Auto insurance settlement offer too low?

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Auto insurance settlement offer too low? We were in an accident in September, my 4 y/o son and i went to see a chiropractor and i also seen a physical therapist a few times, (i actually still have pain from time to time in my shoulder and upper back). the total bills for us both are just under $3000. the adjuster called this morning with a slap in the face of a settlement offer to pay the bills and $250, claiming that the damage to my car was only $800 ( estimate from their mechanic, i actually paid $1200 to have the repairs done, they wont accept responsibility for the rest) and because their policy holder claimed no damages over their deductible on their already beat up car, (even though it was also damaged in this incident)that nothing else is justified. we were hit from behind while stopped at a light and the person who hit us just barely hit the brakes before hitting us so at impact was probably still going 30-35, their airbags went off but not ours. our rear and their front bumpers lined up exactly perfect that the only thing damaged was the bumper and exhaust, after all isnt that what a bumper is for? I feel the $250 over the medical bills doesnt even cover the hassle alone for going to these visits, not to mention the ongoing pain i still have. i was a stay at home mother of 4 at the time of the accident so i was not able to take anything for pain other than ibuprofen which did almost nothing. What is it i need to say or do in order to get this settled appropriately, i would like to steer clear of a lawyer unless absolutely necessary, like my Dr mentioned, why should they get 1/3 of my medical bills, and since the insurance started that low, its not likely they will go significantly higher to justify a lawyer Thank you for any input Related

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Car Insurance Question? OK, so Im taking my test soon, and I was wondering if I could do this. As a result of my gender, my insurance would be considerably high; up to 6,00 to be exact. However, if I insure my car on provisional licence, it would cost LOTS cheaper. But, if I do this now, and pay for this provisional licence cover, when I have passed my test and have a full UK licence, would I just carry on with the same cover, or inform the insurance company of a change in the licence which I have. I hope you can answer my question. Thank You" Is Auto Insurance cheaper in Florida or Georgia? Is Auto Insurance cheaper in Florida or Georgia? Liable for any outstanding premium? car insurance cancellation? Car insurance cancellation - If you cancel your insurance more than 14 days after purchasing your policy, you will, depending on when you bought your policy, be entitled to a refund of your premium subject to the scale detailed in the policy booklet. We will also charge a 45 cancellation fee plus Insurance Premium Tax at the rate applicable at that time. A refund will not be given if you have had any claims during the relevant policy period. If you are paying by instalments, you will be liable for any outstanding premium I pay for my insurance in installments of 130 a month, i want to cancel my policy 4 months in. Do i have to pay the rest of the 1,600 for the year or just the cancellation fee of 45?" Looking for individual/family health insurance in Arizona...? I am a stay-at-home mom (in Arizona) and I need to get health insurance. My boyfriend (and our toddler) have insurance through his employer but it's like $400/month for just the two of them and it doesn't cover much. To add me to his plan we would have to get married first and it would be over $200/month more than he's already paying now. So that's over $600/month for insurance that doesn't cover much. It doesn't seem like a very good deal at all. So I'm looking for a health insurance plan that would take all three of us as an unmarried family, for less than $600/month. So far I don't see any that cover maternity, and we do want to have another child within the next year or two... We don't get sick often, but our baby needs her regular checkups and vaccinations, we need our regular checkups, vision and dental, and of course catastrophic coverage in the event something really bad were to happen. I don't see much purpose in me having insurance for myself, a young woman, that doesn't cover maternity or birth control, other than for the sake of catastrophic coverage. But if need be I could get my own insurance plan for maternity/birth control/whatever if I could find an affordable one, and they can be on their own plan that doesn't cover maternity. Blue Cross Blue Shield has some cheap rates but they don't cover maternity. Neither does Aetna. Cinergy is too expensive for just me, let alone my family too. So my question(s) to you specifically are: Can you suggest any health insurance companies that cover maternity? Can you suggest any that are affordable? Can you suggest any that would insure us as a family even though we are unwed?" What is the safest cheapest car to buy and also for cheapest insurance as a first car? What is the safest cheapest car to buy and also for cheapest insurance as a first car?


Texas Car Insurance Questions? I'm living in Texas for school right now and I've been driving my car which is licensed, insured and registered for Michigan because I'm technically still a Michigan resident. At the same time I'm still paying insurance on a car of mine thats in Michigan for my mom to use. Well, the car that I've been driving here in Texas died on me so I went to a dealership and bought a new car. Now I'm unsure what to do. Do I call my insurance and have them insure it through Michigan again? (But then how would I get my Michigan Plates?) Or because I bought it in Texas, am I suppose to register it in Texas and get the state inspection and then insure it in Texas? I'm so confused. In Michigan, the cars don't need those yearly inspections.. so idk what that is. Also, I'm considering staying here in Texas once I'm done with school..so I feel like that plays a part in my dillemma too." How much would my motorcycle insurance cost? I am 18 I live in Northern Virginia. I have car insurance with Geico for a 2005 Honda Accord EX. I start college as a freshman in less then 2 weeks. I have no records (accidents, speeding, thefts, etc..) I have a part time job (18 hours a week) I understand that they're are a lot of factors in this but i would just like a rough estimate." Cheaper Insurance on Mitsub evo? Im looking into buy an Mitsubishi EVO 8 but the insurance will be way too expensive. If i finance it and put the car in my moms name and the insurance in her name could i save money(my moms like 54). My insurance company says i can use other peoples cars as long as i have a policy myself which i do. How much do some of you people pay? Where i can get car best insurance information ? give me a website of car insurance information . What is the average insurance cost for a 04 lexus rx 330? What is the average insurance cost for a 04 lexus rx 330? Can I change car insurance in the middle of a claim? I bought a different car and want to change insurance companies but was iin an accident and they are currently paying my hospital bills. It wasn't my fault, as I was rear ended. Can I still find a cheaper insurance for the new car?" Car insurance quotes? About how much would car insurance cost for 16 year old teenage driver in florida. The car would possibly be a 2005 convertible.


How does malpratice insurance in Boston compare to the insurance in Dallas? ? For an obgyn? Just trying to plan my future. How is the health insurance bill in the Senate going to lower costs? Can someone explain to me how the bill going through the Senate right now does anything to control costs for the average family or person in the US? So far this is what I see: 1) If you have a good plan they are going to tax it - Raises costs 2) The insurance companies will have to cover everyone, even preexisting conditions Raises costs 3) Cuts payouts to health providers for Medicare - Raises costs on others (they have to make it up) 4) Shifts costs to States for Medicaid - Raises state costs which raise state taxes 5) Cuts how much the Government pays for drugs Raises cost when pharma makes up costs on private plans 6) Forces businesses to provide insurance for employees - Raises costs on all products Can anyone explain how this bill can lower costs for those who have insurance and keep them from rising? I am all for health insurance reform, these reforms just look terrible to me." How much to insure a Lamborghini Diablo? If someone who was 17 years old in 1996 (and a millionaire, so money no object) bought a Lamborghini Diablo, how difficult would it have been to get insurance (in the UK), and roughly how much would it cost? It's research for a book I'm writing, so I need to try and get the facts right - I tried doing Google searches, but just got lists of insurers offering insurance quotes, but they won't quote for fictional characters and non-existent cars! Maximum points for as much detail as possible on supercar ownership in general, and insurance details particularly." Determining how much car insurance will rise after an accident? I was in a car accident recently, my fault, and I totaled my car. The truck I hit has only $175 of damages on it. So how will my insurance company determine how much my insurance will go up? Do they just go on how much damage they have to pay for on the other car? Or do they raise it because I'm not a safe driver and I'm now more liable to be in more accidents?" Auto insurance settlement offer too low? We were in an accident in September, my 4 y/o son and i went to see a chiropractor and i also seen a physical therapist a few times, (i actually still have pain from time to time in my shoulder and upper back). the total bills for us both are just under $3000. the adjuster called this morning with a slap in the face of a settlement offer to pay the bills and $250, claiming that the damage to my car was only $800 ( estimate from their mechanic, i actually paid $1200 to have the repairs done, they wont accept responsibility for the rest) and because their policy holder claimed no damages over their deductible on their already beat up car, (even though it was also damaged in this incident)that nothing else is justified. we were hit from behind while stopped at a light and the person who hit us just barely hit the brakes before hitting us so at impact was probably still going 30-35, their airbags went off but not ours. our rear and their front bumpers lined up exactly perfect that the only thing damaged was the bumper and exhaust, after all isnt that what a bumper is for? I feel the $250 over the medical bills doesnt even cover the hassle alone for going to these visits, not to mention the ongoing pain i still have. i was a stay at home mother of 4 at the time of the accident


so i was not able to take anything for pain other than ibuprofen which did almost nothing. What is it i need to say or do in order to get this settled appropriately, i would like to steer clear of a lawyer unless absolutely necessary, like my Dr mentioned, why should they get 1/3 of my medical bills, and since the insurance started that low, its not likely they will go significantly higher to justify a lawyer Thank you for any input What is the cheapest auto insurance in general/in NM? I feel like i'm paying too much for auto insurance (i have aaa) what other insurnce cold I get that will be the cheapest, I don't drive my car all that much, I just want the cheapses rather than nothing." What is long term care insurance? Please help me with this one. My parents are in badly need of assistance. I found this reliable website http://www.infolongtermcare.org/what-is-long-term-care. However, I need more help as much as possible." "Insurance- Cabin, not sure which insurance?" We live ouside of Canada, but own property with a cabin on it. My dad and aunt own it. According to the insurance if one of the owners (ppl on the insurance) are not on the property (say, 500 miles away) if something happens (like someone falls breaks there leg) to someone we take there, we are not covered and could sue us. If my dad put me on the insurance would our aunt have the right to sell the property without us having any say? He thinks that if I am put on the insurance I will be on his half and my aunt will still have her half therefore giving her more power. Is there any way around this insurance and suing thing if I want to go up there with some friends without them?" Getting Car Insurance for an American? I'm trying to get car insurance for my wife who only recently passed her UK test. She has held a US license for many years (about 6 I think) and drove during that time with insurance and made no claims. However, it seems that some UK insurance companies don't recognise an American license or insurance history which is making the quotes extremely expensive. Up to 1500 for full comp on a basic family car (2003 Vauxhall Omega). Is anyone aware of any UK companies that would recognise her US license and quote accordingly for her driving history rather than treating her like a 17yr old? Thanks in advance." How much should I expect to pay for individual health insurance? I'm leaving my job to go back to school. Continuing my present health plan through COBRA will cost nearly $400 monthly. I'm 25 and a healthy moderate social drinking non-smoker. Can I do better than $400 a month? Does it cost more to get insurance for a motorcycle? Will the price be even higher if its a new driver on a motorcycle? How much does Car Insurance for a teenager cost?


How much is car insurance for a 15 ( starting drivers ed) year old girl if you are only a part time driver, like if you dont own a car you just use your parent' car in Illinois? Like how much is added on to your parents insurance bill? and how much does it cost if you have your own car?" Switching Car Insurance? Next year when I get married my fiance and I are going to start a new car insurance policy. However - I currently have co-signed the car I own with my mom. She is the primary owner, but my name is on everything too and I make all the payments myself. How will that work with the car insurance? Does it matter that I am not the primary owner? Does it need to be insured under her name?" I totaled my 2010 Mazda 3i how much should I expected from insurance? I was just squished between two pickup trucks with the driver behind me at fault and having a suspended license. The body shop said the total damage is $13,700 and the insurance company just labelled it a total loss. My car is just over a year old with about 55,000km on it with no prier damage on it. How much should I expect to get back as I am financing the car and cant afford to keep paying if they don't pay it out. ( Canada, Ontario, Ottawa)" What insurance companies will insure you if you have had a claim denied because of fraud? Please help! I am not a thief and have never been one although my current insurance company think I am. My car was stolen from my house in March this year and NRMA have denied the claim stating that i was untruthful in my claim. (basically that I did it to do a insurance job) I have many valid reasons why I couldn't have stolen the car.... I had a one year old asleep in the house, I only just bought the car, Would have lost a lot of money if I did receive the insurance money as I over paid for th car and it was only insurance for 12k. I have no criminal record and a clean driving record. I have had 2 cars and and home and contents insurance for 7 years and never made a claim in my life. etc etc etc. They are saying the a correctly coded key was used to drive the car away and there is no possibility that someone other then me would have a key for it. Basically, its all a load of crap. I have tried appealling it with the insurance company but once again been denied. The case is now with the insurance obundsman and I will will be taking them to court if the claim is not finalised in my favour by the obundsman. The policy for my husbands car is due and NRMA are not renewing and I have tried gaining other insurance with different companies but as soon as I explain the story, no one will touch me. I know I have to be honest in case we have a claim in future and if we lie they wont approve the claim. I cannot be without insurance for my house or cars but i have been totally blacklisted from NRMA. So I am asking, are there any insurance companies that will cover us under these circumstances? Or has anyone had a similar situation that could help with some advise. In addition, the police who investigated the theft (after receiving the forensic information) told me they couldn't charge me with lying to the police because they had no proof... So how can nrma not approve that claim when they have the same proof? Thanks in advance" Does a parking ticket raise insurance?


I got a 35$ ticket. (my first ticket). will this go through to my insurance and my record? or do i just gotta pay the fine? Insurance on 2009 A4 TFSI (I'm 19)? What would be the insurance rate for a 2009 Audi A4 TFSI (4 cilinder 2.0 turbo) for me, I'm 19 years old and I live in Florida. I have a 2008 335i which is V6 twin-turbo and the insurance is high, can't afford US$6000 a semester. thank u" Renting a car without insurance? I am planning a trip in a couple months with a friend of mine. We will need to rent a car. I do not have a license, so she'll be the driver. She doesn't own a car, so she doesn't have any kind of car insurance. We'll be renting with a debit card, so there won't be any coverage from a credit card either. Will we need to buy the rental insurance from the rental car company (most likely Thrifty)? Any idea how much it would cost?" Looking for a good health insurance? I am 23 and my husband is 25, we are in great health, and are looking for health insurance. I want an affordable plan, but also one which is widely accepted. I know insurance isn't exactly affordable, but I hope you all can go along with what I am saying. Thanks" Does the Lexus IS 300 have high insurance rates? compared to a honda accord sedan. What's a good life insurance I can get for my parents? They're old life insurance just ended and are now charging $299/month for both of them...they only give $100,000 policy each. Mom is 61 years old and Dad is 65 y/o.....lives in California." Senior life services insurance company? Has anyone ever dealt with senior life services insurance company, and if so , Good Or bad results. Some insight please?" Where can i go to talk about health insurance in az? i tried to look up insurances online but im not finding what i need, or just dont understand it.. i want to know where i can walk in and ask a person face to face any questions i have.. i dont know anything about insurance" "Im looking for affordable whole life insurance for myself and my husband, we are on a fixed income.?


our ages are male 42 and female 41 Im 18 years old and need insurance.. Any ideas? I need some help.. I'm only 18 years old and living with my boyfriend. We have been together for 5 years. I have been thinking about insurance on myself lately. He has it through his parents but I don't have it at all. I cant afford to much since I only work part time and I'm also attending college as a full time student. What is currently the cheapest car insurance in California? Its time for my car insurance renewal and I noticed that the rates have gone up by 100 dollars since last year and all the previous years. I have Access Insurance and though the fees have got up, it still seems like the cheapest one so far. Does anyone have any suggestions about other companies?" Is Car Insurance quotes race-specific? Where I live the 'minority races' and immigrants I asked how much car insurance they are paying because mine seemed steep were paying very little compared to me for the equivalent car - even though theyre new drivers. I have a clean licence since 1987. Are they less likely to have accidents? I dont believe this some of them only their God is keeping them from having accident. Or is to charge them too much being racist so we have to pay more insurance for them? Insurance premiums in the U.S.? Did Insurance Companies increase their premiums in the U.S. for all customers (regardless of location) after Hurricane Katrina? If they did, is this a common practice? Don't insurance companies ever lose?" Car Insurance Question? My fiance and I want to buy a new car - and I am the primary buyer, and he is the co-buyer. Can we just add the new car to his auto insurance and list me as a driver of the car? (My current car is not on his insurance, it's on my moms because she helped me get my current car) Or must we be married to do this? I have heard that if you're not married, then I would need to get my own separate insurance policy, but I don't know how true this is. The dealership says that it doesn't matter, as long as the car has insurance. Do they check?" What's the cheapest insurance i can get? I live in NYC, i'll be 18 in feb next year and i want to know how much i would have to pay for it. I can't be under someone else's insurance. I don't even have a car yet but it probably won't be anything over 7000 and probably 1990's or early 2000's. Thanks." Auto insurance settlement offer too low?


We were in an accident in September, my 4 y/o son and i went to see a chiropractor and i also seen a physical therapist a few times, (i actually still have pain from time to time in my shoulder and upper back). the total bills for us both are just under $3000. the adjuster called this morning with a slap in the face of a settlement offer to pay the bills and $250, claiming that the damage to my car was only $800 ( estimate from their mechanic, i actually paid $1200 to have the repairs done, they wont accept responsibility for the rest) and because their policy holder claimed no damages over their deductible on their already beat up car, (even though it was also damaged in this incident)that nothing else is justified. we were hit from behind while stopped at a light and the person who hit us just barely hit the brakes before hitting us so at impact was probably still going 30-35, their airbags went off but not ours. our rear and their front bumpers lined up exactly perfect that the only thing damaged was the bumper and exhaust, after all isnt that what a bumper is for? I feel the $250 over the medical bills doesnt even cover the hassle alone for going to these visits, not to mention the ongoing pain i still have. i was a stay at home mother of 4 at the time of the accident so i was not able to take anything for pain other than ibuprofen which did almost nothing. What is it i need to say or do in order to get this settled appropriately, i would like to steer clear of a lawyer unless absolutely necessary, like my Dr mentioned, why should they get 1/3 of my medical bills, and since the insurance started that low, its not likely they will go significantly higher to justify a lawyer Thank you for any input


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