Dealing with Insurance Company

[GPIDEAL]

Insurance companies don't pay you the tax to you so they shouldn't need it, sounds like a excuse I question them on. The squeaky wheel always gets the grease !

I think you're right. I know they don't insure on HST values (and prior, didn't insure on GST values, but RST okay).

In any event, why would the motherfucking insurance company deny an entire claim for the GST/HST portion?

 

[GPIDEAL]

In general, insurance companies will pay out if you have proof of purchase and condition of goods lost. There are variables in every situation. I knew a guy that was a born again Christian and in his personal life he was a fire and brimstone judgmental bastard that use to yell sin at everyone that was not a BAC. In his working life as a insurance adjuster he would judge people on their looks and would pay them if he liked them and gave people a hard time if he did not. Being a BAC and an insurance adjuster gave him the power to sit in judgement of people.

I think Stephen Harper has a few of those in his caucus.

 

[richaceg]

Call their bluff, get all your paperwork done and neat. (it shows them how serious you are about claims). If you show up with incomplete paperwork and un-organized...it shows them you want a quick buck and don't care how much - this signals them to throw every bullshit excuse to beat down the claim to cents...If you have a broker, even better to deal with.

 

[GPIDEAL]

Thanks everyone. I phoned the company's main number tonight (from private number) and asked about becoming a client. I said I've made an inventory of all my goods and scanned the receipts. I said that on one of them the GST number is faded away but all other details were clear. He said that was fine. I think I might call back tomorrow and record the call, showing that even an agent of the company acknowledges it's ok. If they still refuse to honor the receipt in spite of their agent saying it's ok, then I think they are acting in bad faith, which opens them up to further damages.

In most cases, the insurance company and agent are two separate officials. I'm going through an insurance claim, and agents are the servants of their masters, the insurance companies. Ultimately, they will yield to the hand that feeds them (not you). Perhaps, some are better at being independent and somewhat of an advocate, but you must fight hard.

 

[benstt]

In most cases, the insurance company and agent are two separate officials. I'm going through an insurance claim, and agents are the servants of their mast masters, the insurance companies. Ultimately, they will yield to the hand that feeds them (not you). Perhaps, some are better at being independent and somewhat of an advocate, but you must fight hard.

Yeah, think of agents as the outside sales force, the underwriters as the internal control on them, and adjusters as the team that actually handles a claim. They all need to sing the same song, but on a detailed claim eligibility question, the adjusters are key.

Agents are generally tied to a single insurance company, while brokers will sell from many companies. In theory an agent should know their company policies through and through, while a broker might have trouble learning all that for a bunch of companies.

 

[GPIDEAL]

Yeah, think of agents as the outside sales force, the underwriters as the internal control on them, and adjusters as the team that actually handles a claim. They all need to sing the same song, but on a detailed claim eligibility question, the adjusters are key.

Agents are generally tied to a single insurance company, while brokers will sell from many companies. In theory an agent should know their company policies through and through, while a broker might have trouble learning all that for a bunch of companies.

Some agencies, it seems, deal with more than one company if they have a large enough client base.

 

[Yoga Face]

is this not covered under house insurance?

my laptop was stolen from my car and i had zero problem getting another free one from my house insurance

 

[LAS0023]

is this not covered under house insurance?

my laptop was stolen from my car and i had zero problem getting another free one from my house insurance

Yes, it's my home insurance.

 

[Insidious Von]

I've had a bellyful of dealing with insurance companies and my lawsuit hasn't even been filed yet.

I got my brain dinged from a rear end collision, and I know that they are colluding to beat me down. My advice to you is to keep all your documentatipn on file and record every conversation you have with adjusters and agents.

Fortunately I have a Russian/Jewish lawyer with a very sharp team behind him. And he's just as stubborn as this guy: