lawyer or your options may be very limited. And, if your insurer wants to examine you under oath, (EUO), or have their lawyer question you, consult a qualified attorney before you proceed.

    Q: What recourse do I have if I am not satisfied with my attorney?

    A: A client has an absolute right to discharge their attorney at any time, and for any reason. You may be liable to pay your attorney for the reasonable value of their time, and, if you fire them soon before the case settles or is tried, you may have to pay them extra. You can hire a second attorney, but make sure you iron out the question of payments you may owe to the first attorney.

    The State Bar of California has a Hotline to answer questions about attorneys. They will also process a complaint against an attorney, and if appropriate, may bring disciplinary proceedings. The Hotline number is 1-800-843-9053. If you’re outside California, check with the agency that licenses and regulates lawyers, every state has one.

    New Orleans Insurance Defense Attorney: David A, bad faith insurance claim.#Bad #faith #insurance #claim

    David A. Strauss

    David Strauss, a managing attorney in the New Orleans office of King, Krebs Jurgens, partners with clients to protect their assets by aggressively defending bad faith litigation and fighting insurance fraud at the enterprise level for some of the nation s largest insurance companies. Corporate counsel relies on his organized and innovative approach to managing large scale litigation, including catastrophe litigation, and he has overseen thousands of bad faith and coverage disputes for both insurers and self-insured companies. David is presently applying this experience to handling large scale affirmative litigation projects for insurers, attacking questionable practices by medical providers, body shops, and unscrupulous attorneys. He also recently was retained as special bad faith counsel by a large personal lines insurer and tasked with handling all bad faith litigation for this company in Louisiana.

    When Hurricane Katrina struck the Gulf Coast, mass litigation threatened to bog down Louisiana courts and business at insurance companies. David led a group of lawyers from various firms to create the operating framework to approach these cases, each of which had its own values and issues. His settlement concept is now a model used by other insurer defendants facing a large number of catastrophe claims.

    In addition to Hurricane Katrina, David has been on the front lines of large scale bad faith litigation related to Hurricanes Gustav and Isaac, and has managed putative class actions, mass joinders and several hundred individual first party suits. He is often retained as special counsel nationally in mass bad faith litigation, particularly with regard to strategies for challenging policy holder experts such as engineers, public adjusters and contractors. He also provides in-house counseling to his clients on issues special to claims handling practices, and is a frequent speaker on the topic.

    • Defended and obtained zero verdicts in favor of insurers in commercial and personal lines bad faith coverage disputes in multiple trials
    • Obtained dismissal of bad faith claims and/or entire case on early creative motion practice and through summary judgment in multiple bad faith and coverage disputes
    • Obtained zero verdicts in multiple insurance fraud trials (arson, staged accidents, staged thefts, inflated property claims, inflated/improper medical care)
    • Obtained zero verdicts in trials of significant personal injury claims (liability and UM)
    • Developed favorable law on novel issue of class action tolling in the context of first party catastrophe cases resulting in the industry-wide dismissal or nominal settlement of several hundred cases
    • Forced voluntary dismissal by plaintiffs in multiple cases through the creative use of cell tower technology and social media
    • Obtained a summary judgment, affirmed by federal appellate court, in a significant breach of contract case over a denied flood claim, and in the process helped clarify the definition of a flood under the National Flood Insurance Program
    • Negotiated protocol in consolidated federal Hurricane Katrina insurance litigation regarding the State of Louisiana Road Home Program s review and consideration of settled insurance claims, thus facilitating the resolution of thousands of claims
    • Successfully handled significant maritime personal injury claims (Jones Act and LHWCA)

    2017 to 2018 Maximum Weekly Unemployment Benefits By State, Saving to Invest, unemployment wisconsin weekly claim.#Unemployment #wisconsin #weekly #claim

    Saving to Invest

    2017 to 2018 Maximum Weekly Unemployment Benefits By State

    Listed below are the latest maximum weekly unemployment insurance benefit/compensation amounts by state. The Unemployment compensation (UC) program is designed to provide benefits to most individuals out of work or in between jobs, through no fault of their own.

    Note, the table below contains the the maximum weekly unemployment insurance compensation (benefit) including adjustments for dependents where applicable. In most cases the number of dependents you have and average maximum weekly wage will impact the unemployment benefit you are eligible for. Please check the respective state unemployment website in the table below for state specific details, latest numbers and process to claim the benefits. The data in this post is informational only for reference.

    The Federal-State UC program is a partnership based upon federal law, but administered by state employees under state laws. Thus each state designs its own UC program within the guidelines of the federal requirements, which includes setting the benefit amount along with eligibility and disqualification provisions. There are significant differences between states so please visit the state unemployment for detailed rules and benefit calculation scenarios.

    The Emergency Unemployment Compensation (EUC), which provided federal benefits on top of the state benefits (up to 99 weeks of benefits), has now expired and is not longer available. You can see this article for more details, but as of now only state unemployment benefits are available to the unemployed.

    I will keep updating the table with annual state unemployment benefit changes and encourage you to follow this site via social media to get the latest updates. State unemployment benefit information is constantly changing so if you notice any discrepancies please leave a comment and I will update.

    Dept. of Economic Opportunity

    Steps to Filing an Unemployment Claim

    Contact the State Unemployment Insurance agency as soon as possible after becoming unemployed. Go the website to see if you can file electronic claims or to get the location/number of the nearest unemployment office.

    Have details of your former employment available. Make sure to give complete and correct information to ensure no delays with your claim processing. It generally takes two to four weeks after you file your claim to receive your first benefit check.

    Your state unemployment website (links in table above) will generally allow you to calculate your estimated state unemployment benefits prior to or when submitting a claim. You will need to have your income/wages earned during the four prior calendar quarters (base year period) and also number of hours worked in some instances for each of these quarters. Since the wages you earn can vary significantly from quarter to quarter, you may want to consider these differences in deciding when to file your claim. Refer to your local state s website for specifics on calculations and eligibility.

    The final amount of your benefit is determined after the State UI division process your application and validates income and employment duration with your employer(s).

    Taxation on Unemployment Benefits

    Unemployment insurance is taxable income and must be reported on your IRS federal income tax return. Your local state unemployment agency will send you form 1099-G to file with your tax return (see due dates). This form is sent in late January and outlines the amount of benefits paid to you during the previous year. You can choose to withhold income tax during the year with 10 percent being the maximum generally allowed.

    Claiming Benefits Across Multiple States

    If you worked and earned wages in multiple states you may be able to claim benefits from all these states relative to the income you earned. Generally you should first exhaust benefits from the state where you had the highest income and/or lived for the longest duration in the base year of figuring your claim. After which you can submit claims from the other states up to the maximum weekly benefit.

    Insurers and – Bad Faith – in Injury Cases, bad faith insurance claim.#Bad #faith #insurance #claim

    Insurers and Bad Faith in Injury Cases

    If you believe that an insurance company isn’t negotiating in good faith, what can you do? Key phrases commonly used in the insurance industry sometimes make adjusters sit up and take notice. When you are negotiating a settlement with your own insurance company (for example, as part of your uninsured or underinsured motorist coverage), bad faith can be one such phrase. Because your policy is a paid-for promise by your insurance company to provide you with insurance protection, the company has a duty to provide that protection and to negotiate and settle claims in good faith.

    Insurance companies for third parties also have a duty of good faith toward an injured person, but that duty is much less than the duty owed by your own company. A claim of bad faith against a third party s insurance company arises only if the company, through its adjuster, has engaged in outright lies or fraud or has interfered with your ability to pursue the claim (such as by tampering with a witness, withholding evidence, or the like). If you believe a third-party insurer has engaged in such outrageous behavior, it’s time to contact an experienced personal injury attorney.

    An adjuster for your own insurance company is not negotiating in bad faith just because you and the adjuster have a difference of opinion about how much your claim is worth. However, bad faith may exist if the adjuster for your own company has refused to give you any specific reasons for a very low settlement offer or has said or done something which might amount to an improper settlement tactic.

    If you believe the adjuster for your company is negotiating in bad faith, use the term in conversation with the adjuster. If you get no satisfactory response, you may want to put your accusation of bad faith in writing. In a bad faith letter to the insurance company, specifically refer to the conduct of the adjuster that you believe amounts to bad faith. Check out the “Sample Letter Claiming Bad Faith” below to get an idea of what this letter might look like.

    A written accusation of bad faith often gets prompt attention and, if justified, may rapidly provoke a change in the adjuster s settlement position. If an insurance company is proved to have acted in bad faith, it may be liable to pay damages to the insured well above the injury compensation amount. The rules about what is and is not bad faith vary from state to state, and it is extremely difficult to win bad faith damages in court. Nonetheless, in settlement negotiations, the mere possibility of a fight over bad faith often can help nudge a reasonable settlement offer out of an insurance company.

    Sample Letter Claiming Bad Faith

    Redhook, IL 00000

    Metropolitan Insurance Co.

    St. Louis, MO 00000

    Re: Your Insured, Alice Mendoza

    Claimant: Alice Mendoza

    Claim No.: 93-HQ1234

    Date of accident: January 13, 20xx

    This letter concerns the discussions you and I have had over the past several weeks concerning settlement of the uninsured motorist claim referenced above. You have made only one offer of settlement in the amount of $500. This offer bears no reasonable relationship to my injuries, since my medical expenses alone total $1,550. Yet you refuse to provide me with any explanation for your position.

    The only conclusion I can come to is that Metropolitan Insurance Company is refusing to negotiate in good faith.

    If no fair and reasonable settlement offer, or explanation for the lack of such offer, is made by July 1, 20xx, I will be forced to take further steps regarding Metropolitan s apparent bad faith.

    Learn More

    For a complete guide to the personal injury claim process, including what to do when the insurance company isn’t co-operating to your satisfaction, get How to Win Your Personal Injury Claim, by Joseph Matthews (Nolo).

    Kemper Direct – Auto and Home Insurance, Insurance Quotes from Kemper Direct, direct auto insurance claims.#Direct #auto #insurance #claims

    Auto and Home Insurance | Insurance Quotes from Kemper Direct

    Want to save money on insurance? Look no further! Kemper Direct is a one-stop solution, conveniently offering both auto and home insurance competitive rates online. Many of our customers who have switched to use have saved 20% or more on their car insurance policy and feature a Multi-Policy Discount on bundling auto and home for even more savings on both policies! We offer homeowners, renters, and condo insurance within our home products line. In addition to serving you direct home and car insurance, we deliver policy management services focusing on innovative payment options and coverage changes.

    Car Insurance Home Insurance Discounts

    We offer plenty of other car insurance and homeowners insurance discounts ranging from our Preferred Payer Discount™ to our Home Buyer Discount. Learn more about our car insurance discounts and homeowners insurance discounts.

    Are you ready to start saving? Enter your zip code to the right and get an online home or car insurance quote in just minutes!

    If you have any questions, just call us at 800.231.4743. One of our knowledgeable, licensed agents will be more than happy to provide you the information you need so you can select the best insurance coverage plan for you. We offer various home and car insurance coverage bundles and options to fit both your budget and lifestyle. Learn more about our car insurance coverage and home insurance coverage options to design an insurance plan customized to fit you or your family’s needs.

    Actual savings, if any, vary by state, coverage levels, and driver ratings.

    All statements are subject to the terms, exclusions and conditions of the applicable policy. In all instances current policy contract language prevails. Products, services and discounts referenced herein are not available in all states or in all underwriting companies. Coverage is subject to individual policyholders meeting our underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.

    Insurance Claims Information – Alliance Insurance Agency, direct auto insurance claims.#Direct #auto #insurance #claims

    direct auto insurance claims

    and 24 Hour/Direct Claim Reporting

    Printable Loss Forms

    using Adobe Acrobat Reader.

    Get it Free from Adobe!

    Click on the Adobe logo below

    Direct auto insurance claims

    First Report of Injury or Illness

    Direct auto insurance claims

    Direct auto insurance claims

    Direct auto insurance claims

    After business hours, on weekends or holidays, you can call the insurance company directly if they have a 24 hour claim center.

    Click here for a list of 24 hour numbers. If you call the insurance company directly, make sure you call Alliance Insurance Agency Services, Inc. the next business day. Once a claim is reported to an insurance company, you should hear from an adjuster within 1 or 2 business days.

    When you call Alliance Insurance Agency Services, Inc. or the insurance company directly, try to have any of the following information that pertains to your claim ready to speed up processing.

    • The location of the accident.

    • A description of the events leading to the accident.

    • The names and addresses of any injured persons.

    • Descriptions of any injuries.

    • If medical treatment was provided, at what hospital?

    • If there was property damage, the name and address of the property owner.

    • The estimated cost of repairs.

    • The names and addresses of any witnesses.

    • The police report (for auto accidents).

    When you have an automobile claim, it must be reported to the police. If the car is not driveable, have it towed to your preferred body shop or dealership if they are open. If not, have it towed to your house until you can talk to an adjuster.

    Broken Pipes – Call a plumber to determine the location and cause of the damage.

    Auto Insurance, direct auto insurance claims.#Direct #auto #insurance #claims

    Auto Insurance

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    • Car Insurance Companies Use Facebook for Claims Investigations – 09/04/2013

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    More in Auto Insurance

    When you really need it, you will be glad you took the time to purchase good car insurance. The purpose of the articles in this section is to prepare drivers with the right auto insurance policy before it is too late. Then, if trouble strikes, you and your family and your family’s finances will be protected.

    Everyone knows that car insurance can be expensive. However, in the Internet era, getting an online car insurance quote is fast and easy. With the resources and information we present here, it is easier than ever to compare auto insurance quotes. We will also tell you what differences exist between one auto insurance company and another. Basic coverage is described and comparative shopping strategies are clearly outlined. What about teenage drivers? We take a special look at shopping for car insurance for them. What if you have auto insurance but can’t keep up with the expensive premiums? We might be able to show you how to continue getting the coverage you need while reducing your payments. And, finally, what about the mysterious type of insurance called “gap insurance”? This is a form of auto insurance that usually applies to leased cars. In some cases, however, a car buyer might also need gap insurance. We’ll tell you when and how much to buy.

    If you are on the fast track, and need car insurance now, we’ve boiled down all our information into the easy-to-read “10 Steps to Buying Auto Insurance.” This series of short articles is followed by a checklist that will ensure that you won’t overlook any important details as you get the best coverage available.

    Home – Eastmans Chambers Barristers – Direct Access Barristers, cliams.#Cliams


    Direct Access Barrister of the Lincoln’s Inn, London

    Member of the Family Law Bar Association

    Member of the Chancery Bar Association

    Cliams Cliams


    Contact us:

    Tel: 0118 966 9094

    Mob: 0774 263 2322






    Family, Business, Chancery, Civil Litigation and Tax Law

    Main Areas of Practice

    • All aspects of Family Law
    • Divorce and Ancillary Relief
    • Probate and Inheritance Law
    • All aspects of Civil Litigation
    • All aspects of Tax Law
    • Defending Tax Investigations
    • Analysis of Financial Statements
    • All aspects of Business Law
    • Directors and insolvency
    • Chancery Law (General)
    • Corporate Law
    • Commercial Law
    • Money Laundering Law
    • Proceeds of Crime
    • Civil Fraud
    • Professional Negligence
    • Shariah Law
    • Pakistan Law

    Our head of Chambers Barrister M A Ajaz is a Direct Access Barrister and a member of the Honourable Society of the Lincoln’s Inn London. He is member of The General Council of the Bar, the Chancer Bar Association and the Family Law Bar Association which are based in London. He is a member of the Punjab Bar Association Pakistan and has Rights of Audience in Lahore High Court Lahore Pakistan. He is a Direct Access Barrister and you do not need a solicitor or any other third party to instruct him on any matter. However in some cases in order to protect the interests of clients a solicitor may be needed. He speaks English, Urdu, Hindi, Punjabi and Basic Arabic.

    He commenced his Professional Career in 1975 as a head of an Accountancy Firm in London which continued for more than 20 years. He was admitted as a Solicitor of the Supreme Court of England Wales in 2001 and in February 2002 he was authorised by the Law Society of England Wales to start his own law firm Ajaz Anderson Solicitors. He was admitted as a Solicitor Advocate by the Law Society of England Wales in 2004 and since then has exercised Higher Rights of Audience in Higher Courts of England Wales.

    He is frequently instructed by clients in Londonto resolve complex financial issues in the South East, Reading, other parts of England Wales and by his clients living in other parts of the World.

    Barrister Ajaz has exceptional analytical skills which have been recognised nationally and internationally. These analytical skills have assisted him to scrutinise the financial statements of all kind of businesses including national and multinational corporations, medium and small sized companies, partnerships and all kinds of owner managed businesses for commercial litigation work, dispute resolution and Ancillary Relief proceedings.

    He can present his client s evidence before the Courts in a simple and easily understandable format. The Courts find his work relating to financial matters easy to follow and understand. He represents Claimants and Defendants in all types of Disputes in all Courts in England Wales and other jurisdictions.

    His accountancy, auditing and taxation experience makes it easier for him to understand whether profits, assets, or liabilities have been understated or overstated for some wrongful purpose to achieve the desired results of a party. This usually occurs in financial settlements of divorce cases, minority shareholders disputes, professional negligence cliams, commercial litigation and all kinds of national and international Loss Claims.

    Barrister Ajaz has successfully settled matrimonial financial settlements involving assets worth millions of pounds/dollars/Rupees situated in the UK, North America, Malaysia, Ghana and Pakistan. He is experienced in international mediation work involving financial settlements in North America, Europe, the Middle East, Africa, South East and Far East Asia. He can be directly instructed by any individual or an organisation without the assistance of any middle man or by a firm of solicitors or any other organisation authorised to instruct barristers in England Wales.

    Barrister Ajaz is frequently instructed by clients in London, South East England, other parts of England Wales and Pakistan to resolve complex legal issues and to defend tax investigations by HMRC UK. He also takes instructions to resolve all Family law, Business Law, Corporate Commercial Law and Tax Law issues from existing and new clients based all over the World.

    Kemper Direct – Auto and Home Insurance, Insurance Quotes from Kemper Direct, direct auto insurance claims.#Direct #auto #insurance #claims

    Auto and Home Insurance | Insurance Quotes from Kemper Direct

    Want to save money on insurance? Look no further! Kemper Direct is a one-stop solution, conveniently offering both auto and home insurance competitive rates online. Many of our customers who have switched to use have saved 20% or more on their car insurance policy and feature a Multi-Policy Discount on bundling auto and home for even more savings on both policies! We offer homeowners, renters, and condo insurance within our home products line. In addition to serving you direct home and car insurance, we deliver policy management services focusing on innovative payment options and coverage changes.

    Car Insurance Home Insurance Discounts

    We offer plenty of other car insurance and homeowners insurance discounts ranging from our Preferred Payer Discount™ to our Home Buyer Discount. Learn more about our car insurance discounts and homeowners insurance discounts.

    Are you ready to start saving? Enter your zip code to the right and get an online home or car insurance quote in just minutes!

    If you have any questions, just call us at 800.231.4743. One of our knowledgeable, licensed agents will be more than happy to provide you the information you need so you can select the best insurance coverage plan for you. We offer various home and car insurance coverage bundles and options to fit both your budget and lifestyle. Learn more about our car insurance coverage and home insurance coverage options to design an insurance plan customized to fit you or your family’s needs.

    Actual savings, if any, vary by state, coverage levels, and driver ratings.

    All statements are subject to the terms, exclusions and conditions of the applicable policy. In all instances current policy contract language prevails. Products, services and discounts referenced herein are not available in all states or in all underwriting companies. Coverage is subject to individual policyholders meeting our underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.