Question roughly speaking Gap insurance?
I had a 2004 Pacifica that I be paying about 500/mo on. I have never been unpaid on a payment, nor have I ever missed a payment. The vehicle itself be only worth almost 15k, but I owed 27k. I had a total loss housefire nearly 6 months ago in which the Pacifica be burnt as all right. I did the necessary steps and my insurance company drafted a check to the hill on which my auto loan was on. However, I still have 12k remaining, in which my Gap be supposed to take attention of. I once again sent the company all the information they required. It have been 6 months, and they still enjoy not covered the remaining balance. I enjoy had to spawn 5 additional saloon payments (always on time) just because the loan is still outstanding until Gap comes thru. Everytime I make conversation to someone on the phone (which is a low % of the time), they tell me that they are still processing and that it will be X amount of time until it is settled. They inform me that they are not responsible for any reimbursement on the 2500 dollarsAnswers: Call your state's insurance commissioner and report this and ask them how to get the insurance company to stop dragging their foot. Usually if the insurance commissioner gets involved, the company will seize investigated.
When you purchased the GAP insurance, it was for the difference between the residual merit of the car and your outstanding go together. The time it was reported as diluted in the fire is the date the GAP insurance have to cover minus the deductible. You need to contact your state insurance regulator around your insurance company and file a complaint. Your GAP insurance company requirements to settle that in a timely posture, unless there is an investigation something like the fire by your local authority. If your home owner insurance policy stated that they will not cover vehicle inside the garage, you still can ask them what you can do. They are very au fait with this type of issue. I am assuming that your homeowner insurance company have already settle with the incapacitate.
Good luck!
First thing that comes to mind is that you speak next to an attorney. If you have the insurance, it should've kicked contained by already. How about speaking near the dealership where you bought the vehicle, perhaps they can explain the process to how to cause sure the gap insurance kick in. They're the ones who usually flog you the GAP in the first place.
Sorry to hear going on for the loss you had.. I'm indisputable that insurance companies make it outstandingly difficult for you to get 100% covered, even if you've be paying for their service.
Ins. Cos. recently enjoy been making enthusiasm more difficult for people... almost insinuating that everything that happen is your fault somehow and if it doesn't exactly fit the rules of coverage...afterwards you're not covered. For ex: Question # 15. Was your Car In the Garage facing in or did you spinal column into the garage? The answer to that question will determine everything.
Good luck
What is a Corporate Ordered Life Insurance program?
If a company company is stealthily doing COLI's on its employees is in attendance anyway to make them divulge the information? Is here some website that offers up information to the public?Answers: You must be the individual person on here that know what this is.
Weird, huh? I wonder how many organization have employer that have taken out COLI's on them and they own no clue about it.
When a nurse from an insurance co comes...?
when a nurse comes to do those tests earlier you can buy life insurance, what do they exam you for, as far as blood work?I had one done nearly two weeks ago, and they said something in my blood work showed up so I can't procure it. Now I'm totally TOTALLY having a frenzy attack, like what if I own Aids or syphalis or something?!?! I know that's probably not what it is, but I have a huge fright of contracting stuff like that...
What it probably is is that I forgot to make clear to them I have a fatty-liver, and if they did a liver function theory test, my numbers would be high. Do you deem they test for that? Thanks.
*having a huge madness attack*
Answers: Insurers will routinely require a LFT panel when testing an applicant's blood. If you enjoy a fatty liver, this would definately show up on the LFT's.
My advice to you is to "come clean" beside the insurer: tell them (through the agent) that you own a fatty liver and ask them to obtain a copy of your medical paperwork. Unless your fatty liver is in an advanced stage, you'll be offered a policy next to an extra "rating" that compensates for your higher risk category.
You should also request within writing that the insurer provide a copy of the test results to your personal physician (most won't provide the results directly to you).
You may be thinking that you'll newly apply with another company. However, the incalculable majority of life insurers report information disclosed on applications and obtain via tests and medical files to the Medical Information Bureau. So when you apply again, the new insurer will run your name/DOB through the MIB and find out you have an abnormal LFT -- and it will start asking question.
EDIT: FYI, life insurers are not required by directive to tell you "exactly" why you be declined. They are permitted to use nebulous, non-specific verbiage that doesn't really describe you anything. So for example, if the reason be an abnormal LFT, the insurer will voice you were decline "due to blood profile results." It is NOT required by law to be any more specific than that. If you call for more information, you should contact your state's insurance commissioner's office.
More than expected it had to do beside your liver function, cholesterol or enzymes
or it could be that you have mild diabetes
Anyway if they are using it as a justification to deny coverage they are bound by law to speak about you EXACTLY why you were denied
Your fatty liver probably cause abnormal liver function test (LFT's). You can ask to see a copy of your lab results from the insurer and take them to your doctor. If you haven't already discussed this within detail with your doctor, presently would be an ideal time.
I differ beside Suzanne on one point. I think you should look for other offer.
With the lab information and your doctor's advice on a plan of management (or inaction), your insurance broker (assuming they are independent or have access to independent channels) can "shop your risk" beside multiple carriers on an "informal" argument. If a company accepts you knowing just about your labs in finance, the underwriter should not be surprised to see an MIB hit. Doing this on an "informal" basis previously you apply formally would not result in unnecessary MIB hits and should report to you who would entertain your specific risk.
Good luck
gag: I thought you were buying the coverage to protect your kith and kin, not to generate a commission to your in-law. If you do not need the coverage, bestow him the money instead. But somehow, I think you hold a kid who might need the insurance if you aren't around.
it's probably something approaching high cholesterol or something approaching that. just dance get a blood theory test done at your family drs. they would own found a way to agree to you know if it was something energy threatening. just breathe deep==it will be fine!