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@sahra Any travel insurance you get is almost certainly not going to be as broad as your SS Budget policy. Most travel insurance just pays to get you home so that you can get treatment there. You're better off getting non-medical travel coverage, which will be much cheaper. You're not gaining...

@beatenbrokendissociation Do you have a loan on the car? If so, AAA will probably know and will make the check out to both of you. If you don't, the money is yours to keep.

@godonz Go look these up on AM Best. That’s the rating agency for insurers.

@hopefulchristiana You can submit your claim now if you know C’s insurer. They may or may not want the police report. But you can get it started for sure.

@jorica There you go. They don't believe you, and they're not going to believe you unless and until you show them proof to the contrary, like a third party witness or video. They believe their customer because they're obligated to believe their customer. If you have Collision coverage, you...

@jorica Does this adjuster work for your insurer or for the other driver's? If it's the other driver's they believe their customer over you since you (apparently) can't prove your version. If it's your company's adjuster, you need to ask why they don't believe you.

@tmarie123 Literally every homeowner in the US is affected by the numbers. And you're looking at something and misinterpreting it because you lack information. You don't, for instance, know why the California numbers are so low because you lack the context of that specific market...

@diaryofasuperchamp Tell me you don’t know what an Umbrella policy is without telling you don’t know what an Umbrella policy is.

@tmarie123 I see you are steadfast in your preconceived notions and are utterly closed to processing new information that disagrees with your opinion. And that you're willing to argue with professionals who have no skin in the game and are volunteering to explain things to you. That kind of...

@outsidethebox7331 Take a look at Exclusion J(4). That's your answer. I'd say that it was the right answer and that the court agreed. They should have a Warehousemans Legal Liability policy for this kind of thing.

@leadersmash That law protects you from rates going up for this accident. It does not protect you from your rates going up for unrelated reasons, like market conditions. Inflation is real and so are the increased costs to fix cars.

@anth987 One more thing - if any agent suggests that your construction exposures should have anything exclusions that are Action Over, Injury to Subcontractors or Labor Law without giving you an option without those exclusion, run the other way. NY construction is expensive for a reason, and...

@anth987 I’m a wholesale broker, not retail. And you should keep looking for real retail brokers, not internet randos. Try the big names like MMA, Aon or Gallagher. They can help you better than most main street brokers.

@junior2708 GEICO not covering the damage is much more the renter’s problem than your friend’s. He should stop wasting time trying to deal with an insurance company that is not his and start asking the renter how he’s going to pay the damages he’s contractually obligated to fix. He may need to...

@anth987 Again, you need an experienced commercial insurance agent/broker to get this done. There are multiple policy coverage forms that you need (i.e. CGL, Marine GL, Umbrella, Bumbershoot) that cannot all be lumped together. The hospitality and contracting exposures may be on the same...

@anth987 No, this doesn't sound right because you understand enough about insurance. You need a lawyer and a good commercial insurance agent, in that order. Your "huge umbrella policy" will leave all of the other entities uninsured unless there is an insurable interest that you didn't...

@rocky24 Depends on the municipality. Large cities in the Upper Midwest generally do - I know for sure that Chicago and Detroit do, and I've heard that parts of the Minneapolis area do as well.

@iamjewest85 You're welcome. Good luck!

@t_figoc Frankenstein say "Fire bad!"

@niederwaldflash Jesus. Fine. Forge some doctors' notes and see how that goes for you, numbskull. Otherwise ask the insurer if there is anything else that they'll accept. This isn't difficult, and if you want your money back, they told you what they need. That you don't want to jump...