Before you Start, unemployment claims.#Unemployment #claims


Before You Start:

Information You Need to Apply for UI

Your time is valuable and we want the claim filing process to go as quickly as possible, so we have identified critical items you should have immediately available regardless of which option you select to file your claim.

Information we will need:

  1. Your name (including all names you used while working) and Social Security number.
  2. Your mailing and residence address (including ZIP code) and phone number (including area code).
  3. Your state issued driver s license or ID card number, if you have either.
  4. The last date you worked for any employer. If you are working part-time be sure to tell us you are still working, give us the number of hours you are working each week, and tell us the last day you worked prior to filing a UI claim.
  5. Last employer information, including: name, address (mailing and physical location) and phone number. We will also need the ZIP code for both addresses (mailing and physical location) and the area code for your last employer s phone number. Be specific about the spelling of the employer s name and make sure the address is correct because we are required to mail a notice to that employer. An incorrect address will delay benefit payments.
  6. Information on all employers you worked for during the 18 months prior to filing your claim, including: name, period of employment, wages earned and how you were paid.
  7. The name of the employer you worked for the longest within the last year and a half; and the number of years you worked for that employer. This may or may not be the same as your last employer.
  8. The reason you are no longer working for your last employer. You may have quit, been laid off, fired, or left work because of a trade dispute. Be specific about the reason you are not working because the information you give to us must be sent to your last employer. If you quit, were fired, or left work because of a trade dispute, you will be scheduled to a future telephone interview. The information we obtain during the interview will help us decide if you are eligible to receive benefits.
  9. Whether you are receiving, or expect to receive any payments from a former employer. We ask about this because some types of payments may be deducted from your benefits. A few examples of payments that may be deducted include wages, pension payments, holiday pay, and vacation or sick pay. Severance pay is not deducted from unemployment insurance benefits and does not affect your eligibility to receive benefits. However, you must report severance pay at the time you file your unemployment insurance claim.
  10. Whether you are able to work and available to accept work.
  11. Whether you have a legal right to work in the United States. If applicable, individuals will be asked for their alien registration number. A comprehensive list of acceptable identity and authorization to work documents is available through United States Citizenship and Immigration Services.

Copyright 2017 State of California

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Employment Development Department Home, employment claims.#Employment #claims


employment claims

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

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

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

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

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Employment claims

Employment claims

Employment claims

Employment claims

Employment claims

Employment claims

Employment claims

EDD Closed for the Veterans Day Holiday

Employment Development Department offices will be closed on Friday, November 10, 2017, for the Veterans Day holiday. For Unemployment, Disability Insurance, and Paid Family Leave claimants, benefit payments may require an additional 1-2 days for processing. Visit the State Holidays page for more information.

EDD Disaster Services

If you have been impacted by the recent devastating fires in California, see Disaster Related Services for more information on EDD assistance available.



Comprehensive Background Check, Pre-Employment Screening, employment claims.#Employment #claims


Comprehensive

Employment claims

Employment claims

Reduce Legal Employment Problems – Thorough screening helps reduce or eliminate significant legal and employment problems such as negligent hiring liability, absenteeism, other discipline problems, and turnover.

Better Hires – With more information at an employer’s disposal, the employer can be more confident that a candidate’s attitude, skills, and experience match the position and organization. See, The Growing Trend to Thorough Background Checks.

Discover Fraudulent Claims – Because of the large number of applicants who make false claims, a comprehensive background check will help screen out dishonest employees. See, Fake Resumes, Fake References, Fake Degrees: Employer Beware! and Background Check Statistics.

Employer Success – The bottom line is that an employer will likely be more successful as a business or non-profit if comprehensive background checks are conducted. See, Improve Profitability: Dividends from Employment Background Checks.

Select additional searches based on employer and job requirements

  • County Civil Record Check: to determine history of civil litigation
  • Credit Check: for positions of trust regarding cash, convertible inventory, or finances
  • Federal Criminal Record Check: expands criminal record checks to include federal offenses
  • Global Homeland Security Search: checks Homeland Security databases around the world
  • License Verification — State/Federal: for positions that require a state or federal license
  • Medicaid Sanctions, OIG Excluded Parties: for staff of health care providers
  • Motor Vehicle Report: for positions requiring operation of company vehicles or driving on company business
  • National Wants and Warrants: an important supplement to County Criminal Record Checks (recommended for all applicants)
  • ‘Nationwide’ Criminal Database Check: useful supplement to County Criminal Record Checks
  • Professional Reference Checks: an important element of any background check (typically conducted by the hiring manager)
  • Sex Offender Registry Check: for health care, child/youth/elder care, teaching, residential management, hospitality, social services, and similar at-risk positions
  • ‘Statewide’ Criminal Records Check: useful supplement to County Criminal Record Checks
  • Workers’ Compensation History: reveals history of workers’ compensation claims

Add International Searches as needed

For information about international searches, see International Background Checks.

For information about Employment Drug Screening, see Employment Drug Screening.

We recommend that you background all your staff, including: full-time employees, part-time employees, temps, contractors, and volunteers.



Metro Insurance Services: Commercial and personal insurance solutions for Southern California, Orange County, Tustin, CA, southern owners insurance company claims.#Southern #owners #insurance #company #claims


southern owners insurance company claims

Southern owners insurance company claims

Southern owners insurance company claims

Southern owners insurance company claims

Southern owners insurance company claims

Southern owners insurance company claims

Southern owners insurance company claims

Southern owners insurance company claims

Southern owners insurance company claims

Nathan Smith Friday, May 13, 2016

Southern owners insurance company claims

Nathan Smith Friday, January 15, 2016

Southern owners insurance company claims

Nathan Smith Thursday, December 3, 2015

Southern owners insurance company claims

Nathan Smith Wednesday, April 22, 2015

Southern owners insurance company claims

Residential, commercial, and industrial construction companies can benefit from our in-depth knowledge of the industry.

Keeping your drivers and their trucks safe on the road is our first priority.

From software development to e-commerce, Metro can help establish risk protection.

Our expertise in large industries applies to small business as well. Dry cleaners, salons, print shops, etc can be placed with reputable carriers at affordable pricing. Call us first.

This handy index will help you understand commonly used terms and acromyms.

Southern owners insurance company claims

Southern owners insurance company claims

Southern owners insurance company claims We have to thank the staff at Metro Insurance. They reduced our premiums, they are a vital member of our team. -Don S. (Software development firm with 50+ employees)

Southern owners insurance company claims After over 25 years in business, I’ve found Metro to be simply the best, hands down. -Travis S. (Chain resteraunt owner)

Residential, commercial, and industrial construction companies can benefit from our in-depth knowledge of the industry.

Keeping your drivers and their trucks safe on the road is our first priority.

From software development to e-commerce, Metro can help establish risk protection.

Our expertise in large industries applies to small business as well. Dry cleaners, salons, print shops, etc can be placed with reputable carriers at affordable pricing. Call us first.

This handy index will help you understand commonly used terms and acromyms.

Southern owners insurance company claims

Southern owners insurance company claims

Southern owners insurance company claims We have to thank the staff at Metro Insurance. They reduced our premiums, they are a vital member of our team. -Don S. (Software development firm with 50+ employees)

Southern owners insurance company claims After over 25 years in business, I’ve found Metro to be simply the best, hands down. -Travis S. (Chain resteraunt owner)

Nathan Smith Friday, May 13, 2016

Southern owners insurance company claims

Nathan Smith Friday, January 15, 2016

Southern owners insurance company claims

Nathan Smith Thursday, December 3, 2015

Southern owners insurance company claims

Nathan Smith Wednesday, April 22, 2015

Southern owners insurance company claims

Get a quote now!

Southern owners insurance company claims

Southern owners insurance company claims.. Solutions .. Forms .. Get a Quote .. About Us .. Contact Us

2015 Metro Insurance Services. All Rights Reserved. Metro Insurance Services and the Metro logo are registered trademarks of Teknixs Services, Inc. Licensed by the California Department of Insurance (#OB95215) Use of this site is subject to our Terms of Use Agreement and Privacy Policy. Lost? Check our site map. Servicing Orange County, Los Angeles, San Diego, Tustin, Anaheim, Irvine, and the rest of California, Nevada, and Colorado. site map

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Admiralty and Maritime Law Guide – Marine Insurance, southern owners insurance company claims.#Southern #owners #insurance #company #claims


southern owners insurance company claims

Lex Mercatoria. Professors Healy and Sharpe have described the relationship between the United Kingdom’s Marine Insurance Act and the American law of marine insurance as follows: “While Congress has not restated the marine insurance law of the United States, the U.K. law of marine insurance was codified in 1906, when the Marine Insurance Act became law. Of course the Act does not apply of its own force in the United States, but U.S. and U.K. courts alike have recognized the desirability of uniformity in the law of marine insurance . . . . While some differences still exist, a considerable degree of uniformity has in fact been achieved, so that the Marine Insurance Act is not only a codification of U.K. law, but can be read as a reasonably close restatement of the still-decisional U.S. law of marine insurance.” Healy Sharpe, Cases and Materials on Admiralty 802 (3d Ed. 1999).

This is a link to a page at this site, which provides digests of U.S. Circuit Court of Appeals opinions that include marine insurance as an issue. Links to the full opinions are also provided.

American Institute of Marine Underwriters Southern owners insurance company claims

The Institute’s site contains an impressive amount of substantive information, including: a full list of Institute forms in downloadable format, copies of papers and reports from its seminars and meetings, national cargo insurance restrictions and state marine and pleasure craft exemptions.

Marine Insurance Seminars, Inc. is a not for profit corporation that provides continuing education for lawyers, insurance agents and brokers and insurance adjusters. Notably, the site includes the papers and presentations from the organization’s yearly seminars.

Kenneth Volk. This article from the Maritime Advocate discusses the state of marine insurance law in the United States in view of the Supreme Court’s Wilburn Boat decision. The 1955 decision held that state laws would govern marine insurance disputes in the absence of clear federal admiralty law.

Cornell Legal Information Institute’s links to state insurance laws.

Lex Mercatoria. Clause A (“All Risks”), Clause B (“Intermediate Cover”), Clause C (“Minimum Cover”), War Clauses, and Strikes Clauses.

Trafalgar International. Definitions of marine insurance terms such as abandonment, actual total loss, average, general average, particular average, peril, warranty of seaworthiness, sue and labor, utmost good faith, etc.

Lewis-Chester Group. This is a concise glossary explaining general insurance coverage terms (not limited to marine insurance).

Lloyd’s. Includes the latest procedural rules accompanying LOF 1995.

Includes a link to a page with firm bulletins on various marine insurance and shipping issues.



North Carolina Trial Law Blog: Useful list of insurance company claims phone numbers, southern owners insurance company claims.#Southern #owners #insurance #company #claims


North Carolina Trial Law Blog

Useful list of insurance company claims phone numbers

In NC, accident reports do not include the claims phone number for the liability insurance company. Here is a list of some claims phone numbers. Seriously think about calling a lawyer before you call the insurance company for the driver that hurt you. Call the Nichols Law Firm. The liability insurance company is NOT on your side..

Company Main claims number:

AIG Insurance Co. Personal: (800) 562-2208 Business: (877) 366-8423

Allied Mutual Insurance Co. (800) 282-9445

Allstate Insurance Co. (800) 386-6126

Amco Insurance Co. (800) 282-9445

American Casualty Co. (800) 437-8854

American Economy Insurance Co. (888) 557-5010

American Employers Insurance Co. In Mass.: (800) 284-6730Outside Mass.: (508) 549-9147

American Family Mutual Insurance Co. (800) 374-1111

American Home Assurance Co. Personal: (800) 562-2208 Business: (877) 366-8423

American International Ins Co. (800) 562-2208

American States Insurance Co. (888) 557-5010

Anthem Casualty Insurance Co. (800) 537-5568

Arbella Mutual Insurance Co. (617) 328-2800

Arkwright Mutual Insurance Co. (781) 890-9300 ext. 2502

Atlanta Casualty Co. (770) 447-8930

Atlantic Mutual Insurance Co. (800) 945-7461

Auto-Owners Insurance Co. (517) 323-1365

Berkshire Mutual Insurance Co. (800) 892-8877

Birmingham Fire Insurance of PA (877) 366-8423

Buckeye Union Insurance Co. (312) 822-5000

California State Auto Assn. Inter-Ins (800) 922-8228

Camden Fire Insurance Assn. (888) 421-2111

CIGNA Property Casualty Ins Co. (215) 761-1000

Cincinnati Insurance Co. Call your agent

Citizens Insurance Co. of America (800) 628-0250

Colonial Penn Insurance Co. (800) 523-4040

Commerce Industry Insurance Co. (877) 366-8423

Commerce Insurance Co. (800) 221-1605

Commercial Union Insurance Co. In Mass.: (800) 284-6730 Outside of Mass.: (508) 549-9147

Continental Casualty Co. (312) 822-5000

Continental Insurance Co. (312) 822-5000

Coregis Insurance Co. (312) 849-5000

Country Companies Insurance Group (800) 846-0100

CUMIS Insurance Society Inc (800) 637-2676

Dairyland Insurance Co. (715) 346-9200

Deerbrook Insurance Co. (800) 253-6611

DeSoto Insurance Co. (888) 823-9754

Explorer Insurance Co. In Calif.: (800) 788-8984 Outside Calif.: (858) 350-2400

Farmers Insurance Group of Cos. (888) 516-5656

Fidelity Deposit Co. of MD (800) 854-6011

Fire Insurance Exchange (323) 964-8911

Firemens Insurance Co. of Newark NJ (312) 822-5000

Foremost Insurance Co. (800) 527-3907

GEICO Indemnity Co. (800) 841-3000

General Accident Ins. Co. of America (CGU) (888) 421-2111

General Casualty of WI (888) 737-8256

General Insurance Co. of America (206) 545-5841

Georgia Farm Bureau Mutual Insurance Co. (912) 474-8411

Government Employees Insurance Co. (800) 841-3000

Grange Mutual Casualty Co. (800) 445-3030

Great American Insurance Co. (800) 724-7722

Great West Casualty Co. (800) 228-8040

Hanover Insurance Co. (508) 855-8000

Harleysville Insurance Cos. (800) 892-8877

Hartford Accident Indemnity Co. Personal: (800) 243-5860 Business: 1-800-327-3636

Hartford Casualty Insurance Co. Personal: (800) 243-5860 Business: 1-800-327-3636

Hartford Fire Insurance Co. Personal: (800) 243-5860 Business: 1-800-327-3636

Horace Mann Insurance Co. (800) 999-1030

Infinity Southern Insurance Co. (800) 334-1661

Indiana Farm Bureau Insurance (888) 392-5246

Insurance Co. of North America (215) 761-1000

Insurance Co. of the State of PA Personal: (800) 562-2208 Business: (877) 366-8423

Integon National Insurance Co. (800) 468-3466

Interinsurance Exchange Auto Club So. (714) 850-5111

John Deere Insurance Co. (800) 635-3377

Kemper Auto and Home 1-888-216-6066 Kemper Insurance Co.

Kentucky Farm Bureau Mutual Ins. Co. Call your agent Lexington Insurance Co. (877) 366-8423

Liberty Insurance Corp. (800) 526-1547

Liberty Mutual Fire Insurance Co. (800) 526-1547

Liberty Mutual Insurance Co. (800) 526-1547

Lumbermens Mutual Casualty Co. Call your agent Medical Liability Mutual Ins Co. (212) 576-9850

Mercury Insurance Group (800) 489-4001

Metropolitan Property Casualty Co. (800) 854-6011

Mid-Century Insurance Co. (323) 964-8911

Motors Insurance Corp. (313) 556-4632

National Fire Ins. Co. of Hartford (312) 822-5000

National Indemnity Co (402) 536-3000

National Union Fire Ins.Pittsburgh Personal: (800) 562-2208 Business: (877) 366-8423

Nationwide Mutual Fire Insurance Co. (800) 421-3535

Nationwide Mutual Insurance Co. (800) 421-3535

New Hampshire Insurance Co. (877) 366-8423

New Jersey Manufacturers Ins. Co. (609) 883-1300

New York Casualty Insurance Co. (800) 892-8877

North Carolina Farm Bureau Mutual Ins. (919) 782-1705 ext. 8693

North River Insurance Co. In Mass.: (800) 284-6730 Outside of Mass.: (508) 549-9147

Northern Assurance Co. of America (617) 725-7033

Occidental Fire Casualty Insurance Co. (800) 525-7486

Ohio Casualty Insurance Co. (513) 867-3000

Oklahoma Farmers Union Mutual Insurance Co. (800) 364-1511

Omni Insurance Co. (800) 727-OMNI (6664)

Pacific Employers Insurance Co. (215) 761-1000

Phoenix Insurance Co. (800) 252-4633

Preferred Risk Mutual Insurance Co. (515) 267-5299

Progressive Casualty Insurance Co. (800) 274-4499

Progressive Northern Insurance Co. (800) 274-4499

Progressive Northwestern Ins. Co. (800) 274-4499

Progressive Specialty Insurance Co. (800) 274-4499

Protection Mutual Insurance Co. (847) 825-4474

Reliance Insurance Co. (215) 761-1000

Republic Underwriters Insurance Co. (214) 559-1270

Rockingham Mutual Insurance Co. (800) 662-5246

Royal Insurance Co. of America (800) 842-1918

Safeco Insurance Co. of America (800) 332-3226

Scottsdale Insurance Co. (480) 948-0505

Selective Insurance Co. of America (973) 948-2900

Sentry Insurance a Mutual Co. (715) 346-9200

Shelter Mutual Insurance Co. (800) SHELTER

Southern United Fire Insurance Co. (800) 851-9476

Standard Fire Insurance Co. (800) 252-4633

State Farm Fire Casualty Co. (888) 613-3966

State Farm Indemnity Co. (888) 613-3966

State Farm Mutual Automobile Ins. Co. (888) 613-3966

Travelers (860) 277-0111

Trinity Universal Insurance Co. (214) 360-8039

Twentieth Century Insurance Co. (800) 211-7283

United Services Automobile Assn. (800) 531-8222

United States Fire Insurance Co. (800) 690-5520

USAA Casualty Insurance Co. (800) 531-8222

Utica Mutual Insurance Co. (800) 695-1914 Vesta Fire Insurance Corp. (800) 444-3928



Southern owners insurance company claims, southern owners insurance company claims.#Southern #owners #insurance #company #claims


J.D. Power names best and worst insurers for property claims

Southern owners insurance company claims Southern owners insurance company claims Southern owners insurance company claims Southern owners insurance company claims Southern owners insurance company claims

A recent study by J.D. Power puts Amica Mutual, Erie Insurance and Nationwide at the top for consumer satisfaction when pursuing property claims. The research firm has American Family Insurance and Automobile Club Group at the bottom.

J.D. Power asked 5,500 homeowners insurance policyholders how they felt about recent claims experience in key areas, including the final settlement, interaction with representatives and the estimate and repair process.

What separates the grins from the groans when dealing with claims? Not surprisingly, the companies that scored the highest received good marks for keeping their clients informed during every step of an often confusing and anxious time. And, of course, homeowners want to feel that the settlement is accurate and fair, said Jeremy Bowler, senior director of the insurance practice at J.D. Power.

The study found that a customer’s happiness depends quite a bit on the relationship with their agent. If policyholders become frustrated and take the claim to a supervisor, satisfaction drops significantly, Bowler added.

“The insurers really need to provide clarity and be able to answer all the questions, in a friendly and comprehensive way, as they come up,” he says. “It’s often the first time a consumer has ever filed a claim. The company needs to fill in the gaps for him and, to avoid frustration, fluidly pass the claim to the claims department.”

Here are J.D. Power’s homeowner insurance rankings, on a 1,000-point scale, with 840 being the industry average:

  1. Amica Mutual — with an overall score of 898
  2. Erie Insurance — 877
  3. Nationwide — 858
  4. Auto-Owners Insurance — 854
  5. Farmers and Liberty Mutual — both with 845
  6. The Hartford — 844
  7. Safeco — 842
  8. MetLife — 840
  9. Allstate and State Farm — both with 836
  10. Chubb — 834
  11. Travelers — 830
  12. CSAA Insurance Group — 817
  13. Auto Club of Southern California Insurance Group — 816
  14. American Family — 813
  15. Automobile Club Group — 776

Amica Mutual is at the top for the third year running, Bowler says. The report also pointed out that USAA received the highest score (905), but wasn’t included on the list because it only sells insurance to military personnel and their families.

The good news for all insurers is that overall consumer satisfaction has improved for the second year in a row.

“Compared with 2013, research findings in 2014 show that homeowners insurance customers who filed a non-catastrophic claim in the past year more often received a thorough explanation of their coverage when first reporting their loss; were more promptly notified of what damages were covered; and received their settlement nearly four days faster,” according to the report.

The study also looked at the repercussions of Superstorm Sandy, which caused billions in damage in the northeast in late 2012. Property owners, who were more optimistic shortly after filing claims, apparently became dissatisfied as the complicated process dragged on, Bowler says.

“It has been more than 16 months since Superstorm Sandy hit and its effects are still being felt,” according to the report. “Satisfaction among those who filed a claim for damage caused by Sandy averages just 830 in 2014, down from 846 among Sandy-related claimants surveyed shortly after the storm.”

Bowler added that “when major storms hit and insurers have to rely on third parties to assist in managing the large number of claims, service levels often deteriorate fast as each insurer has their own processes and approval requirements. This can sometimes lead to significantly extended claim cycle times.”

The “J.D. Power 2014 Property Claims Satisfaction Study,” now in its seventh year, made several points, including:

  • Overall satisfaction with non-catastrophic claims has increased by 11 points in 2014, compared with 2013 (843 vs. 832, respectively).
  • Overall satisfaction improved in four of the five key areas (settlement; estimation process; service interaction; and repair process) year over year, while satisfaction with first notice of loss is the same as in 2013. Claim settlement showed the biggest satisfaction rise (by 4 points).
  • When insurance companies effectively communicate with claimants, they’re less likely to escalate claims to a supervisor. When a supervisor becomes involved, customer satisfaction drops by more than 160 index points.
  • Early communication regarding claims also affects whether or not a supervisor becomes involved. “For example, if the settlement terms are provided to the claimant within one day of first notice of loss, only 6 percent of customers escalate the claim,” the report states. “The rate of escalation increases to 13 percent if the claimant is informed within one week and increases to 18 percent if it takes more than one week.”

Tips for filing a homeowners insurance claim

The Insurance Information Institute (III) suggests these steps when filing a claim:

  • Report any burglary or theft to police.
  • Phone your agent or company immediately. Insurance policies place a time limit on filing claims. Ask questions. Am I covered? Does my claim exceed my deductible? How long will it take to process my claim? Will I need to obtain estimates for repairs to structural damage?
  • Follow up your call with an explanation of what happened in writing, at the request of your agent or company.
  • Make temporary repairs and take other steps to protect your property from further damage. Save receipts for what you spend and submit them to your insurer for reimbursement.
  • Prepare a list of lost or damaged articles. Save receipts from any additional living expenses you incur if your home is so severely damaged that you have to find other accommodations while repairs are being made.
  • Provide needed information to the insurance representative assigned to handle your claim.

Southern owners insurance company claims Southern owners insurance company claims Southern owners insurance company claims Southern owners insurance company claims Southern owners insurance company claims



What companies have jobs for independent insurance adjusters, claims adjuster jobs.#Claims #adjuster #jobs


Claims adjuster jobsBlog

Claims adjuster jobs

Who Employs Independent Claims Adjusters? A Brief Explanation.

T he other day during a webinar the question came up “who employs Independent Adjusters?

It occurred to me that it would be helpful to write a post that would explain just who it is that independent adjusters work for, but first, let’s make sure we’re all on the same page about the definition of an independent adjuster.

Staff adjusters, also known as company adjusters or employee adjusters, work directly for an insurance company as W-2 salaried employees.

Independent adjusters (IA’s) on the other hand, have a broader definition. Like staff adjusters, they also adjust claims on behalf of the insurer, but not directly as an employee of the insurer. Typically they re contracted through a third-party claims-handling company, or IA firm . So the insurer outsources the claim to one of these third-party claims-handling companies, who in turn assigns it to an independent adjuster.

Historically, independent adjusters have worked as 1099 independent contractors, but that has changed significantly over the last several years. For legal and liability purposes, the current practice is for employers to hire IA’s as W-2 employees, even for seasonal or catastrophe deployment. For sufficiently short deployments, IA s are sometimes hired as seasonal employees (a status that has some similarities to working as an independent contractor). Finally, although more rare today, some smaller employers still contract claims out to IA s as independent contractors.

Staff adjusters and independent adjusters usually have different licenses and licensing requirements. One requirement difference has to do with what’s called “appointment”. Staff adjusters are appointed to their employer, but independent adjusters can be self-appointed. For example, if Jane got a job with Acme Insurance in Texas, she’d apply for an staff adjuster license, listing her appointment as Acme. When she is licensed, she has authority to adjust claims for Acme, but does not have authority to handle claims for Pinnacle without first changing her appointment with the Texas Department of Licensing. IA’s, on the other hand, list their own name as the appointing entity, and are free to handle claims for any company.

So exactly who are these third-party claims-handling companies? Although I’ve met the odd adjuster with an arrangement to adjust claims directly for an insurance company (usually a small one), it is much more common to find independent adjusters working for a claims-handling company. These companies are commonly called IA firms (Independent Adjusting firms), but sometimes TPA s (Third-Party Administrators) or Bureaus , depending on the type of claims they handle. IA firms exist out of economic and statutory necessity; continually staffing all of the adjusters that would be needed to handle a massive number of claims from a major catastrophe within the state-required time limits would be very impractical. Therefore, the relationship between IA firms and carriers has evolved over time to where insurance companies fully rely on IA firms’s to handle major events or even spikes in local “daily” claims. There are quite a few IA firms. Hundreds, if you count the mom-and-pop outfits throughout the country. A few IA firms are very large, with annual revenues reaching towards half of a billion dollars, boasting tens of thousands of adjusters on their rosters and handling claims internationally.

This arrangement has lead to some interesting aspects of our industry. The insurance companies want the convenience of a large pool of overflow adjusters available through IA firms when there is a claims spike. They don’t , however, want to lose the control over the entire claim experience that they have when they handle their own claims. This creates a tension in the business, and puts a lot of pressure on the IA firms. These Independent Adjusting Firms are all vying for contracts with insurance companies, by seeking to assure them that they can do a better job of handling claims for them than their competitor. The larger, more successful IA firms have contracts with large, well-known insurance companies, and the pressure for these companies to perform and stay in good graces with them is intense. These insurance companies have elaborate methods of evaluating the performance of the IA firms to whom they contract, and – based on that rating – the IA firms can win or lose large percentages of that insurance company’s claims year-to-year.

So what does this mean for the Independent Adjuster? First, you should know that the IA firms never have enough qualified adjusters; they’re always looking to fortify their rosters with more and better adjusters. The promises they make to the insurance companies are huge, and they must have the manpower to perform. That’s the good news; IA firms always want more qualified adjusters. Of course the flip-side of the coin is that if they hire unqualified adjusters, they can do great damage to their relationship with their clients, the insurers (not to mention the tremendous burden and cost of trying to manage sub-par adjusters during a catastrophe). Now you understand why companies seem so picky about whom they hire.

The bottom-line message, though, is good news; the industry is strong, and talent is in demand.

For a list of firms that hire independent adjusters, please see our Independent Adjusting Firm Directory.



Insurance Claims Adjuster Training, Jobs – Career Services, claims adjuster jobs.#Claims #adjuster #jobs


claims adjuster jobs

The MHA Scope Writing Team is comprised of Xactimate Level III licensed adjusters that review your file notes in detail, confirm that all the necessary information is included, produce a scope in Xactimate and work diligently to return your file(s) within *48 hours.

Claims adjuster jobs

Claims adjuster jobs

Claims adjuster jobs

Claims adjuster jobs

Claims adjuster jobs

Claims adjuster jobs

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Adjusting, Appraisals, Expert Witnesses

Claims adjuster jobs

Do you need an independent appraisal or an expert witness for litigation or claims support? Mile High Adjusters employs the resources to provide superlative quality of service in these fields. A qualified third party can provide the credibility required to support your claim and achieve the results you deserve. Call the MHA Team today and learn how we can best serve you!

Mile High Training Facility

Claims adjuster jobs

The Mile High House is the newest addition to our training facility. With a full frame, roof, doors, windows, siding, insulation, drywall, kitchen, and bathroom, this is an essential tool for new or inexperienced adjusters to learn advanced scoping techniques in a hands-on setting. This facility can also be very beneficial to the experienced adjuster who is looking to improve their efficiency in the field. As we all know, there is no perfect substitute for real-world claims handling, but the Mile High House in combination with our experienced instructors comes pretty close.

Claims adjuster jobsClaims adjuster jobs

Professional Experience

At Mile High Adjusters, you’ll find a high-quality claims adjuster training and licensing school staffed by instructors who are also Xactimate property claims software professionals. In addition to providing the insurance adjuster job training that helps our students find claims adjuster jobs, we provide catastrophe and daily insurance claim management services.

In order to efficiently address our clients’ needs, we utilize the most current technology. But technology would get us nowhere without the care and attention we show about meeting our customers’ needs. In all we do, we show how much we want to meet your needs.

Personalized Service

Claims adjuster jobs

Mile High Adjusters strives to serve our clients’ and customers’ needs and to exceed their expectations. Our goal is not simply to get individuals licensed to handle insurance claims, but also to produce professionals through our thorough claims adjuster training process. We understand claim management has evolved over the years, which is why we complement the process by delivering quality insurance claim management by professional and well-trained claims adjusters.



Get a free quit claim deed form, quick claims deed.#Quick #claims #deed


quick claims deed

Free Quit Claim Deed Form

Quick claims deed

A quit claim deed form is a legal document used to transfer property between two or more people. Quit claim deeds are prepared by a GRANTOR the person or persons transferring interest of a piece of property and then signed over and assigned to a GRANTEE the person receiving the property.

Quick claims deedOnce signed and executed the GRANTOR quits his or her ownership or rights to the property, allowing the GRANTEE to assume those rights and the transfer of the property.

Unlike a warranty deed, a quitclaim deed form does not provide the GRANTEE warranty on the title. A quit claim deed is most often used to transfer property between family members or assign property into a trust.

Quit claim deeds come in handy during divorce proceedings and are very useful if you need to transfer property quickly. You can also use a quit claim deed if you want to give property as a gift to someone.

How to Prepare a Quit Claim Deed Form

Take a look at our sample quit claim deed form below. You can click anywhere on the form to be taken directly to our free quit claim deed form or just click here to download a quit claim deed pdf.

To fill out a quit claim deed, first you need to date the document and fill in the GRANTOR and GRANTEE names and addresses. Next, you need to add the address of the property that is to be transferred and a full description.

Then, you date the form again and the GRANTOR signs and prints his or her name in the space provided (note this must be done in the presence of a notary). And, finally, there is a space to put your state and county where the quitclaim deed form is to be filed.

That s all there is to it your part is done! The only thing left to do is to get the quit claim deed notarized.

Quick claims deed

The notary will date, sign and seal your quit claim deed and then you can take it to your county clerk s office to be recorded in the land registry. Your notary will take care of the following documentation:

Quick claims deed

Difference between a Quit Claim Deed and a Warranty Deed

A warranty deed is used when transferring ownership of property between a buyer and seller. Warranty deeds guarantee that the seller owns the property and that the title is free and clear of all claims.

A quit claim deed is also used to transfer ownership of property. However, there is no guarantee that their aren t any liens against the property. With a quit claim deed, the owner of the property quits ownership and conveys his interest in the property to someone else.

Quit claim deeds are most often used between family members when gifting property and during a divorce. Use a quit claim deed for fast transfer of property. Use a warranty deed when you buy property to make sure that the title is clear.

Why is it Called a Quitclaim Deed?

You may have heard the name called or saw it spelled quick claim deed form, quitclaim deed form, quit-claim deed form or quit claim deed form. Fact is, all of the above names for quit claim deed are okay to use. Believe me, your county clerk will know what you want if you ask for a quick claim deed.

However, the proper spelling of the document is quitclaim deed. It is called a quitclaim deed because that is exactly what it does it quits any claim or right to a piece of property a person may have.

When to use a Quit Claim Deed Form

There are many instances when a quit claim deed can be used to transfer property fast. A quit claim deed can be filled out online and printed quickly. You can use a quit claim deed form to:

  • Remove someone s rights to the property during a divorce.
  • Gift a piece of property to a family member or some other person.
  • Buy or sell real estate with your business.
  • Correct the way a name is spelled on a previous written deed.
  • Clear any leftover interest in a piece of property
  • Transfer property into a trust.
  • Clarify the ownership of property in a marriage and more.

Do I Need a Lawyer to Fill Out a Quit Claim Deed?

No, you do not need to hire an attorney to fill out a quit claim deed. That being said, there is no substitute for good legal advice. If you have questions about your specific situation, we strongly suggest that you consult an attorney. If you know what you need, though, feel free to follow the link below:

Quit Claim Deed Sample

Quit claim deeds are used to transfer ownership of real estate between two parties. You can download our free quit claim deed sample form instantly today below.

Quit claim deeds are most commonly used to assign ownership of property when the property is gifted. For example, parents often elect to use a quit claim deed to give property to children. Quit claim deeds are commonly used by family members to transfer real estate when warranty deeds are not needed.

Once signed, witnessed and sealed, a quit claim deed gives the grantor the right “quit” his or her interest in the property, thus transferring ownership in the property to the grantee. Whether it s called a quit claim deed, quitclaim deed or quick claim deed, it does the same thing.

Download a Quit Claim Deed Sample Form

You can use our sample quit claim deed for practice before filling out your original deed. Fill free to copy or download our quit claim deed sample form below:

Quick claims deed

To prepare your quit claim deed, date the form and fill in the grantor and grantee section and enter the address and a full description of the property to be transferred.

Next, the grantor takes the deed to a notary to sign and seal it. Once notarized, your quit claim deed should be taken to the county clerk s office to be filed.

How to File a Quit Claim Deed

To file a quit claim deed, take the original deed to your courthouse and go to the county clerk’s office. It could also be called the county recorder or deed registry office – it’s wherever the land records are kept in your county.

For a small fee, the county clerk will make a copy of your quit claim deed form and sign, stamp and date the two deeds. The clerk will then give the original back to you and file the copy in the local land records to record the deed.



Deed of Variation – Changing a Will after Death – The Probate Department Ltd 03 300 102 300, quick claims deed.#Quick #claims #deed


The Probate Department Ltd 03 300 102 300

Quick claims deed

Deed of Variation or Post Death Variation of Will or Intestacy

with Deeds of Variation

A Deed (or post death) Variation or post death has the effect of writing the wording of the Deed into the terms of the deceased’s Will or the intestacy (no valid Will) for tax or other

Deed of Variation

reasons. So they are effective, retrospectively, to the time of death. The estate is then charged Inheritance Tax based on how the deed has amended the original recipients.

The beneficiaries and trustees of a deceased’s estate may wish to rearrange the distribution of the assets for a number of reasons. The main ones being either to redirect assets to those who are less well provided for or to save tax, in particular Inheritance Tax. To make the desired tax saving that a variation may be able to offer, the beneficiaries must complete the post death variation within two years of the deceased’s death.

Contact us to discuss Deeds of Variation and whether it is right in the circumstances some are totally unnecessary and of no real benefit! Obviously, we can also help with obtaining probate in the first place. Ideally the deed would be organised at the same time as probate, but it isn t crucial (though the time limits are).

If the deed of variation results in more Inheritance Tax being payable by the estate then the personal representatives (executors) dealing with the estate must also join in this statement. The executors can only refuse to do so if there are not enough assets to meet the extra liability.

If a statement to this effect is not given, the redirection of assets will be classed as a Potentially Exempt Transfer (PET) by the beneficiary or a transfer of value on which further Inheritance Tax may be payable at once. (A PET is a potentially taxable gift. No immediate tax, but extra IHT could become payable in certain circumstances.)

Deed or Post Death Variation and Capital Gains Tax.

The situation for Capital Gains Tax is similar. A special statement must be made within the deed of variation. Although no CGT is payable on death, the inclusion of such a statement prevents the redirection of assets being taken as a disposal by the person who would otherwise have received them. Because of the necessity to include a statement as to the writing back effect it is entirely possible to use this aspect only where it is beneficial.

If a statement is not included as far as IHT is concerned, then the property is treated as having passed to the original beneficiary. The beneficiary is then classed as making a gift (a potentially exempt transfer or PET.) That means that if he or she survives for seven years then the transfer will normally escape more tax. However, if she/he dies within the seven year period then (extra) IHT will become chargeable. The effect of using the statement within the deed of variation depends on several factors such as whether the original or new beneficiaries are exempt.

What can be varied in a Deed of Variation?

It is possible to vary ‘any of the dispositions (whether effected by Will, under the law about intestacy or otherwise) of the property comprised in the estate immediately before death’ (IHTA 1984 s142). Deeds of Variation can even be used where an asset passes outside of the estate. For example; where property is held as joint tenants and has passed automatically to the surviving co-owner then the co-owner can choose to vary this effect by carrying out a retrospective severance. The effect of this severance is that the whole property does not automatically pass to the survivor. It may be better for the deceased share of the property to go into trust for example.

There are assets which cannot be the subject of a deed of variation. These include any property in which the deceased had an interest in possession. Also property to which the deceased was classed as having an interest by the application of the reservation of benefit rules . Both of these may attract inheritance tax on death. But they are specifically excluded from being the subject of a post death variation by section 142. In effect, they are the result of Inheritance Tax planning not being up to date at the time of death. Our Tax barrister does offer an Inheritance Tax Planning service.

Income tax and deeds of variation.

There are no specific income tax provisions equal to the Inheritance Tax and Capital Gains Tax provisions. This means that income received by the original beneficiary before the deed of variation will be taxed as income of the original beneficiary even if the entire income received since the date of death is given up.

Contact us if you feel a variation might be right for you an initial chat is free. Please remember that we are a business, and whilst we are always happy to have a brief exploratory chat, we do charge (modestly) for our time. For details of our fees for deeds of variation click.



New Transfer on Death Deed in California, A People – s Choice, quick claims deed.#Quick #claims #deed


quick claims deed

New California Transfer On Death Deed

There are several ways an owner of real property can direct the transfer of real property when they die. Up until recently, the most common way was through a trust, will or owning the property in joint tenancy with another person or persons. Effective January 1, 2016, there is now a new way California allows real property to be transferred upon a person’s death and avoid probate.

Governor Jerry Brown signed Assembly Bill 139 which established a procedure to transfer real property upon death through a revocable transfer on death deed. This revocable transfer on death deed is a new simple and inexpensive way to transfer real property to a beneficiary in California. The deed allows a person to leave their real property to a designated person or persons such as a family member, friend, life-long partner or other loved one, without having to set up a living trust.

Criteria For Transfer on Death Deed (TOD Deed)

The new TOD (transfer on death) deed allows an owner of residential real property to name one or more beneficiaries to receive the property when the owner dies, thus bypassing the need to probate the estate. There are some specific criteria, however, that a person should be aware of when considering recording a revocable transfer on death deed.

  • The real property must be a single family home or condominium unit, or a multiple residence of not more than 4 residential dwelling units, or be a single family residence on no more than 40 acres of agricultural land.
  • A revocable TOD deed must be signed and dated before a notary public to be effective and valid.
  • The transfer on death deed must be recorded within 60 days or less from the date it is signed.
  • The transfer on death deed can be revoked by the transferor at any time.

A Transfer On Death Deed may be a great option for a person whose only asset is the home in which he or she lives.

Revoking a Transfer on Death Deed

There are three ways the transferor/owner can revoke a transfer on death deed.

  1. The owner can record a formal notice of revocation.
  2. A new transfer on death deed may be recorded.
  3. The real property can be transferred to someone else prior to the transferor s death.

Although the transfer on death deed must be recorded within 60 days or less from the date it is it signed and before the owner s death, it is important to understand that the interest in the real estate only transfers when the owner dies. This means that the beneficiary identified on the TOD deed does not have any rights to the real property when the owner is alive. Furthermore, creditors of a named beneficiary cannot place any liens on the property. While the owner is living, the owner has the right to sell or encumber the property. The property is also subject to involuntary liens that may be recorded by creditors of the owner which would transfer with the property to the beneficiary upon the owner s death.

In theory, a person that owns real property in California could execute and record more than one revocable transfer on death deed. The new law provides that the deed with the most recent recording date will be the one in effect.

Transfer on Death Deeds and Joint Tenancy

If you co-own the property as joint tenancy or community property with right of survivorship, the other owner automatically receives your share of the property upon your death. The TOD deed has no effect unless you outlive the other joint tenant. In this regard, co-owners may consider signing separate TOD deeds if they both want the same beneficiaries after both die. A better solution, however, would be to set up a living trust.

Downsides to a Transfer on Death Deed

If the person named in the deed as the transfer on death beneficiary dies before the real property owner does, the deed simply has no effect. This could result in the property having to be probated.

If the owner becomes incapacitated through stoke, dementia, or other event, there may be no one to revoke the deed which may be necessary due to a change in family circumstances or the need to qualify the person for Medicaid assistance.

If the Transfer on Death deed is not timely recorded within the statutory deadline (60 days or less from the date it is signed) the TOD deed becomes invalid. We recently had this situation happen to an individual who was attempting to record TOD deeds rather that set up a living trust. The TOD deeds were prepared and, as they requested, we sent to them client so they could record them. Unbeknownst to anyone, the client failed to timely record the deeds and then within a very short period of time died. By the time it was realized by the beneficiary that they had not been recorded, the TOD deeds had became invalid. The estate is now having to be probated. For these reasons, Transfer on Death Deeds should only be used as a last resort if there is not sufficient time to prepare proper estate documents.

Trust vs. New Transfer on Death Deed

For people with very few assets, recording a Transfer on Death Deed may be a quick and easy fix to set up beneficiaries to real property and avoid probate as compared to setting up a revocable living trust. However, since this transfer on death deed only directs the transfer of real property, it is not a great solution for people or couples that have minor children or have other assets that would be better administered through a trust. Additionally, since the transfer is to specific beneficiaries, problems could arise if the named beneficiaries are no longer living. Lastly, a person or couple with minor children should not name their minor children on a TOD deed. Under California law, although a minor may own real property or an interest therein, they may not convey or make contracts relating to real property. Refer to California Family Code Section 6701 which provides that minors cannot enter into contracts relating to real property, or personal property not in their immediate possession and control, and they cannot give a delegation of power. California Civil Code § 1556 also provides that minors are incapable of contracting. Therefore, since a minor cannot sell or purchase property held directly in his or her own name, transactions involving a minor s interests in real property are best set up through a trust, custodian or guardian, for the benefit of a minor. The California Uniform Transfers to Minors Act (CUTMA) makes provision for the transfer of property to an adult custodian for the benefit of a minor. The custodian would then hold, control, manage, and invest the custodial property on behalf of the minor. When the custodianship terminates, title to the custodial property can then be transferred to the minor or the minor s estate.

If you are considering using a Transfer on Death Deed as part of your estate plan, contact A People s Choice. We offer professional, low-cost options for all your estate planning needs.



Insurance Claims Adjuster Training, Jobs – Career Services, property claims adjuster jobs.#Property #claims #adjuster #jobs


property claims adjuster jobs

The MHA Scope Writing Team is comprised of Xactimate Level III licensed adjusters that review your file notes in detail, confirm that all the necessary information is included, produce a scope in Xactimate and work diligently to return your file(s) within *48 hours.

Property claims adjuster jobs

Property claims adjuster jobs

Property claims adjuster jobs

Property claims adjuster jobs

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Property claims adjuster jobs

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Adjusting, Appraisals, Expert Witnesses

Property claims adjuster jobs

Do you need an independent appraisal or an expert witness for litigation or claims support? Mile High Adjusters employs the resources to provide superlative quality of service in these fields. A qualified third party can provide the credibility required to support your claim and achieve the results you deserve. Call the MHA Team today and learn how we can best serve you!

Mile High Training Facility

Property claims adjuster jobs

The Mile High House is the newest addition to our training facility. With a full frame, roof, doors, windows, siding, insulation, drywall, kitchen, and bathroom, this is an essential tool for new or inexperienced adjusters to learn advanced scoping techniques in a hands-on setting. This facility can also be very beneficial to the experienced adjuster who is looking to improve their efficiency in the field. As we all know, there is no perfect substitute for real-world claims handling, but the Mile High House in combination with our experienced instructors comes pretty close.

Property claims adjuster jobsProperty claims adjuster jobs

Professional Experience

At Mile High Adjusters, you’ll find a high-quality claims adjuster training and licensing school staffed by instructors who are also Xactimate property claims software professionals. In addition to providing the insurance adjuster job training that helps our students find claims adjuster jobs, we provide catastrophe and daily insurance claim management services.

In order to efficiently address our clients’ needs, we utilize the most current technology. But technology would get us nowhere without the care and attention we show about meeting our customers’ needs. In all we do, we show how much we want to meet your needs.

Personalized Service

Property claims adjuster jobs

Mile High Adjusters strives to serve our clients’ and customers’ needs and to exceed their expectations. Our goal is not simply to get individuals licensed to handle insurance claims, but also to produce professionals through our thorough claims adjuster training process. We understand claim management has evolved over the years, which is why we complement the process by delivering quality insurance claim management by professional and well-trained claims adjusters.



Claims Adjuster Job Description – Job Descriptions, property claims adjuster jobs.#Property #claims #adjuster #jobs


Claims Adjuster Job Description

Individuals and business owners purchase insurance policies as a means of protecting their assets. In case of a loss, policyholders submit a claim for payment to their insurance company so that they can be compensated for the loss. A Claims adjuster’s job is to handle the claims that policyholders and claimants file with the insurance company. Claims adjusters have the job of thoroughly investigating a claim, determining if payment is warranted, negotiating a financial settlement on the claim, and authorizing payments to the policyholder or claimant.

Job Responsibilities

Once the policyholder makes a claim on their insurance policy, the claims adjuster will first investigate the claim in order to determine if the policy will cover the damages that are being claimed. The adjuster will also investigate the claim in order to determine if the claim is legitimate. This is necessary part of a claims adjuster’s job since many policyholders file fraudulent claims each year as an attempt to get money from the insurance company.

Claims investigation requires interviewing policyholders, claimants and witnesses. In many cases, other members of the community need to be interviewed by the claims adjuster as well. Police officers, physicians, lawyers, accountants and other professionals often have to make statements during the claims investigation process. Other information that a claims adjuster may have to collect include hospital records, photos of property damage, videos of damage occurring and other pertinent information required to fully evaluate a claim.

This type of in depth investigation is especially required if criminal activity or fraud is suspected. If the adjuster determines that the claim on the policy is legitimate, the adjuster will then negotiate a settlement amount. The claims adjuster will finally decide how much money will be paid out to the policyholder or claimant in damages.

Training and Education Requirements

Most insurance companies prefer that claims adjusters have a college degree, but this is not a requirement. Each employer has specific requirements for a claims adjuster positions. Most employers prefer experience in the insurance industry, while others simply require a background in accounting and business. Those with no experience in the industry may qualify for a claim’s adjuster’s job with a degree in business, finance, accounting or law.

Claims adjusters generally have to complete on-the-job training courses prior to handling claims. This training is pretty thorough and may last a few weeks to a few months depending on the insurance company. Training generally covers state laws, county laws, the claims investigation process, determining payment, the various types of insurance policies and a myriad of other topics necessary to perform the job.

Since effective communication is essential for the job, a claims adjuster must also receive training in this area. Claims adjusters work closely with policyholders, claimants, witnesses, local business owners as well as other professionals within the insurance company; it is imperative that a claims adjuster has the ability to communicate effectively. Claims adjusters must also maintain a good driving record and a valid driver’s license since travel is often required for the job.

Claims Adjuster Salary and Wages

The salary of a claims adjuster varies greatly. According to the Bureau of Labor and Statistics, the average starting salary for a claims adjuster with no experience is 27,000 per year. The average median salary for a claims adjuster is $43,000 per year. The highest ten percent of claims adjusters earn over 71,000. The lowest 10 percent of claims adjusters earn less than $26,000 per year.*

*According to the BLS, http://www.bls.gov/oco/

Along with a regular salary, claims adjusters earn significant bonuses. There is also a significant opportunity for adjusters to earn additional money during natural disasters such as hurricanes, earthquakes and tornadoes since so many experience property damage and flooding of their homes and businesses during these catastrophic times.

Certifications and License Requirements

Claims adjusters are required to maintain a license in their State of employment. The licensing requirements vary for each state. While some states have just a few requirements to obtain an adjusters license, other states require both pre-licensing courses and a passing score on the state licensing exam. Some states even require post-licensing education in order to maintain an adjuster’s license.

Most employers hire claims adjusters prior to them receiving a license. Employees generally receive job training and are required to pass state exams prior to working with policyholders and making decisions on claims. Post licensing courses are required by many employers. The updated knowledge that the adjusters receive will help to make sure that they are extremely effective in handling claims.

There are some states which allow adjusters to practice under the company’s license, meaning that the adjuster will not have to become licensed themselves. These adjusters, however, still have to undergo job training in order to maintain a position as a claims adjuster.

While certification is not required, many claims adjusters choose to pursue professional certifications from private companies so that they are independently recognized for their professional expertise.

Professional Associations

The national professional association for claims adjusters is the National Association of Independent Insurance Adjusters (NAIIA.) This organization currently has over 300 property and casualty claims adjusting companies affiliated with them. The companies affiliated with this organization are all independently owned. The mission of the NAIIA is to serve the needs of independent claims adjusters as they work hard to serve the members of their communities.

Property claims adjuster jobs

National Association of Public Insurance Adjusters (NAPIA) is another organization designed to join claims adjusters together in order to promote a specific code of conduct, assist with certification, and to assist adjusters in filing insurance claims when necessary. This is a professional organization with members all across the United States.

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Insurance Claims Adjuster, property claims adjuster jobs.#Property #claims #adjuster #jobs


Insurance Claims Adjuster – Claims-Portal.com insurance claim, insurance claims jobs, insurance claims, insurance claim jobs, insurance training, adjuster training, claims training, independent adjuster, independent adjusters, insurance adjuster, insurance adjusters, insurance claims adjuster, catastrophe claims adjusters

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Edith “Edie” Windsor, who sued the government for failing to recognize her marriage to her late spouse, Thea Spyer, asked the U.S. Supreme Court today to hear her challenge to the so-called “Defense of Marriage Act” (DOMA). Full Story

In addition to suspending the 10 percent surcharge rule on property insurance provided by Louisiana’s property insurer of last resort in certain coastal parishes, recently passed state legislation includes provisions for allowing electronic proof of Full Story

This year’s Atlantic hurricane season got off to a busy start, with six named storms to date, and may have a busy second half, according to the updated hurricane season outlook issued today by government weather forecasters. Full Story

A former Plainville, Conn., doctor has been sentenced to four months in prison for dealing prescription drugs Full Story

Property claims adjuster jobs



Confessions Of An Insurance Claims Adjuster, auto claims adjuster jobs.#Auto #claims #adjuster #jobs


Confessions of an insurance claims adjuster

Auto claims adjuster jobs

Photo credit: Frank Veronsky

Ever wonder what it’s like to be an insurance claims adjuster? We asked New York-based Scott Congiusti, assistant vice president of claims for HUB International insurance brokerage, to take us behind the scenes of a claims adjuster’s life.

A lot in common with being a cop

I was working as a police officer in New Jersey when I fractured my back in an off-duty accident. During my recovery, I started looking at what I could do in the private sector and wound up hiring on with Allstate, handling automobile claims. It was a good mental fit because I like figuring things out and I function best under high stress. A mundane, sedentary job would drive me nuts. Strangely enough, a lot of adjusters have a criminal justice degree; they just might not like shift work or carrying a gun.

Every day starts with the hotline

You come in every day and you have a list of automobile claims assigned to you from the 24-hour hotline. If I was lucky, I’d have two or three, but it was usually more. Still, I had more information from the hotline than I did in law enforcement, where somebody would call and say, “There’s a fight in progress,” but you didn’t know what caused it or how many were involved.

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Camera required, other gear optional

Absolutely the most important tool is a digital camera, cellphone or tablet to capture photos. You also need a lengthy tape measure, and maybe a moisture meter to detect standing water behind walls or under floors. In a catastrophe, you need protective gear and a ladder in case you have to climb on a roof. And regardless of technology, I still carry a notepad, because depending on where you are, it’s not always practical to carry a $2,000 tablet around with you.

Adjuster styles differ by insurance types

There are definitely differences between working for a publicly traded, stock-held company and (and working for) a mutual company where the clients own the company. Stock-owned companies are a little more black and white on procedures, because they’re large and have thousands of adjusters. With mutuals, the policyholder is also a shareholder, so they tend to be a little more flexible. I wouldn’t say one is better or worse than the other. They both get to the same place, just from slightly different angles.

Everybody needs their car claim done NOW!

How are we perceived by the customer? Typically, you’re the answer to their call for help. With an automobile claim, they might need a rental car or body-shop estimate, so it’s more immediate, whereas with someone’s home it is very, very personal — you’re going to be in their house. But at the end of the day, you’re seen in this positive light as the person who’s going to make their life good again.

The rarer the claim, the greater the appeal

The least frequent claims are probably the most interesting, just because they’re different. But they’re also the most disruptive to the policyholders, so they tend to be the most difficult. House fires, for example, are pretty rare — you don’t get a full house-burns-to-the-ground claim very often. They’re very tragic, very personal. There’s a lot of emotion involved, so they’re probably the most difficult to deal with on the homeowner side.

The one claim no adjuster can ever fix

On the auto side, absolutely the worst claims are fatalities. I’ve dealt with quite a few of those. There’s nothing you can say or do to make it better. I can pay them $10 million on a policy or buy them a new car or build them a new house, but it’s never going to replace the person who passed away. It’s never going to fix it, and you’re often left with this sense that you didn’t do enough, because you can’t.

Toughest part about being an adjuster?

The hardest part of my job? That’s easy: living on call. For the last eight years of my career, my cellphone has only been off when my two children were born and anytime I’m on an airplane. Otherwise it’s either on silent or just on, period. My wife’s used to seeing my phone ring at 2 or 3 in the morning and me waking up and going to get my laptop. It seems to be a reoccurrence every single Christmas Eve.

By now, I’m used to it; my family’s used to it. But for somebody coming from a typical 9-to-5 job, it can be very hard to adjust to. The trade-off for me is, I don’t work shifts anymore. Being awakened at 2 in the morning for half an hour is so much better than working midnight to 8 and trying to sleep when everybody else is outside enjoying the sunshine.



How are the claims adjusters compensated, Ampminsure, auto claims adjuster jobs.#Auto #claims #adjuster #jobs


How are the claims adjusters compensated?

Auto claims adjuster jobs

Auto claims adjuster jobs

Auto claims adjuster jobs

Auto claims adjuster jobs

Can anyone out there tell me how claims adjusters are paid? Are they on a salary, paid by the hour or paid a percentage of the claim they adjusted or a combination of the said above?

Auto claims adjuster jobs

Auto claims adjuster jobs

Most of the inside adjusters, who work for the insurance companies, are salaried. They, generally, don’t earn commissions for the cases. Most of them earn fixed compensation, irrespective of the number of cases they handle.

However, the independent claims adjusters or contractual adjuster are paid on per claim basis. They may earn a percentage of the claims settled, depending upon the nature of the claim.

Auto claims adjuster jobs

Auto claims adjuster jobs

Are you aspiring to become an adjuster?

Well, the pay structure of the adjusters varies widely with the companies. And also depends upon the type of claim settlement you are associated with. An auto adjuster may make around $20,000 a year, whereas, the property claims adjusters can make over $40, 000. Do a bit of research on the compensation structure, before joining a company. You can get a fair idea by searching over net.

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Auto claims adjuster jobs

Ho honestr, it seems that the other posters have guided you quite appropriately.

It can be any of the three ways you have mentioned. There are many adjusters, mostly the independent ones, who earn on hourly basis. The public adjuster may fall into this category as well.

If you hire an independent adjuster, you may also have to bear their travel expenses, in addition to their pay. Therefore, you need to evaluate the worth of your claim before deciding upon hiring an independent adjuster.

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Auto claims adjuster jobs

if some claims adjusters are paid ascertain percentage of what the actual claim is, what or who stops the adjuster from inflating the cost of repairing the damages and lining his pockets? and don’t say the homeowner because there more than happy to have their 5 or 10 yr. old big screen t.v. replaced with a brand new one. even though their t.v. was not damaged in any way shape or form from their mishap. ie watr seepage into rec room or small kichen fire

Auto claims adjuster jobs

Auto claims adjuster jobs

I think I know what the OP wants from another post.

It does depend. if they work exclusively for one company they are (more than likely) salaried. they may be paid hourly but either way they ARE NOT paid by the claim or the amount of the claim.

Some independent companies pay commission that is a percentage of the total payment. now a public adjuster (in most cases) is paid like an attorney, a percentage of the settlement or on a contingency basis meaning they get nothing if they don’t collect. remember public adjusters are (usually) hired by a person, (that is generally unhappy with the offer their company has made). independent adjusters (again usually) are hired by an insurance company that just doesn’t happen to have an adjuster of their own in the area. these are usually contracted prices. that the ins company pays. to the independent adjuster or appraiser.

If this is an independent adjusting company that has a bad adjuster or one the you think is taking kick backs, not only do you need to notify the owner of the independent company but the insurance carriers that adjuster works for thur that independent company. confusing?

example: ins company ‘a’, has no adjusters within 100 miles of ”po-dunk, missouri’ so they hire, ‘abc indepent adjusting company” that is owned by albert the genius. albert has six adjuster that work for abc, and he assigns claims to them as they come in. albert may pay them by the claim or a flat rate, or even an hourly or salaried rate. ins company ‘a’ calls abert to have one of his adjusters go look at a car/home whatever and complete an inspection and est that is eventually forwarded on to the supervising adjuster at company’a’. albert is paid a fee (usually one that has been nego. and contracted for all their claims in the area), by ins co ‘a’. but barney the bad adjuster is actually employed and paid by albert. understand?

“Never, never be afraid to do what’s right, especially if the well being of a person or animal is at stake. Society’s punishments are small compared to the wounds we inflict on our soul when we look the other way.” Martin Luther King Jr.

Auto claims adjuster jobs



How to Become an Independent Claims Adjuster, auto claims adjuster jobs.#Auto #claims #adjuster #jobs


How to Become an Independent Claims Adjuster

Learn how to become an independent claims adjuster. Research the job description and the education and licensing requirements, and find out how to start a career in insurance claims. View article

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    • 0:03 Independent Claims Adjuster
    • 2:12 Step 1: Get a Degree
    • 2:44 Step 2: Complete Pre-Licensing
    • 3:53 Step 3: Pass the
    • 5:03 Step 4: Gain Experience
    • 5:40 Step 5: Maintain Licensure

    Video Transcript

    Independent Claims Adjuster

    So you think you might like to become an independent claims adjuster? Independent claims adjusters handle insurance claims for the loss of property, damages, or personal injury. They examine claims, negotiate settlements, and approve or reject claim payments. A claims adjuster may be tasked with interviewing police, medical professionals, witnesses, attorneys, or claimants to compile information regarding accidents and any resulting injuries. The claims adjuster then uses the information compiled from the interviews to complete a report and determine whether and how much to pay a claimant.

    The adjuster must stay abreast of and work within the guidelines of insurance company regulations. Independent claims adjusters can work for many insurance companies, or they can work on a contractual basis in a designated area for one insurance company. Long hours might be worked and adjusters must often schedule their tasks according to the availability of those they need to interview. Additionally, the pay for these workers was higher than the average in 2012, according to the U.S. Bureau of Labor Statistics.

    Career Requirements

    So what are the career requirements for an independent claims adjuster?

    Sources: Online job postings (December 2012), U.S. Bureau of Labor Statistics

    Step 1: Get a Degree

    Most insurance companies prefer that claims adjusters have an associate’s or bachelor’s degree. Colleges and universities might offer degree programs specific to the industry, such as an associate’s degree in insurance services or a bachelor’s degree in risk assessment and insurance. Coursework is designed to help students gain an understanding of the industry with classes in business, finance, risk management, and law. Some degree programs include an insurance industry internship and licensing exams.

    Step 2: Complete Pre-Licensing

    Approximately one-third of all states require licensing in order to become an independent claims adjuster. In these states, candidates must pass a licensing exam that covers the basics of adjusting, take an accepted course in insurance on loss adjusting, supply character references, be a state resident, submit a surety bond, and meet minimum age requirements.

    To prepare for the test, the applicant can take pre-licensing courses, which are available online and in the classroom through both public schools and private companies. Pre-licensing courses for insurance adjusters are typically around 40 hours long and may be completed in four days to a week. In some states, such as Florida and Texas, completion of a course exempts the student from taking the state exam.

    Success Tip

    Be able to pass a background check. As part of the procedure for applying for a license, applicants usually undergo a background check, which includes fingerprinting and possibly a criminal records search. Certain felony convictions preclude a person from becoming an insurance claims adjuster, according to federal law.

    Find schools that offer these popular programs

    • Auctioneering
    • Business Marketing Operations
    • Fashion Merchandising
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    • Insurance, General
    • Marketing for Apparel and Accessories
    • Marketing for Travel and Tourism Operations
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    • Real Estate Sales, Appraisal, and Finance
    • Special Product Marketing
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    • Vehicle and Vehicle Parts Marketing

    Step 3: Pass the Licensing Exam

    Each state has different regulations for adjusters, with most requiring a license acquired through examinations or by completing the required paperwork along with a fee. The claim adjuster licensing exam format varies from state to state, as does the length and specific content. For example, in California, the areas covered include the Adjuster’s Act, agency law, investigation techniques, and several types of insurance coverage, such as auto, business income, and business owners’ policies. In Idaho, 41 questions test knowledge of insurance terms and related concepts as well as types of policies.

    Some private associations also offer certification, including the International Claims Association (ICA), which provides members with experience and the knowledge needed to be a successful adjuster. The Associate, Life and Health Claims (ALHC) professional designation exam offered by the ICA usually takes two to three months of preparation coursework and certifies members to work as public claims adjusters.

    Step 4: Gain Experience

    Experience through an entry-level position or internship in the insurance field can provide a foundation in the information and specific processes necessary for claims adjusters to do their jobs within the guidelines of the law. Many insurance companies offer internships or trainee positions that provide an inside look into how claims are processed through shadowing claims adjusters. Claims adjusters should have knowledge of how claim quotes work, laws specific to the insurance industry, and medical terms, as well a good sense of debating skills to be able to support claim figures.

    Step 5: Maintain Licensure

    States that require licenses may also require continuing education credits to renew the license. An independent claims adjuster can acquire these credits from Internet correspondence courses and employer-provided training sessions that address new trends in the industry. Credits may also be earned by publishing articles or giving lectures about the insurance claims industry.

    For example, in Minnesota, an independent claims adjuster must complete a minimum of 24 hours of continuing education courses of which three hours must be in ethics every two years. In California, the requirement is also 24 hours during the 2-year term.

    Success Tip

    Join a professional organization. Organizations, such as The National Association of Independent Insurance Adjusters (NAIIA), offer members opportunities for continuing education, conferences, and courses to enhance knowledge of ethics in the work place.

    Earn a degree, prepare for the licensing exam, pass the exam, gain some experience, and maintain licensure, are the steps on the path to making a great career as an independent claims adjuster.



    How to File Small Claims Court California, Small Claims Filing, small claims court process.#Small #claims #court #process


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    Welcome to smallclaimsdepartment.com.

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    We’re so glad you found us. Smallclaimsdepartment.com now processes Small Claims cases in the Western United States . We started out Filing and Serving Small Claims cases in California in 1993. The success has now brought us into Washington , Oregon , Nevada , Arizona , Texas , Washington and New York .

    If you’ve found this site, there is somebody (or company) who owes you money. If you entrust us with your claim, we will aggressively, accurately and assertively process your case!

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    Your only responsibility in the small claims process is to

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    Personal injury solicitors in Scotland seeking justice for you

    We are a leading firm of accident claim lawyers – professional, friendly and dedicated to achieving the best outcome for you.

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    New York City Small Claims Court>, small claims court process.#Small #claims #court #process


    Starting a Case

    Anyone 18 years of age or over can sue in Small Claims Court. If you are younger than 18, your parent or guardian may sue on your behalf. Only an individual can sue in Small Claims Court. Corporations, partnerships, associations, or assignees cannot sue in Small Claims Court. However, they can be sued in Small Claims Court. If you are a corporation, partnership, association or assignee, you can bring a Commercial Claim or Consumer Transaction. For more information, click on Commercial Claims and Consumer Transactions.

    In general, the person suing is called the claimant. The person being sued is called the defendant. You may sue more than one person at the same time.

    You must be the proper person to sue in Small Claims Court. For example, if you are involved in an accident while driving an automobile that is not registered in your name, you cannot sue for the damage caused to the automobile during the accident. Only the registered owner of the automobile can sue for the damages caused to the automobile.

    To learn more about bringing a Small Claims Court case, continue reading below. You can also read the law on this procedure, by clicking on Civil Court Act section 1803.

    Small claims court process

    Where to Sue: Venue

    A claimant must begin the lawsuit in the proper county. In general, a claimant can sue in the county where either party resides. If no party resides within the City, the action can be brought in the county where either party has employment or a business address. If the defendant does not have a residence, employment, or have a business address within the City of New York, you cannot bring the lawsuit in the Small Claims Court. To find the location in your county, click on Locations.

    Small claims court process

    Starting the Case

    To begin an action in Small Claims Court, a person, or someone acting on his or her behalf, must come to the Small Claims Court Clerk s office in the proper county and fill out a statement of claim. To find out where the clerk s office is located in your county, click on Locations. To find out when the Small Claims Court Clerk s office is open, click on Court Hours. You may also use an outside service to fill out your statement of claim and electronically file it with the Court. If you are interested in starting your case this way, click on electronic filing.

    The person filling out the statement of claim must be able to explain the reason for the lawsuit, know the amount of the claim, and have the correct name and address, including zip code, of the person or business that is being sued. If you are not sure of the correct name of the business, you should go to the County Clerk s office in the county where the business is located and look up the certificate of doing business, photocopy the certificate and bring it to the court. The person filling out the statement of claim must be able to explain the reason for the lawsuit, know the amount of the claim, and have the correct name and address, including zip code, of the person or business that is being sued. If you are not sure of the correct name of the business, you should go to the County Clerk s office in the county where the business is located and look up the certificate of doing business, photocopy the certificate and bring it to the court. View and print the small claims claim form.

    You can watch a short tutorial to explain how to fill in the form.

    Small Claims Form Instructions:

    Video (run time: 4:52 minutes/seconds, Windows Media format )

    Small claims court process

    You will have to pay the court fee to file your claim. If your claim is for an amount up to and including $1,000.00, there is a fee of $15.00. If your claim is for an amount over $1,000.00 and up to $5,000.00, there is a fee of $20.00. The fee must be paid by cash, certified check, money order or bank check made out to Clerk of the Civil Court. Personal checks will not be accepted.

    The clerk will give you a date for the hearing. Small Claims Court hearings are usually held at 6:30 p.m. If you are a senior citizen, a disabled person, or a person who works during the evening, you may request that your small claims hearing be heard during the day. You or the person appearing on your behalf must show proof of age, or disability, or nighttime employment. The proof can be in the form of a letter from your job or from a doctor, a driver s license showing your birth date, or other similar documents.

    If you live outside the City of New York and want to sue a party within the City of New York, you may file your claim by mail. Contact the Small Claims Court Clerk s office in the county where the defendant lives, works or has a place of business to obtain the necessary form.

    Small claims court process

    The court system does not provide electronic filing at this time. However, several private vendors provide this service. The service provided by each of the vendors is different, and you must review their requirements. We advise that you review this entire website, as it offers a lot of information on how to proceed with your case.

    The current vendors are:

    Small claims court process

    Notifying the Defendant

    After your claim is filed, the Small Claims Court clerk will serve a notice of your claim by sending it to the defendant. The notice of claim tells the defendant when to appear in Small Claims Court, and includes a brief statement of your claim and the amount of money you are requesting.

    The notice of your claim will be sent to the defendant by certified mail and by ordinary first class mail. If the notice sent by ordinary first class mail is not returned by the post office within 21 days as undeliverable, the defendant is presumed to have received notice of your claim, even if the notice of claim sent by certified mail has not been delivered.

    If the post office cannot deliver the notice of your claim (for example, the defendant may have moved without leaving a forwarding address), the court clerk will give you a new hearing date and will tell you how to arrange for personal delivery of the notice to the defendant. Anyone who is not a party to the small claim and who is 18 years of age or older can personally deliver the notice of claim to the defendant. The claimant or any other party to the action may not serve the notice of claim personally on the defendant.

    If the notice of claim cannot be served on the defendant within 4 months after you filed your claim, your claim will be dismissed. If you learn new information about the defendant s location at a later date, you can file your claim again.

    A small claims case will not proceed to trial until the defendant has been served with a notice of your claim.

    The defendant may want to file a counterclaim. For information about this procedure, click on Counterclaims.

    Small claims court process

    Preparing for Court

    Before the date of the hearing, you should gather all the evidence that supports your claim or your defense. Evidence may include: photographs, a written agreement, an itemized bill or invoice marked paid, receipts, at least two itemized written estimates of the cost of services or repairs, a canceled check, a damaged item or article of clothing, or letters or other written documents. If there are records that are not in your possession, you may wish to subpoena them to be produced at the hearing date. For information about this procedure, click on Subpoenas.

    You should also prepare any witnesses you plan to testify at the hearing in support of your claim or defense. The testimony of a person who has special or expert knowledge and experience concerning the subject of your claim may be necessary for you to prove your case. For example, if your claim involves the quality of medical care, you must find a doctor who is willing to give an opinion, in court, about the quality of the care you received. While you might find an expert witness who will testify at no cost to you, it is more likely that you will have to pay for an expert witness testimony.

    If a witness, other than an expert witness, will not testify voluntarily, you can serve the witness with a subpoena requiring them to appear in court and testify. For information on how to do this, click on Subpoenas.



    Medicare claims address, medicare claims address.#Medicare #claims #address


    Medicare/Medicaid Crossover Claims

    If the information provided below does not answer your question, please call the TennCare Cross-Over Claims Provider Hotline at: 1-800-852-2683.

    Per Federal Regulations, as defined in 42CFR 455.410(b) . All Providers reported on Medicaid/TennCare claims, whether the provider is a Billing or Secondary provider must be registered as a TennCare provider. Please be advised that electronic claims containing providers who are not registered will be denied and paper claims will be returned unprocessed to the submitter.

    Crossover Claim Pricing Methodology: For Part A, rates obtained from the Medicaid State Plan less Medicare paid amount and TPL. For Part B, rates obtained from applying the logic outlined in Rule 1200-13-17.

    All claims must be submitted on a CMS approved claim form.

    UB 04 (Institutional) Claim Form

    Helpful hints to avoid errors that cause delays when paper claims are submitted for processing.

    • When submitting paper claim, submit original claim form for processing.
    • A copy of the Medicare EOB (and TPL EOB if applicable) is required. Claims received without a Medicare EOB will not be processed and returned to the provider.

    Helpful reminders to avoid errors and delays when submitting a paper claim. (see National Uniform Claim Committee (NUCC) instruction manual )

    • A copy of the Medicare EOB (and TPL EOB if applicable) is required. Claims received without a Medicare EOB will not be processed and returned to the provider.
    • Form locator 17 b – NPI Only/ Blank- Please do not report any Medicaid Provider Numbers and/or UPIN numbers.
    • Form locator 24 J – NPI Only/ Blank- Please do not report any Medicaid Provider Numbers and/or UPIN numbers.
    • Form Locator 32 – Service Facility Location
      • 32 a – Enter the NPI #.
      • 32 b – Enter the two digit qualifier identifying the non-NPI number followed by the ID number.
    • Form Locator 33 – Billing provider Info and phone number
      • 33 a – Enter NPI of the billing provider.
      • 33 b – Enter the two digit qualifier identifying the non – NPI number followed by the ID #.
    • NOTICE: This is to certify that the foregoing information is true, accurate, and complete. I understand that payment and satisfaction of this claim will be from Federal and State funds, and that any false claims, statements, or documents, or concealment of a material fact, may be prosecuted under applicable Federal and State laws. Sample Form

    Adjustment/Void Forms

    Adjustment/Void Forms are for use when either changes to a paid claim are required or when it is necessary to void a paid claim PLEASE NOTE: Denied claims cannot be adjusted or voided.

    Instructions on how to fill out an Adjustment/Void Form are located on the second page/back of the Adjustment Form

    Adjustment Form for Medicare/Medicaid claims



    Clearwater Solicitors, The Most Experienced Personal Injury Firm, injury claims uk.#Injury #claims #uk


    Call Clearwater Solicitors today to start your case now, one simple call Freephone 08000 430 430.

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    All our clients can rest assured they will receive an efficient, customer-focused service from us and that we will give them good value for money. We know how important it is for people to have solicitors that put them first and give them straightforward.

    If you’re looking for expert legal advice we’re ready to help you out!

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    If you have decided to make a compensation claim following a personal injury then you may be wondering where to

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    If you have been the victim of a personal injury that was not your fault then you may wish to

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    When you become the victim of an accident it is likely that you ll want to make a personal injury compensation

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    Ironwood Insurance Services, Commercial Property, Casualty and Employee Benefits, peak property and casualty insurance claims.#Peak #property #and #casualty #insurance #claims


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    Ironwood Insurance Services strives to attract and retain the best in the business:

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    What our clients say

    Ironwood’s planning keeps us from waiting until the last minute to accomplish our risk management goals. They are professional, knowledgeable, efficient, and give back to the community.

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    Our team at Ironwood reviews the claims utilization, measures benchmarks and evaluates funding alternatives to identify trends and find alternative forms of quality care that are more cost effective.

    Since 2008, Ironwood has provided us with the highest level of service, product knowledge and appropriate recommendations. Ironwood’s response and turnaround time is unmatched.

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    Ironwood donates a portion of our gross revenue to the community through the Ironwood Charitable Foundation. In addition to financial support, Ironwood employees are encouraged to serve as volunteers with non-profit and community service organizations throughout Atlanta.

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    Home, Personal Injury Assist, injury claims uk.#Injury #claims #uk


    The Accident Injury Claims Solicitors

    From your first contact with Personal Injury Assist you will be dealing directly with a highly qualified, experienced accident claims solicitor specialising in accident injury claims. If your claim is accepted we work on a no-win no fee basis. Whether you are the driver, passenger, pedestrian in a road traffic accident or a victim of a non fault accident at work, we will ensure that you receive not only the highest level of compensation, but we will also provide you with a complete tailored accident management solution from arranging a replacement vehicle to providing a comprehensive medical assesment and report. Personal Injury Assist are a specialist Accident Injury Claims Solicitors providing a tailor made accident management service exclusively for innocent victims of accidents. We are experts in accident injury claims and our business is built on a solid reputation. We aim to recover, on your behalf, the highest compensation in the least possible time, try us out NOW.

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    Mr. S. Rhodes, Yorkshire

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    Ms N. Ryan, Midlands

    “Excellent claims handlers – always kept me informed throughout. – Amount £4,695”

    Mr. S. Batley, Leeds

    “Very happy with the level of service and truly surprised at the speed of settlement. – Amount £7,530”

    Mr. T. R. Webster, Yorkshire

    Personal Injury Assist and Sheirs Solicitors are trading styles of Sheirs Solicitors Ltd; Authorised Regulated by the Solicitors Regulation Authority (SRA No 611629). Registered in England Wales; Company Reg Number: 8298527.

    *subject to disbursements such as court fees and the cost of obtaining medical records and expenses, which we will defer until the conclusion of your claim

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    Insurance: unusual car and home insurance claims – The AA, claims handler jobs.#Claims #handler #jobs


    Unusual Insurance Claims

    Flying Christmas trees and falling sheep we’ve heard it all before!

    Do you remember those old Jasper Carrot stories about the odd claims that supposedly appeared on car insurance claims? Well daft as some of them might seem, AA Insurance gets its own fair share of strange claims.

    The days of filling in claim forms are pretty much gone nowadays and making a claim couldn’t be easier. But our staff are there to help, 24 hours a day and as a result they’re often told more than the straight facts.

    Here are a few that have raised a smile, even though, of course, each and every one of them have been dealt with professionally and seriously. We have changed the names to protect the embarrassed, by the way!

    Mr Fairclough was driving home from Christmas shopping when, on a bend, a car coming the other way had a large Christmas tree badly tied to the roof. “He was driving too fast and I saw the tree lift off and it flew straight at me. The trunk made a great dent in my bonnet and caused me to run off the road and into a hedge.” Mr Fairclough added: “The chap didn’t stop and he never came back for his tree so the Police said we might as well have it. It wasn’t funny at the time, but looking back it was like a comedy sketch!”

    A cat ran across the road and Mrs Carr did an emergency stop. Our claims handler explains: “As she stopped a Transit van hit her from behind and she thought she had run the cat over. She told me there was a terrible crash that did an awful lot of damage to the back. The van driver got out but didn’t believe the story about the cat until amazingly, it ran out from under the car and disappeared still with eight lives left!”

    That’s just what our claims handler thought when Mr Carlton said he was driving home from the pub with a friend and passing under the by-pass a sheep landed on the bonnet of the car. “It had come from a lorry that had overturned on the by-pass and in fright it jumped over the parapet,” Mr Carlton told her. He also kept telling her he hadn’t been drinking! The car was a write-off, but Mr Carlton didn’t say what happened to the sheep!

    Miss Pownall, a nurse, was on her way to work when a magpie flew in front of her. Says the claims specialist who took the call: “She started telling me about the saying about magpies you know, ‘one for sorrow, two for joy’ and wondered where this was going! But she explained that saw one and was looking out for the second and promptly ran into the back of the car in front. She didn’t say whether she ever did see the second magpie, so perhaps there is some truth in the old story!”

    Mr Woodford was involved in a multiple accident in ‘sleety snow’ on the M62. “I was in the middle of about a dozen cars and my car was bashed front and rear,” he told the AA. “The cars all crunched up like a concertina. While we waited the chap from the car in front took out, of all things, a concertina! He was supposed to be playing at a carol concert so he started playing Christmas carols for us instead!”

    Mr McGuinness was following his son who was about to trade in his car for a new one. He made an emergency stop and unfortunately Mr McGuinness ran into the back of his son’s car. “I caused a lot of damage,” he told our claims handler ruefully. “It meant the part exchange deal was off and my son couldn’t buy the car he wanted after all. I wasn’t very popular.”

    This story really did raise a smile. Miss Simpson discovered two into one won’t go the hard way at her local Asda car park. She told our incredulous call handler who ended up laughing with our customer who could see the funny side: “We both went into a space at the same time and got jammed against the cars on either side. We were stuck fast and couldn’t open the doors and the fire brigade had to rescue us. It was very embarrassing we had about a hundred people laughing at us.”

    While stories like these raise a smile and sometimes embarrassment for our customers it underlines the importance of insurance cover.

    “Our claims team do a wonderful job, reassuring people at the scene of an accident and helping them through the claims process,” says Simon Douglas, director of AA Insurance. “It doesn’t matter how bizarre the incident, you may be sure we’ve heard it all before and will still give a professional and helpful service.”



    Find your perfect job in UK general insurance, claims handler jobs.#Claims #handler #jobs


    Find your perfect job in UK general insurance

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    General Insurance Jobs – Vacancies, claims handler jobs.#Claims #handler #jobs


    General Insurance jobs

    Account Executive – Commercial Insurance (Newmarket, Suffolk)

    • 15,500 – 17,500 per annum
    • Permanent, full-time
    • Bolton Lancashire
    • 1 application

    Data Analyst

    • 300.00 – 400.00 per day
    • Permanent, full-time
    • City of London London
    • 5 applications

    Junior Project Manager / Business Analyst

    • 30,000 – 40,000 per annum
    • Permanent, full-time
    • London South East England
    • 100+ applications

    Commercial Lines Pricing Analyst

    • 35,000 – 45,000 per annum
    • Permanent, full-time
    • London South East England
    • 5 applications

    Technical Pricing Lead – Insurance

    • 50,000 – 65,000 per annum
    • Permanent, full-time
    • London South East England
    • 2 applications

    Senior Claims Broker – Commercial

    • 30,000 – 35,000 per annum
    • Permanent, full-time
    • Watford Hertfordshire
    • 1 application

    Account Handler, Commercial or Professional Indemnity Chelmsford, UK

    • Salary negotiable
    • Permanent, full-time
    • Chelmsford Essex
    • 3 applications

    Trainer, Business Operations – Affinity Chelmsford, UK

    • 20,000 – 40,000 per annum
    • Permanent, full-time
    • Chelmsford Essex
    • 1 application

    Commercial Insurance Account Handler

    • 20,000 – 23,000 per annum
    • Permanent, full-time
    • Croydon Surrey
    • 7 applications

    Recruitment Coordinator

    • 25,000 – 30,000 per annum
    • Contract, full-time
    • City of London London
    • 13 applications

    Commercial Account Handler

    • 25,000 – 33,000 per annum
    • Permanent, full-time
    • Oxfordshire South East England
    • 2 applications

    Employee Benefits Account Handler

    • 25,000 – 35,000 per annum
    • Permanent, full-time
    • Manchester Lancashire
    • 5 applications

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    • 25,000 – 35,000 per annum
    • Permanent, full-time
    • City of London London
    • 12 applications

    Business Development Executive – OTE 30,000

    • 22,000 – 26,000 per annum, inc benefits
    • Permanent, full-time
    • Birmingham West Midlands
    • 6 applications

    Legal Indemnity Development Underwriters

    • Salary negotiable
    • Permanent, full-time
    • London South East England
    • 61 applications

    Business Development Executive PI Insurance

    • 35,000 – 50,000 per annum
    • Permanent, full-time
    • Lancashire North West England
    • 3 applications

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    • Salary negotiable
    • Permanent, full-time
    • City of London London
    • 23 applications

    Motor Claims Handler, 17,000+ Northampton

    • Salary negotiable
    • Permanent, full-time
    • Northampton Northamptonshire
    • 4 applications

    Large Loss Claims Handler

    • Salary negotiable
    • Permanent, full-time
    • Halifax West Yorkshire
    • 7 applications

    Reinsurance Technician

    • 25,000 – 35,000 per annum
    • Permanent, full-time
    • City of London London
    • 7 applications

    Account Handler

    • 35,000 – 40,000 per annum
    • Permanent, full-time
    • North West London London
    • 12 applications

    Business Development Manager

    • 50,000 – 70,000 per annum
    • Temporary, full-time
    • City of London London
    • 5 applications

    Claims Technician / Processor ECF

    • 30,000 – 38,000 per annum
    • Permanent, full-time
    • City Of London London
    • 7 applications

    Claims Data Analyst

    • 200.00 – 250.00 per day
    • Contract, full-time
    • Colchester Essex
    • 3 applications

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    Claims Information, Blog exploring claims through accidents, injury claims uk.#Injury #claims #uk


    Claims Information

    The term personal injury claim has become somewhat mainstream, especially in recent times. You ve probably seen or heard the adverts on the television, the radio, the Internet and other advertising mediums, asking whether you have been injured in an accident and therefore require the services of a personal injury solicitor/ lawyer, but what exactly is a personal injury claim?

    To put it simply, personal injury claims are designed to help you to get compensation after an accident which should help you to cope better with the effects of your accident. These effects could be physical, emotional or economic.

    How does one define a personal injury?

    A personal injury may be defined as a physical or psychological injury. A personal injury can also include some diseases or illnesses which might be contracted by a person because they have been exposed to that disease or illness, commonly through negligence or incompetence.

    Personal injuries can be relatively minor but debilitating or they can be incredibly severe, and in extreme cases, fatal. Some examples of injuries which have resulted in previous personal injury claims include; injuries caused by tripping on uneven paving stones; injuries sustained in traffic accidents; injuries from faulty products; injuries in the workplace; psychological injuries associated with being the victim of crime; psychological illnesses caused by workplace harassment; illnesses caught because of incorrect medical procedures; and illnesses which are related to working with asbestos.

    Claiming compensation for personal injuries

    If you do decide that you want to make a claim for compensation, then there are several different options which are available to you here in the United Kingdom. If you have been a victim of crime, then you may seek to make a claim to the Criminal Injuries Compensation Authority which you can start here. Alternatively, the courts may automatically award you compensation through a criminal compensation order, so long as they are aware of your personal injury during the sentencing of the perpetrator.

    Injury claims ukFor other types of personal injury, such as those which have been sustained in the workplace or in a public place, you can seek to take legal action in a civil court. If you do this, you may wish to hire a personal injury solicitor to help you with the legal nuances involved with making a claim.

    The option of no win no fee is also there and is designed to help those that may find it difficult to cover legal fees and so forth, and this option is looked at further down the page.

    Another option is to discuss your case with a claims assessor. Although claims assessors are not necessarily fully qualified solicitors, they should have the knowledge and experience which is needed to help you to progress your claim.

    How much compensation is awarded for personal injury claims?

    This is always a common question so the following should help you somewhat. The amount of compensation which is awarded for personal injury claims will be dependent on a number of different factors. As part of your compensation, you may be awarded general damages , which are given based on the amount of pain and suffering which you experienced due to your injury and any loss of future earnings which you experienced as a result of your injury.

    Special Damages may also be awarded for financial loss or damage caused to material goods as a result of the accident, such as damage to your motor vehicle or the clothing you were wearing at the time. The amount of compensation may be reduced by the courts if they decide that you were partially responsible for your accident.

    The No Win No Fee option

    If you are thinking about making a claim for compensation after an accident, then you may have seen companies advertising their services on a no win, no fee basis. These types of accident claims or personal injury claims were introduced to help people to get compensation without having to worry about where the money for the solicitors fees would could from if they did not win their case.

    What does the term no win, no fee mean?

    No win, no fee means that if your solicitor, law firm or claims advisor does not win your case for you, then you will not have to pay any legal fees for their services. It is important to understand however that some costs may still apply.

    When a firm offers you a no win no fee arrangement, they are effectively taking on the risk associated with your case, meaning that you don t have to. However, in return, you will be expected to pay a small additional success fee if you are successful in your claim. You should be aware as noted above that whilst this sort of agreement normally exempts you from paying your legal advisor s fees in the event that the claim is unsuccessful, you may be liable for other costs, which might include expert witness charges, court costs and other miscellaneous expenses.

    How do no win, no fee arrangements work?

    In the first instance, you will need to explain your case to a professional, so that they will have the opportunity to evaluate whether you have a valid claim. In most circumstances, a solicitor/ lawyer will only take on a case on a no win, no fee basis, if they believe that it is highly likely that they will be successful. They are unlikely to take on high-risk cases, which they are more likely to lose, as these cases will have a greater chance of leaving them out of pocket. This consultation will also give them the opportunity to calculate how much your claim is likely to be worth.

    If they decide that they are able to represent you on a no win, no fee basis, they will then discuss the details of the arrangement with you, and they should then give you a Conditional Fee Agreement (CFA) to sign, which formalises all of the details of the arrangement. It is important that you understand the agreement which you have made, so that you are aware of all of your rights and obligations. If you have any additional questions about the arrangement, your advisor or one of their assistants should be able to explain things to you.

    Success fees

    As of April 2013, solicitors and claims advisors are able to set their success fees as anything up to 25% of the damages which are recovered. Therefore, the amount that you must give to your personal injury solicitors in the event of a successful claim can vary dramatically, depending on the value of your compensation. Other legal fees may be recovered from the defendant in successful cases.

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    Personal Injury Compensation Claims, talk to our Injury Solicitors – Simpson Millar, injury claims uk.#Injury #claims #uk


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    Disclaimer: No information on this website shall be construed as legal advice and information is offered for information purposes only. You should always seek advice from an appropriately qualified solicitor on any specific legal enquiry. **Call charges may vary. Calls from mobiles may vary depending on your service provider. Calls to or from our legal helpline may be recorded for training and monitoring purposes. Calls to 0844 numbers will cost 7p per minute plus your telephone company’s access charge. External links are provided for your convenience, but they are beyond the control of Simpson Millar LLP Solicitors and no representation is made as to their content. Use or reliance on any external links and the content thereon provided is at your own risk. Full terms of use.

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    Small Claims Cases, Provincial Court of British Columbia, small claims tribunal.#Small #claims #tribunal


    Small Claims Cases

    On June 1, 2017 there were changes in the laws governing Small Claims cases. Cases involving up to $5000 now go to the Civil Resolution Tribunal. The Provincial Court now deals with cases from $5001 to $35,000 in its “Small Claims court”. This page describes Small Claims court generally, and how matters may move from the Civil Resolution Tribunal to Small Claims Court.

    Types of disputes you can bring to Small Claims court

    The Small Claims Act gives the Provincial Court authority to decide cases when people (or other legal entities such as companies or societies) sue one another for up to $35,000 in claims for:

    • debt or damages
    • recovery of personal property or opposing claims to person property
    • performance of agreements about personal property or services.

    The Provincial Court does not have the power to grant remedies in cases involving:

    • an interest in land
    • personal property security
    • bankruptcies
    • trademarks
    • wills and estates
    • libel and slander
    • malicious prosecution
    • residential tenancy (though Residential Tenancy Branch orders may be enforced in Provincial Court)
    • almost all builders’ lien matters, and
    • lawsuits against the federal government.

    For cases that can’t be brought to Provincial Court, see the websites of the BC Supreme Court, Residential Tenancies BC, or the Federal Court of Canada.

    Different procedures apply to Small Claims cases, depending on the amount of money involved and the court location.

    • Claims up to $5000
    • Claims for $5001 to $10,000 in Vancouver and Richmond
    • Claims for $10,001 to $35,000 in Vancouver and Richmond, and

    $5001 to $35,000 in other Provincial Court locations

    However, in any Small Claims trial if you do not have a lawyer you may find it helpful to bring a trusted friend or family member with you to provide emotional support, take notes, and organize documents. The Provincial Court has adopted Support Person Guidelines that explain when you are permitted to have a support person help you, and what they can do. For more information on Support Persons see this eNews article and poster.

    Claims up to $5000 must be taken to British Columbia’s new online Civil Resolution Tribunal (CRT) in cases involving:

    • debt or damages
    • recovery of personal property or opposing claims to person property
    • performance of agreements about personal property or services.
    • claims for libel, slander or malicious prosecution
    • claims for or against the government
    • claims excluded from the authority of the CRT by regulations (there are no such exclusions now)
    • a constitutional question (any question requiring notice under section 8 of the Constitutional Question Act)
    • a question of whether there is a conflict between the Human Rights Code and another law.

    The CRT will provide a three-stage process involving:

    1. negotiation – first you will communicate online with the other party to see if you can quickly settle the dispute between yourselves
    2. facilitation – if that doesn’t work, trained CRT staff will try to help you settle
    3. adjudication – if you can’t resolve the dispute, a Tribunal member may make a decision and it can be enforced like a court order in the Provincial Court, unless you or the other party files a notice of objection.

    For more information about the Civil Resolution Tribunal and how to use it, visit its website and the BC government website.

    Will Provincial Court deal with claims under $5001 in any way?

    The Civil Resolution Tribunal Act requires that disputes within the CRT’s authority, to be called “Tribunal Small Claims”, must go through the CRT process. However, a claim for less than $5001 will still come to Provincial Court in certain circumstances. For a quick overview of the pathways to Provincial Court see this flowchart.

    When the CRT refuses to resolve a claim

    The CRT can refuse to resolve a claim within its jurisdiction for several reasons, including that the claim:

    • is too complex or otherwise impractical for the CRT to manage or resolve
    • doesn’t disclose a reasonable claim or is an abuse of process
    • has been resolved through a legally binding process
    • involves a constitutional question or conflict between the Human Rights Code and another law or when the CRT is satisfied a Provincial Court Judge would grant an application for exemption if one were made.

    When a party applies to Provincial Court to be exempted from the CRT

    You may apply to Provincial Court for exemption from the CRT process and a judge may order the CRT not to facilitate or adjudicate a claim if:

    • the CRT doesn’t have jurisdiction (legal authority), or
    • it is not in the interests of justice and fairness for the CRT to facilitate or adjudicate the claim.

    You must file an application for exemption in Provincial Court within 14 days after a response is made in the CRT. The CRT Act sets out factors a judge may consider.

    When a party files a notice of objection

    In adjudicated matters

    If you are not satisfied with a CRT adjudicator’s decision you can file a notice of objection with the CRT within 28 days after you receive the decision. When that happens, the CRT final decision is not binding and it’s not enforceable.

    But if you or the other party wants to pursue your claim or counterclaim in court, you can then file a Notice of CRT Claim in the Provincial Court and serve (deliver it to) the other party. The documents filed in the CRT become the pleadings (the documents setting out the claim and reply) in Provincial Court, and you will have a trial conference, if necessary followed by a trial, in Provincial Court.

    In “default” matters

    In cases where a defendant didn’t file a response in the CRT but did file a Notice of Objection to the CRT decision in Provincial Court, there will be a settlement conference in Provincial Court, followed by a trial, if necessary. A settlement conference is held since the parties didn’t participate in the dispute resolution process at the CRT.

    Enforcement of CRT orders

    Both negotiated consent orders and final decisions of the CRT can be filed in the Provincial Court for enforcement. Once filed, a CRT order has the same force as a Provincial Court judgment, and can be enforced using the same procedures. The Court enforces Residential Tenancy Branch orders in a similar way.

    Claims for $5001 to $10,000 in Vancouver and Richmond

    In Provincial Court in Vancouver and Richmond, Justice of the Peace Adjudicators may hold one-hour simplified trials for cases with a money value of $5001 to $10,000. In a simplified trial you or your lawyer will be asked to state the facts, file any documents you rely on, and respond to the other party. The Justice of the Peace Adjudicator may ask you questions, ask you to swear to the truth of your statement, permit witnesses, and allow you or your lawyer to ask the other party questions. They will provide their decision immediately or within not more than 30 days.

    Claims for $10,001 to $35,000 in Vancouver and Richmond, and $5001 to $35,000 in other Provincial Court locations

    These cases may be called “Small Claims” but we know how important they are to the people involved. The procedures for these cases haven’t changed – there is just a higher dollar limit.

    Small Claims Court procedures are set out in the Small Claims Rules. They’re designed to be simple so people can feel comfortable proceeding without a lawyer if they don’t have one. However, consulting a lawyer can be very helpful. Some lawyers now provide “unbundled” services, helping you develop a plan to prepare and present your case and doing only the tasks you hire them for. At a minimum, a lawyer can tell you what you need to prove to establish your claim or defence, and advise you on the evidence you’ll need. For ways to get legal advice or find a lawyer see Getting a lawyer or legal advice.

    You generally begin your Provincial Court Small Claims appearances by attending a settlement conference with a judge. If you can settle your dispute there you need not return to court. If you are not able to settle, you may be required to attend a trial conference to ensure everyone is prepared for trial. After that, you will be given a date for a trial, where a different judge will hear you and the other party and any relevant witnesses you bring to court, and make a decision based on the evidence presented in the trial. See Self Help Guides for tips on preparing for trial.

    For more information see:

    The Peoples Law School offers step-by-step guidance on working our every day legal problems and a question and answer service. The Civil Resolution Tribunal’s Solution Explorer also offers information and tools. For alternatives to court, try the free, secure, online negotiation services offered by Small Claims BC or a private mediator. If you can’t settle your claim that way you can still go to the CRT or to court, depending on the value of your claim.

    This website provides general information only and should not be used as legal advice.



    Small Claims Cases, Provincial Court of British Columbia, small claims tribunal.#Small #claims #tribunal


    Small Claims Cases

    On June 1, 2017 there were changes in the laws governing Small Claims cases. Cases involving up to $5000 now go to the Civil Resolution Tribunal. The Provincial Court now deals with cases from $5001 to $35,000 in its “Small Claims court”. This page describes Small Claims court generally, and how matters may move from the Civil Resolution Tribunal to Small Claims Court.

    Types of disputes you can bring to Small Claims court

    The Small Claims Act gives the Provincial Court authority to decide cases when people (or other legal entities such as companies or societies) sue one another for up to $35,000 in claims for:

    • debt or damages
    • recovery of personal property or opposing claims to person property
    • performance of agreements about personal property or services.

    The Provincial Court does not have the power to grant remedies in cases involving:

    • an interest in land
    • personal property security
    • bankruptcies
    • trademarks
    • wills and estates
    • libel and slander
    • malicious prosecution
    • residential tenancy (though Residential Tenancy Branch orders may be enforced in Provincial Court)
    • almost all builders’ lien matters, and
    • lawsuits against the federal government.

    For cases that can’t be brought to Provincial Court, see the websites of the BC Supreme Court, Residential Tenancies BC, or the Federal Court of Canada.

    Different procedures apply to Small Claims cases, depending on the amount of money involved and the court location.

    • Claims up to $5000
    • Claims for $5001 to $10,000 in Vancouver and Richmond
    • Claims for $10,001 to $35,000 in Vancouver and Richmond, and

    $5001 to $35,000 in other Provincial Court locations

    However, in any Small Claims trial if you do not have a lawyer you may find it helpful to bring a trusted friend or family member with you to provide emotional support, take notes, and organize documents. The Provincial Court has adopted Support Person Guidelines that explain when you are permitted to have a support person help you, and what they can do. For more information on Support Persons see this eNews article and poster.

    Claims up to $5000 must be taken to British Columbia’s new online Civil Resolution Tribunal (CRT) in cases involving:

    • debt or damages
    • recovery of personal property or opposing claims to person property
    • performance of agreements about personal property or services.
    • claims for libel, slander or malicious prosecution
    • claims for or against the government
    • claims excluded from the authority of the CRT by regulations (there are no such exclusions now)
    • a constitutional question (any question requiring notice under section 8 of the Constitutional Question Act)
    • a question of whether there is a conflict between the Human Rights Code and another law.

    The CRT will provide a three-stage process involving:

    1. negotiation – first you will communicate online with the other party to see if you can quickly settle the dispute between yourselves
    2. facilitation – if that doesn’t work, trained CRT staff will try to help you settle
    3. adjudication – if you can’t resolve the dispute, a Tribunal member may make a decision and it can be enforced like a court order in the Provincial Court, unless you or the other party files a notice of objection.

    For more information about the Civil Resolution Tribunal and how to use it, visit its website and the BC government website.

    Will Provincial Court deal with claims under $5001 in any way?

    The Civil Resolution Tribunal Act requires that disputes within the CRT’s authority, to be called “Tribunal Small Claims”, must go through the CRT process. However, a claim for less than $5001 will still come to Provincial Court in certain circumstances. For a quick overview of the pathways to Provincial Court see this flowchart.

    When the CRT refuses to resolve a claim

    The CRT can refuse to resolve a claim within its jurisdiction for several reasons, including that the claim:

    • is too complex or otherwise impractical for the CRT to manage or resolve
    • doesn’t disclose a reasonable claim or is an abuse of process
    • has been resolved through a legally binding process
    • involves a constitutional question or conflict between the Human Rights Code and another law or when the CRT is satisfied a Provincial Court Judge would grant an application for exemption if one were made.

    When a party applies to Provincial Court to be exempted from the CRT

    You may apply to Provincial Court for exemption from the CRT process and a judge may order the CRT not to facilitate or adjudicate a claim if:

    • the CRT doesn’t have jurisdiction (legal authority), or
    • it is not in the interests of justice and fairness for the CRT to facilitate or adjudicate the claim.

    You must file an application for exemption in Provincial Court within 14 days after a response is made in the CRT. The CRT Act sets out factors a judge may consider.

    When a party files a notice of objection

    In adjudicated matters

    If you are not satisfied with a CRT adjudicator’s decision you can file a notice of objection with the CRT within 28 days after you receive the decision. When that happens, the CRT final decision is not binding and it’s not enforceable.

    But if you or the other party wants to pursue your claim or counterclaim in court, you can then file a Notice of CRT Claim in the Provincial Court and serve (deliver it to) the other party. The documents filed in the CRT become the pleadings (the documents setting out the claim and reply) in Provincial Court, and you will have a trial conference, if necessary followed by a trial, in Provincial Court.

    In “default” matters

    In cases where a defendant didn’t file a response in the CRT but did file a Notice of Objection to the CRT decision in Provincial Court, there will be a settlement conference in Provincial Court, followed by a trial, if necessary. A settlement conference is held since the parties didn’t participate in the dispute resolution process at the CRT.

    Enforcement of CRT orders

    Both negotiated consent orders and final decisions of the CRT can be filed in the Provincial Court for enforcement. Once filed, a CRT order has the same force as a Provincial Court judgment, and can be enforced using the same procedures. The Court enforces Residential Tenancy Branch orders in a similar way.

    Claims for $5001 to $10,000 in Vancouver and Richmond

    In Provincial Court in Vancouver and Richmond, Justice of the Peace Adjudicators may hold one-hour simplified trials for cases with a money value of $5001 to $10,000. In a simplified trial you or your lawyer will be asked to state the facts, file any documents you rely on, and respond to the other party. The Justice of the Peace Adjudicator may ask you questions, ask you to swear to the truth of your statement, permit witnesses, and allow you or your lawyer to ask the other party questions. They will provide their decision immediately or within not more than 30 days.

    Claims for $10,001 to $35,000 in Vancouver and Richmond, and $5001 to $35,000 in other Provincial Court locations

    These cases may be called “Small Claims” but we know how important they are to the people involved. The procedures for these cases haven’t changed – there is just a higher dollar limit.

    Small Claims Court procedures are set out in the Small Claims Rules. They’re designed to be simple so people can feel comfortable proceeding without a lawyer if they don’t have one. However, consulting a lawyer can be very helpful. Some lawyers now provide “unbundled” services, helping you develop a plan to prepare and present your case and doing only the tasks you hire them for. At a minimum, a lawyer can tell you what you need to prove to establish your claim or defence, and advise you on the evidence you’ll need. For ways to get legal advice or find a lawyer see Getting a lawyer or legal advice.

    You generally begin your Provincial Court Small Claims appearances by attending a settlement conference with a judge. If you can settle your dispute there you need not return to court. If you are not able to settle, you may be required to attend a trial conference to ensure everyone is prepared for trial. After that, you will be given a date for a trial, where a different judge will hear you and the other party and any relevant witnesses you bring to court, and make a decision based on the evidence presented in the trial. See Self Help Guides for tips on preparing for trial.

    For more information see:

    The Peoples Law School offers step-by-step guidance on working our every day legal problems and a question and answer service. The Civil Resolution Tribunal’s Solution Explorer also offers information and tools. For alternatives to court, try the free, secure, online negotiation services offered by Small Claims BC or a private mediator. If you can’t settle your claim that way you can still go to the CRT or to court, depending on the value of your claim.

    This website provides general information only and should not be used as legal advice.



    AMCO Insurance, USA Coverage, amco insurance claims.#Amco #insurance #claims


    AMCO Insurance

    START HERE

    Des Moines, Iowa 50391-1100

    AMCO Insurance was founded in the year 1959, and was incorporated in the state of Iowa. AMCO Insurance is an arm of Allied Group Inc., which is an affiliate of the Property and Casualty arm of the Nationwide Mutual Insurance Company. Based in Des Moines, IA, AMCO Insurance, under the Allied Group, has over 4,000 employees nationwide and has 2,500 workers in the Des Moines headquarters alone.

    The company focuses on underwriting property and casualty insurance, with Fire, Casualty and Marine Insurance as its Primary SIC. Its Primary NAICS is as a Direct Carrier of Property and Casualty Insurance.

    Being under the tutelage of the Allied Group Inc., AMCO Insurance integrates the insurance giant’s commitment to provide excellent insurance coverage and the “On Your Side” way of Allied customer service. AMCO is authorized to do business in the following states: Arizona, California, Colorado, Delaware, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Maryland, Minnesota, Missouri, Montana, North Carolina, Nebraska, Nevada, New Mexico, North Dakota, Ohio, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin and Wyoming.

    AMCO Insurance is headed by its CEO, Jerry Jurgensen, and the company President, Kirt Walker.

    If you are looking for protection of your properties such as vehicles, businesses, and homes, AMCO Insurance’s broad portfolio will be able to find a plan that will suit your insurance needs. To facilitate this, Allied Group partners the clients with independent AMCO agents in their local areas.

    AMCO Insurance garnered an A+ in the Best Insurance Reports Ratings, and also won several awards in the State of Texas for its unmatched customer service. As of 2006, reported $ 4.4 Billion in sales under its parent company, which has a total assets of $ 119.4 Billion as of 2006 fiscal year.

    AMCO Insurance’s parent company, Allied Group Inc., is also a subsidiary of Nationwide Mutual Insurance Company. Allied was established in the year 1929 as a small insurer owned by the policyholders themselves. As Nationwide Mutual grew, so did Allied. It expanded to more than 33 states and is now currently offering a wide variety of insurance services and products, among the Property and Casualty insurance underwritten by its subsidiary, AMCO Insurance.

    Allied Group Inc., was also known in the past as Allied Mutual Automobile Association. Now, with a strong partnership with a wide web of more than 4000 agencies across the country, the insurance giant can easily provide tailored and customized services that can cater to any insurance need their customers may have.

    True to their tagline “On Your Side”, Allied’s AMCO Insurance promises to ensure that their customer’s needs and convenience will be its sole priority. Because of the availability of AMCO agencies nationwide, customers will be able to get excellent customer service on hand, anywhere they are. These independent agencies offer free quotations and consultation to their clients, and are ever ready to make sure that their customers are assisted properly with their needs.



    HM Courts – Tribunals Service, small claims court uk.#Small #claims #court #uk


    HM Courts

    Small claims court uk

    10 November 2017 — Press release

    Swifter justice for London fare dodgers

    More than 3,000 tube and bus fare dodgers have been sentenced through a revolutionary new digital sentencing system.

    Small claims court uk

    2 November 2017 — News story

    First Courts Tribunals Service Centres launched

    The country’s first Courts Tribunals Service Centres will be launched in Birmingham and Stoke-on-Trent.

    Small claims court uk

    24 October 2017 — Press release

    Awards ceremony honours unsung heroes who support victims and witnesses

    Those who go above and beyond to help victims and witnesses through often traumatic court experience have been recognised at a national awards ceremony.

    Small claims court uk

    20 October 2017 — News story

    Opening stage of employment tribunal fee refund scheme launched

    The first people eligible for employment tribunal fee refunds will be able to apply from today, the government has announced.

    Small claims court uk

    5 October 2017 — News story

    Personal applicants can now apply for probate online

    HMCTS details how personal applicants can now apply for probate using new online service.

    Small claims court uk

    5 September 2017 — News story

    Advice on coming to court

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    HM Courts Tribunals Service is responsible for the administration of criminal, civil and family courts and tribunals in England and Wales.



    PLEIS-NB • Public Legal Education and Information Service of New Brunswick, small claims court forms.#Small #claims #court #forms


    small claims court forms

    Small claims court forms

    Small Claims Court Forms

    All forms mentioned below are available from the Clerk s Office upon request.

  • Form 3: Third Party Claim (to include a party the Defendant feels is responsible for the claim)

  • Form 6: Request for Judgment (to proceed with claim if no Response or if claim is admitted)

  • Form 7: Default Judgment (to record a judgment where no response, where claim is admitted, or where terms of payment agreement not met)

  • Form 10: Payment Agreement (to write down the agreement made at a payment hearing)

  • Form 12: Summons to Witness (to require a person to attend a hearing as a witness)

  • Form 14: Judgment (to record the Adjudicator s decision when a party s claim is successful)

  • Form 19: Notice of Appeal (to tell the parties there is an appeal to the Court of Appeal)

  • Form 20: Affidavit of Service (to prove you served documents to parties or witnesses)

  • Form 21: Consent to Act as a Litigation Guardian (to apply to make or defend a claim on behalf of someone under 19 or disabled)

  • Form 24: Warrant to Apprehend (to request a sheriff s officer or the police bring a witness to the hearing)

  • Form 25A: Certificate of Adjudicator (certifying a witness failed to attend a hearing or remain in attendance as required)

  • Form 25B: Certificate of Adjudicator (certifying a witness refused to do something at the hearing that the witness was required to do)

  • Form 26B: Memorandum of Satisfaction of Judgment (By Application) (signed by the Adjudicator once he or she has received sufficient evidence on an application that the judgment has been paid)

    Small claims court formsBack to Civil and Family Courts

    Disclaimer: Please note that our website contains general information about the law. This is not a complete statement of the law on particular topics. We try to update our publications often, but laws change frequently so it is important for you to check to make sure the information is up to date. The information in our publications is not a substitute for legal advice. To receive legal advice about your specific situation, you need to speak to a lawyer.

    Small claims court forms



  • Processing Medical Claims from Home, Medical Claims Processing at Home, medical claims processing jobs.#Medical #claims #processing #jobs


    Processing Medical Claims From Home

    What’s involved with processing medical claims from home? Learn from a medical billing home business owner the specifics of medical claims processing at home, how it works, and what you need to process claims.

    In this day and age everybody wants the flexibility to be able to work from home. One of the more popular is medical billing jobs from home which involves medical claims processing at home. However there’s more to it than just entering data on a computer.

    Processing medical claims from home involves entering patient and provider information along with the appropriate ICD-9 (or ICD-10) diagnosis and CPT treatment medical billing codes . The patient information is insurance ID, address, phone, responsible party, age, etc. Provider information is NPI number, name, address, practice name, etc. The diagnosis and treatment codes are usually obtained from the superbill. However those performing medical coding from home will take the doctors notes and assign the diagnosis and treatment codes.

    The key is the information must be provided in a secure manner to comply with HIPAA security and privacy standards. Probably the best way is either via scanned document stored on a secure server or transmitted via secure email. Faxing patient information can be dangerous because if the information can be mistakenly sent to the wrong fax number. Many fax machines have pre-programmed numbers and it’s easy when things are busy to fax to press the wrong button. I’ve been on the receiving end of a few of these misguided faxes. There’s also the concern that you never know how secure the destination fax is. It could be open to anyone walking by and you don’t want patient info exposed like this.

    There’s also the option of physically picking up the info to be processed at the providers office. Some billing services or those who work for a practice and are processing medical claims from home will arrange to pick up on a pre-determined schedule – like once a week or a couple times a week. But most busy practices need claims processed promptly to get paid. The caution here is that the information be protected on its route and not left unprotected in the couriers car.

    Insurance claims can be processed one of two ways; via paper or electronically. The link above gives a more detailed description of claim processing, including a flowchart showing the claim process.

    Of course this is done using a medical claims billing software of which many varieties are available. Those processing medical claims from home need to have this software on their PC or access to it via internet. If you are working from home for a doctor’s office, you would require remote access to the practice server where the medical claim billing software resides. This typically done via Windows Remote Desktop or some other secure means via the internet.

    For those operating their own healthcare billing service, they would typically use their own billing claim medical software running on a local computer or server. However online medical billing software is becoming more popular that allows access using a web browser. This is nice because it doesn’t require any special software to be installed and you don’t have to worry about backing up data or secure servers, etc.

    Paper claims simply require printing the claims on the pink CMS-1500 forms and mailing to the different insurance companies. Sending claims electronically involves creating a file (or batch file) and transmitting or uploading the file to the clearinghouse or insurance company. This is typically done through their website. Once claims are submitted the clearinghouse and/or insurance carrier will generate a report indicating if the claims were accepted. If they were rejected the report should give the reason why it was rejected so the claim can be corrected and resubmitted.

    Most rejections on the front end (when initially submitted) are a result of errors or typos in dates, insurance IDs, names, coverage dates, errors in codes, etc.

    Usually the person processing medical claims is also responsible for other tasks related to billing. Medical claims processing from home can also involve following up on denied claims, correcting and re-submitting these claims, appealing denied claims, posting insurance and patient payments, answering patient questions regarding their bill, etc. Here’s more info on all the medical billing specialists responsibilities . The biller is usually expected to “own” the claim from creation to payment and everything in between necessary to get it paid.

    If you work for a doctor’s office or billing service a typical medical billing salary ranges from $10 an hour to over $15 an hour. Depends on experience and who you work for. Most people processing medical claims from home are more experienced and will be on the higher end of the range – and can be well over $15 an hour. I’ve heard of some who are really valuable to a practice making closer to $20 an hour. If you operate a medical billing home business, the pay can be higher depending on the practice being service and the negotiated fees.

    Since processing medical claims from home can be done via computer, all you really need is a computer and high speed internet connection. Most health insurance claim software runs on Windows computers or servers so a Windows PC is best here. I’m sure there are some Mac based systems but I haven’t seen any and wouldn’t really want the complexity of trying to work out Mac verses Windows issues.

    It’s also important to have an office or workspace that can be secured when not in use. This is to protect any provider and patient data from unauthorized eyes.

    Probably most important is to have the opportunity for processing medical claims from home. This is only possible if you work for a practice, hospital, or physicians billing service that allows you to work from home – or if you have your own medical billing home business.

    Typically working from home for an employer requires a level of trust that comes with a lot of experience in the field and working for this particular employer. You may see advertisements for home medical billing jobs or medical claims processing at home but they are usually thinly disguised attempts to make money for some overpriced business opportunity. So be wary of these ads – if it sounds too good to be true it probably is.

    If you have worked for a practice as medical billing specialist and have a good relationship with the doctor or office manager, this would be a good opportunity to approach them about medical claims processing at home.

    Operating a medical billing business requires training and knowledge to be successful. The financial success of a doctors practice and those they employ is dependent on a good medical billing specialist. And they aren’t going to turn this responsibility over to just anyone they don’t feel will improve their present situation. Being a successful medical billing business owner requires training in the field, the ability to produce results for your client, and convincing a doctor to entrust you with the billing.

    In summary processing medical claims from home is viable. It takes the right situation or opportunity, training, and a good knowledge of medical billing. From my experience it requires self motivation and the ability to separate home from work, but it sure beats going into an office every day.

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    Differences Between a House Title and a Deed, quit claims deed.#Quit #claims #deed


    Bright Hub

    Quit claims deed Quit claims deed Quit claims deed

    Explaining the Deed and Title to a House

    If you have been provided a quit claim deed for a house, this does not necessarily mean you are on the title or that you are part owner of the house. A quit claim deed does not mean the person granting the deed owns the property. Understand the difference between a deed and title for a house.

    When a Title is Used Versus a Deed

    Quit claims deed When you purchase a home and you sign your documents at loan closing, one of the documents that you are going to sign is a deed for your home, but what is the difference between a deed and title to a house? The deed establishes your right to claim ownership of the property. In these cases, your lending agent will hold the title of your home until such time as you are no longer indebted to them, that is until you have satisfied your mortgage. There are other instances where a deed may be used including when you transfer partial ownership to another person, when you are removing a person from the deed for the property or when you fail to pay a contractor for services they have rendered to you. In all of these cases, the title for the property remains with the primary lien holder, in most cases, your bank or lender. Once you have satisfactorily paid off your mortgage, your lender will then issue a quit claim deed and transfer the title to the property from them to you.

    How Deeds are Used

    Quit claims deed For most people, their first encounter with a title is when they buy an automobile. When you purchase an automobile, you exchange a title that transfers the ownership of the vehicle from one person to another. Real estate purchases do not work in the same way.

    The legal documentation that is required to change the ownership of a property is a property deed. Without the proper deed, the home title may be flawed resulting in claims being placed against the title insurance of the home. While the title for the property defines who ultimately owns the property, a property deed may change that ownership. Here is how deed and title for a house can be impacted by deeds:

    A) When a home is sold – When you purchase a home or when you sell a home, a quit-claim deed is issued at the time of closing. This document includes legal information including the name(s) of the owner(s), property description, and date of transfer.

    B) When a loan is paid off – For those who have paid off their mortgage in full, the lender is required to issue a quit-claim deed within a specific period of time. That quit-claim deed is then executed and provided to either the court or to an appropriate authority within the jurisdiction where the property is located. Once a property executed quit-claim deed releases a lien on a property, there is normally approximately ninety (90) days before the property title is issued.

    C) Unpaid contractors – In some instances, a lien that is commonly called a mechanic’s lien is placed on a home. In these cases, this is typically (although not always) as a result of hiring a contractor who performs work on a property and is not paid for that work. The contractor (in most states), has the right to place a lien against the property for the amount owed.

    D) Divorce or other changes – It is not uncommon for two (or more) people to purchase a home together. In the event that one wishes to be bought out, their name would be removed from deed (resulting in their name not being on the final title).

    The difference between a deed and title to a house are significant and have a legal impact on ownership. Whether you are buying a home, assuming ownership of a home or have finished paying off your mortgage, understanding the difference between a deed and a title will help you protect your legal rights. It is important to remember that while a deed tracks the legal ownership of the property, a title is the legal document that establishes full and clear rights to the property.



    What is a Quitclaim Deed, LegalZoom, quit claims deed.#Quit #claims #deed


    What would you like to talk about?

    Quit claims deed

    What is a Quitclaim Deed?

    Everyone knows that a written document is needed in order to transfer title in real property from one person to another. What everyone does not know is that the written document used to convey property can be complicated and nuanced, taking multiple forms, each with its own specific implications and particular best uses. There are three types of real estate deeds used to convey property: 1) the general warranty deed, 2) the special warranty deed, and 3) the quitclaim deed.

    General and Special Warranty Deeds

    General and special warranty deeds are used to warrant the good state of the title. These types of deeds will contain covenants that so warrant, protecting the new title-holder from lawful claims of superior title and agreeing to compensate him for any loss incurred by a successful third party challenge of superior title. Additionally, a general warranty deed will contain covenants that promise the new title-holder that he can legally purchase, possess and enjoy the property in question. A special warranty deed will address the issue of defects that arose during the seller’s ownership period.

    How Quitclaim Deeds Differ from General and Special Warranty Deeds

    In sharp contrast to these warranty deeds, a quitclaim deed contains no warranties of title at all. The quitclaim deed only operates to convey to the seller’s interest in the property to the buyer. This means that if a seller owns a building, he can give a quitclaim deed to the buyer and the seller’s entire interest has been transferred.

    Of course, the fine points addressed by general and special warranty deeds are not addressed in a quitclaim deed situation, making the quitclaim a precarious and often difficult instrument by which to convey title. Because a quitclaim only operates to convey a legal interest in the property, a quitclaim given out by a person who does not actually own the property named in the deed will not be liable for any damages at law. There are no breached covenants because no covenants were created. The deed is just a valueless piece of paper and nothing is transferred.

    A Brief History of Quitclaim Deeds

    That said, a brief glance at the past can undoubtedly remind us of the incredible value and efficiency of a quitclaim during different historical eras. At times when land claims needed to be made as quickly and efficiently as possible, the quitclaim was a great tool by which people took title. The California Gold Rush is probably the best example of a historical period in which the quitclaim was an essential factor in shaping the economy and social hierarchy of the day.

    How Quitclaim Deeds are Used Today

    Of course, the quitclaim has importance beyond elementary school history lessons. Today, the quitclaim can be used to remove apparent defects in title without the time and expense of litigation. Once the title is unquestionably established through quitclaim, a general or special warranty deed can be used to further clarify the more subtle covenant issues associated with property ownership and purchase.

    Ready to get started on a quitclaim deed? LegalZoom can help you create a quitclaim deed. Simply complete an online questionnaire and we will create the legal documents and file them with the proper county office.



    Mark W, quit claims deed.#Quit #claims #deed


    quit claims deed

    Mark W. Bidwell, Attorney at Law

    Huntington Beach , CA 92649

    Florida Timeshares

    WeВ provide service to change ownership in FloridaВ timeshares by quit claim deed and warranty deed.

    Service includes filing deed with the Clerk of the Court for the public record.

    Deed and Record is the internet service to:

    Ready to Begin Or Need More Information? Contact Us Today

    Deed and Record is the low cost provider in quitclaim deed and warranty deed preparation and recording. Save hundreds of dollars compared to other online services and attorneys.

    Why Do We Record the Deed?

    Vacation resort management companies will not recognize a change in ownership without a recorded deed. We reccord the deed with the clerk of the court. We provide you the recorded deed so you can update ownership change with the resport company.

    Receive Personal Service.

    Now you can use the internet to have your deed prepared. With the internet you avoid the attorney s office while at the same time you receive personal service from a real person.

    To begin or for more information please go to www.DeedAndRecord.com , or call Kim at 714-846-2888п»ї or email to [email protected] .

    How to fund a trust, add spouse, remove a spouse, and gift Florida Timeshares.В

    Owners of timeshares in Florida have life events that require ownership change of the timeshare. Those events are; creating a trust, adding a spouse due to marriage, removing a former spouse due to divorce, and gifting. Change of ownership is by deed.

    A deed is a piece of paper 8 ½ by 11 inches. The deed is signed by the current owner to transfer ownership to a new owner. Deeds recorded in Florida require the current owner’s signature to be both notarized and witnessed by two individuals. One of the witnesses may be a notary. The deed is recorded with the County where the timeshare is physically located. A copy of the recorded deed is provided to the resort company to update their records. 

    Timeshares are often overlooked in funding of trusts. A trust is created. But if the timeshare title is not transferred into the trust, the timeshare will have to be probated. A deed transferring ownership from the individual to the individual as trustee of the trust avoids probate. п»їп»ї

    Alternative to Trusts, Joint Tenancy

    Some timeshare owners as an alternate to trusts add a child or relative as a joint tenant owner to the timeshare. In joint tenancy the deceased owner’s interest disappears by operation of law. The surviving joint tenant becomes the sole owner. 

    In divorces and dissolution of marriage a Florida timeshare is awarded to one spouse. Until the non-owning spouse is removed as owner, he or she remains liable for property taxes and maintenance fees and has access to the timeshare. To remove a former spouse, the former spouse signs a deed conveying his or her interest to the owning spouse. This deed is often referred to as an inter-spousal deed. п»ї

    Timeshare owners get married and wish to add the new spouse as owner of the timeshare. To add the spouse a deed must be prepared, signed by the owning spouse and then recorded with the County. п»ї

    Often timeshare owners no longer want their timeshare. They cannot use the timeshare and cannot afford the ongoing maintenance fees. Timeshares can be difficult to sell. But people still want them. A solution is to gift the timeshare. The timeshare is gifted by quit claim deed. п»ї

    Little or no money is exchanged so warrant of title, warrant of amount of debt outstanding, escrow and title insurance may not be needed and costs avoided. Quit claims convey ownership “as is.”  

    More on divorce and marriage

    In divorce assets are divided and one spouse is awarded the Florida timeshare.

    Until a former spouse is removed from title as owner of a timeshare he or she is still responsible for the maintenance fees and property taxes. The former spouse will also continue to have access to the timeshare. Removal of an owner is by deed.

    A deed is a standard size paper formatted to meet the requirements of Florida Statute. The former spouse grants or conveys his or her interest to the owning spouse on the deed. The former spouse is the only signer. The signature must be both witnessed and notarized.

    The deed is provided to the Court Clerk in the County where the timeshare is physically located. The Clerk copies and records the deed to make the deed part of the public record of owners of real property in the county. The deed is returned to the original owner.

    A copy of the recorded deed is provided to the vacation resort company to update their records. Each resort company charges for this service and the cost varies from resort to resort.

    Newlyweds often want to add each other on title as owners of real property. The owning spouse signs a deed adding the new spouse as owner. The deed is recorded with the county and a copy of the recorded deed is provided to the vacation resort company.

    The Deed requirements as outlined by Florida Statute 695.26 are listed below:

    • “Prepared by statement (name and address of the “natural” person preparing the Deed)
    • Grantor(s) (Sellers-Party Giving Title) names legibly printed in the body of the Deed
    • Grantor(s) mailing address
    • Grantee(s) (Buyer-Party Receiving Title) names legibly printed in the body of the Deed
    • Grantee(s) mailing address
    • Signatures of Grantors
    • Names printed under Grantors signatures
    • 2 Witnesses, for each signature (For all Florida Deeds) the names of witnesses printed under witnesses signatures
    • Complete Notary acknowledgment
    • Names being acknowledged
    • Date acknowledgment taken
    • Signature of Notary
    • Name printed under signature
    • Commission expiration date
    • Ink Seal

    A three-inch square white space on the top right-hand corner of the first page of each document and a one-inch by three-inch square white space on the top right-hand corner of each subsequent page of the document. This space is necessary for us to apply computerized recording information.

    Vast majority of timeshares are found in Orange County, Osceola County, Brevard County, Broward County and Miami-Dade County.



    Special Warranty Deed vs General Warranty Deed: What – s the Difference, First Alliance Title, quit claims deed.#Quit #claims #deed


    Special Warranty Deed vs General Warranty Deed: What s the Difference?

    Quit claims deed

    We recently closed a transaction where the seller contracted to convey by Special Warranty Deed rather than General Warranty Deed. Upon examination of the prepared Special Warranty Deed at closing, the deed didn’t look much different to the seller than a General Warranty Deed – except of course the title of the document “Special Warranty Deed.” So, “what’s the difference? she asked.

    Colorado recognizes several types of deeds to transfer real property. I’m going to discuss the three most common types: General Warranty Deed, Special Warranty Deed, and Quit Claim Deed. Just from the names you might guess that a buyer would probably want something with the word “warranty” in the title. Warranty sounds a lot better than “Quit.” Nobody likes a quitter. But which is better for the buyer, a “special” warranty or a “general” warranty. Although receiving something “special” might sound better, in the case of a buyer of real property you probably want a “general” warranty.

    The form of general warranty is actually dictated by the Colorado legislature at C.R.S. 38-30-115. In substance, it’s a transfer by the grantor that promises three things (1) that the grantor is the owner with full power to sell, (2) that the property is transferred free and clear of encumbrances (except those identified), and (3) that the grantor will defend title against anyone claiming an interest in the property. The third promise is what differentiates a general warranty deed from a special warranty deed.

    With a general warranty deed the warranty language states “and warrants title to the same. This means that the warranty of title is going way back in time to people who might claim an interest in title before the seller bought the property. With a special warranty deed the language is changed to “and warrants title to all persons claiming under me. This under me part means that the warranty is limited to claims against title during the time the seller owned the property, and not before.

    Wouldn’t it be nice if the special warranty form simply said, “ this warranty is limited to claims related only to when I held title”? Oh, but that would be too easy. We used to say in law school that we were learning to be interpreters of a different language. The phrase “under me” in the special warranty deed is the perfect example.

    By contrast to a warranty deed, a quit claim deed warrants nothing. Instead of the magic words “sell and convey” a quit claim deed uses the words “sell and quitclaim.” A quit claim deed also contains no warranty language. The legal effect is that a quit claim deed simply transfers whatever interest the grantor has in the property. That interest may be something, but if it turns out to be nothing the grantor is not on the hook to defend title.

    Quit claims deed



    Quit Claim Deed, Form Downloads, Instructions, Recording Info, quit claims deed.#Quit #claims #deed


    Quit Claim Deed

    • Real Estate Transfers Between Family Members. Quit Claim Deeds are often used to transfer property to and from family members. Transfers between parents and children, between siblings, and between other closely related family members are easily done with this type of deed.
    • Adding Or Removing A Spouse From Title. Whether resulting from a divorce or a marriage, a real estate owner can use a quit claim deed to add a spouse to or remove a spouse from the title of the property.
    • Transferring Real Estate To An LLC Or Corporation. With holding of real estate in the protection of LLC s and Corporations becoming more common, so are quit claim deeds. Corporate transfers are usually done with this type of deed as it is generally a transfer between closely related entities.
    • Transferring Real Estate To A Trust. As with corporate transfers of real estate, transfers to a Trust are equally common. Family planning that deals with property meant to carry on through generations often involves an initial transfer from a family member into a trust.
    • Removing A Cloud On Title For Title Insurance. In the process of insuring title to real estate title companies may find a cloud in the title. Generally this means that there appears to be someone may or may not have an interest in a property that has not been accounted for and it is causing a break in the chain of title. It is common for the company insuring the title to require the person in question to quit claim their interest in the property prior to issuing the title insurance.

    While each County has specific formatting requirements for the recording of documents there are main elements that are common to all real estate deeds.

    • Title. The title of a legal document tells the world what type of document it is. In this case the title is Quit Claim Deed
    • Executed Date. This is the date that the legal document was completed, signed, and executed.
    • Grantor. This is the person or persons that is transferring their rights to the real estate to someone else. For the purpose of a quit claim deed the term person can refer to a natural person, an LLC, a Partnership, a Corporation, a Trust or Trustee, or any other entity that can legally own real estate.
    • Grantee. This is the person that is receiving the rights to the real estate that are being transferred. Again here, the term person refers to any entity that can legally own real estate.
    • Habendum. This is the meat of the deed, the legal speak which actually transfers the rights to the property. Generally it is a phrase similar to: . does hereby remise, release and quitclaim unto the said Grantee forever, all the right, title, interest and claim which the said Grantor has in and to the following described parcel of land, and improvements and appurtenances thereto.
    • Consideration. This is what the Grantee gives to the Grantor in return for the rights to the property. While in some cases a deed may be enforceable without consideration it certainly muddies the water. It s a good idea to check with a tax accountant before transferring real estate with a no consideration or gift deed as there may be tax issues.
    • Legal Description. Here is where the description of the property being transferred is listed. The format of the legal description varies from state to state. The types of legal descriptions are: metes and bounds, rectangular survey, and lot and block. The lot and block legal description is the most common however it depends on your state. A typical lot and block description looks like: QCD SUBDIVISION, 2ND AMD, LOT 112 BLOCK 3 .
    • Signatures. Most states require only the Grantor to sign the deed and for it to be delivered to the Grantee for it to be valid. Grantor s signatures usually must be notarized and in some rare cases separate witnesses must also witness the Grantor signing.
    • Prepared By. This section lets the world know who prepared the quit claim deed. Generally this is the Grantor or an attorney.


    UHC appeal claim submission address – Instruction, Medicare denial codes, reason, action and Medical billing appeal, address for medicare claims.#Address #for #medicare #claims


    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.

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    Address for medicare claims

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    Address for medicare claims

    Address for medicare claims

    Monday, August 29, 2011

    UHC appeal claim submission address – Instruction

    If you believe you were underpaid by us, the first step in resolving your concern is to submit a Claim Reconsideration as described above.

    Salt Lake City, UT 84130-0575

    Kingston, NY 12402-1600

    Salt Lake City, UT 84130-0573

    Dental Issues Appeals/Grievance Coordinator Grievance Appeals Department

    Salt Lake City, UT 84130-0569 Fax: (714) 364-6266

    Unit 4316 Rice Lake Road

    Duluth, MN 55811

    Fax: 801-938-2100 or 801-938-2109

    If you are appealing a claim that was denied because filing was not timely:

    1. Electronic claims include confirmation that UnitedHealthcare or one of its affiliates received and accepted your claim.

    If you are disputing a refund request, please send your letter of appeal to the address noted on the refund request letter. Your appeal must be received within thirty (30) calendar days of the date of the refund request letter, or as required by law or your participation agreement, in order to allow sufficient time for processing the appeal, and to avoid possible offset of the overpayment against future claim payments to you. When submitting the appeal, please attach a copy of the refund request letter and a detailed explanation of why you believe we have made the refund request in error.

    or PRA. NOTE: If you are receiving the consolidated 835, you may verify the enrollee s correspondence address using the eligibility search function on

    Instructions for submitting Claim Reconsideration Requests

    Receive immediate confirmation and a unique tracking number to show we received your request.

    Check submission status throughout the process.

    You will be notified that your request was received.

    Kingston, NY 12402-1600

    2. If you are a registered user on UnitedHealthcareOnline.com, use Electronic Claim Reconsideration for submissions without attachments.

    * The address on the Explanation of Benefits (EOB) or the Provider Remittance Advice (PRA)

    The following are the explanations of reasons for requesting a paper claim reconsideration

    Submission requirements for electronic claims:

    UnitedHealthcare Single Paper Claim Reconsideration Request Form



    Claims Information, Blog exploring claims through accidents, claims pages.#Claims #pages


    Claims Information

    The term personal injury claim has become somewhat mainstream, especially in recent times. You ve probably seen or heard the adverts on the television, the radio, the Internet and other advertising mediums, asking whether you have been injured in an accident and therefore require the services of a personal injury solicitor/ lawyer, but what exactly is a personal injury claim?

    To put it simply, personal injury claims are designed to help you to get compensation after an accident which should help you to cope better with the effects of your accident. These effects could be physical, emotional or economic.

    How does one define a personal injury?

    A personal injury may be defined as a physical or psychological injury. A personal injury can also include some diseases or illnesses which might be contracted by a person because they have been exposed to that disease or illness, commonly through negligence or incompetence.

    Personal injuries can be relatively minor but debilitating or they can be incredibly severe, and in extreme cases, fatal. Some examples of injuries which have resulted in previous personal injury claims include; injuries caused by tripping on uneven paving stones; injuries sustained in traffic accidents; injuries from faulty products; injuries in the workplace; psychological injuries associated with being the victim of crime; psychological illnesses caused by workplace harassment; illnesses caught because of incorrect medical procedures; and illnesses which are related to working with asbestos.

    Claiming compensation for personal injuries

    If you do decide that you want to make a claim for compensation, then there are several different options which are available to you here in the United Kingdom. If you have been a victim of crime, then you may seek to make a claim to the Criminal Injuries Compensation Authority which you can start here. Alternatively, the courts may automatically award you compensation through a criminal compensation order, so long as they are aware of your personal injury during the sentencing of the perpetrator.

    Claims pagesFor other types of personal injury, such as those which have been sustained in the workplace or in a public place, you can seek to take legal action in a civil court. If you do this, you may wish to hire a personal injury solicitor to help you with the legal nuances involved with making a claim.

    The option of no win no fee is also there and is designed to help those that may find it difficult to cover legal fees and so forth, and this option is looked at further down the page.

    Another option is to discuss your case with a claims assessor. Although claims assessors are not necessarily fully qualified solicitors, they should have the knowledge and experience which is needed to help you to progress your claim.

    How much compensation is awarded for personal injury claims?

    This is always a common question so the following should help you somewhat. The amount of compensation which is awarded for personal injury claims will be dependent on a number of different factors. As part of your compensation, you may be awarded general damages , which are given based on the amount of pain and suffering which you experienced due to your injury and any loss of future earnings which you experienced as a result of your injury.

    Special Damages may also be awarded for financial loss or damage caused to material goods as a result of the accident, such as damage to your motor vehicle or the clothing you were wearing at the time. The amount of compensation may be reduced by the courts if they decide that you were partially responsible for your accident.

    The No Win No Fee option

    If you are thinking about making a claim for compensation after an accident, then you may have seen companies advertising their services on a no win, no fee basis. These types of accident claims or personal injury claims were introduced to help people to get compensation without having to worry about where the money for the solicitors fees would could from if they did not win their case.

    What does the term no win, no fee mean?

    No win, no fee means that if your solicitor, law firm or claims advisor does not win your case for you, then you will not have to pay any legal fees for their services. It is important to understand however that some costs may still apply.

    When a firm offers you a no win no fee arrangement, they are effectively taking on the risk associated with your case, meaning that you don t have to. However, in return, you will be expected to pay a small additional success fee if you are successful in your claim. You should be aware as noted above that whilst this sort of agreement normally exempts you from paying your legal advisor s fees in the event that the claim is unsuccessful, you may be liable for other costs, which might include expert witness charges, court costs and other miscellaneous expenses.

    How do no win, no fee arrangements work?

    In the first instance, you will need to explain your case to a professional, so that they will have the opportunity to evaluate whether you have a valid claim. In most circumstances, a solicitor/ lawyer will only take on a case on a no win, no fee basis, if they believe that it is highly likely that they will be successful. They are unlikely to take on high-risk cases, which they are more likely to lose, as these cases will have a greater chance of leaving them out of pocket. This consultation will also give them the opportunity to calculate how much your claim is likely to be worth.

    If they decide that they are able to represent you on a no win, no fee basis, they will then discuss the details of the arrangement with you, and they should then give you a Conditional Fee Agreement (CFA) to sign, which formalises all of the details of the arrangement. It is important that you understand the agreement which you have made, so that you are aware of all of your rights and obligations. If you have any additional questions about the arrangement, your advisor or one of their assistants should be able to explain things to you.

    Success fees

    As of April 2013, solicitors and claims advisors are able to set their success fees as anything up to 25% of the damages which are recovered. Therefore, the amount that you must give to your personal injury solicitors in the event of a successful claim can vary dramatically, depending on the value of your compensation. Other legal fees may be recovered from the defendant in successful cases.

    Advertising Policy

    This website does not accept advertising in any form. This includes banner ads, guest posts, paid links or anything else I might have missed. I have no intention to change this in the future.



    How to File a Case in Small Claims Court (with Pictures), small claims court costs.#Small #claims #court #costs


    How to File a Case in Small Claims Court

    In small claims courts, individuals can file lawsuits quickly and inexpensively. You can file suits against individuals, corporations, partnerships and other entities. Each state sets the maximum amount that you can sue for in these courts. The dollar amounts range from $2,500 to $25,000. [1] Rules for filing a case in small claims court vary between states and even counties. Before filing your case, be sure to check with your county clerk or an attorney to find out the rules in your state.

    Steps Edit

    Part One of Four:

    Reviewing and Evaluating Your Case Edit

    Small claims court costs

    Small claims court costs

    Small claims court costs

    Small claims court costs

    Small claims court costs

    Small claims court costs

    Part Two of Four:

    Small claims court costs

    Small claims court costs

    Small claims court costs

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    Small Claims, small claims court costs.#Small #claims #court #costs


    Small Claims

    A small claims case is a legal action filed in county court to settle minor legal disputes among parties where the dollar amount involved is $5,000 or less, excluding costs, interest, and attorneys’ fees. Forms that have been approved for statewide use are located within the Florida Small Claims Rules. The clerk of court may also be able to provide you with copies of appropriate forms.

    A small claims action begins by filing a Statement of Claim. Small claim cases should be filed with the clerk in the appropriate county. Filing fees for small claims actions are established in the Florida Statutes and local county ordinances, and are subject to change by legislative action. The clerk of court may be able to provide information on filing fees.

    After filing, each person or business being sued must be served with a summons/notice to appear in court on a date and time scheduled when the initial claim was filed. A copy of the Statement of Claim should be attached as provided in the Florida Small Claims Rules. Additional fees are required for service of process on the parties being sued. The court may schedule an initial pretrial conference and also order the parties to mediation to resolve problems. Defendants may file counterclaims, set-offs, or third party complaints as provided in the Florida Small Claims Rules. Practice and procedure may vary from county to county. The clerk of court in the county where the action is filed should be contacted for local practices and procedures.

    The court cannot collect money damages for you. You may wish to consult with an attorney for advice on how to collect a judgment.

    Educational Videos

    These videos will soon be available as an alternative to the text descriptions above. The videos attempt to provide information on common issues that self-represented people have in small claims cases. Please note that these videos are not legal advice, and cannot be relied upon as such. If you have questions about this video or about the small claims case process that are not answered by these videos, please consult an attorney.

    The Small Claims Case Process (coming soon)

    Forms Relating to a Small Claims Action

    The forms that may be required for a small claims case may vary from county to county. For the most accurate information regarding the forms necessary in your county, please contact your county self-help or small claims office.

    Additional Resources

    The following is a list of additional resources that may be helpful in self-help cases.

    Locations

    For locations of courthouses, clerks’ offices, or legal assistance programs in each circuit/county in Florida, please refer to the State Map below. Identify the circuit in which your case will be filed and click on the blue circuit link below to see locations that may be important to you.

    The State of Florida Map of Judicial Circuits

    Small claims court costs

    Directory (With Associated Counties)



    TOP Injury Lawyers, Compare Injury Lawyers, Personal Injury Claim, accident claims uk.#Accident #claims #uk


    Compare Personal Injury Lawyers in Seconds

    Finding a good personal injury lawyer or an accident claim company for your compensation claim can be difficult especially since there are so many. Think about it! You see so many adverts on TV, but do you know who the best personal injury claim solicitor for you is, or who offers you the most compensation online?

    Don’t just fall for the trap of the adverts, as they all claim to be the right solicitor or accident management company for you. Get the BEST accident claim DEALS and SERVICES available on the personal injury market. Claim for injury, claim for accident or claim for compensation with recommended injury solicitors.

    Compare personal injury lawyers services to MAXIMISE your injury compensation claim. Compare Compensation Claims is keeping your cost of making an accident claim to minimum, so you as a client can benefit from more personal injury compensation services. You control what compensation services you are given for your personal injury compensation claim.

    This is where Compare Compensation Claims excels. We provide a comprehensive range of top personal injury lawyers injury compensation packages. Get instant results, view ratings profiles for each accident claim solicitor independently make an informed choice for your accident claim. There are solicitors who specialise in specific types of personal injury claims, for example, if you have a car accident claim, then you will want to work with solicitors who specialise in road traffic accidents who also offer you a courtesy car. Likewise if you are making a work accident claim or even a public liability claim, you should look for injury solicitors that specifically specialise in these accident types when making a personal injury compensation claim as you want the right injury solicitor, with the right expertise, for your EXACT case.

    Compare Compensation Claim’s user-friendly website makes it easy for you to find an injury compensation package that suits your needs a personal injury lawyer that meets your requirements. Claim for personal injury, claim for accident or claim for compensation by making a personal injury compensation claim the smart way.



    How to File a Case in Small Claims Court (with Pictures), small claims court costs.#Small #claims #court #costs


    How to File a Case in Small Claims Court

    In small claims courts, individuals can file lawsuits quickly and inexpensively. You can file suits against individuals, corporations, partnerships and other entities. Each state sets the maximum amount that you can sue for in these courts. The dollar amounts range from $2,500 to $25,000. [1] Rules for filing a case in small claims court vary between states and even counties. Before filing your case, be sure to check with your county clerk or an attorney to find out the rules in your state.

    Steps Edit

    Part One of Four:

    Reviewing and Evaluating Your Case Edit

    Small claims court costs

    Small claims court costs

    Small claims court costs

    Small claims court costs

    Small claims court costs

    Small claims court costs

    Part Two of Four:

    Small claims court costs

    Small claims court costs

    Small claims court costs

    Small claims court costs

    Small claims court costs

    Small claims court costs



    TOP Injury Lawyers, Compare Injury Lawyers, Personal Injury Claim, accident claims uk.#Accident #claims #uk


    Compare Personal Injury Lawyers in Seconds

    Finding a good personal injury lawyer or an accident claim company for your compensation claim can be difficult especially since there are so many. Think about it! You see so many adverts on TV, but do you know who the best personal injury claim solicitor for you is, or who offers you the most compensation online?

    Don’t just fall for the trap of the adverts, as they all claim to be the right solicitor or accident management company for you. Get the BEST accident claim DEALS and SERVICES available on the personal injury market. Claim for injury, claim for accident or claim for compensation with recommended injury solicitors.

    Compare personal injury lawyers services to MAXIMISE your injury compensation claim. Compare Compensation Claims is keeping your cost of making an accident claim to minimum, so you as a client can benefit from more personal injury compensation services. You control what compensation services you are given for your personal injury compensation claim.

    This is where Compare Compensation Claims excels. We provide a comprehensive range of top personal injury lawyers injury compensation packages. Get instant results, view ratings profiles for each accident claim solicitor independently make an informed choice for your accident claim. There are solicitors who specialise in specific types of personal injury claims, for example, if you have a car accident claim, then you will want to work with solicitors who specialise in road traffic accidents who also offer you a courtesy car. Likewise if you are making a work accident claim or even a public liability claim, you should look for injury solicitors that specifically specialise in these accident types when making a personal injury compensation claim as you want the right injury solicitor, with the right expertise, for your EXACT case.

    Compare Compensation Claim’s user-friendly website makes it easy for you to find an injury compensation package that suits your needs a personal injury lawyer that meets your requirements. Claim for personal injury, claim for accident or claim for compensation by making a personal injury compensation claim the smart way.



    Personal Injury – Road Traffic Accident Claims – No Win No Fee Solicitors – Accident Lawyers 4U, accident claims uk.#Accident #claims #uk


    accident claims uk

    Accident claims uk

    You’re in safe hands with our team who will personally handle your accident claim.

    Accident claims uk

    Accident claims uk

    We will review your claim to ensure you are awarded a competitive compensation rate if successful.

    So, why may you need to make a personal injury claim? If you’ve had an accident that wasn’t your fault, then you might want to ensure that the responsible party is held to account and pays appropriate compensation.

    Unfortunately, some people or organisations may not be inclined to immediately admit liability or offer you a suitable sum, which may leave you not knowing what to do next.

    This may be particularly upsetting if you are unable to work due to the injury and / or you are left suffering in pain.

    Getting a satisfactory resolution of your accident claim may require expertise and professional legal help – and that’s where we come in!

    Whether your personal injury claim relates to something that occurred at work, in a road traffic accident or in the home, we can help you with your accident injury claim!

    Accident claims uk

    We pride ourselves on delivering the highest standards of service. That’s because we know that you’re in need of recognition and help – not delays or excuses. We always endeavour to return your calls within 24 hours.

    Accident claims uk

    We know that legal costs can be daunting when making an accident claim. That’s why we offer a ‘no win no fee’ scheme. You have nothing to lose. If you want to make a claim or simply need advice, contact us today.

    Accident claims uk

    We deal with just about every type of personal accident – small and large! Whether your accident involves a fall at work, a car crash, an industrial mishap or a slip on a wet floor – we are here to help.

    Regulated by the Claims Management Regulator in respect of regulated claims management activities. Its registration is recorded on the website http://www.justice.gov.uk/claims-regulation. Authorisation number : CRM10108

    Accident Lawyers 4U work with an accident claims and road traffic accident firm of solicitors; who are regulated by the Solicitors Regulation Authority. Accident Lawyers 4U are based in the UK.

    * Charges may be applicable in exceptional circumstances (Find out more)

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