My Injury Claims

This year I had a car accient that wasn't my fault, but now my renewal has come through and I have zero no-claims bonus. Is The other party is paying compensation etc so does it still count as a claim? If so am I entitled to claim the difference (as my insurance has jumped from around £500 to over £1000!) I'd apreciate hearing from anyone who has any knowledge or suggestions! Thanks.

The way it works is you report to your insurers, who will then claim off the other party's insurers. If the other party's insurers accept the claim then they will be paying out, not yours, so you won't lose your NCB. There is no claim on your cover.

I'd contact your insurers to establish what is going on - it may be that the NCB is suspended temporarily while the bickering between insurance companies is going on, but they should tell you what's happening. Something similar happened to me once, it turned out that some clerk in their office had put a tick in the wrong box . . .

I was a passenger in an auto accident in June where my arm was broken. What happens if the at fault person's insurance and the underinsured limits from the car I was in is still not enough to pay my claim? Does it then become a personal lawsuit? I think it will come to that because my doc says this injury is one that may not heal. I'm praying it does, but if it doesn't he's going to have to do surgery again. That wouldn't be until next year and I would have to go through all that pain of healing all over again.

Wow, that's too bad! We like to think that Underinsured Motorist will keep you from having to go at a lawsuit yourself.

Yes, you're going to have to sue the person that was at-fault directly. Their insurance has been maxed out, so no matter how many people are going to reply to this question with "MAKE THE LAWYER GET THE INSURANCE COMPANY TO PAY!!!11", there just isn't any money there anymore. So your next step, unfortunately, is to take care of it yourself. The horrible part here is that the chances of you having to pay this out of pocket until you can collect money from them is very, very high. This is why we should always be encouraging people to carry those limits as high as they can! Things like this happen and the only person that is screwed is the person that is already a victim. It's horrible.

Best of luck to you and I hope your injuries get better!

If I decide to handle my own auto personal injury case, do I have to provide a statement to the other AT FAULT insurers insurance company? I was an injured passenger in my sister's car and the other person was found to be 100% at fault by their own insurance company. Too, can I file a claim with my sister's insurance and my own insurance? I am not with the same auto insurance carrier (it's been about 2-3 months that I switched), but can I still claim with them? Thanks!

Some of my answer may depend on your state…. Unless you have an attorney, the only way for the at fault insurance company to evaluate your injury claim is to obtain your statement and assess your injury, medical treatment and bills. If your sister was not at fault, you can file a medical claim on her no-fault insurance coverage (PIP) if she has it, but you can't file a bodily injury (liability claim) against her policy if she's not at fault. If her PIP coverage exhausts, you may file an excess claim on the PIP coverage on your auto policy which was active at the time of the accident… hope this helps

( Premises liability)There are about $ 20,000 in medical bills. Will the health insurance co file a lien against the at fault party's insurance company or will they have a right to my settlement. Also, the at fault party has $ 5000 in med pay coverage. Would my health insurance be able to file a claim against that? My health insurance co - bcbs has been VERY uncoopertive in explaining this to me. Thank you.

They will have a right to your settlement, under the "transfer of rights of recovery" section.

Yes, they can attach the medical payments amount, OR any liability payment amount, up to how much they paid out.

The washing machine I own malfunctioned and flooded part of the apartment I rent. The landlord is billing me for charges incurred for replacing the carpet padding and providing blowers to dry the carpet.

I have renter's insurance and have been told that the damages should be covered by the liability portion of it.

I asked the rental office's manager to file a liability claim with my insurance company, but she refuses to do so and wants me to pay the bill right away.

I have also been told that I can not file this claim against myself. Is this information correct? If so, what should I do?
Thanks to everyone. I am clueless in these matters.

I have already reported the incident and an adjuster came over. She denied a claim because none of my belongins were damaged. But I have been told by someone to tell my landlord to file a liability claim against my policy.

Under "Liability Coverages" my policy indicates that "if a claim is made or a suit is brought against any insured because of bodily injury or property damage caused by an occurrence to which this coverage applies, even if the claim is false, we will:
a. pay up to our limit of liability for the damages …"

And under "Peril Insured Agains" it also indicates:
"Accidental discharge or overflow of water … from within a household appliance."

Is there a way they can deny the claim ?

Since the renters insurance policy is in your name, you would file the claim yourself. If you call your insurance company someone should be able to help you with this. Then, some companies will pay your landlord directly. With others, you would pay your landlord & the insurance company will reimburse you.

Hi Folks,

About a year ago, I was mown over by an errant driver on the path. No serious bodily damage, as I leapt over the bonnet & up the windscreen at the last moment.

Oh, torn jeans etc as I arrived upside-down on the pavement, but today have received a settlement offer of a lousy £300 from the Motor Insurance Beuraux.

Should I just take it and call it a day, as all the wounds have healed, or fiddle on with a higher claim ?

Bob

If this is their first offer I would refuse it, they are obviously accepting liability. £300 sounds very low, think of what you might consider acceptable add 20-30% tell them thats what you would accept, hopefully they should come back with an offer nearer your figure. Don't be greedy - not that you come over as greedy.