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Archive of posts tagged Insurance

Workers Compensation Insurance Experience Mod Worksheet

scottsimmonds asked:


The workers’ compensation experience mod impacts the premium you pay for your work comp insurance. By insurance consultant Scott Simmonds, CPCU, ARM

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Injury claim?

foreveryours; asked:


About a year ago i was involved in a car accident. It was my fault,but the damage was very minor.The person i hit with my car was fine,but now she filled an injury claim.My insurance knew the whole thing from the beginning.I was wondering,who pays the money,the insurance or me?Or do we split ?

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Personal injury?

mdjgirl7 asked:


I bumped a person with my car in a parking lot accidently. He did not fall down or anything and he said he thought he was going to be ok but he said I did hurt his knee some but he walked off just fine. We did not file a police report. He went to see his regular doctor now he is seeing a specialist. I am thinking his regular doctor did not see it and is sending him on to someone else. I think he is digging for money.
The injury he is claiming would have been very painful and he was so not hurt like that he did not even drop what he was carrying. What do I do to protect myself from a scammer? This happened in Alabama
I have contacted my insurance company the day it happened but he has not contacted them yet.
I do not mean to imply that it is not my fault nor would I ever give him money that is why I have insurance. I am just hate for somebody to take insurance money if they are not turly injured
I know my insurance will go up and for what because somebody wants to scam the system because they can that stinks I think.

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Can personal injury claim be filed later ?

Budda asked:


A minor fender bender occured, scratched bumpers on both cars, the police came to the scene insurance information was exchanged, no injuries documented. Can the other party claim personal injury/whip lash at a later date?
Thanks for the response – is there is a time limit on how soon the claim has to be submitted?

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what happens when the insurance limits aren’t enough to pay my bodily injury claim?

Nisha T asked:


I was a passenger in an auto accident in June where my arm was broken. What happens if the at fault person’s insurance and the underinsured limits from the car I was in is still not enough to pay my claim? Does it then become a personal lawsuit? I think it will come to that because my doc says this injury is one that may not heal. I’m praying it does, but if it doesn’t he’s going to have to do surgery again. That wouldn’t be until next year and I would have to go through all that pain of healing all over again.

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