Insurance Companies

safety manager of a trucking company- 40 trucks, 45 drivers
bacholer of business degree
midwest company, 8 employees
M-F 8 to 5 schedule

responsibilites
implementing and maintaining safety programs, policies, and procedures

maintaining and updating documentation to keep organization legal (permits, licensing, employee files, drug testing, etc.)

variety of hiring duties (background, references, motor vehicle records, pre employment drug testing, insurance)

handling driver problems( inspections, accidents, citations, etc.)

$45,OOO/year

Jan 16 2006 I was in an auto accident where I was in the empty carpool lane going 60 (speed limit 65!) because the regular lanes where almost bumper to bumper, but the carpool was free and clear! Well someone older couple from the midwest cut me off over the double line of the carpool lane and caused a massive 3 or 4 car collision.
This party admit fault and their insurance paid for everything for me. Well now a "passenger’ which I hardly recall sent me a summon and someother driver…both of us not at fault…attempting to get rich off of us! i’m no longer with that insurance company as this was almost 2 years ago.
What do I do? The police report clearly states it being the other partys fault…so why did a lawyer take the case??
What can I do?
yes i had a right to be the carpool lane! i was with my then boyfriend who i’ve already contacted to see if he remember any other passengers. I say "passenger" since I only recall two passengers, the at fault couple and my boyfriend. I was hysterical at the time of the accident since it was a total loss of my car so my memory of who was there is unclear. The accident occured on one of the busiest CA freeways known for single commuters any ways.

but I can’t really afford a lawyer, is that my only option? I had a lawyer on my behave sue their insurance company to get some medical costs covered… I plan on going tomorrow to get a copy of my case and the police report filed.

What would be my reason of counter-sue? Unlawful suit? I have no clue, I’m still an undergrad student!

This lady is attempting to get UNLIMITED over 25,000! That is my only cause for alarm! She’s crazy!
Darn, the statute of limitations in CA is 2 years so they did this timing perfectly since in Jan it’s up!

Don’t panic. Get all the documentation from the accident you have and be ready to appear. If you can, consult a lawyer of your own.

Be sure you have all of your insurance documents and a copy of the police report. Don’t accept responsibility for anything. Don’t sign anything until it’s reviewed by an attorney. Don’t give them anything without a formal, written request – keep all of your paperwork. If they want it, have them send a formal request & tell them you will send copies.

A lot of times people will sue to get rich. Sometimes they will sue everyone in the hopes that someone will pay up. This person may have already tried something with the insurance company and the drive at fault and got turned down – now, they could be trying to pick off everyone else on the list.

Stay calm, document everything, ask for copies of transcripts and filings. If at all possible, find an attorney. You may actually need to counter-sue to stop this.

Even if they walk away with nothing, check with the court clerk to be sure they’ve withdrawn the suit.

Be advised, I am not a lawyer – this is just what I would do. Good Luck!

Yeah, yeah….I know. The city is basically still destroyed and they have not made any significant advancements in rebuilding it.

But many hurricanes, tornadoes, floods and other natural disasters have hit our homeland and within the year we heard nothing more about it.

Did the people affected by Hurricane Andrew years ago receive debit cards from FEMA? What about the flood victims in the midwest? Why isn’t their wall-to-wall coverage of their plight like it was for Hurricane Katrina?

And two more questions: People wonder why New Orleans is taking so long to be rebuilt?

a. This city is BELOW sea level. It fills up like a bowl when it is flooded. What insurance company wants to insure that?

b. The crime in that city is ridiculous. Who wants to move back to a place murder is high and the police force is crippled?
weapon sidewalk– you should talk….you are one of the dumbest people on here.

Heres a little play by play as Spartacus’s home two nights ago . . .. .

Spartacus’s wife: Honey, do you care about Hurricane Katrina anymore.

Spartacus: Nope,

Yeah, yeah….I know. The city is basically still destroyed and they have not made any significant advancements in rebuilding it.

But many hurricanes, tornadoes, floods and other natural disasters have hit our homeland and within the year we heard nothing more about it.

Did the people affected by Hurricane Andrew years ago receive debit cards from FEMA? What about the flood victims in the midwest? Why isn’t their wall-to-wall coverage of their plight like it was for Hurricane Katrina?

And two more questions: People wonder why New Orleans is taking so long to be rebuilt?

a. This city is BELOW sea level. It fills up like a bowl when it is flooded. What insurance company wants to insure that?

b. The crime in that city is ridiculous. Who wants to move back to a place murder is high and the police force is crippled?
weapon sidewalk– you should talk….you are one of the dumbest people on here.

Heres a little play by play as Spartacus’s home two nights ago . . .. .

Spartacus’s wife: Honey, do you care about Hurricane Katrina anymore.

Spartacus: Nope,

I may need a $10 million of proffesional liabilty insurance. I’m a salesman and I got a dui/dwi. The company I work for is afraid since the automobile and buisness liability insurance is tied together that if they won’t insure me for driving the company vehicals, they won’t insure me for the $10 million of proffesional liabilty insurance needed to get into steel mills.

I sell air-conditioning to steel mills in the midwest, usa. I do not work on or repair the air-conditiong. I measure the space and design systems, but I need to get into the mills to do my job.

I may not need that much to do my job. The people I work for are torn between letting the insurance company find out on there own, the policy needs renewed befor 4-1-08. Or calling them and seeing what the options are ?

So if anyone has any input let me know. Thanks

Personal and professional are two different policies, you know.

Driving cars is auto liability, different from both personal AND professional liability. General liability is different, too.

Yep, measuring the space and designing systems is a professional liability exposure. Going into steel mills, it’s going to cost A LOT.

The people you work for are probably just going to let you go. That’s the cheap way out for them. It’s easier to get a new salesperson than it is to fight the insurance companies, and double their premiums for the whole fleet.

And no mill is going to let you on premises, unless you have professional, general, nonowned and owned auto liability coverages.

Trust me, they’ll run the mvr’s 70 days before the renewal, and either double the premiums for the whole fleet, or more likely, require an operator exclusion form FOR YOU. And also trust me, you’re not going to be able to afford to buy these coverages yourself. You’re not talking about a $250 policy here, you’re talking about five or six figures, for professional liability in a steel mill.

I own a Non-slip company called Slip Solutions Inc. and im trying to find business that might have workmans comp. claims or personal injury cases

Well, just about ANY of them!! No one is going to open their claims files to you, and no one is going to give/sell you information or lists about people with prior slip & claims falls. That would violate the privacy laws.

You’re going to have to hire a saleman to get out there and knock on the doors.

I live in the Midwest, where everything is flooding. My husband just called and said that his car was flooded, and is now not running. Does car insurance typically cover this? I know I’ll need to check with our insurance company in the morning, but I’m just curious if that is considered an act of God, therefore covered under a comp. claim. We have full coverage.

Assuming comprehensive coverage, and the damage is proven caused by flooding, yes, insurance will cover. However, if the car was submerged, it may not be possible to repair it, water gets into the wiring and damage can keep getting worse for many months, and be impossible to stop. If the seats in the car were submerged, they likely cannot be salvaged.

You don’t need flood insurance on a car. Comprehensive is "all-risk" coverage, excluding collision and upset, meaning, if any other peril isn’t written into the exclusions, it is covered. In other words, comprehensive auto insurance is exactly what it sounds like — coverage no matter what happens. The comprehensive policy covers literally the full panoply of potential hazards, from acts of God like floods and blizzards through vandalism and more, and there need not be an identified perpetrator for you to collect on that claim.

I live in the Midwest, where everything is flooding. My husband just called and said that his car was flooded, and is now not running. Does car insurance typically cover this? I know I’ll need to check with our insurance company in the morning, but I’m just curious if that is considered an act of God, therefore covered under a comp. claim. We have full coverage.

Assuming comprehensive coverage, and the damage is proven caused by flooding, yes, insurance will cover. However, if the car was submerged, it may not be possible to repair it, water gets into the wiring and damage can keep getting worse for many months, and be impossible to stop. If the seats in the car were submerged, they likely cannot be salvaged.

You don’t need flood insurance on a car. Comprehensive is "all-risk" coverage, excluding collision and upset, meaning, if any other peril isn’t written into the exclusions, it is covered. In other words, comprehensive auto insurance is exactly what it sounds like — coverage no matter what happens. The comprehensive policy covers literally the full panoply of potential hazards, from acts of God like floods and blizzards through vandalism and more, and there need not be an identified perpetrator for you to collect on that claim.

bc we are the most accident fullfilled

I’ve heard that the midwest might experience or is experiencing some icy conditions…how are the car accidents handled? Thanks for your input…and everyone PLEASE DRIVE SAFELY!!!!!!!!

Most insurance companies view weather related accidents as follows. I was once told by an insurance adjusted that if weather conditions are unsafe & you have an accident your rates will definitely go up at a ratio equal to the amount of loss. The reason for this is Insurance companies feel that if the weather conditions are that unsafe you have no business driving in the first place. If you have an accident & it is related to bad weather expect to pay for it in premiums