House Fire and Reimbursement for Meals and Lodging

I had a house fire at my home in my kitchen. In my initial meeting with the insurance adjuster he indicated he would reimburse my family for meals, after deducting my normal grocery bills from the total for the week. I submitted bills to them for restaurant meals eaten out together with some grocery bills which included some sandwiches purchased for lunches and other food snack items that I usually buy during the week. The insurance company is now refusing to reimburse me for any grocery bills as they are saying it is over and above my normal and customary charges. I disagree. I believe they are double dipping if they are taking out my normal weekly bills. They also indicate that they will not reimburse me for my lodging until I give my brother's social security number, since he is the one who agreed to put my family up during the time of repairs. They say it is IRS rules and not insurance rules that they provide a 1099 to my brother at the end of the year. Is this valid? Also aren't they double dipping my grocery bills? I purchased snacks, etc. and they still took out my normal grocery bills. Please help me understand their stand on this. They refuse to entertain this any further.

Rear-ended and injured!

I was at a complete stop, waiting to take a left turn, when the car behind me rear-ended me. We exchanged info and then I filed an accident report afterwards at the police station. No one driving by stopped as a witness. My insurance company is telling me that they are waiting for the other party to confirm what happened before ''determining liability''. So basically, I have to pay for a rental and /or may have to pay a deductable for something that was in no way my fault if they can't get a hold of the other driver! Also, I sustained a sprain in my neck, and a lumbar muscle extension in my lower back. As a result, I was sent home from work after half a day (I work with children, so obviously I can't do much when I can't pick things up or bend over!). In addition to getting an opinion on the auto collision, I'd also like to know if I should hire an attorney to try to sue. My insurance company is filing a personal injury claim, but if they do that doesn't that mean that I can't sue? Please help.

auto insurance

All auto insurance companies for whatever reason have higher rates for young males than females..I've never been in an accident or had a ticket and i was wondering if i could sue my insurance company if i found a female with a similar car and driving record as mine who recieved a lower rate based on the fact that she is female..it is known that car insurance companies do this and if thats not sex discrimination i dont know what is...giving me a higher rate because i am a guy is wrong and is highly stereoypical and discriminating..can i take any action?

Insurance Claim

Can a hospital refuse to file a claim with my insurance and refuse to provide me with an itemized statement so that I can file a claim?

Credit Life Insurance

My husband carried credit life insurance on a vehicle he purchased. He recently passed away. The leinholder said they will not pay the vehicle off since the policy was ineffective after he turned 70. However, two insurance payments were made with the loan payment before he passed away. I feel they should pay the vehicle off as I was not informed as to this situation and they accepted two premiums after he turned 70. Their position is that the policy states that at 70 the policy would not longer be in force. Therefore I will have to take over the payment on the vehicle. I am on a very limited income now and will not be able to keep the vehicle if the insurance will not pay. What course of action should I take?

Where can I file suit?

I am a NJ resident; my car was hit

by a driver running a red light. She

is also a NJ resident and the

accident occurred in NJ. She is

covered by an insurance co. located

in PA. After first making a

reasonable offer for my totalled car,

they then said that offer was a

mistake and made a 2nd offer of

less than 20% of the NADA book

value of my car. I think I will have

to sue them; can I file suit in a NJ

court?

car accident

I was involved in a accident. My Insurance Company tried to pay to the other party involved 20.000.00 dls. for the damage, (I was driving a mitsubishi eclipse sport car, he was in a 18 wheels fully loaded semi truck, he rescued me out of the car cause I was unconscious, but 3 yrs later the case is istill open cause he has not ''recover'' from the accident)Now the case is in court cause he wants $120.000.00, my question is: If he wins the case, my ins. co pay the settlement or Am I obligate to fullfil it? I dont have property or money, in other words I HAVE NOTHING, but I am worried as how am i going to pay this guy if i dont have money, would you explain to me what my responsabilities are if I lose the case in court? am going to jail if i dont pay him? please explain me all I am so worry, and to top it off Iam unemploy at this very moment, thanks so much in advance.

Transport insurance

I send some merchandise from the transport company, they told me i am fully insured but now they are telling me i am only $ 1.25 per pound insured.

Please help me out merchandise are worth lot more what should i do.

Insurance/Drivers License Question - TX

Is it valid for a person to obtain auto insurance without a drivers license? My vehicle was recently hit (while parked) and his insurance company (which happened to be the same as mine) will not fix my vehicle, has cancelled my policy and I have found out that this person has no valid DL but somehow that is legal for him to still have insurance (according to them)???

Long Term Disability Insurance

I have been receiving D. I. payments since 1985. Last year the carrier denied my COL benefits at age 65. I have a 1981 letter from a VP of the carrier that states that all policy holder's COL benefits were extended for life and at 7%.The policy was written/issued in FLA. I no longer in FLA. I appealed their verbal decline and they want to negotiate a present day value of the COL benefits. Their offer was very low based on my estimated life expectency, tax free benefits. The policy does not state anything about litigation or restrictions. Do I need to consult with an attorney in FLA or in the state I presently reside?

Insurance Beneficiaries

My wife, now deseased, was identified in her mother's will to receive 1/3 of two homes (Va & KY).

My wife's sibling paid the insurance and taxes, as he was the executor. The house in Va was considered condemned after the latest tornado and the insurance company paid $30,000 to him.

As the spouse of my wife, how is the $30,000 is to be distributed? Do I have any legal rights to receive a portion of the monies?

uninsured motorist claim

I have a claim against my insurance for uninsured motorist where my son was injured last summer...is it possible to get the maximum amount that my policy allow for...if yes how...

Car Accidents

I was in a car accident that was not serious. Both parties agreed to not go the insurance company and to pay out of pocket. Is it legal to sign a letter stating that payment is in full and that neither parties can seek further restitution? Thanks

minor fender bender with borrowed vehicle

I am a 15 year veteran auto technician. It is a hobby of mine to help those in need of vehicle repairs for a reduced fee or in certain cases free of charge. Such was the case with the repair of a senior gentleman neighbor of mine. After solving a driveability issue and intermittent electrical power fault I took the '93 Chevrolet C2500 extended cab pick up on a test run. At an obtuse angled intersection of a side street to a major thouroughfair, I have difficulty navigating the sharp turn. I backed up from the stop sign to gain a sharper angle onto the avenue and while rolling back maybe five feet or less I bumped the 2003 Saab 900s behind the truck I was driving. The contact was bumper to bumper; the result being a damaged license plate obscution and a nominal scuff line on the Saab's bumper cover not exeeding 4 inches in length. I presented my insurance to the driver of the Saab. He filed a claim against my policy. My insurance carrier contacted me to inform that they would cover the claim. A week later my carrier has contacted me to inform they are denyimg the claim and base the denial on state (Texas) law prohibiting them from accepting responsibility. I am not able to discover any information about this law via internet.

puff back claim

will insurance co. pay homeowner directly for damage or do you have to clean things first then get paid for invoices

Who's insurance covers child born to minors?

When two people under 18, who are not married or emancipated, have a baby, who's health insurance covers the cost of the birth and health care of the baby? Will the insurance company that covers the mother sue the insurance company that covers the father once paternity is established?

Motorcycle Accident

My husband was hit in an intersection riding his motorcycle. The other driver was cited and we are trying to get it settled with his insurance. They are telling us they are totaling the bike. It's only 2 years old, like new and we owe more on it then they want to give us. What can we do to recover our loss? Can we sue the driver for the balance? How do we get compensated for the full amount?

injury on your property

My mom has a couple of rental homes that do not carry HOI. A tree trimmer fell from a ladder and severly injured his arm. can he sue for damages? Please explain what can happen.

Release

I stupidly signed a release forsettlement with a disability Insurance company. I faxed the signed copy but have not forwarded the original. Can I rescind my acceptance? medicine & depression & anxiety plus they were late with my monthly check.

insurance beneficiaries

If a beneficiary on an insurance policy dies prior to the insured, does the policy then go to the next of kin, or does it go to the insured's estate?