How can I find out if my father had a last will and testament/life insurance when he passed?
Answers: For the will: you have to go through his personal papers, or maybe his safety deposit box, or ask his lawyer. Wills don't get filed until AFTER death, so you have to find it first, to file it.
Life insurance: you go through his personal papers, or his banking records, so you can see his cancelled checks - which will tell you what company he was paying. Life insurance is usually paid every month, or every year, to keep it active. There's no central database where you can look it up.
Most Americans die without a will, or without life insurance in place. So YOU need to tell a relative where your will is, and give your beneficiary the contact information for YOUR life insurance policy, so if you get hit by a bus tomorrow, one of your relatives isn't asking the same question.
You will have to look in his personal papers. Contact his lawyer if he had one.
Can I still find umbrella homeowners coverage after losing it due to a full-size claim?
Umbrella coverage (liability) is necessary as we hold a small home-based businessAnswers: OK, just for the text, in crust your agent didn't tell you this . . . a PERSONAL umbrella policy does NOT cover a business. Period. You entail a commercial umbrella to cover a business.
You CAN find another personal umbrella, after a large claim, HOWEVER, 1. you're going to enjoy to show the underwriter you've taken steps to lower the possibility of another claim like that and 2. you're going to PAY THROUGH THE NOSE for that umbrella. Depending on what get paid out, it wouldn't surprise me if you be paying $10,000 a year.
But again, it will NOT cover business. So maybe you have need of to sit down with your agent and be sure your business is properly covered.
Probably -- but you involve to have underlying homeowner's coverage at hand, too. Start asking around for insurance agents people know and trust and start getting bids.
My guess is that your rates will step up, though.
Try RLI or USLI if available in your State. They write umbrella policies for general public who don't "fit" the standard policy. USLI will write with losses, DWIs & will also write high-flying people.
Do i recieve the check within my dub?
my car be sideswiped. does the other drivers insurance co. write the check for estimated damages in my entitle? i own the car.Answers: Yes, if the other driver be insured and covered.
They will make the check out to you. If you are pursuing a claim below your own collision coverage, your insurer will put the lienholder's name on the check. Sometimes you can arrange a "direction to pay" and enjoy the insurer pay the repair shop directly.