Insurance Questions and Answers

Filing a claim on homeowners?

So here's the deal we at a shindig and a fight broke out my husband broke it up and finished up getting his leg broken and now we would resembling for the homeowner to file a claim w/ his home owners and he say that his insurance will not cover it because he was not at imperfection?? I guess I don't buy that but what is the truth.


Answers: Standard homeowners policies have TWO coverages on this - one is a "no fault" medical payments. This is for any non-household bough, who is injured on the premises, regardless of fault. It pays medical bills ONLY. The amount of coverage vary, but averages about $500.

So, if they do own a standard policy, there WOULD be that coverage.

If you want more than the medical payments, or if you want lost wages or backache and suffering, you have to sue - and the homeowner would hold to be at fault - aka, slack. Now, if the fight happen because he was serving booze and a couple of drunks get rowdy, yes, maybe here would be some host liquor liability issues there. But if two guys basically got nutty and started slugging it out, nope, there isn't any NEGLIGENCE within, I don't think you'll carry it.

So that's the truth.
If your position is that the injury was due to the homeowner's arrangements or negligence, you have to sue the homeowner. You cannot "directory a claim" with HIS insurance.

Find out someone's homeowners insurance?

I need to profile a claim against someone homeowners insurance and they won't tell me who they are insured by, what do I do?


Answers: You sue them surrounded by court.

YOU cannot file a claim on someone else's homeowners. It's not similar to car insurance. Only the HOMEOWNER can profile a claim.

What you have to do, is freshly go ahead and sue them, and their insurance company will save from harm them, and maybe you'll win, and perchance you won't.

Their policy information is a PRIVATE TRANSACTION. There's no public record, there's no opening to look it up, and there's nothing you can do next to the information anyway.
You cannot "file a claim" against another party's homeowner insurance; you own to sue the other party.

I get layed rotten...?

I live in california i am 21 and i be a receptionist ($10.50 hr full time) for this company and i got layed past its sell-by date. I worked for them for a year. I know i can apply for unemployment, but what are the pros and cons? Mainly i want to know the cons?


Answers: There are no cons. The company already remunerated all of the money you will find to EDD.
I can't think of any cons.

Apply for dismissal.

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