An banned alien back into my parked motor. Im insured, he is not, How do i kind him payment for it leagally.?
My car be parked and the guy who hit it happened to be illicit. A police came to the scene and chock-full out a police report. I dont think i own to pay my 500 deductable. Is nearby any way i can lawfully make him recompense for it. The way I see it is..he's not even suppose to be here. But he lives surrounded by a trailer with other relations and has a clan. What to doAnswers: If you carry collision AND unsinsured motorist coverage, lately turn it in to your shipper. Most companies will waive your deductible if you carry collision coverage. Let them touch it and go after him for the money. You'll squander months and months trying to get him to compensate and probably won't get ANYWHERE. I know because I business deal with it adjectives the time.
If you don't carry full coverage, you'll probably own an uninsured motorist deductible that you'll have to pay cheque. I know it sucks having to pay envelope out money when it wasn't your fault, but "existence ain't always fair".
One channel or the other, I'd let my insurance company concord with it, because likelihood are, you won't collect from him, and it'll make you so cracked you can't see straight. The adjusters for your insurance company get compensated to deal next to that kind of stuff, so agree to them take keeping of it.
Let me see if I understand some other responses.
Report him to INS. He flees or get caught and deported. You DO NOT pass budge. You DO NOT collect $500.
Talk to your insurance company (or agent) or talk to a legal representative. The guy who hit you either have the money or he does not. If he does, he will either money you or he won't.
Please don't you do something illegal only just to try to collect.
If you dont have UIM/UM next you need to cooperate to your agent, either method, talk to your agent! lol
UIM= UnderInsured Motorist
UM= Uninsured Motorist
If I had no medical insurance,a mamogram done, and found there something wrong, would i be denied medical ins?
Answers: you would be messed up big time
It would depend on what was wrong. A benign cyst wouldn't be a problem. Cancer would be a big problem.
Why not get insurance now, before the test? The questions on an application normally only ask about known or diagnosed illnesses or diseases. You could honestly answer in the negative if they word the question that way.
Yes it is pre-existing so you couldn't have anything covered related to the pre existing illness. But you still would be able to get medical insurance.
However, if you lied and said you didn't have anything wrong when you applied for medical insurance their is a 2 year window where if you don't have any claims for the "pre-existing" illness. Then after that the insurance companies can not say they won't cover it.
For example, you get a mamogram done, there is something "fishy" going on.
You get insurance, during application, you check the boxes that state their is nothing wrong with you. "technically you are lieing"
But nothing happens for 2 years, then you make a claim because the mamogram problem has escolated. essentially the insurance company can not come back and say you knew and you lied to us. the 2 year window has passed.
Otherwise they could always say things are pre-existing. So there has to be a cut off point.
INSURANCE? Yes, if they find something wrong, no insurer will give you insurance until after the situation is resolved - or if they do, it will exclude the thing that's already wrong.
You can't buy your lottery ticket AFTER the drawing.
If you are referring to an individually underwritten plan, of course you would be denied. Could you imagine how expensive health insurance would be if we were allowed to wait until a diagnosis to buy it?
When a Realtor near professional insurance is sued for Fraud, what happen to their insurance rates & policy?
We are mapping out what will possible happen to an underhanded realtor who defraud a bunch of senior citizens out of their property rights for no compensation. We have a strong crust and the District Attorney wants to pursue it for damages. If the realtor's insurance company comes to her defense, I'd similar to to know a few things. I'm only asking for your speculation base on TYPICALLY what happens within cases like these.How aggressively will the insurance company defend their client's arrangements? How anxious are insurers of this kind to settle out of court? We could sue for damages surrounded by the hundreds of thousands of dollars or something much smaller. Proving the higher damages at this time might prove difficult but this suit could pose a threat to the realtor's license contained by a separate real estate commission audible range for what she did & proven guilty of in criminal court so that have value the insurers should want to protect.
Will insurer drop her policy after this or charge exorbitant rate?
Answers: The insurance company will not keep in a criminal achievement.
However, they will defend within a civil action (if she have the appropriate policy with coverage that applies). They will aggressively defend. It's their duty per the policy she purchased. And insurance companies are not within the business of playing judge and jury. That's what courts and jurys are for. The insurance company is not going to say - she did a doomed to failure thing - let roll over and not defend this tough.They will hire a competent experienced defense attorney who specializes in insurance defense work and they will guard vigorously. They will maintain her best interests in mind.
Most insurance companies will try to settle a defence they know their policyholder is liable for out of court. However, if the other side is being unreasonable- they enjoy no problem going to trial.
Each company does their rating and underwriting differently. No one can bring up to date you what will happen to her policy and that's none of your business anyway.
Professional insurance, resembling most insurance, has option. What that means to you is that, if she have "first dollar defense", the insurer will defend her against litigation beside no deductible. She would only hold to pay her deductible if she loses or settles the covering. Even if she doesn't have that likelihood, they will defend her, but she will enjoy to pay the deductible surrounded by defense cost.
Typically, the insurer's legal troop will look at the case, desire if there is a strong armour against their insured, and either mount a strong defense or settle out of court. They seldom in truth make it to court. These folks are experienced professionals. They know what to do.
Remember, these are civil cases, not criminal. She would enjoy to be brought up on charges by the state to be convicted of a crime. If that happens and she is found guilty of a felony, she will lose her license.
Whether the insurance company drops her or not is a outcome that they will make base on their underwriting criteria. If she loses a full-size enough casing that is a result of willful negligence, they probably would drop her. If they save her, she would lose her claims free discount, assuming she has one, as capably as a possible rate increase due to the loss.
Well, that sounds like what Hillary Clinton did next to her Whitewater scandal!! It ended up individual completely legal - if completely dishonourable.
The insurance company will vigorously shield the client. A settlement will depend on two things: 1. how strong a case you own and 2. what kind of money you're chitchat about. A small damages skin is MUCH more likely to settle than a larger one (small implication, under $20,000).
As long as she maintaines a valid license, the policy won't be dropped. Depending on the outcome of the shield, it's more likely that her deductible will be raise to $10,000, than she'll see a huge rate increase. And if she's only paying $500 a year right presently for coverage, sure, it could double, but it's not that much of an increase.
To make a claim, it would enjoy to be filed against the Realtor's E&O coverage because nonspecific liability policies for Realtors exclude professional liability.
Wait, wait here's the kicker. Most Realtor E&O policies exclude first gala claims, meaning here is no coverage for Realtors screwing up their own deal (gotta love insurance contracts). I'm peering into my cristal ball..I see denial of coverage within your future.
Even if in attendance is first party coverage, this is not a grip of ooops I forgot to get something verified or signed, this is out and out fraud. I'd bet lunch (and I don't ever gamble) that in attendance is no coverage from any insurance company. This Realtor is twisting in the twine.
Most Realtor E&O policies are written for the Realty company, not at the Realtor level. If the Realty company files a claim and it get denied, what happens subsequent depends alot on whether the insurer wants to hold on to the company (without the offending party, I visualize the Realtor is getting fired) and the state cancelation rules. Either the insurer will want to keep the risk or they'll want bad.
I can't imagine an underwriter motto "OK, they have some fraud issues, we'll simply charge them more".
I'd bet lunch and a box of donuts the insurer wants sour of these losers.
An E&O policy will not cover damages occuring in the commission of any criminal accomplishment or in the despoliation of any law or ordinance by the name insured or by any of their
employees. They will not earnings damages and they will not pay to watch over since the cause of loss is not covered.
On the upside for you once their insurer get wind of this they will probably drop them similar to a hot potatoe.