Capital choice insurance/financial services?
has anyone have insurance through or invested in this company at adjectives? if so, what did you think of it?Answers: By investing, you scrounging, buy their stock, right? What's the stock symbol? What's the P/E? How long has it be traded?
Property or liability insurance?
I rent an apartment. I flooded the parquet floors (my own fault). They will hold to be replaced but my insurance refuses to recompense on property insurance because the floors are not MINE. They say the floors belong to the owner. Can I claim this on the liability chunk of my insurance?Answers: Well, YOU can't get remunerated for a liability claim - only the injured participant, in this baggage, your landlord, can attain paid.
Several things own to happen for the liability to recompense - 1. There has to be harm. Clearly, there is. 2. it have to be unexpected or unintended. 3. It have to be YOUR FAULT. That means, you contributed to it. and 4. it have to be not excluded under the policy.
Under the standard renters policy, one exclusion is, sprain to premises rented to an insured. Oops, that's your apartment. If the landlord sues you, this isn't going to be covered beneath your renter's policy.
Sorry. You're going to have to repay out of pocket. Or maybe your innkeeper has coverage, depending on how the river damage happen, under his building coverage.
*Oh, for the put somebody through the mill. This is a PROPERTY claim, under your landlord's property policy, unless you bought "improvements and alterations" coverage on your policy, and installed the floor within the first place.*
This is not a legal view, but a personal opinion:
If the apartment owner be to sue you to replace the floor, then you could claim it on your liability. Alternatively, the apartment owner could a short time ago submit a claim to your liability underwriter. You would have to reward your deductable.
I agreee with Jack W, too (above).
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You will call for to read you OWN policy, but I'll tell you what the liability portion of MY renter's policy states.
Under the fragment: "What is not covered"
"Property damage to property of others colonized or used by an insured or rented to or in an insured's support, but we will cover liability for damage to the property of others cause by fire, smoke, or explosion."
This means that underneath MY policy, there would be NO COVERAGE for the events you enjoy described. But like I said, YOU inevitability to check YOUR policy to see if the language mirrors this.
If I be you, I would tell your tenant to file it lower than HIS policy to see if there's any coverage. Hopefully he has something more than a standard fire policy. If he doesn't enjoy any coverage, looks like you may enjoy to pay out of pocket. Sorry!!
Thats not true Renters Insurance covers parts of the dwelling and personal property! Contact your agent and ask them for a renters info packet!! Or you could phone us and let us minister to you? Allstate Insurance
30-694-8446
I'm financing a vehicle, will the finance loan cover car insurance costs too?
Answers: Most finance companies will provide insurance for you, but check the prices, its usually much more expensive than your own insurance.
No, insurance is your responsibility, in addition to the financing.
If you do let your insurance lapse, the finance company will get insurance on your car (not to cover you, but to cover them), and then increase your monthly payments to cover the extra cost. It's usually mongo, mongo expensive, and does NOT satisfy state liability requirements.
No you have to purchase a separate insurance policy as it covers liability for you as a driver as well as comprehensive and collision.