Myth #1. The insurance company is there to protect me. Wrong! Liability insurance is purchased by the policy-holder in order to protect the policy-holder against the injured person’s claim. Since you are claiming that the other driver is liable for the accident, then the other driver’s insurance company is there to protect the other driver against your claim. That why it is called “liability” insurance. It is purchased to insure and defend the other driver for their liability; not to protect the injured person.
Myth #3. They have to provide a rental car. You are not entitled to rental car. However, they may decide to provide you with a rental if their insured’s liability is fairly clear. They do this because they want to keep you happy. Otherwise, you might hire an car accident attorney which is something the insurance company always wants to avoid.
This is where hiring a public Houston flood attorney can really make a difference. He can get the most bang for your buck when it comes to negotiating with the insurance company. He will provide a detailed line item cost inclusive estimate using the very same software that most of the insurance companies use. The difference that he makes is in the details.
Is your pet a prize purebred, with a pedigree reaching back before William of Orange? Expect more vet costs over its lifetime – it’s just a statistical fact. Perhaps this subtle factor will help you decide whether you should self-insure or go for a plan.
Almost all homeowner insurance claims are physically inspected. This means that a claims public adjuster from your insurance company will be on your property. Adjusters inspect several claims every week and usually every day. Remember, your insurance claim is handled by human beings, the most important of which is your on-site claims adjuster.
In Chapter 7 of my book I wrote at length about the qualifications of an adjuster. I also wrote about what level of service you should expect from the insurance adjuster who handles your claim.
Do not, under any circumstances, lose your temper! Words said in anger are impossible to retract. You can apologize as much as you want, but better to say things for which you will not have to apologize. Be in control. If you feel like blowing up at your adjuster, end the meeting or phone conversation and come back another time to finish your business.