Posts tagged "Insurance Cover"

Should my insurance, BlueCross/BlueShield pay for a dog bite injury which happened at someone elses house?

Question by Kester: Should my insurance, BlueCross/BlueShield pay for a dog bite injury which happened at someone elses house?
My son was bitten by a dog at our friend’s house. My insurance, BC/BS, will not pay for the injury to be treated claiming that our friend’s ‘Homeowners” insurance should pay for it. However our friend’s are renters and have NO insurance, and NO money. Am I going to have to pay for this myself out of pocket? I feel like my insuance company has abaondend me and my son. If my son was to get injured at my house (which has happened before) BC/BS would and has paid for it and not claimed that my homeowners insurance should pay for it. Any ideas on how to proceed? Suing our friends who have no money will only cost me money and result in getting zero from them.

Best answer:

Answer by mbrcatz17
Well, yes, and then THEY can sue your friend for reimbursement.

Your friend should have had RENTERS insurance, to cover the bite. If your insurance pays for the bite, then they WILL sue your friend – so without insurance, your friend will have to pay for this, or have his wages garnished forever until they get reimbursed. That subrogation clause IS their right, and it’s in the health insurance policy.

It’s HIGHLY unusual for an insurance company to say they won’t pay. Have you told them he has no insurance? I’d tell them that, AND ask them to put the DECLINATION IN WRITING, so you can submit it to your state insurance commissioner for review.

That ought to light a fire under their rumps. And as soon as you have it in writing, submit it – but I don’t think you’ll have to, because I think they’ll pay when you tell them that.

What do you think? Answer below!

HTML and javascript trying to do a onload and getElementByID call?

Question by Nor: HTML and javascript trying to do a onload and getElementByID call?
for my homework assignment i need to write a javascript that changes some text in a HTML document using javascript im tryint to do it with the getElementByID and i also have to use the onload call for it as well but for some reason i cant get it to work. This is what i got so far.

"http://www.w3.org/TR/xhtml11/DTD/xhtm…

You need this type of insurance to cover you in case of
sever damage to your home
(for example fire, flood, vehicle or tree crashing into it)
as well as more everyday risks like accidentally breaking a window

You need this type of insurance to cover
things in your house
such as furniture, electrical goods, carpets and curtains, againsts risks
such as fire, theft, water damage (due to burst pipes. etc) or accidental breakage

any help is greatly appreciated.

PS. i tried linking the HTML with my javascript and that didn’t work than i just put the javascript at the end of my body so thats why my javascript is directly implemented into my HTML either way will work i would prefer to just link the javascript to the HTML document though, thx again

Best answer:

Answer by S
Your onload calls changeText(), but your script has change_text().

Give your answer to this question below!

Contents Insurance Cover http://www.enire.com/insurance/contents-insurance-cover-t45600-10.html

Contents Insurance Cover http://www.enire.com/insurance/contents-insurance-cover-t45600-10.html – by EnireDotCom (Enire.com)

Renters Insurance

Your landlord most likely has insurance to cover the home or apartment creating that you live in, but if your bicycle or television is stolen, that’s your problem. Landlord Jim Eury says his insurance coverage covers his property only. It does not cover his tenant’s belongings nor does it cover them in situation there is a lawsuit against them. Renters insurance will replace your property if it is stolen or destroyed in a fire. It also provides liability coverage in case you are sued. Just before getting, estimate the value of your belongings. Bill Bailey, Insurance Info Institute says insurance policies have limits on coverage for high-priced items such as jewelry, furs, and computers. You will need a unique floater for these items to be fully covered. The value for renters insurance coverage varies by company. For more information, check with your agent or company representative. For a lot more info about insurance, go to the III Internet internet site at www.iii.org

Can an Insurance Company charge damages for water damage when the condo board paid a deductible on their claim?

I am the tenant of a condo and had accidental water damage to the unit, and floors below. My landlord claims they do not have insurance to cover the damage, but the condo board does and has paid out a $5000 deductible for the insurance for all the units to the insurance company, which I have reimbursed. Now I have been contacted by the insurance company about being charged for the remainder of the damages.

My question is, am I not sheltered by the condo boards insurance deductible?

Your situation illustrates a prime example of why tenants should purchase renter’s insurance. The condo board insurer covered the loss to the condo, but that doesn’t mean the insurer is not going to attempt to recover its payout from the person responsible for the damage. That person is YOU. No, you are not sheltered or covered. You’ve already paid the deductible portion to the condo. Now the insurer involved wants to recover ITS payout. If the condo insurer had a zero deductible, it would be coming after you for the entire amount of the damages. This insurer is following standard practice for such situations. Learn the value of renter’s insurance.

Doesnt it make sense to have homeowners insurance instead of fire insurance only?

If you get homeowners insurance that should cover many things. Whereas fire insurance only covers that one thing.

Most banks REQUIRE homeowners insurance specifically because it covers EVERYTHING….

So yes— it makes PERFECT sense..

What type of Home Owners Insurance do we need for our San Francisco condo?

We own a 1 unit of a 2 unit condo in San Francisco. We have a separate policy that covers our personal property within the walls of our unit. We and the owners of the other unit form the Home Owners Association, and are trying to figure out if we need a separate policy to cover the exterior and the yard, or if we can each get separate policies to cover our share. Any advice?

The HOA should get the master policy for the exterior and common areas. Do this so that you’re each not personally liable if something goes wrong – the HOA will be liable. For example, if a part of the building falls down and kills someone, you don’t want that on your personal insurance – that will likeley be excess and you’ll be responsible for what the insurance doesn’t cover.

How do I dispute a partial denial of a homeowners insurance claim?

There was a hail storm in our area and may (most) homes had roof damage, including mine. 95% of the homes in my subdivision have gotten new roofs from homeowners insurance claims. However, my adjuster said my roof was not damaged "enough" to warrant a new roof, only repair/patching to the back side of the roof. I have Allstate and so do several neighbors. Their claims were paid, in full, with now questions asked. The difference between my claim and theirs is the adjuster. They all had a different one than me. I have called and written the main office locally and the corporate office in Illinois, to no avail. They tell me my only recourse is to take them to court.

Each claim is paid according to it’s merit. Each claim is different and has a different set of conditions. It is unfair to compare your damage to the damage of your neighbors because the damage is NEVER identical, and sometimes, the policy is different, and THAT is what determines what and how your claim gets paid.

Whether it’s Allstate, Farmers, State Farm, Joe Blow down the street–the 1st method of repair is just that, repair. If your roof can be fixed by repairing the damaged portion, that is what they pay for. If the only way to "repair" the roof is to pay for an entire new roof then they will pay for a new roof. Your roof would need to be so far beyond repair as a result of the harmful event that it would be cheaper to replace it with new than to repair it.

Look at it like this…..your child is playing soccer with his friends and your kid kicks the ball and it hits your neighbors car denting the bumper. You tell your neighbor you will pay to repair the bumper. Your neighbor wants you to pay for a new bumper. What do you do? Which would you pay for? Most likely you’ll pay for the repair because 1) it’s repairable and 2) it’s less expensive to repair a bumper than replace it with a brand new one.

Insurance is to cover items that are damaged as a result of a covered loss. Insurance is NOT a means of maintaining your home. By no means am I suggesting you haven’t properly maintained your home, but what I am suggesting is for you to put this in the proper perspective.

Knowing Allstate as well as I know them, I’m seriously surprised your letters to Northbrook have fallen on deaf ears. You could take them to court, but you would need to PROVE your roof was beyond repair AS A RESULT OF THE HAIL STORM and nothing else.

You can file a complaint with the Department of Insurance in your state, but they won’t get Allstate to pay for a new roof. What they will do is investigate how YOUR claim, and YOUR CLAIM ONLY, was handled and if they find your claim was mishandled then Allstate could suffer some serious fines. But it still won’t get you a new roof.

From what you write, your claim was paid. You just didn’t get what you thought you were supposed to. I strongly suggest you read your homeowners policy. Look and see if you have a "Right to Appraisal" clause. If you have one, use it.

Condo insurance question?

The tenants of a condo we own got flooded because of the unit upstairs. After talking with the insurance company and condo, the condo has agreed to refloor, and repaint the rooms affected.

I am not comfortable with the tenants sleeping in the unit if it’s being repainted. Who’s responsibility is it to put them up in a hotel? Is it the condo’s cost? Insurance? Or yikes…mine?

It’s possible the insurance would cover this IF they agree with you. Contact them and see. If they don’t agree, you would have to pay for it.

What kind of earthquake insurance to you other California condo owners have?

Our HOA has some coverage, but I’m looking for supplemental insurance to cover meals and hotels if necessary, special assessments, things like that. Any ideas?

Can’t you get an earthquake endorsement on your condo owners policy? The HO6 form? If you were outside of CA, that’s how to do it. I"m not familiar with CA, so I don’t know if you can endorse a standard policy for earthquake, or if you need stand alone coverage, but your insurance agent should know, and should be able to help you!