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“Ask Jeff" is a weekly post made on the RyanAgency.com Blog.
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Whose Insurance Company Do I Call?
January 14, 2018
In a Accident That Is Not Your Fault - Who You Gonna Call?
The short answer to the question is to simply meet your responsibility to call YOUR insurance company . In the vast majority of cases, that should take care of the rest. Your insurance company will negotiate with the other carrier, determine fault, and determine who pays whom for what. You can help the claims process by providing your carrier with the information about the other party and their insurance company. Confirm with your company claims representative that they will reach out on your behalf to the other carrier and pursue your interest. Bottom line… it is the responsibility of your insurance company to represent you. If for some reason, they don’t take that responsibility seriously, feel welcome to call the other insurance company and inquire if the claim has been filed and provide them your side of the story. Additionally, if you have purchased your insurance from an independent insurance agency, contacting their customer service staff may be helpful. Likely, they well enjoy assisting you with the claims process.
This article may have been originally published at Quora.com.
To see Jeff's Quora.com profile click here.
“Am I covered if I drive someone else’s car?” Or, “Am I covered if someone else drives mine?”
Many don’t realize that the insurance industry is one of the country's most regulated business segments, especially in New York State. The New York State Department of Financial Services (NYS DFS) wields significant control over the insurance business and has a stated goal of protecting consumers.
Most property insurance companies offer Actual Cash Value or Replacement Cost settlement options. Typically, insurance companies will require that you insure the property to the settlement value you choose. If you select Actual Cash Value, the amount you may be required to insure the property for will be less than the corresponding Replacement Value.
In that spirit, the Ryan Agency is sponsoring a Stearns BBQ Dinner pickup at our office on 57 Broadway Mall in Hornell on September 12th from 3:00 PM to 4:30 PM.
Today, an individual’s credit history can play a more significant role than any one of those traditional factors. Good Credit Scores lead to a Positive Insurance score. A good Insurance Score greatly influences what someone will pay to insure their vehicles.
Insurance companies offer various discounts for which their policyholders may qualify.
Great Eight number Six (6) suggests taking a look at removing Comprehensive and Collision on Older Vehicles.
By reducing the number of claims in your insurance history, you can significantly affect your rates in the future.
Sometimes, this concept meets with resistance from policyholders. The thought of paying more in the event of a claim is off-putting to some. Even if that means I pay more for my insurance.
OK. Admittedly, this strategy doesn't benefit everyone, but it can be very beneficial for those it does. You may have unique home or auto insurance needs that prevent you from bundling with the same company. Alternatively… you might have a better rate without the bundle discount by splitting up your insurance between multiple carriers.
