What are the Odds?
Squirrels chewed through wiring in my attic. Why is my claim being denied?
Damage caused by vermin and rodents are not covered under your homeowners policy.
I have a basement window that is broken. My insurance company recently inspected and they are requiring that I fix this window. I don’t have anything in my unfinished basement, why are they making me fix it?
They want repairs done to decrease the chance of any losses.
We purchased a rental property a month ago with cash and completely forgot about insurance. What type of policy do I need?
You need a policy for property rented to others.
I was walking through the grocery store and slipped and fell on a freshly cleaned floor and broke my arm. I had no clue that the floor was wet because there was no sign. Should the grocery store be paying for my broken arm? Why or why not?
Yes they should, they did not take reasonable care to prevent this accident and put up a sign.
A week after I bought my brand new $30k vehicle I was t-boned by another driver leaving my vehicle totaled. The other company only offered me $27k for my vehicle, advising that they only pay based on actual cash value. I don’t understand.
The payment you received was based off of cost of a new vehicle minus depreciation
Last night I heard a loud crash. I went outside and there was a large hold in my roof caused by “blue ice”, sewage dropped from an aircraft. My insurance agent advised that I do have coverage for this under my homeowners policy. Is he right?
o Yes, blue ice is not specifically excluded, meaning that coverage is included.
After a long night out and I came home and put a pizza in the oven and fell asleep. I woke up to firefighters at my door and my home filled with smoke. My home is no longer livable do to smoke damage. Will my homeowners policy cover anything that I am going to need until I can go back home?
Your policy will pay for any additional expenses related to you not being able to live in your home like hotel/rent, meals, etc.
When I purchased my home I told my agent that I only wanted to insure it for the purchase price. A tornado totaled my home last month, the insurance company only wants to pay for a home half the size of what I had. Where did I go wrong?
Your agent wrote you a policy for the market value of the home. You should have been written a policy that would pay for the cost to build/repair your home at the cost of today’s labor and materials.
I am a Kansas resident. I was getting out of my car at my house and the wind caught my car door and knocked me over. I needed stiches. My health insurance provider is wanting me to turn in a claim under my auto policy. Why?
In Kansas, if your injury involves your vehicle your auto insurance is primary.
I called my health insurance provider to see if a dermatologist, Dr. Smith, is covered under my plan. I was advised that the doctor is a part of the PPO. This sounds like a gang or a disease. What were they talking about?
A plan that allows you to visit any in-network/pre-approved physician without a referral
** Daily Double**
I shot and hit a burglar that was fleeing my home with my brand new TV. The burglar is now suing me as he believes I am liable for his injuries. Liable? Da heck does that mean?
You are legally responsible for the financial cost of his injuries
**Daily Double**
I backed into my wife’s car in our driveway. There is damage to both of our vehicles. Does any coverage apply? What do we need to do?
You do have coverage, but will need to file separate claims and pay the agreed to amount of loss that you are responsible for for each vehicle before insurance will pay for any damages
I have a commercial building that was destroyed by a fire. Three months ago the tenants moved out and it has been vacant since. Do my coverages still apply?
Not all of your coverages are available because the property sits empty.
Last week I was rear ended by another driver. My neck is killing me. The adjuster from the responsible driver’s company said I should definitely go to the doctor, but I would need to file a claim on my own insurance. Why would I file a claim on my own insurance when it wasn’t my fault?
Insurance companies often require that your own policy pay out for any injuries first in order to avoid fraudulent medical claims.
My insurance agent asked for renumeration for my work comp policy. Is this a scam or what? What is it and why do they need it?
No, they need your payroll to calculate premium
I am the owner of a body shop. I borrowed a TV from a vendor for an event. The brakes failed on my one of customer’s vehicles, causing the vehicle to crash into my shop wall and the TV to fall to the ground. The vendor is demanding that I replace the TV. Does my policy cover this?
No, your policy will not pay for the TV because it is someone else’s property in your possession.
I rear ended an elderly woman 2 months ago. While in the hospital being treated for a broken wrist she picked up pneumonia and ultimately died. Her family is trying to sue me, but I all I did was tap her bumper which broke her wrist. Am I in trouble?
You could be, ultimately, the woman would not have been in the hospital and contracted pneumonia had she not been there for her broken wrist.
I bought my wife a new diamond necklace worth $50k for Christmas. She lost it last week and our claim was denied. What should I have done to be properly protected?
Anytime you purchase any valuable items contact your agent to discuss coverage and individually listing the item(s) on your policy.
One of the boards on our stairs is loose. I tripped and fell down the stairs breaking my leg. Will my homeowners policy cover my medical bills?
No, your homeowners policy only pays for injuries to others.
My health insurance was supposed to pay 80% of my recent claim, but I received an invoice from the provider for a much larger amount. I was advised that my claim would go through claims adjudication. I have no clue what this means…
This is the process of paying claims submitted or denying them after comparing the claim to your benefit or coverage.
I woke up this morning to find that my neighbor’s dead tree had landed on and crushed my shed in the middle of the night. Who is responsible for the damage to my shed, and what should I do?
Your neighbor is responsible for the damage to your shed, as they did not take reasonable care of the dead tree. You can file a claim on your neighbor’s insurance if able. If not, you can file a claim on your insurance and your company will try to recover damages from your neighbor.
I recently switched banks and forgot to update my checking information with my insurance company. I t-boned another vehicle and caused serious injuries to 3 people on January 10th. My auto policy cancelled for non-payment on January 8th. Luckily, I pay my umbrella annually so that policy was still active. What do I need to do for my umbrella to kick in coverage?
You will still be responsible for the amount of insurance that your auto policy would have paid out had it been active.
I sold my 2nd car last month and forgot to tell my agent, but I have already paid my most recent monthly invoice. How will my insurance company handle this billing situation?
They will remove this vehicle effective the date sold and only charge for the time that coverage was provided.
I was walking home one night when a drunk driver hit me. My lawyers found out that the driver was visibly drunk at a local bar that night. Who is financially responsible for my injuries?
The driver and bar are both responsible. The driver obviously for hitting you, and the bar for knowingly overserving the driver and letting him drive home.
It has been a bad year for my trucking company. We have had a few accidents that have resulted in over $1.8 million in damages. My agent advised that my general aggregate limit is $2 million, so we better be careful for the rest of the policy term. What does he mean?
Your policy will only pay out a total of $2 million for the policy term.